Chapter 9 Nothing is as good as real estate

"I think I'll have to pay thirty gold Galleons anyway."

Faced with Clark's questioning, Theodore offered a price with a weak heart.

"How much? Thirty gold galleons?! Clark glared at him, "That's the cost." ”

"Sixty gold plus a bulge!"

The three people in the room suddenly breathed a little faster, Darren?? Bock was even more straightforward, "The price is so expensive, will anyone buy it?" ”

Indeed, sixty gold galleons per square meter, that house must have six or seven thousand gold galleons. If a community builds twenty or thirty houses, that is a huge sum of more than 200,000 gold galleons.

With the size of the British wizarding world, there are simply not so many rich wizards who can support this kind of consumption.

Besides, wizards have magic, and it is very convenient to live in a normal life, whether it is to build their own house or sneak into a Muggle house where no one is around.

Some wizards still have their own old houses, just like Ron's family's Burrow, which was built by Ron's grandfather's generation, and then added with the increase of children, and has lived until now. Magic has a magical effect, and such a house can still be inhabited, but if it were replaced by a Muggle, it would have collapsed a long time ago.

As for Clark, their family's old castle has been passed down for centuries. In this case, it is indeed whimsical to want to sell the house price for sixty gold Galleons per square meter.

However, in the face of their doubts, Clark only smiled.

"Since the signing of the International Secrecy Act in 1689, wizards have been completely hidden.

In Tinworth, Cornwall, Upper Flegley in Yorkshire, St Cachpole on the south coast of England, and Godric's Valley, there were semi-wizarding colonies where wizards and Muggles cohabited.

In addition, it is located in the Scottish Highlands, the only pure wizarding village in the United Kingdom, Hogsmeade Village.

And this pattern has been going on for almost three centuries.

Times are changing, society is progressing, Muggles are living in tall buildings, luxurious apartments, electric lights, televisions, running water and gas, while wizards who think they are high Muggles are still living in the Middle Ages, is it reasonable?

This doesn't make sense!

Wizards also need a better life, higher enjoyment, I don't believe that there are better wizarding communities, newer houses and more interesting shopping streets, they will not yearn for, do not envy, do not desire to have. ”

A new type of wizarding colony built on Hogwarts is promising. ”

"As for housing prices that are too expensive, ordinary middle-class wizard families can't afford to live there?" Clark looked at the three board representatives, standing in the center and talking, looking confident and without stage fright.

First of all, what is going to be built here is a high-end community, and there are only fifty or sixty wizarding families when it is full, and there are many rich wizarding families in Britain, even the Puwitt family, who may buy a few houses and stock them up at that time.

Secondly, I didn't let those wizards spend so much money to buy a house at once. More than 7,000 gold gallons is a huge amount of money for any family. But we can start a mortgage and buy a house in installments. ”

"Buying a house in installments? How to divide it? "This time it's Elijah who has always maintained the image of a gentleman?? Yaxley spoke, and it seemed that after Clarke's passionate description, even he couldn't help but be moved.

"That's right," Clark paused slightly, because the topic reminded him of his previous life, the era when people were crazy about buying houses.

"The so-called loan to buy a house, installment payment, is a means of financial purchase invented by Muggles. As the name suggests, it is to enjoy the property that originally required a large amount of money to buy in advance by extending the payment period and paying in batches.

To put it simply, a luxury apartment that originally cost 7,000 gold Galleons to buy, now you only need to pay a down payment of 1,000 gold Galleons, and then 50 gold Galleons every month, and then pay it back for ten years, then after 10 years, the house is completely yours. ”

As soon as Clark's method was finished, the eyes of the three school board representatives present lit up.

This method works!

It is important to know that a high-ranking official of the Ministry of Magic generally earns between 200 and 400 gold Galleons per month, depending on the importance of their job department.

But no matter which department it is, there is no problem in supporting a monthly payment of fifty gold galleons. Even a mid-level head of the Ministry of Magic, like Clark's uncle Arthur Weasley, has a salary of about 150 gold Galleons a month, and if he is frugal, he can't buy a set.

"But doing so prolongs the payment time, and what if something happens in the middle and the buyer is unable to pay? Besides, if they pay in installments, the investment in building a house will not be recovered for the time being, so how to deal with the deficit in the middle? ”

Unconvinced Darren?? Bock continued to provoke, but his red eyes and rapid breathing showed that his heart was not at peace.

Clark smiled indifferently, "This is also very easy to solve, first of all, we can find a third party for the loan, such as Gringotts, those goblins have a large amount of gold Galleons in their hands, they can provide a loan, pay the seven thousand gold Galleons for the purchase of the house, and then let the buyer return the money from Gringotts in installments, of course, in order for Gringotts to be happy to participate in this matter." This is in between. They can charge a little pro-rata interest. ”

"That's a good idea!" Elijah?? Jax smacked the floor with his cane and made a "clang" sound to show his approval of Clark's claim.

As soon as he spoke, Darren, who was originally going to pick on the thorns?? Bock also stopped his mouth and kept silent.

In fact, when it comes to now, the three board representatives are also confused when they hear professional terms such as loans, fundraising, and annual rate of return, but this does not prevent them from seeing that Clark is full of confidence and is full of confidence.

Sometimes, investment is actually investing in people, no matter how good you are in a project, or the person in charge of the project cannot give confidence to investors, then no investor will be optimistic about the project.

On the other hand, if the person in charge of a project is confident in his project, then even if the project is not clear, the investor will not be stingy to give him a chance.

Now it seems that Clark's project is still very successful, it is almost like Jack Ma is alive, so that the three board representatives present are full of confidence in his project that only stays on the PPT.

So in the middle of the scene, the attitude of the three people immediately changed.

That Theodore?? Abbott even leaned in front of Clark, his big chubby face crowded with smiles, looking like a blooming chrysanthemum.

"Virtuous nephew, uncle, I suddenly felt that the construction of this dragon farm is a matter for the entire school, how can you pay for it alone? The Abbott family has decided to join you in the Pwit family, and together we will pay for Hogwarts to make Hogwarts even better!"