Chapter 2: Buy a house first

Chen Weidong did not have a computer now, so he logged in to the stock trading software of Dongguan Securities Company on the computer in the business hall, checked the stock of Vanke Company, and found that the current stock price is 3.58 yuan, which is also the lowest point today.

He thought about it, looked at the K-line chart again, and felt that it should have bottomed out now, with a large number of buy orders below 3.58 yuan, more than 100,000 hands, and the possibility of falling again is too small.

Although there are many sell orders, there are more than 20,000 sell orders at 3.60, but there are less than 10,000 lots left at the price of 3.59, and they are decreasing, some have been traded, and some have been cancelled.

Chen Weidong transferred another 20,000 yuan, directly put up a buy order of 2,000 hands, swept the goods at the price of 3.60, and made a deal in an instant, directly pushing the stock price from 3.58 yuan a share to 3.62 yuan a share, and soon rose to 3.65 yuan a share.

On Chen Weidong's account, the cost price shown is 3.596 yuan, and the floating profit is 7780 yuan. Just two minutes.

However, if you sell it at this price, you won't actually make much money, because you have to pay stamp duty when you sell it, and if you add a handling fee, you will lose money.

Now that he has bought it, Chen Weidong will not care about these for the time being, at least for a short time, he will not care about the matter of this stock, and after withdrawing from his trading account, he left the business department of the securities company.

Since I don't want to go to work anymore, the husband and wife room allocated by the factory naturally can't live anymore, so I have to buy a house quickly.

In this era, buying a house, in fact, you can buy a house without much money, and advertisements for buying a house with zero down payment and 10,000 down payment can be seen everywhere on the road.

Chen Weidong stopped a yellow one and came to the sales office of a real estate called Xiangshan No. 1, and found that there were not many people in the sales office, and it seemed that this real estate was not very good to sell! It's no wonder that people advertise with zero down payment.

However, the location of this property is very good, and the environment is also very good, next to a primary school.

However, now, the location here is not prominent, but Chen Weidong is very clear that this section of the road will be very prosperous in the future, the opposite mountain will be leveled, the town bus station, the long-distance bus shop will be moved to this side, and there will be a new super-large community built opposite.

In addition, a super-large commercial shopping center will be built opposite, RT-Mart supermarket will also be settled, life, shopping, leisure, transportation, etc., will be very convenient.

The most important thing is, of course, that the appreciation potential is very large, and before he was reborn, the second-hand house was sold for 30,000 yuan per square meter.

But the current house price, as long as more than 3,600 square meters, with decoration, twisted bag to move in, is definitely worth buying, and it is worth the money!

You can also buy a rough house, as long as more than 3,300 a square meter.

Of course, Chen Weidong chose to buy a well-decorated house, saving time and effort, that is, buying and living, how convenient!

The clothes Chen Weidong was wearing were very ordinary, at first glance, he was a person who came here from other places to work, and he walked over, and the people in the sales office were not very enthusiastic about Chen Weidong's arrival, but they didn't ignore it.

"Hello sir! Are you buying a house? How big is the house you want to buy? A sales lady stepped forward and asked.

"Let's take a look first, understand, I want to ask you how you bought a house with zero down payment?" Chen Weidong said.

"Do you want to buy a house with zero down payment? Yes, sir, zero down payment to buy a house, that is, our developer, advance 20% of the down payment for the buyer, this 20% down payment, the buyer can pay us in installments within a year, and you do not need to pay the interest on the down payment. The sales lady explained.

"In addition, buyers still need to pay a deposit of 10,000 yuan, which is also counted in the down payment."

"In this way, the so-called zero down payment is actually a down payment of 10,000 yuan." Chen Weidong said.

"You can understand it that way, too." The sales lady smiled and said.

"Then if I'm going to buy a house, I'll have zero down payment as you said. The whole calculation of how much it will cost, including various taxes and fees. Chen Weidong asked again.

"This depends on how big the house you want to buy, the area is large, the deed tax will be a little higher, as well as the guarantee fee, insurance premium, and housing maintenance fund will also be higher, according to our 138-square-meter house here, it will be about 40,000 yuan." The sales lady said.

"Then if I'm going to buy your well-furnished house now, how long will it be before I can move in." Chen Weidong said again.

The sales lady said: "About ten days! After the bank approves the mortgage loan amount, you can move in after completing the transfer. ”

After asking clearly, Chen Weidong also had a bottom in his heart, now he still has almost 200,000 yuan in his card, forget about the zero down payment, there is no need for this, and you have to take some risks, follow the normal process, and make a down payment of 20%, which is more reassuring and trouble-free.

Buying a house of 138 square meters, the house price is 3,688 yuan, the total house price is more than 500,000 yuan, and the down payment of 20 percent, that is, 100,000 yuan, plus various other expenses, and then add something after moving in, 150,000 yuan is enough.

There are 50,000 yuan left, the mortgage payment is enough to pay for a year, and it is impossible for me not to think of a way to make money, take 10,000 steps back, there are still more than 10,000 yuan lying on the stock account, if you need money urgently, sell a little stock, and you will not worry about running out of money.

Chen Weidong proposed to take a look at the well-decorated existing house, just look at the 138-square-meter house.

The sales lady thought that Chen Weidong just came in to ask, and had no intention of buying a house.

In fact, there are not many such people, most of them come for zero down payment, and when they really understand, they find that this zero down payment is not that there is no down payment, but there is a year to pay the down payment in installments, and most people will retreat.

Seeing that Chen Weidong did not leave, but wanted to see the existing house, although he was a little surprised, he still took Chen Weidong to see the existing house.

Chen Weidong looked at several sets of existing houses in a row, probably because of the unified decoration, the room type and the effect after decoration are almost the same, the difference is probably that the scenery outside the window is different from the balcony.

Chen Weidong chose a house that could see the garden view of the community from the window, and said to the sales lady: "I want this set, sign the house purchase contract today, according to the normal down payment of 20%, are there any preferential activities?" ”

"If you don't have to make a zero down payment, you can enjoy a ninety-eighty discount, and when you hand over the keys, you will return it in the form of a red envelope, and now you can sign a contract to pay a deposit, and you can also give away three years of property management fees, which are all treatment that you don't have when you choose zero down payment."

"That's good! Then let's sign the purchase contract! Chen Weidong said very crisply.