Can not doing what one wants be called rebirth?

Chapter 358 368. Eight Hours Beyond

The biweekly meeting lasted for more than an hour. President Lu arranged the current and future work, and then ended the meeting in a joyous atmosphere.

All major lines of the company are moving in a stable and positive direction, the employees are full of energy and the company is thriving.

Just like this era that is surging forward.

The stock market is booming, the economy is thriving, the policies are enlightened, and the vitality is unlimited.

After the meeting, He Ying did not return to her office, but followed Lu Jincheng to the top floor, looking as if she wanted to say something but hesitated.

"Boss Lu, do you want me to take you there later?"

As a junior assistant, she knew that Lu Jincheng had an appointment with someone later.

Although the person's geographical location is not far away, it is only within a few kilometers of Shuguang Jiayuan Community, and it only takes a few minutes to drive away.

It is highly likely that Mr. Lu does not need to pick himself up.

But she still had to ask.

He Ying has long developed the good habit of reporting everything.

"Why, what's going on?"

Lu Jincheng was holding the phone at the moment. Hearing He Ying's tone, he raised his head and asked.

".Didn't I hear you say before that this will be a rare bull market? I also took a look at the real estate market a few days ago."

Having said this, He Ying was obviously a little embarrassed. She grabbed the corner of her clothes with one hand, bit her lip unconsciously, and lowered her head.

"and then?"

The man also became interested and asked with a smile.

"Which one do you like? Are you ready to buy a new house?"

He couldn't help but feel curious.

Seeing that he spent millions to buy a villa, it is not difficult to understand why the assistant is interested in the house.

But to put it bluntly, she is just a white-collar worker who has been in the society for less than a year.

Although the current housing market is not as exaggerated as in later generations, the down payment is still not a small amount, far beyond what He Ying can afford at the moment.

Even though I have been encouraging her to learn to enjoy life, she doesn't even have the chance to save much money.

Where does the down payment come from?
"Is such that."

"I was just taking a look at it casually. I set a small goal for myself and managed my expectations."

"But after talking to a few companies, someone told me that my current situation is most suitable for a zero down payment."

"I was invited to visit the site to look at the house and learn about the latest financial policies. The number of places is limited."

As she spoke, He Ying's speech speed became faster.

“Zero down payment?”

Lu Jincheng leaned back in his chair, crossed his legs, and a long-lost smile appeared on the corner of his mouth.

He hadn't heard this familiar "new term" for a long time.

Against the backdrop of rapidly rising housing prices, the phenomenon of buying a house with zero down payment has quietly emerged.

In order to sell houses, real estate agents and some developers have tried every possible means, and various marketing methods have emerged one after another.

From “buy a house and get a car for free” to “buy a house and get an apartment for free”, traditional marketing tactics are common.

Since 2015, posts sharing experiences on buying a house with “zero down payment” have begun to circulate widely on social platforms.

Real estate agents in many cities use the tone of home buyers to post posts on social platforms such as "Get your first home with zero down payment" to attract traffic.

For example, in Jiangcheng, one poster said that buying a house is too difficult, the good ones are too expensive, the cheap ones are too remote, and he still owed money. However, through hard work, he found a house with zero down payment, which not only paid off his debts, but also had a good location.

The poster stated that for a house originally worth 80 yuan, a conventional 1.5% down payment would require a 12 yuan down payment. However, through some operations, the house can be loaned up to 100 million yuan, and the landlord will return the excess, thus achieving zero down payment.

It was after reading such a post that He Ying developed an interest in learning more.

"I asked you to look at the house this afternoon? Don't rush over."

Lu Jincheng smiled and pointed to the cabinet not far away, and said slowly.

"We're expecting a guest. Let's make a pot of good tea and ask him to tell you the ins and outs of this."

"Okay~"

He Ying turned around and nodded obediently.

"Xiao He, as a professional financial practitioner, I really don't recommend you to buy a house with zero down payment."

On the top floor of Building 4, Zone D, Nanhu Industrial Park, the office is filled with the aroma of tea.

A middle-aged man sat side by side with Lu Jincheng. He had a fat belly and wrinkles on his face from smiling. It was Huang Hu, who was promoted to deputy president at the end of last year.

"From past experience, zero down payment is not what you understand, that is, you don't have to pay a penny at all."

Looking at He Ying's puzzled expression, Huang Hu continued to explain.

"It is often the developers or real estate agencies who obtain down payments from credit companies or banks by paying in advance or virtually raising the house price, using high appraisals and high loans, etc."

"President Huang, what is high rating and high loan?"

He Ying was like a good student who was eager to learn, holding her chin and looking at the two men in front of her.

"That is, the developer or real estate agent inflates the property price so that the purchase contract price is higher than the actual transaction price."

"Let me give you an example. For example, a house actually worth 200 million yuan, the developer raises the contract price to 250 million yuan. According to the bank's loan policy, the buyer can apply for a loan from the bank at the contract price of 250 million yuan, and can usually borrow 200% or % of the contract price. If calculated at %, the loan can be million yuan, which means that the buyer does not need to pay a down payment, and the loan directly obtained from the bank covers the entire purchase price."

Huang Hu raised his cup, took a sip of tea and said.

"But this operation also carries great risks. On the one hand, because the loan amount has increased, higher loan interest rates have to be borne."

"Let's take a house worth 200 million as an example. The normal down payment is 30%, which is 60, and the loan is 140 million."

"If it's like you said with zero down payment, and the loan amount becomes 200 million, that would be interesting."

"Let me do the math for you. Assuming the annual interest rate is 5%, with a normal down payment and a loan of 140 million yuan, and equal principal and interest payments over 30 years, the monthly repayment is about 7600 yuan, and the total interest is about 134 million yuan."

"For a zero down payment loan of 200 million yuan, with the same 30-year equal principal and interest repayment, the monthly repayment is about 10700 yuan, and the total interest is about 205 million yuan."

"In comparison, buying a house with no down payment will cost you about 3,000 yuan more per month. Did the agent tell you, 'Oh, it's okay, hurry up and buy the house, your salary will definitely increase by more than 3,000 yuan?' That sounds good, right?"

"But what about the total interest? The total interest increased by $71."

Huang Hu was afraid that his analogy was not appropriate, so he thought about it for a few seconds before continuing.

"It's like having an entry-level Porsche."

".so much!"

He Ying suddenly realized.

“Yes, as a financial institution, we strongly advise against it.”

"I won't mention the various fees that developers charge during cashback operations."

"Not only does it not really save money, but the risks are also relatively high. Because loans are obtained through illegal means such as high appraisals and high loans, signing shady contracts, etc., once discovered by banks or regulatory agencies, homebuyers may be required to repay the entire loan immediately and face legal prosecution at the same time."

"That's it"

He Ying's eyes dimmed, and she stood up to refill their tea, muttering, "Then I won't consider it." "I can't get a car for a while, so I'd better save up for the down payment."

"Who said we can't get on the bus?"

When Huang Hu heard this, he couldn't help but pick up the teacup again, blew a breath of hot air, and grinned.

"Mr. Lu called me here this time just to discuss this matter, didn't he?"

"what?"

He Ying was startled, her watery eyes darting around.

This was information she had never been exposed to.

"You don't know yet, do you? Your boss is really powerful. I don't know how he has such a good relationship with the school."

"At the end of last month, the main structure of the Nanhu University teacher turnover housing project was capped. As soon as the decoration and renovation construction phase began, he got several internal quotas. I really admire him."

"This is welfare housing specifically for faculty and staff, and it hasn't even been put up for sale to the public yet. Just imagine how wild Mr. Lu is."

Huang Hu stroked his beard, smiled and gave Lu Jincheng a thumbs up.

He Ying, who was standing by, listened attentively and gradually her eyes widened.

After three rounds of tea, we had almost finished talking about the business.

After seeing Huang Hu off, Lu Jincheng did not let He Ying take him to his next date.

Even though the assistant has spared some time.

He drove alone to Shuguang Jiayuan and picked up his elder sister whom he had not seen for a long time.

"Have you been waiting for a long time?"

I opened the car door and heard the familiar royal sister's voice.

When Guo Minjie sat closer, a fragrance with a slightly sweet smell naturally permeated his nose.

"No, I just came from the company and happened to talk to my friend at the bank about the collective housing."

Lu Jincheng sat upright, straightened his body, and took his eyes off the counselor.

Every time he saw Guo Minjie, he felt a little bit unable to control himself, especially with this very faint fragrance.

He even wondered whether it was perfume, body odor, or some magical potion mixed with something strange that always made him distracted.

In front of Guo Minjie, he really didn't want to act like a naughty child, but it was still difficult for him to control his most primitive instincts.

Secretly, condescendingly, he took a close look.

The two snow-white and smooth breasts at Guo Minjie's neckline were displayed in his eyes with such exquisite curves.

Even during non-working hours, Guo Minjie is still dressed beautifully, like a goddess.

She didn't put her hair up today, and the ends of her hair were slightly curled, revealing her bright, mature, sexy and charming side.

In addition to the well-tailored suit, around her neck was a satin scarf tied into an elegant large bow on one side.

The finishing touch is sexy, enchanting, noble and generous. It seems to have some symbolic meaning, and it also seems to be a kind of compelling charm that matches the aura.

Beautiful silk scarf
Mr. Lu is actually an expert when it comes to women's decoration.

He even began to lose his mind.

Why is this finishing touch so tempting?

Is it because the aura of the scarf is too fitting?
Or is it because the knotting of the silk scarf is so delicate that Guo Minjie looks like it has been specially modified and delicately carved, like a work of art?

Or is it the knot of a silk scarf, or even a metaphor for some kind of gift?
In other words, does the technique of knotting imply some restraint, control, or even bondage?

No matter what, Lu Jincheng had to admit it.

Guo Minjie is simply a perfect woman.

After being promoted from counselor to director of the student affairs office, she gradually acquired a completely different aura and flavor.

In a very private high-end Chinese restaurant, students and teachers sit opposite each other.

But in the eyes of outsiders, the roles have been subtly swapped.

The one who talks eloquently is the young "teacher", and the one who listens attentively is the mature "student".

"I've heard you complain a lot about things in the university circle, so I won't give you any specific suggestions, because all crows are black."

"Some things are difficult and easy at the same time. I will tell you how to play your current role well."

The young teacher paused, opened her mouth, took the food that Guo Minjie fed her, swallowed it with a smile, and continued.

“After you step onto this ladder, all your efforts and achievements within eight hours are part of your responsibility. If you want to go further, you will need to work outside of the eight hours.”

Lu Jincheng tapped Guo Minjie's palm and circled it silently.

"First you have to think about one thing. Do you have your own circle besides me?"

"Is your circle getting smaller or smaller, or more scattered? Do you get together to relieve stress or to build bridges for each other? Do you have any acquaintances who are in charge of your business, who control the flow of funds, and who can do things for others?"

Guo Minjie seemed to be thinking about something.

"Will they tell the leaders of your unit that they are very familiar with you?"

"I'm telling you, nine and a half out of ten people you date won't say this, and the distance you're away from success is actually just half of my distance."

"For ordinary people, it would take a lot of time to maintain one line, and more than two would be the limit."

“As I said, success is very close, just strive for that half of you, success is very far away, because the human heart is like the sea, and many times you can’t see the other side.”

Lu Jincheng smiled and spoke earnestly.

"Do you know how I got the quota for the collective housing this time?"

"It was a dinner party. The developer invited the school leaders and the bank system leaders to dinner. At the beginning, we talked about everything. After the atmosphere became lively, we looked for common topics. We happened to talk about entrepreneurship, and then we talked about me."

"A vice president at the scene said he had a good relationship with me and called me on the spot."

"Within half an hour, I rushed over with a case of wine. I didn't even know what the theme of the dinner was, but that didn't stop me from blending in and bragging."

"How did it end in the end? The bank said that we brothers should get together often in the future, and the developer said that a resort hotel had just been built recently, so we should bring our families and give them some suggestions before school starts. Everyone must be present."

“Just like that, I successfully integrated myself from being outside the eight hours of my acquaintances into being outside the eight hours of strangers.”

Guo Minjie couldn't hide her surprise at first, and her eyes gradually turned strange when she looked at Lu Jincheng.

“Is there any benefit transfer from this meal?”

"No."

"Is there any interference in personnel affairs?"

"nor."

"It was just a meal, but I'm sure I don't need to use favors to ask the school for quotas for faculty and staff. It will be easier for me to negotiate the internal price with the developer later."

"In fact, with their endorsement, the answer is exactly that."

Lu Jincheng crossed his arms, his angular features full of confidence.

(End of this chapter)