Qingben beauty

Chapter 550 Rising, Rising!
"Up, up!" Vice President Wu patted her with a smile, and then said to me: "I don't know what I just need, but I know that the few pieces of land that Shencheng has just auctioned are land where commercial housing can be built. , The floor price is much higher than last year, the cost of the real estate developer has increased, and the house price will definitely rise."

Realtors' costs have increased...

When I heard it, my heart skipped a beat and I said, "Then, didn't they spend more money?"

"There is no money for the land, and those real estate developers don't need to engage in development." Ms. Lin smiled and said to Vice President Wu Nunuzui: "Besides, they like this kind of customers. As long as the land is taken, they will Loan, or she can be so clear."

"You can't say that." Vice President Wu said with a chuckle: "We only target high-quality customers, and not everyone can get a loan. You don't know, some small developers now use underground financing."

The voice paused, and Vice President Wu smiled at me and said, "It's a high-interest loan between private individuals."

I blinked my eyes and looked at Ms. Lin and Vice President Wu very curiously.

Vice President Wu smiled and said: "Look, if you want a loan, you have to have collateral, that is, at least he has to get the land, but if you want to auction the land, you have to have money, you have to have money first Go buy land, buy land and then get a loan, but isn’t there a time gap in between?”

I nodded and thought, oh, isn't this what Guo Dexing is talking about?

"Of course, there are also some that have a good relationship with our bank and will make some products, that is, issue high-interest bonds." Vice President Wu said with a smile: "The interest rate of that kind is very high, usually 15.00% to 20.00% for one-year bonds. interest."

Then, Vice President Wu smiled at me and said, "Has Xiaoqing considered buying this kind? If you have an idea, next time I have a good one, I will recommend it to you."

"If you want me to say, it's still reliable to buy a house." Ms. Lin said with a smile: "Although the bond has a high interest rate, it is not a product of your bank after all. If something goes wrong, your bank will pay for it, right?"

Vice President Wu smiled, stopped mentioning that, and asked Ms. Lin where is the best house to buy now.

"What you want to buy is that you want to improve your accommodation conditions, that is, if you want to change to a larger apartment, then you still buy the same community. There are large apartments here, you can change directly, and the community schools are familiar with everything. Now Zhongshan The supporting facilities here in the park are getting better and better, and the housing prices are constantly rising, so the replacement set is also easy to rent." Ms. Lin said.

"That's right, help me see if anyone is willing to sell? I just want the 150-square-meter one." Vice President Wu said with a smile.

I watched Vice President Wu talk and cast a glance at me, and my heart skipped a beat.

But Ms. Lin didn't notice it at all. After thinking for a while, she said: "I remember, there seems to be a client who has listed the card. I will go back and look for it and ask him."

I glanced at Vice President Wu, smiled at Ms. Lin, and said, "If Sister Wu wants to live at home by herself, in my place..."

Before I finished speaking, Ms. Lin shook her head and said, "Your three sets are not good. I just signed your three sets of rental contracts for others. The lease period is two years, which means that you, sister Wu, cannot live, and, by law,
Your house is going to be sold, and the tenants have the first right of purchase. I know the three tenants, all of whom are rich owners. If they want to buy it, then you won’t be able to pay for it. The current house, unless you are in a hurry Use your money, or don't sell it. "

After Ms. Lin finished speaking, the emotion on Vice President Wu's face disappeared, and she smiled and said, "Yes, yes."

I let out a sigh of relief, and said to Ms. Lin: "Then, Sister Lin, where do you think I should buy it if I want to buy it now?"

Miss Lin frowned and thought for a while, then said: "If you want the rent to be able to pay the monthly payment after you buy it, you have to go to the surrounding areas, such as Jiading and Songjiang, where the towns have been transformed into new urban areas. It's still cheaper now.
The monthly payment is also relatively low, so that the difference in rent will not be too far away. However, if the rent is not considered, and only value-added considerations are considered, then Pudong, Xuhui, Changning, and Jing’an are better places, and the houses here are also relatively good. Good rent, but the house price is a bit expensive. "

"It's better in the urban area. It's easier to handle mortgages for houses here, and if you need money, you can sell it faster." Vice President Wu said beside him.

"That's true." Miss Lin nodded.

I saw that Miss Lin didn't make a suggestion for a while while thinking, so I asked the two of them to have dinner first.

I also ordered three more expensive but delicious dishes and three more desserts.

We chatted about some other topics casually. Vice President Wu said that she had come to work and had an appointment with a client, so she left first.

Before leaving, she told me that once the house has been selected, the loan should be processed with her.

I nodded again and again.

After she left, I looked at Miss Lin.

Ms. Lin, who maintains ample information on housing at this moment, can't think of what housing I should buy for a while? !
Ms. Lin glanced at me, picked up a piece of smoked salmon, and said, "Her bank is just a sub-branch below, and there are several vice-presidents. As for her, she has a heavy burden on her. let it out
They have to ensure that the loan can be recovered, and what kind of assessment is their bank doing now, that is, how much deposits can be brought in, and how many products can be sold out, so, don’t think that this name sounds good, In fact, the pressure is greater, and the power, of course, is also greater, so this person is different..."

Miss Lin shook her head and sighed.

I didn't speak, but just added some water to her water glass.

"Xiaoqing, if you want to buy a house this time, how much money do you want to use?" Miss Lin said, took a sip from the water glass, and then said: "I need to know your approximate size before I can recommend it to you." project."

I blinked.

Miss Lin smiled and said: "You girl, I don't know the amount of your loan. If you can repay it all according to your habit, you must have twice the money in your hand to say this. You need to know, Buying a house with millions and tens of millions is completely different.

You see, if it’s a few million, with the current house price, if you want to use the rent to guarantee the monthly payment, then you can buy at most two medium-sized apartments. In this way, you will not be under much pressure, and there are only two sets, even if it is scattered Buying doesn't matter too much.

But if it's tens of millions, then at least ten sets, then it's not what your sister Wu said, but you have to consider the cost performance and the convenience of renting..."

Ms. Lin paused here and took another sip of water.

I uttered an uh, and then said with a smirk: "Well, I have earned a lot from this stock. I have [-] million yuan in my hand. If I don't pay back the loan, I can probably buy a [-] million yuan house."

With a puff, Miss Lin sprayed out the water she had just drank from her mouth.

(End of this chapter)