Get rich quick starting with buying a house with zero down payment

"Does the older brother want to buy a house?"

A tall, pretty girl in a business suit, showing off her long legs and wearing a ponytail, stopped a middle-aged man and asked him a question while holding a stack of real estate promotional posters.

"A housing project in the city center for first-time homebuyers, priced at 6380 yuan per square meter, with a minimum discount of 8.5%, bringing the price down to 5423 yuan per square meter."

"The developer is also giving away 10% of the down payment, the deed tax, a year's worth of property management fees, and all the appliances for the house. In reality, you don't have to spend a single penny," the girl continued to tell the young man.

The young man's name is Lei Guoliang. He has just been reborn in 2003. He is 25 years old that year, but he has already been working in Shenzhen for seven years.

Working at a Hong Kong-funded mahogany furniture factory in Buji, the monthly salary is 300 yuan, after deductions for food, accommodation, management fees, and temporary accommodation fees.

I only get one day off per month, and I work twelve hours a day. Even with frugal living, my actual take-home pay is a little over one hundred yuan, but less than two hundred yuan.

Now, he has several apprentices under his wing, and he earns four or five thousand yuan a month, or even more.

Before his rebirth, Lei Guoliang was always satisfied with his job. Although he briefly opened his own shop and did some business, he eventually returned to the furniture factory to continue working.

More than a decade later, he changed careers and started working for a company, rising from an assembly line worker to a department head. After that, he lost his job due to poor health and made a living by writing online novels at home.

During this period, she went through marriage, starting a family, buying a house, having a child, and then getting divorced and selling the house.

Being an online novelist is also a high-risk profession, with very unstable income.

Especially by 2026, impacted by AI and short dramas, traffic has declined across all websites.

However, the number of authors wanting to make money by writing online novels is increasing. It's becoming increasingly difficult for online novel authors; Lei Guoliang suddenly died one night while working tirelessly on a plot.

Unexpectedly, when I woke up, I found myself reborn in 2003.

Having been given a second chance at life, Lei Guoliang certainly didn't want to live the same way he did in his previous life.

Over the years, he has saved up some money, not much, but more than 200,000 yuan, which is a certain amount of capital for an ordinary person.

Lei Guoliang took a bus to the city center. Before his rebirth, at this time, although he worked in Buji, which was not far from the city center, he rarely came to the city center.

On the way here, he saw some banners for real estate developments, and the prices were higher than he had imagined. The prices in Buji, outside the city center, were better, with prices around 3000 yuan per square meter.

However, housing prices within the city are generally around 6,000 to 7,000 yuan per square meter, with some even exceeding 10,000 yuan, and even the cheaper ones costing 5,000 to 6,000 yuan.

With over 200,000 yuan in his hands, Lei Guoliang could easily buy a house outside the city center.

However, although now is the best time to buy a house, once I buy a house, I will have no money left and will have to continue working in the factory.

Lei Guoliang clearly didn't want to work anymore. If he had to continue working after being reborn, what would be the point of being reborn?

"Does that mean you don't have to spend a single penny? I heard that some properties offer cash rewards of 50,000 to 60,000 yuan without requiring you to spend a single penny."

Lei Guoliang casually took the poster the girl handed him and looked at it as he spoke.

"You can buy a house without spending a single penny, and you still think it's not enough? Those who buy houses without spending a penny and get fifty or sixty thousand yuan in cash, you'll still have to pay that money back yourself in the end," the girl said with a smile.

"If you want to do it that way, we can do it the same way. It's basically a high appraisal and high loan, and you'll be the one to repay those loans."

Lei Guoliang nodded, looking thoughtful.

He certainly knew this principle: the higher the loan, the greater the mortgage burden and the higher the monthly payment.

"Can you also do this so that I don't have to spend a single penny and can still get fifty or sixty thousand yuan?" Lei Guoliang asked, looking very interested.

"Of course you can. Are you sure you want to do it this way? Then the house price will be calculated at least six or seven thousand yuan per square meter, and the actual transaction amount will still be more than five thousand yuan per square meter."

"The price difference of over a thousand yuan per square meter will be refunded to you later. You can buy a 60-square-meter house without spending a penny, and you'll even get back sixty or seventy thousand yuan," the girl said.

Although Lei Guoliang had heard of people who bought houses without spending a penny and even received tens of thousands of yuan in cash before his rebirth, he was still very surprised at this moment.

"How much will the monthly mortgage payment be after buying the house? And how much rent will there be if you rent it out?" Lei Guoliang asked again.

"Based on our normal sales price, buying a 62-square-meter two-bedroom, one-living-room apartment would require a total loan amount of 320,000 to 330,000 yuan, with a monthly payment of about 1,600 to 1,700 yuan. If rented out, the monthly rent would be about 2,000 yuan," the girl said.

"If you want more money and opt for a higher appraisal and loan, the monthly payment will probably be around 2000!"

Lei Guoliang nodded and said, "Okay! Take me to see the apartments in your development."

The girl smiled and said, "Okay, big brother, please follow me. It's in the Fashion Garden not far ahead."

The girl's name is Ji Fanyin. She is 19 years old and graduated from high school last year. This year, she came to Shenzhen to work with her cousin, but the epidemic broke out and it was difficult to find a job.

I finally found a job as a real estate saleswoman, but due to the pandemic, the real estate market is in a very bad state, and it's difficult to sell houses.

As a newcomer, it was even more difficult for her. She distributed a lot of flyers and posters, but the results were very poor.

But today I seem to be having good luck. I met such a handsome guy who is also very easy to talk to. He took the initiative to go see a house with me.

Soon, Lei Guoliang followed the girl to the sales office of the Fashion Garden residential complex.

He had heard of this property before his rebirth. It was said that ten or twenty years later, at its peak, it sold for more than 100,000 yuan per square meter, nearly twenty times more expensive than it is now.

Ji Fanyin took Lei Guoliang to see the sample room.

The 62-square-meter two-bedroom, one-living-room apartment has a very nice interior design and layout. It has a large balcony, and the community environment and scenery are also quite good.

"Is this the complete set of decorations, furniture, and appliances?" Lei Guoliang asked.

"Yes, all the houses are decorated to this standard, and the furniture and appliances are the same," Ji Fanyin said with a smile.

"Alright, I'll buy it," Lei Guoliang said decisively.

"Really? Let's go downstairs and sign the purchase contract! Although it's a zero down payment purchase and we'll be giving you a refund later, we still need to pay a deposit to show our sincerity," Ji Fanyin said happily.

"Originally, you needed to pay a deposit of 10,000 yuan, but I can try to negotiate for you so that you only need to pay a deposit of 5,000 yuan."

Lei Guoliang smiled and asked, "If I want to buy several more properties, using this method of high appraisal and high loan, what's the maximum number of properties you can sell to me?"

"Do you want to buy a few more houses?" Ji Fanyin asked in surprise.

"Yeah! Anyway, it doesn't cost a penny, and I even get paid, so why not buy a few more houses?" Lei Guoliang said in a very relaxed manner.

"Although you don't have to spend any money now and even get paid, you still have to pay it back later!" Ji Fanyin kindly reminded him.

Having just left school and the mountain village, Ji Fanyin's mind was still very simple. She had not yet adapted well to society and had not yet been corrupted by the big dye vat of society.

"I know! But didn't you say the rent could cover the mortgage payments? If I buy these houses and rent them out, the tenants can help me pay off the mortgage!" Lei Guoliang said with a smile.

"So wouldn't it be better for me to buy a few more houses? It'll also allow you to earn more commission. Wouldn't you be happy?"

Ji Fanyin was momentarily speechless. Back in the sales office lobby, she asked, "So, how many apartments are you planning to buy?"

"I don't know how many sets we can buy. You should call your manager over to talk to me. I guess there are many things you don't know and can't make the decisions for yourself," Lei Guoliang said, shaking his head.