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

Ji Fanyin nodded, quickly turned around and left to find the manager.

A moment later, a middle-aged man in his thirties, wearing a white shirt and tie, walked over quickly.

With a professional and enthusiastic smile on his face, he reached out and shook hands with Lei Guoliang.

"Hello Mr. Lei, I am Chen Lifeng, the sales manager here. Xiao Ji told me that you are very interested in our Fashion Garden and are planning to buy several units at once?"

"Come, come, sit here. I'll have someone pour you some tea."

The two sat down on the sofa in the negotiation area. Ji Fanyin brought over two glasses of water and stood quietly behind and to the side of Manager Chen, looking somewhat nervous.

"Manager Chen, let's skip the formalities," Lei Guoliang said, taking the water glass and getting straight to the point.

"I just heard from Ms. Ji that you can do zero down payment and get a cash rebate through high appraisal and high loan."

I'd like to ask, if I want to buy multiple sets this way, what are the restrictions? What's the maximum number of sets I can do? What's the specific process?

Chen Lifeng's smile remained unchanged, but a subtle shrewdness flashed in his eyes.

He leaned forward slightly and lowered his voice, saying, "Mr. Lei is a sensible man. This kind of operation does indeed exist."

However, it also depends on your qualifications, mainly the bank's loan approval process. Where are you currently employed? What is your income like?

"I work as a master craftsman in a Hong Kong-funded furniture factory in Buji. I have a few apprentices, and I can earn a stable income of five or six thousand a month," Lei Guoliang said truthfully.

In 2003, this income was not low and was a favorable condition for applying for a loan.

"Do you have social security? How long have you been staying in Shenzhen?"

"It's been seven years, so you must have social security," Lei Guoliang nodded and said.

"Seven years, stable job, monthly income of over five thousand..." Chen Lifeng tapped his fingers lightly on his knee: "Good qualifications."

We have some cooperative channels with banks. As long as you have proof of income and bank statements, we can help make them look good, so there shouldn't be any problems.

However, you said you'd buy several sets, how many exactly? Two sets? Three sets?

Lei Guoliang did not answer directly, but asked in return: "When banks approve loans, do they look at the amount of a single loan or the total debt of the borrower?"

If I buy everything at once, what's the maximum number of properties a bank can approve for me, or what's the maximum loan amount they can approve?

Chen Lifeng narrowed his eyes slightly, realizing that the young man in front of him was not acting on impulse, but had come prepared.

He considered for a moment, then lowered his voice even further: "Mr. Lei, the operation here is a bit complicated. In theory, a bank cannot have more than ten sets. If it does, it will increase the risk and attract the bank's attention."

If you can use the ID cards of relatives and friends to do this, then as long as you can get enough ID cards, there are no restrictions.

"How many sets of accounts can I operate under my own name at one bank?" Lei Guoliang decided to find out the limit first.

"Well..." Chen Lifeng picked up his cup and took a sip of water, seemingly weighing his options: "Generally speaking, the same bank won't approve too many mortgages for the same person in a short period of time."

However, if it involves dozens... even hundreds of properties from different banks, it's theoretically possible. But the total monthly payments would be very high, and if the financial chain breaks down, it would be very dangerous.

Even if the rent can cover part of the cost, if the rental business is not successful or the rent drops, your cash flow will be under great pressure.

Mr. Lei, this is no small matter; you need to think it over carefully.

Chen Lifeng's words were half a reminder and half a test. He had seen many clients who wanted to exploit loopholes to speculate on real estate, but he rarely saw someone as young as Lei Guoliang with such a boastful tone.

He needs to find out the other party's background and determination.

"I'll calculate the monthly payment. Manager Chen, if I can finalize things today and go through the zero down payment plus cashback process, how many houses can I apply for a loan from one bank at most?" Lei Guoliang asked.

"Even if you have connections with a bank and we help you package your bank statements and other documents, you can't use more than ten sets of documents. If you use more than ten sets, the risk is too high and it will easily attract the bank's attention."

"Six to eight sets are still feasible and within a relatively safe range," Chen Lifeng said after considering it for a moment.

"If that's the case, can we apply to multiple banks at the same time? Apply to each bank for loans for six to eight houses?" Lei Guoliang asked again.

Chen Lifeng nodded and said, "You're right, theoretically it is indeed possible to do it that way."

"Alright, let's assume one bank applies for six properties. I'll buy twelve properties first and apply for loans from two banks," Lei Guoliang nodded and said decisively.

For the first time, Chen Lifeng's professional smile truly froze.

He stood there stunned for a full two seconds before he realized he hadn't misheard:

"Mr. Lei...you mean, twelve sets?"

"Yes, twelve sets."

Lei Guoliang spoke calmly, as if he were talking about buying twelve bottles of water: "Two banks, six sets from each."

Zero down payment, high appraisal, high loan amount—I want transparent accounting, no gimmicks.

Ji Fanyin stood to the side, her palms already sweaty.

She originally thought that two or three sets would be the maximum, but she didn't expect it to jump directly to twelve sets.

Chen Lifeng leaned forward again, this time not with shrewdness, but with solemnity:

"Mr. Lei, let me confirm with you again, it's twelve units, all with zero down payment and cashback, you won't have to pay a single penny?"

"Yes."

Chen Lifeng took a breath and said in a low voice, "I won't lie to you, we can handle sending all twelve sets at once, but the price must be renegotiated."

Since you have a large order, I'll give you the lowest price, but you also need to give me a clear answer on how the evaluation will be conducted, how the loan will be processed, and how much rebate will be provided. You need to know all of this.

Lei Guoliang nodded slightly and finally got to the point. His voice was not loud, but every word was clear: "I'll give you a fixed price right away. If it can be done, we'll book the room number and prepare the documents now."

"I can't do it. I thank Manager Chen for his honesty. I'll go to the next property development."

He paused, then looked calmly at Chen Lifeng:

"For a 62-square-meter two-bedroom apartment, the actual transaction price I can only offer is 4800 yuan per square meter. Is that acceptable?"

"Is it possible to assess a loan price of 6800 yuan per square meter, with a difference of 2000 yuan per square meter?"

The cashback for each house is 2000 multiplied by 62, which equals 124000 yuan. The total cashback for twelve houses is 1488000 yuan.

What I want is very simple: First, a cashback of 124000 yuan per set, not a penny less.

Second, all fees, including down payment, deed tax, maintenance fund, three years of property management fees, and all other handling fees, are waived.

Third, all home appliances have been upgraded to top-tier brands, not generic brands.

Fourth, all twelve units are for me on mid-to-high floors, facing south, and not near the road.

5. Bank statements, income certificates, and loan application materials will all be handled by you. I will only sign them.

I don't spend a single penny; I only collect the rent, the rent, and the rent paid.

After saying that, Lei Guoliang picked up his water glass, took a sip, and handed the battlefield over to Chen Lifeng.

The entire negotiation area fell silent instantly.

Ji Fanyin was even careful with her breathing.

This was the first time she had ever seen someone calculate the price difference per square meter down to the last digit when buying a house, leaving no room for the developer to maneuver.

Chen Lifeng's fingers flew across his knees as he calculated rapidly, his expression constantly shifting.

4800 yuan is close to the cost line, but there is still a little profit.

The appraised value of 6800 is not the highest possible value, but it is still safe enough.

A cashback of 124000 per set is no problem, and if all twelve sets are sold at once, a large sum of money will be returned directly.

Houses are simply not selling, and the company urgently needs to recover funds.

There are risks, but they are within a controllable range.

More importantly, there are very few orders like this in the entire town of Shenzhen.

Chen Lifeng remained silent for half a minute. When he looked up again, his eyes were no longer probing, but solemn.

"Mr. Lei, I've been in the real estate business in Shenzhen for five years, and you're the first person I've met who can calculate accounts even better than me."

He stretched out his hand and said in a resolute tone, "I agree to all your conditions."

The transaction price was 4800 yuan per square meter, the appraised price was 6800 yuan per square meter, and each unit received a rebate of 124000 yuan, totaling 1488000 yuan for twelve units.

We'll cover all the expenses, you can choose any floor you like, and I'll arrange the bank transfer.

But I have a request: this matter is to be known only to the three of us. Please don't tell anyone else, and I won't publicize it either.

Otherwise, the entire industry's rules would be disrupted by your single order.

Lei Guoliang reached out and gently shook his hand.

The force was not heavy, yet it was as steady as Mount Tai.

"Sure. I only care about the results, not the fame."