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

As I typed the last word, it was already dark outside the window. The rain had stopped sometime earlier, and the lights of the Bund and Pudong on the opposite bank were even more dazzling.

Lei Guoliang saved the document and connected the printer. Amid the hum of the printer, he walked to the window, gazing at the land he was about to stir up, his eyes as calm as a deep pool.

He knew that once this document was sent out, the chessboard in Shanghai would be officially set in motion. Every step from now on would require treading on thin ice, yet also must be executed with unstoppable momentum.

As for whether Su Wanqing would refuse, Lei Guoliang hadn't considered it at all. He didn't think Su Wanqing would have any reason to refuse the opportunity he was giving her.

Such a great opportunity is right in front of her. If she still doesn't seize it, then it means I overestimated her. I'd rather not have someone like that.

At worst, we can give this opportunity to someone more suitable.

Lei Guoliang looked at the 120 purchase contracts he had brought back and used a calculator to calculate that, at a price of 9500 yuan per square meter, a 70-square-meter house would require a loan of 465500 yuan for 70% of the purchase price.

With a 30-year mortgage, the monthly payment would be approximately 2300 yuan.

For a 90-square-meter house, a 70% loan would amount to 598500 yuan. With a 30-year mortgage, the monthly payment would be approximately 3000 yuan.

As for rental returns, as an international community, Lianyang's tenants are mostly high-end individuals, many of whom are expatriates working for foreign companies.

Therefore, the rent for apartments here is quite high. A 70-square-meter, fully furnished apartment can cost over 4500 yuan per square meter.

However, those are apartment rental prices in international communities, where the environment and services are different.

Even if it's not an apartment in an international community, but just a regular residential area, a 70-square-meter apartment would cost at least 2500 yuan a month in rent.

The houses I bought were all fully furnished, and all the furniture and appliances were new.

The neighborhood is quite nice, and there are apartments in the international community right next door, so I won't say more. A 70-square-meter apartment with a monthly rent of 3000 yuan should be no problem to rent out.

In other words, a 70-square-meter apartment, after being rented out to cover the monthly mortgage payment, can still earn 700 yuan per month.

As for a 90-square-meter apartment, it should be able to rent for around 3800 yuan, leaving about 700 yuan left after deducting the mortgage payment each month.

With a cashback of 4300 yuan per square meter, after deducting the 30% down payment, a 70-square-meter house would yield 191800 yuan.

For a 90-square-meter house, after deducting the 30% down payment, one can still receive 246600 yuan.

Lei Guoliang tallied up the 120 houses, and if all of them were successfully sold, he could receive a total of 26.304 million yuan.

As for liabilities, they amount to 6384 million yuan.

Adding the debt of over 38 million yuan in Shenzhen, the total comes to over 100 million yuan.

Even Lei Guoliang himself was shocked when he calculated the figure. He didn't expect to receive so much cashback, which was nearly three times that of Shenzhen Town.

He owns 120 apartments in Shenzhen, but he only received a total of over 900 million yuan in cash back.

As for the rent, if you rent it out according to your own budget, the rent you receive each month will cover the monthly bank loan payments, and you'll still have more than 8 yuan left over. This figure is not much different from the situation in Shenzhen.

In Shenzhen, all 120 apartments have been rented out. After deducting the monthly mortgage payments, there is still a balance of more than 7 yuan left over each month from the rent.

After figuring out the accounts, Lei Guoliang was still quite excited.

More than 2600 million yuan in cash, plus more than 900 million yuan from Shenzhen, that's more than 3500 million yuan.

As for owing the bank more than 100 million yuan, that's nothing. When housing prices skyrocket, it will be a windfall.

This is just two cities, Shenzhen and Shanghai. Next, we can go to Hangzhou, Luzhou, Nanjing, and even Beijing, Qingdao, Dalian, Xiamen, Guangzhou, Guangzhou, and other cities to replicate the successful model of Shenzhen and Shanghai.

Housing prices in these cities will skyrocket in the next few years, and the rental market is also very good. As long as you buy a house, you will basically not have to worry about renting it out.

Moreover, using rent to pay off the mortgage, and using rent to cover the monthly payment, is not a problem at all.

Many people may not believe it, but it is true. The reason why some people feel that the pressure of repaying loans is too great and that the rent cannot cover the monthly payment is because they have chosen a mortgage term of 20 years, 15 years, or even 10 years.

Although a shorter loan term means less interest paid, the financial burden of mortgage payments is also significantly different.

For example, Lei Guoliang bought a 70-square-meter house and chose a 30-year mortgage, with a monthly payment of only about 2300 yuan.

If you choose a 20-year mortgage, the monthly payment will be 3000.

If you choose a 15-year mortgage repayment period, the monthly payment will be 3700.

If you choose a 10-year mortgage repayment period, the monthly payment will be around 5000, which will definitely increase the repayment pressure.

Lei Guoliang would definitely not choose 15 years, 20 years, let alone 10 years; he would only choose 30 years, which would be most advantageous for him.

The monthly rent covers the monthly mortgage payment, so there's no pressure at all, and there's even money left over.

Once the house prices rise, you can sell it and make a pure profit.

The QQ avatar was flashing; it was a message from Ji Fanyin. Lei Guoliang opened it to take a look.

These are some photos sent by Ji Fanyin, taken on the first day of the opening of the Anjia Tianxia store in Shenzhen.

The store was clean and bright, and several young people in matching shirts were greeting customers. Although they were inexperienced, they were full of energy.

The last photo is a selfie of Ji Fanyin. She is standing under a sign, smiling brightly with a sparkle in her eyes. The background reads the slogan "Settle down in the world, worry-free homeownership".

Lei Guoliang looked at the photo, and the corner of his mouth twitched slightly.

It's only been a few days, but I already seem to miss her a little.

Especially since we've gotten used to sleeping together at night, now that we're suddenly separated and I have to sleep alone, I'm finding it hard to fall asleep.

Lei Guoliang replied: "Very good. Keep up the good work, keep it up!"

After sending the message, Lei Guoliang closed his laptop. The suite was too quiet; even the low hum of the central air conditioning seemed jarring.

In Shenzhen, no matter how late it is, there is always a light left on for him, the air still warm from home-cooked meals, and the soft body and even breathing of a person.

Last night, half asleep and half awake, my arm instinctively reached to my side, only to touch a piece of cold velvet.

A strange, subtly restless emptiness quietly permeated the solitude of the late night.

We need to do something.

He doesn't need extravagance and debauchery; he needs a bit of real, down-to-earth noise to dispel this discomfort and allow his overactive brain to temporarily escape from numbers and calculations.

He went to the hotel concierge and asked for the address of a bar that was "a bit like old Shanghai and relatively quiet".

The Peace Hotel Jazz Bar is tucked away on an inconspicuous side street in the Bund Source area. Stepping inside, time seems to slow down.

The dim wall lamps, the dark mahogany wainscoting, the air filled with the rich, smoky aroma of cigars, the lingering scent of aged whiskey, and the unique smell of old wood steeped in time.

A small jazz band composed of silver-haired old men is lazily playing "Night Fragrance," the sound of the saxophone gliding past the ears like silk.

Lei Guoliang sat down in the innermost corner of the bar and ordered a single malt whiskey with an ice cube.

He sipped his drink slowly, his gaze casually sweeping across the room. There weren't many customers; a few foreign couples were talking quietly, a group of middle-aged men who looked like local businessmen were clinking glasses, and a woman's back looked somewhat familiar as she sat alone at a small round table not far from the band.

It's Su Wanqing.

She took off the formal suit jacket she wore during the day, revealing only a silk beige shirt with the sleeves casually rolled up to her elbows. Her long hair was draped down, obscuring half of her profile.

The man opposite her was talking animatedly, his exaggerated gold Rolex on his wrist and his polo shirt with a prominent logo standing out conspicuously in the bar's dim lighting.

Su Wanqing had her back to him, but Lei Guoliang could clearly read her resistance, annoyance, and a hint of tension from her slightly backward, defensive posture with her arms crossed, and from the man's constant attempts to lean forward and get closer.

Lei Guoliang withdrew his gaze, having no intention of meddling in other people's private affairs. He swirled his glass, the ice cubes clinking crisply. Until the sudden increase in volume from the other end disrupted the soothing melody of the jazz music.

"Wanqing! Don't push your luck! Let me tell you, if you don't make things clear today and agree to come back with me, I'm going to your company tomorrow and have a good talk with your boss!"

The man's drunken threats sounded particularly jarring in the quiet bar.

Su Wanqing jumped to her feet, the chair legs scraping against the floor with a screeching sound. Her face was deathly pale, her chest heaving, and her voice trembled with rage: "Chen Hao! You shameless! How dare you!"

"You'll see if I dare!" The man named Chen Hao also stood up, taking advantage of his height and the alcohol, and reached out to grab Su Wanqing's wrist, his posture arrogant.