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

The phone call came sooner than Lei Guoliang had expected. Just after nine o'clock the next morning, a local Guangzhou number called, the voice warm yet restrained:

"Mr. Lei, good morning! I'm Chen Yongren, the sales director of Imperial View. I heard you're quite interested in our units at Imperial View?"

"Hello, Mr. Chen. My surname is Lei, and I just arrived in Guangzhou." Lei Guoliang said in a calm tone, "I'm interested in your two- and three-bedroom apartments, which are around 75 to 130 square meters. If the price is right, I might buy a few more."

"Want a few more sets?" Chen Yongren's voice chuckled even more. "No problem, no problem! Mr. Lei, are you free today to come downstairs and take a look? I'll personally show you around!"

"Around 3 PM."

At 3 PM, at the sales office of Dijingyuan. As described on the list, less than 30% of the units had been renovated; despite its luxurious decor, the place was deserted.

Chen Yongren personally greeted him at the door. He was in his early forties, dressed in a sharp suit, with a standard smile and shrewd eyes.

After viewing the model and showroom, Chen Yongren returned to the VIP room and personally brewed Dancong tea.

"Mr. Lei, what do you think of my territory?"

"The location and quality are both good." Lei Guoliang nodded, then changed the subject: "However, the total price is a bit high, and the sales performance doesn't seem to be ideal?"

Chen Yongren smiled wryly and said, "Mr. Lei is a sensible man. My land is great in every way, but the price is a bit high, the total price is high, and the market is... the company is under pressure to collect payments. If Mr. Lei is really interested, the price is definitely negotiable!"

"If," Lei Guoliang leaned forward slightly, looking calmly at Chen Yongren, "I'm not buying one or two units, but rather all 120 units remaining in your Building A, all high-floor, south-facing units ranging from 75 to 110 square meters, sold out in one go."

Mr. Chen, what's the most realistic price you can offer?

Chen Yongren's hand trembled, the teapot spout tilted, and hot water spilled onto the tea tray. He looked up sharply, staring at Lei Guoliang in disbelief: "One hundred and twenty high-rise apartments in one go?"

Mr. Lei, you're not joking, are you? Our development still has at least... three hundred-odd units that meet your requirements!

"I flew in from Beijing, no time for jokes." Lei Guoliang leaned back in his chair and announced the figures, "4800 per square meter. That's the actual transaction price. What does Mr. Chen think?"

"4800?!" Chen Yongren almost cried out, quickly lowering his voice, "Mr. Lei! Our costs alone are more than that! The average price now is 7500! This is a high-end development, you..."

"President Chen," Lei Guoliang interrupted him, his voice low but each word clear: "Costs are sunk costs, cash flow is what saves lives."

"4800, you can get 40 to 50 million in cash immediately. If you drag it out, the banks and other creditors will come knocking, and you might have to sell it for 3800 instead of just 4800. Think about that."

Chen Yongren's face turned deathly pale, and cold sweat broke out on his back. The other person's words had struck a nerve. His throat went dry, and after a long pause, he managed a hoarse voice: "Lei Sheng... isn't your price a bit too low?"

"My price is a bit low, but you definitely won't lose money," Lei Guoliang said, picking up his teacup and gently blowing on it.

"The important thing is whether my solution is the only one you can see right now that can quickly solve the problem. 4800 is the wholesale price; it's a lifeline. But there's one more condition."

"What conditions?" Chen Yongren's voice tightened.

"My buying method is different from that of ordinary people." Lei Guoliang began to outline the core plan: "The actual transaction price is 4800."

However, the contract price in my area is 7800. We'll go through a bank mortgage with zero down payment.

The appraised value must be 7800. After the bank releases the loan, you will return the difference to me. In addition, there will be a three-year management fee waiver, and your company will cover all taxes and fees incurred in all transactions.

He paused, looking at Chen Yongren's changing expression, and added the most crucial sentence: "As for how to communicate with the bank, how to handle the appraisal company, and how to package the loan applicant's materials, these are the problems you need to solve."

I only want one outcome: the loan approved as soon as possible, and the cashback deposited into my account on time. Every transaction must be completed cleanly and without any loose ends.

This is the premise for me to take over the property for 4800. If you agree, we'll sign a letter of intent now. If you don't agree, I'll go to the Star River Bay next door; I heard their boss is also in dire need of money.

Chen Yongren was completely stunned by this combination of tactics. Low price, high rating, zero down payment, cashback, all-inclusive fees... all the risks and operational pressures were thrown at him, but the temptations were just too great.

120 units, totaling over 10,000 square meters, at 4800 per square meter, would amount to nearly 50 million in cash! And that's based on the original sales price! Enough to make him proud at headquarters, and even accuse him of being a hero!

The accountant next to him had already pulled out a calculator and was frantically pressing keys, whispering quickly, "Mr. Chen, a 7% loan on 7800 is 5460, which is 660 more than 4800... The total cashback... is about fifteen or sixteen million. Our actual take-home pay is..."

A cashback of fifteen to sixteen million! Chen Yongren's heart was bleeding, but thinking of the daily nagging calls from headquarters, and the potentially even more terrible consequences...

"...Mr. Lei," Chen Yongren said, his voice hoarse as if he had used up all his strength, "this matter...is too big. I have to consult with Mr. Lin, the project manager from Hong Kong. He happens to be in Guangzhou tonight..."

"Okay. You can arrange a time and place. I'll wait for your reply." Lei Guoliang stood up, leaving behind the card with only his name and phone number printed on it.

"However, my time is very precious. I hope to hear good news tonight."

At 8 p.m., at a very private members-only Chaozhou restaurant by the Pearl River. The private rooms overlook the river, quiet and elegant.

Lei Guoliang met Lin Zude, the real person in charge of Dijingyuan.

He looked to be around fifty years old, wearing a high-quality dark polo shirt, with a discreet Patek Philippe watch on his wrist. His hair was neatly combed, and his eyes held the shrewdness and scrutiny characteristic of Hong Kong businessmen, but he couldn't hide a hint of fatigue.

"Lei Sheng, you are a promising young man." Lin Zude personally poured tea and got straight to the point: "Aren told me about your plan."

"4800, that's too much. 5500, that's my bottom line. As for what happens next..." He paused, his gaze sharp as he looked at Lei Guoliang, "The risk is too great."

Changlong is a legitimate listed company; we cannot leave any loose ends.

"Mr. Lin, 5500 is too high. I can add 200 for you, 5000, no more than that."

"If you sell to ordinary homebuyers, even with an 8% discount, it's only about 6000. I buy 120 units from you and give you 5000 each, which is a wholesale price. It's not unreasonable, is it?"

Lei Guoliang made a slight concession to show his sincerity, but his tone remained firm: "However, the subsequent operations are the only key to completing this transaction in the shortest possible time and in the most favorable manner for your company."

"Mr. Lei, how can you guarantee that the bank and the assessment will definitely get the results we want?" Lin Zude asked, voicing the core concern.

"It depends on your influence in Guangzhou and even the provincial branch, Mr. Lin, and how much reasonable cost you are willing to pay for this life-saving money."

Lei Guoliang bluntly stated, "If Lin Sheng cannot do it, then this deal may not be possible."

But this doesn't mean I've lost anything. I can just look for another property.

He passed the buck back to Lin Zude, while also clarifying the boundaries of responsibility: I'm only responsible for buying the house; as for how to sell it to me, that's up to you.

Lin Zude silently sipped his tea, his fingers lightly tapping on the mahogany table. Only the soft clinking of porcelain and the faint sound of the river could be heard in the private room.

After a long while, he put down his teacup and looked at Lei Guoliang.

After a long pause, he extended his hand and said, "We can cooperate."

Lei Guoliang shook hands with him, his grip firm and steady: "It's been a pleasure working with you, Mr. Lin."

Leaving the restaurant, a river breeze brushed my face, carrying the smell of fishy water and the distant sounds of the city.

Sitting in the car, Lei Guoliang rubbed his temples. Although the deal was done, he didn't feel relaxed.

The properties are just the first step. To efficiently operate these assets, which will be worth hundreds of millions in the future, in Guangzhou, requires a person.

A person who can take root here, grow here, and firmly guard this land for him.