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

"No, we offer a cashback of 124000 yuan per unit, but the bank can only lend you 70% of that amount. We, the developer, will give you 10% as a bonus, but you still need to pay the remaining 20%," Chen Lifeng suddenly added.

"Based on the actual transaction price of 4800 yuan per square meter, a 62-square-meter apartment would cost 297600 yuan in total. Multiplying that by 20% would give you 59520 yuan."

Therefore, the actual cashback should be 124000 yuan, minus 59520 yuan, which equals 64480 yuan cashback per property.

Lei Guoliang was taken aback by the result, but after thinking about it carefully, he felt that it seemed to make sense.

Lei Guoliang thought for a moment and asked, "Based on this calculation, what would 70% of the total price be? And with a 30-year mortgage, what would the monthly payment be?"

As Chen Lifeng held the calculator and typed, he said, "Based on a price of 6800 yuan per square meter, and with each apartment being 62 square meters, the total price would be 421600 yuan. Multiply that by 70%, and it equals 295120 yuan."

"For a 30-year mortgage loan, the current interest rate is 4.2%. Let me calculate based on a loan of 30 yuan. The monthly payment would be a little over 1400 yuan, which is less than 1500 yuan."

"If you rent it out, you can easily make 2000 yuan a month, which means you can earn an additional 500 yuan a month."

"However, I suggest you choose a 20-year mortgage loan. That way, the interest will be almost half, and the monthly payment will be less than 1900. If you rent it out for 2000 a month, it can completely cover the monthly payment."

Manager Chen's suggestion is correct. If an individual is only buying one or two properties, then it is naturally the best option, as it can save a lot of interest money.

But Lei Guoliang has bigger ambitions. His goal is not just these twelve houses, but he may buy more than ten times that in the future.

"Okay, then let's do it your way. We'll pay 64480 yuan per house, and the loan term will still be 30 years," Lei Guoliang said decisively.

Compared to the increase in housing prices four years later, Lei Guoliang didn't care about paying this extra bit of interest.

If we can reduce our monthly mortgage payments a little, then we should reduce them.

He earns 500 yuan in rent from one property, so 100 properties would earn him 5 yuan, which would be enough for him.

Chen Lifeng immediately stood up and said, "Xiao Ji, right away! Get all the south-facing apartment numbers on the mid-to-high floors of buildings 12 and 15, and let Mr. Lei choose first!"

Also, notify the loan department to immediately prepare two sets of bank documents, six sets for each bank, and process them simultaneously!

Ji Fanyin's mind went blank, filled only with excitement and nervousness. She quickly nodded and said, "Okay... okay, Manager Chen! I'll take care of it right away!"

After selecting twelve apartments, all purchase contracts and rental agreements were successfully signed.

After buying twelve apartments, it's natural to rent them out immediately. Renting them out through the sales office is very convenient and saves me the trouble of figuring out how to rent them out myself.

In the current market, houses are a bit hard to sell, but they're easy to rent out! More and more people are flocking to Shenzhen, making it difficult to find rental properties.

Especially for small apartments with two bedrooms and one living room, the rent is relatively cheap.

For larger apartments with two or three bedrooms, the rent would be quite different.

By the time I left the sales office, the city lights were already on.

Ji Fanyin saw Lei Guoliang out, her face beaming with undisguised joy, her mind racing as she calculated how much commission she would receive.

Twelve houses, at the actual transaction price, each house is worth nearly 300,000 yuan. At a commission rate of 0.6%, each house would be worth about 1800 yuan. Twelve houses would be worth more than 20,000 yuan.

This one order this year is enough for her to earn a year's income, so Ji Fanyin is naturally very happy.

"Brother Lei, thank you so much for today. If it weren't for you, I almost wouldn't have made it through," Ji Fanyin said happily.

"Really? So how do you plan to thank me?"

Having signed purchase contracts for twelve houses without spending a single penny, Lei Guoliang was in a very good mood and couldn't help but joke around, teasing the young girl in front of him.

Before his rebirth, Lei Guoliang's children were all several years older than Ji Fanyin.

"Then when I get my commission, I'll treat Brother Lei to a meal, okay?" Ji Fanyin said.

"Why wait until later? Can't we do it now? It's dinnertime right now," Lei Guoliang continued to tease.

"I don't have much money right now, unless...!"

Ji Fanyin felt quite embarrassed and hesitated before speaking.

Lei Guoliang bought twelve houses through her, earning her a commission of over 20,000 yuan. It was only right and proper for her to treat him to a meal.

But I really didn't have any money to treat him to a meal.

"Unless what?" Lei Guoliang asked.

"It's nothing. How about I buy some groceries and cook for you at home? I only have a few dozen yuan on me," Ji Fanyin said.

"You can cook? How's your cooking? Is it delicious?" Lei Guoliang asked.

"Do you eat spicy food? I only know how to cook Sichuan cuisine. I learned it from my dad. My dad is a chef. He runs a small Sichuan restaurant in our hometown county," Ji Fanyin said.

"My dad says my cooking is better than his."

"Sichuan cuisine! I quite like it too, but it's hard to find authentic Sichuan food here," Lei Guoliang nodded and said.

"My Sichuan cuisine is definitely authentic. Let's go to the market to buy vegetables now; it's cheaper to buy vegetables at this time of year," Ji Fanyin said with a smile.

"You're really planning to invite me to your house for dinner? Aren't you afraid I'm a bad person and you'll be letting a wolf into your house?" Lei Guoliang couldn't help but say.

He was just joking around, he never really expected her to treat him to a meal, let alone go with her to eat at her rented apartment.

"How could you be a bad person? It's just that my place is a bit small and messy. I share an apartment with my cousin. I don't know if you'll mind," Ji Fanyin said.

"I'm still living in the factory dormitory! What's there to mind? Isn't this how it is when you work outside?" Lei Guoliang shook his head and said with a smile.

"But never mind, I was just joking with you, I didn't mean for you to treat me to dinner."

"It doesn't matter who I buy the house from or who I give the sales commission to. It's the same whether I run into you or someone else today."

"So I'm not helping you, you're just lucky, and you don't need to thank me."

Lei Guoliang was telling the truth; he hadn't deliberately chosen anyone, he just happened to run into Ji Fanyin.

Even if he didn't run into Ji Fanyin, he would have encountered other people who stopped him to sell house posters and promote their properties.

Ji Fanyin was anxious: "How can that be! You gave me this luck, so I must treat you to a meal! Today, I still have enough money to buy groceries!"

"Otherwise...otherwise I won't feel at ease taking this commission." Her eyes were stubborn, with a kind of obstinacy and simplicity that belonged to her age.

Seeing her serious expression, Lei Guoliang's heart stirred slightly.

In his original plan, acquiring these twelve houses was only the first step.

I'll definitely continue buying houses in the future. I need to seize this great opportunity now, or I'll miss it and regret it later.

You can buy a house without spending a penny. How can you miss such a good deal? Hurry up and buy dozens more.

In the future, he will need to handle things like taking possession of the property and dealing with potential rental issues. He can't do everything himself, so he will eventually need a reliable person who can stand by his side.

This simple-minded, grateful girl, who happens to be working on the front lines of real estate sales, may be a candidate worth observing and nurturing.

Inviting someone to dinner is a small matter, but through this meal, one can naturally build a closer relationship, learn about her character and family background, and see if she is worth the next step of trust investment.

Thinking of this, Lei Guoliang's smile softened a bit: "Alright, since you insist, I'll respectfully comply."

However, he changed the subject: "I'll pay for the groceries. You provide the cooking skills, I'll provide the ingredients—it's fair and reasonable. Besides, I have quite an appetite."

"How can that be! It was agreed that I would treat..." Ji Fanyin wanted to argue.

"Stop arguing, let's go. If we wait any longer, all the good vegetables in the market will be sold out," Lei Guoliang said.

Where do you live? Which side is the market?

Ji Fanyin looked at Lei Guoliang, bit her lip, and finally walked quickly towards the bus stop, thinking to herself that once she got her commission, she would definitely treat him to a proper meal again.

The two walked to the bus stop one after the other, and soon squeezed onto a bus.

It's rush hour now, and the buses are packed with people.

Lei Guoliang subconsciously spread his arms, making a loose circle around Ji Fanyin's side, trying to create some space for her so that she wouldn't be squeezed too much by others.

However, the constant influx of passengers rendered this effort futile.

The two were squeezed so close that they could feel each other's warm breath. Their bodies inevitably rubbed and touched each other gently as the vehicle swayed and the crowd pushed and shoved.

The young body was enveloped by soft touches and a faint, sweet fragrance, and certain reactions were almost instinctive and hard to suppress.

Lei Guoliang smiled bitterly to himself, cursing the vigorous 25-year-old body in his heart, while trying to move backward to create some distance.

But every time he retreated a little, the crowd behind him pushed Ji Fanyin even closer. After several attempts, the two were actually pressed even more tightly together.

He felt the girl's body stiffen slightly, her head drooping, her ears burning red, but she didn't push him away.

He could also feel the strangeness in his body; the girl's body gave him a soft touch.

Without her noticing, during another sudden stop and the force of inertia, Ji Fanyin cried out softly. To maintain her balance, she instinctively reached out and hugged Lei Guoliang tightly, resting her head against his shoulder.

The posture looked as if the two were embracing tightly.

Lei Guoliang stiffened for a moment, then relaxed. He could feel the girl's hands trembling slightly as she held him, and her breathing was a little unsteady.

He didn't try to create more distance; he simply pulled his arms closer together, creating a relatively stable little space for her, trying his best to use his body to resist more pressure.