Film and television drama writing assistant

Chapter 288 Rent Instead of Buying
When they came to the real estate office area of ​​Grand Hyatt Mansion, Meng Donglai made a phone call first, and Zhong Xiaoqin walked out of it quickly.

She works in the marketing department, and renting a house is generally the responsibility of the service department, so Zhong Xiaoqin also helps out while looking for her.

Meng Donglai was brought in by her and handed over to a colleague surnamed Liu.

"Mr. Meng, my colleague will take you to see the house next. Our marketing department has a lot of work today, so I won't accompany you."

"Okay, go get busy." Meng Donglai nodded.

"Mr. Meng, let's talk as we walk."

After Zhong Xiaoqin left, the service department employee surnamed Liu immediately took over the reception work.

Probably because of Meng Donglai's clothes today, this female employee in her 20s has a very good attitude towards Meng Donglai.

"You are the first person here to come here to consult about renting a house. There has never been a precedent before. The rent is really too expensive."

"Really?" Meng Donglai agreed.

"There are some owners who stay out of town all the year round and come back to live occasionally, so they will put a key in the property and let us arrange regular cleaning and maintenance of the house. After Sister Xiaoqin told me about it, I called and asked about it. There are really people who are willing to rent out." The employee surnamed Liu continued to introduce.

"It seems that the epidemic has made everyone short of money." Meng Donglai chuckled.

"Maybe, but they have a lot of demands, and the rent is expensive. After that, you still need to make a video call with the owner."

"These are all fine, let's look at the house first."

Meng Donglai now spends most of his money on making his first pot of gold in the stock market, so he chooses to rent a house. After a period of time to recover, he will choose to buy the house he is renting now.

At this point, he does need to have a video call with the owner.

"That's good."

Next, Xiao Liu took Meng Donglai to see a set of Donghu on the 8th floor. The area is more than 300 square meters, and the decoration is relatively simple. It seems that the owner of this household is a relatively nervous type in this community. Of course, It is also possible that this house was purchased by someone else, and they did not intend to live in it at all.

The investment properties of houses in first-tier big cities are always the best. Looking at the top cities in developed countries, we can know that no matter how the housing prices of second-tier, third-tier and small towns drop, the housing prices of first-tier and super-tier ones will always rise steadily.

Even if there is an economic crisis, the housing prices in these places will go up even more crazy.

The second set is located on the 13th floor, west door. It is similar in size to the one on the 8th floor, but this set is better decorated.

"There is also a duplex above. That set is too big. Shall we go see it?"

Seeing that Meng Donglai kept silent, Xiao Liu was a little uncertain about his thoughts.

"Go and have a look." Meng Dong said back and forth.

"it is good."

The two came to the 29th floor again. The houses on this floor are all duplexes, occupying the 29th and [-]th floors.

Above that is the top floor, a three-story duplex.

"This set of east houses is transparent from the north to the south, and the view is very good. Look at the river view, and you will definitely feel very good when you wake up and see this view every day." Xiao Liu stood at the French window in the living room and looked out, speaking clearly Out of boundless envy.

"It's really good." Meng Donglai quickly looked at the upper and lower floors.

The decoration of this set can be considered luxurious, but the furniture and appliances used are ordinary high-end brands. There is no ultimate luxury like a sofa that costs millions.

Meng Donglai made a rough estimate. This house has an upper and lower floor of more than 600 square meters. The house price is estimated to be around 8000 million, and the decoration cost is only about 500 million, including furniture and appliances. It will not exceed [-] million.

Compared with the price, this decoration is nothing.

"What about the rent for this set?"

"The owner means that the rent-to-sale ratio must reach 1:600." Xiao Liu looked at Meng Donglai and replied with some embarrassment. This price is very expensive.

The rent-to-sale ratio refers to the ratio between the monthly rent per square meter of usable area and the house price per square meter of building area.

国际上用来衡量一个区域房产运行状况良好的租售比一般界定为1∶300~1∶200。如果租售比低于1∶300，意味着房产投资价值相对变小，房产泡沫已经显现；如果高于1∶200，表明这一区域房产投资潜力相对较大，后市看好。

Whether the rent-to-sale ratio is higher than 1:300 or lower than 1:200, it indicates that the property price deviates from the rational and real property value.

To put it simply, regardless of other circumstances, if the annual interest rate exceeds 6%, as long as the rent-to-sale ratio of the house exceeds 1:200, it is not cost-effective to buy a house.You have 100 million yuan on hand, and the interest income alone is 6 yuan a year. If you buy a house, if the monthly rent is less than 5000 yuan, it is naturally not worthwhile.

However, this standard is very inappropriate in China.

Because the income from buying a house in China is not only the rent, the rent is only a small part, and the bulk of the income comes from the increase in housing prices.

The country is in a state of rapid development, and the increase in house prices is very high. This part of the income will make house buyers much more tolerant of the rent-to-sale ratio.

In places like Beijing, Shanghai, Guangzhou and Shenzhen, the rental-to-sale ratio exceeds 1:600 ​​everywhere.

The more high-end a property is, the more terrifying the rent-to-sale ratio is.

The 1:600 ​​that Xiao Liu mentioned is definitely not the owner’s bottom line. It is an offer that demands high prices and pays back on the spot.

With a housing price of 8000 million yuan, if the rent-to-sale ratio is used, the monthly rent will exceed 13 yuan, and the daily rent will exceed 4000 yuan. With this money, it is enough to go to an ordinary five-star hotel to rent a presidential suite for a long time.

"Contact the owner, I'll chat with him." Meng Donglai said to Xiao Liu.

"Isn't this bad?" Xiao Liu was a little embarrassed. After all, such a super rich owner has a bad attitude.

But Meng Donglai's attitude was very persistent.

Just now, Yudu had introduced the owner's situation to him, and he belonged to the kind of owner who was in urgent need of money, so he rented out his house.

In fact, his apartment has already been mortgaged in the bank, and now he is renting it out just to make more money.

Seeing that Xiao Liu was still hesitating, Meng Donglai directly took out a red envelope and handed it to her.

"I don't blame you for the success, this is your personal reward."

Xiao Liu was taken aback. He turned his head and looked around, and found that the two of them were standing in the dead corner of the monitoring. He also looked at the thickness of the red envelope, and estimated that it was at least half a month's salary of hers. After hesitating for a while, he took it .

The video call was connected quickly.

After Xiao Liu handed her mobile phone to Meng Donglai, she tactfully walked to the side.

"Hello, Mr. Li."

"Hello, your surname is Meng, right?"

"Yes, Meng Donglai."

"What, are you really going to rent my house?" Mr. Li looked surprised that someone actually spent so much money on renting a house these days.

"Is Mr. Li willing to sell this house?" Meng Donglai asked instead of answering his question.

"Are you going to buy it?" Mr. Li frowned, looked at young Meng Donglai, and looked at his upper body clothes leaked in the video. He didn't look like someone who could afford such a house.

"I have this idea, but it depends on whether you plan to make a move." Meng Dong replied back and forth.

Mr. Li did not answer immediately.

Only 70% of the housing price of his house was mortgaged in the bank, and the total housing price was calculated based on 5400 million yuan, which means that after the mortgage of this house, he only borrowed less than 3800 million yuan. Compared with the current market value of more than 8000 million yuan, even half nothing.

If he can sell it, he can not only repay the bank loan, but also have more than 4000 million available funds in his hand, which can quench his thirst for his current situation.

"Can you afford the down payment?" Mr. Li asked.

"I'll buy it in full." Meng Donglai's answer was a little rich.

"I didn't expect the little brother to be so powerful."

"However, I have a request here."

"what?"

"I have to wait until the end of the year to take out the money for the house purchase, so can it be rented for sale in advance?" Meng Donglai asked.

"Lease for sale?" When Mr. Li heard this, his first reaction was whether this kid was up to something.

"The rent is as you said. I don't bargain, but we have to sign a rent-for-sale agreement. If I pay the purchase price before the end of the year, the rent already paid will be included in the house payment. If I can't pay, the rent It’s just the rent,” Meng Donglai introduced.

"What good does this do to me?" Mr. Li looked at Meng Donglai, doing it again and again, but he didn't get much. He even got a house sale agreement with the price calculated half a year in advance.

"If you sell this house to someone else, it will take them two or three months to pay the down payment and the bank to provide the loan. Now there are only more than five months left before the end of the year, so the time is not much different."

"It's still money after two months. Putting it in the bank for interest is enough for the rent." Mr. Li retorted.

"That's true, but if you look for other buyers, you may not be able to find one in half a year." Meng Donglai said.

"I didn't intend to sell it at all." Mr. Li's words were equivalent to flipping the table.

"I can pay the rent with a rent-to-sale ratio of 1:200." As soon as Meng Donglai said this, Mr. Li's attitude changed immediately.

"200? That's 40 a month."

"That's right, it's 40." Meng Donglai nodded.

"It seems that you really plan to buy it." Mr. Li asked curiously: "You are so young, but you can spend so much money all at once. I would like to ask, what do you do?"

"Financial industry." Meng Dong replied.

"You are young and promising. But since you are in the financial industry, won't you be able to generate more money if you keep the money in your hands? Why did you pay the full amount all at once to buy a house?" Mr. Li asked again.

This..., it is impossible for Meng Donglai to tell him that he has a jade document, and after half a year, the amount of capital is meaningless.

And now that all countries in the world are releasing water, the housing price will definitely rise a lot in half a year. He just doesn't want to rent the house for a few months, the owner sells the house, and he has to move again.

"I have my own considerations for asset allocation." Meng Donglai said perfunctorily, "How? I really plan to buy this apartment."

"What about house prices?" Mr. Li asked.

"8000 million." Meng Dong replied.

"Too little, not to mention the market price half a year later, as far as I am concerned, my house is more than 8000 million." Mr. Li shook his head.

"There is a price but no market. In the current economic situation, investing in your apartment is not as good as investing in dozens of small apartments. Only people like me who really intend to improve their living conditions will consider buying this super-large apartment. .”

"8000 million is too little. This price is simply impossible. I would rather keep it in my hands and wait for appreciation."

"Then how much did you say?"

"9000."

"..."

After some bargaining between the two, Meng Donglai knew that Mr. Li on the opposite side was short of money, so he held it firmly. In the end, the two negotiated a price of 300 million yuan.

"Tomorrow, I will ask a lawyer to come over and sign a contract with you. You should prepare half a year's rent in advance." Mr. Li reminded.

"No problem, let's make it clear in advance that the penalty for breach of contract is 30% of the rent, which is 400 million. You should explain this clearly to the lawyer in advance." Meng Donglai also reminded.

In fact, he wants to set a higher liquidated damages, but the law only recognizes 30% of the actual loss, otherwise the court or arbitration institution can reduce it according to the request of the parties.

"can."

The two left each other's contact information before hanging up the video call.

Meng Donglai called Xiao Liu over.

"It's done. I will sign the rental contract with Mr. Li tomorrow. Thank you this time."

"It should be, if you rent the house here, you will be our service target from now on, and I will be involved in advance." Xiao Liu secretly counted it just now, and there is 5000 yuan in the red envelope, which is considered a big deal.

But compared to Meng Donglai, he also saved a lot of agency fees.

"How much do I need to pay for your property?" Meng Donglai asked.

Generally, the owners of the community will entrust the property management company to help show the house, and the tenants will also need to give a part of the money to the property management team, but this money will be lower than the normal intermediary fee.

"We don't have such a precedent here, and I don't know very well." Xiao Liu was stopped by the question.

She didn't expect that today would be so smooth, and she had already taken the money, and her hands were soft.

"Go back and ask, don't make things difficult for you." Meng Donglai said.

"Thank you, Mr. Meng, do you need any help from me in the future?" Xiao Liu asked.

"no need."

Xiao Liu understands that the two parties have already exchanged contact information, and now it will be difficult for the property owner to ask the lion to open his mouth.

After returning to the property, Xiao Liu reported to the supervisor. The supervisor heard that the two parties had been in contact, and gave Xiao Liu a word. Finally, after thinking about it, he set a service fee of 1 yuan.

Generally, the intermediary rents a house, and the intermediary fee is one month's rent, and the property cost [-] is not too much.

After sending the price to Meng Donglai, Xiao Liu immediately contacted Zhong Xiaoqin.

"Sister Xiaoqin, your friend is so rich, you actually chose the duplex on the 29th floor."

"Really? We are just ordinary friends. I don't know that he is so rich. How much was the rent of that suite?" Zhong Xiaoqin asked curiously.

"I don't know about this. Your friend and the owner discussed it themselves. But according to my previous communication with the owner, it will be at least 10 yuan." Xiao Liu guessed.

"10 yuan! Common people like us really can't understand the life of rich people. It's not good to do something with so much money. It's too extravagant to rent such a big house." Zhong Xiaoqin sighed.

"No, if I have so much money, I can buy a set for myself with a down payment." Xiao Liu is a foreigner. After graduation, he drifted in Shanghai for more than a year, and now he has nothing.

Her appearance can only be regarded as pretty, and it is too difficult to find a local aborigine with a house and a car.

"That's right, oops, let's not talk, I'm calling." Zhong Xiaoqin looked at Meng Donglai who had a note on the caller ID, and knew that it should be to thank herself.

Hang up the call with Xiao Liu and connect with Meng Donglai.

"Hello, Mr. Meng."

"Ms. Zhong, you are a little older than me, so call me Xiaomeng."

"Then you can also call me Xiaoqin."

The two exchanged polite words first, and then Meng Donglai began to express his thanks.

"Let me treat you to a meal, because of your relationship, I saved a lot of agency fees."

"Really? But you don't need to eat. This is my job." Zhong Xiaoqin politely refused.

(End of this chapter)