Start with buying a house

Chapter 23 Two More Houses Added

"How do we prove this? How about we deposit a few million in your bank account, can you prove our repayment ability?" Xi Weixing said anxiously.

In fact, she wanted to take over Jinjiang Garden, but she also didn't want to take up too much cash. Naturally, the more money she could lend, the better. After all, the more cash she had on hand, the more secure she felt.

As for how much money I owe the bank and how much interest I have to pay, anyway, I already owe tens of millions to the bank now. It can be said that the debt is not overwhelming, and I am immune.

And Ouyang Dehe predicted that the housing price of Jinjiang Garden may double in one year, which makes Xi Weixing very much want to take them all.

No matter how rookie Xi Weixing is, he knows that the house in Jinjiang Garden will not go up sharply after a year, at least it will not depreciate in value. No matter what you say, a house of [-] yuan is not that expensive, and there is no price reduction. of space.

"Of course that's fine. If you can have several million deposits in your bank account, the bank will give you a loan with more confidence. This will give you a lot more room to maneuver, and it is possible to lend [-]% of the money." Huang Yan nodded and said.

"However, the millions in your bank account will also be subject to the supervision of the bank. You can't say that you just got the loan and immediately transferred all the deposits in the bank account."

"How is that possible? We save millions, sit there in the bank account unable to move, and then borrow millions from the bank. Isn't that a waste of money? We can just use our own money, and we can't pay back the loan. ." Xi Weixing immediately exploded and said hurriedly.

"The bank only supervises the movement of funds and does not restrict your use of funds for investment, but the bank needs to know where your funds flow and what they are used for." Huang Yan explained.

"If I open a securities account, can I invest in the stock market? Will the bank limit it?" Ouyang Dehe said suddenly.

"Stock trading is also a legal wealth management product. As long as you choose our bank as the escrow account, there will be no problem." Huang Yan said.

"Then there is no problem, let's transfer 800 million first!" Ouyang Dehe said very simply.

As long as it doesn't affect his future plans to make money, he doesn't mind accepting bank supervision.

He has already decided to enter the stock market, and the bank escrow account he chooses is the same, there is no difference.

"Eight million! It seems like you are really a wealthy couple!"

"By the way, Xi Weixing, don't you choose my brother Deming as your husband because he's a rich man? Why couldn't I see before that you like brother Deming a little bit?"

Huang Yan said with a bit of sourness in her heart. Brother Deming was the prince charming in her heart, but now he has become someone else's husband, especially the husband of Xi Weixing, a classmate with whom she has some problems.

However, knowing that Ouyang Dehe has become very rich, and she can spend 800 million casually, she is still very happy for her brother Deming, which proves that her original vision was still very good , one can see Ouyang Dehe's extraordinaryness at a glance.

"Hey! Huang Yan! You take a word of virtue and brother, shouldn't you call me sister-in-law? This doesn't seem like a polite little sister!" Xi Weixing said with a teaser.

"You didn't get a marriage certificate, so why should you call you sister-in-law?" Huang Yan gave the other party a white look, and said very dissatisfied.

"Call you sister-in-law, if one day you abandon me and my brother, wouldn't it be too bad for me?"

"Do you think it's too much of a loss? I'm afraid you are looking forward to such a day in your heart?"

"But don't worry, you can't wait for that day, so you will never have that chance."

Xi Weixing didn't understand why, but she fell in love with fighting with Huang Yan, or maybe subconsciously, she became wary of Huang Yan.

As a woman, she understands a truth very well, it is very difficult for a man to resist the active pursuit of a beautiful woman.

The current Huang Yan, in the eyes of Xi Weixing, is enough to be called a beauty, even a little prettier than her, at least she has flesh on her body, making her look a little plump.

Xi Weixing felt that her figure was a little thinner and not plump enough, and men preferred plumper women.

"That's not necessarily the case. Just because you won't leave Dehe, doesn't mean that Dehe will never leave you!" Huang Yan retorted angrily.

"Okay, don't talk too much, do you think I don't exist?" Ouyang Dehe couldn't stand it anymore, so he quickly stopped.

After transferring 800 million to Huang Yan's bank and opening a securities account, as long as he signed a house purchase agreement with Jinjiang Garden, he could submit a loan application to Huang Yan's bank.

Lin Gaojin also happily signed the agreement, 150 suites, and the ten shops in the middle, with a total price of [-] million yuan.

One of the suites was given as a gift. In addition, the shop with an original price of 8 yuan was also calculated as 5000 yuan, and the last fraction of 5 yuan was directly waived.

The developer Lin Gaojin, who has already earned 600 million yuan, was very happy with this deal, so he generously gave Ouyang De and them a lot of discounts.

Just one year later, after seeing the house price soaring, I don't know if he is still happy.

In fact, in the life before Ouyang Dehe was reborn, after Lin Gaojin paid off his bank debt, most of his houses were sold for 12 yuan a year later.

Although it took a year, it was really a huge profit.

It's a pity that in this life he met the reborn Ouyang Dehe and gave him the profits he should have made, and he was still thanking him in his heart.

Under the favorable conditions of 800 million yuan in the account, under Huang Yan's lobbying, he finally got a loan of 800 million yuan from the bank for a period of one and a half years.

Although I failed to get [-]% of the loan, according to the commercial loan, with the real estate as collateral, it is very good to get [-]% of the loan. After all, this is not just buying a house alone.

These houses will not apply for real estate certificates, but Ouyang De and they will directly apply for real estate certificates for the buyers when they sell them to the outside world.

These have been notarized and authorized by Lin Gaosheng's real estate development company. Lin Gaosheng's real estate development company will be obliged to cooperate at that time. From Ouyang De and them, the buyers who buy the house will handle the real estate. certification matters.

In this way, Ouyang De and they can save a lot of real estate deed tax.

If they apply for the real estate certificates for these more than 200 houses now, if they transfer the ownership at that time, because the time is only more than a year, the deed tax will be relatively heavy.

The key is that not only do they have to pay a large amount of real estate deed tax now, but when the time comes to sell it, it will still be a second-hand housing transaction.

This is like a man and woman receiving a marriage certificate. The two people are innocent, but they immediately go to the Civil Affairs Bureau to go through the divorce procedures the next day. If they want to get married in the future, it will become a second marriage.

After more than 200 houses were obtained, Ouyang Dehe said to Xi Weixing: "In the second half of next year, a real estate development company should be registered in Ruiyang City, and the land will be stockpiled for a few years, and the houses in Shenchuan City will be sold. After that, we will start developing and building houses.”

"We only have more than 500 million in hand, and we are supervised by the bank, and we are going to open a real estate agency in Shenchuan City, and then open a real estate development company in Ruiyang City. Are we busy enough?" Xi Weixing said uncertainly .

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(End of this chapter)