Start with buying a house

Chapter 3 Signed the house purchase contract (new book asks for everything)
The people in the sales office basically live on the sales commission, and the sales manager is no exception. He sold ten houses at once. As a sales lady, he gets a lot of commission, but as the manager of the sales office, the commission is also the same. Quite a few, so Wu Xinhua, the sales manager, is in a very good mood at this time, so it's not surprising.

Ouyang Dehe only needs to pay a deposit of 10 yuan for the purchase of the house. The developer is responsible for the rest of the procedures. The bank agrees to lend the money, and the house purchase is considered successful. At that time, a formal purchase contract is signed.

If you can't get the mortgage loan, the house purchase will naturally not be considered successful. Of course, the 10 yuan will be returned to Ouyang Dehe.

However, since the developer dared to agree to this business, of course he was very confident and went from the bank to the mortgage.

Moreover, according to Ouyang Dehe's request, the appraised price of these ten houses sent to the bank must be a [-]% premium to ensure that Ouyang Dehe can still have money left after all the procedures are completed. An extra [-] to [-] yuan for a flat is enough to cover the mortgage for the first half of the year.

After all, if the house is vacant for two months, at least there is room for turning around.

After negotiating the terms and going to see the selected house, signing the purchase contract, copying the ID card, and swiping the bank card to transfer the money, it is considered that the preliminary procedures have been completed.

After that, I waited patiently for the news from the bank. After the bank agreed to approve the loan, it still depends on how much housing loan the bank finally approves. If the approved loan amount reaches the applied housing loan amount, the house purchase will be considered a success.

Under normal circumstances, the bank will basically approve the full amount based on [-]% of the appraised price, but it does not rule out that there will be some fluctuations.

For example, if you applied for a mortgage of 70 yuan, but the bank only approved 65 yuan, it was because the bank felt that the assessed price was too high and adjusted the amount in order to reduce the risk.

However, there is more than one bank. If one bank fails, another bank may pass. This is also a normal thing. There is also business competition among banks. I will pass with one eye open and one eye closed.

After the bank approves the funds, Ouyang Dehe still needs to show up and sign for confirmation when going through the procedures of real estate transfer and notarization.

At this time, there is no restriction on buying a house, and there will be a purchase restriction in the future. It is absolutely impossible for one person to buy ten houses at the same time, unless it is a group purchase in the name of the company.

And even if you are very rich and don't need to find a bank loan, it is equally impossible. A person with a local account in Shenchuan can only buy a second house at most, and a non-Shenzhen account can only buy one house.

Moreover, those who do not have a Shenzhen hukou must provide proof of working in Shenzhen for more than one year, such as proof of social security payment and personal income tax payment, otherwise you will not even be eligible to buy a house.

Houses are for living in, not for speculating, this saying is not just words.

But now it is 2003, and there are still seven years before the promulgation of the purchase restriction policy in Shenchuan City.

After finishing the work in Golden Years, Wu Xinhua, the manager of the sales office, after knowing that Xi Weixing and Ouyang De are from the same hometown, and they are eight years old classmates, took the initiative to let Xi Weixing take leave and let her accompany the old classmates. Go out and hang out.

The two found a restaurant nearby and ate and chatted together, recalling what happened when they were classmates in the past eight years, and also chatting about the current situation of the classmates.

Shen Chuan said that he was not big, but he was not small. There were several classmates who worked in Shen Chuan, but they lost contact with each other.

In the past, it was not popular to use mobile phones, nor was it popular to use QQ, and WeChat was even less popular. Even pagers have only become popular and become popular in the past few years.

However, with the popularization of mobile phones, the price became cheaper, and with the launch of PHS, the pager business also began to gradually escape and gradually disappeared.

Although the classmates basically know the basics and know the village where the other party lives, but they really can't get in touch outside, unless they go to find out and ask people from the classmates' hometown to find out.

Just like Xi Weixing and Ouyang Dehe, they both know that the other is in the same city as themselves, unless they meet like today, they will not go out to find each other.

Ouyang Dehe didn't know whether Xi Weixing had thought of going to find Ouyang Dehe.

But Ouyang Dehe really had the urge to find Xi Weixing, after all, she was the goddess he had a crush on when he was young.

But he was also embarrassed, ran to her home to look for her, and didn't dare to ask her father for the detailed address and contact information of her work in Shenchuan.

Ouyang Dehe was very happy to be able to meet by chance today, unlike when they met and didn't speak when they were studying, now the two seem to talk about everything.

Unlike Ouyang Dehe, Xi Weixing went to high school for three years after starting his career in China. He also learned computer typing. When he went to Shenzhen, he joined a company run by the boss of Xiangjiang, where he was responsible for answering calls and other secretarial work.

But the good times didn't last long. The boss of Xiangjiang saw that Xi Weixing was young and beautiful, with a slender and tall figure, so he wanted to adopt her and let Xi Weixing be her second daughter.

Of course Xi Weixing refused, and was so frightened that he didn't even ask for a month's salary and ran out of the company.

After that, she changed jobs a few times, but she was helpless where she seemed to be a bright pearl, always attracting some people, who wanted to get her, which annoyed her very much.

I heard people say that selling a house is very profitable, and the commission for selling a house can be several thousand yuan. In Xi Weixing's opinion, even if he only sells one house a month, it is much better than working part-time.

At this time, the salary of factory clerks in Shenchuan City was less than 1000 yuan, and the minimum wage for ordinary assembly line workers was only 600 yuan inside the customs, and even lower at 460 yuan outside the customs.

The days on the assembly line, working twelve hours a day, the wages are less than 1000 yuan.

The commission for the sale of a flat is calculated at 50 yuan, and there are two to three thousand yuan, and the commission for sales girls is usually between three thousandths and six thousandths.

Calculated in this way, the money earned by the sales lady is naturally much better than that earned by working in a factory.

It's just that I didn't expect that after the epidemic, the property market in Shenchuan City would be hit hard, and it would be difficult to sell houses at a discount.

Xi Weixing worked in the sales office for two months, but he didn't even sell a house.

Xi Weixing heard some news that some experienced sales girls, in order to sell the house, even went so far as to seduce the clients who saw the house.

Xi Weixing originally planned that if he couldn't sell another apartment in the next two days, he might as well go to work in a factory honestly.

Fortunately, I met Ouyang Dehe today, and fortunately, Ouyang Dehe's clothes are very old-fashioned. She doesn't look like a capable person who can afford a house, otherwise she, a newcomer, would not be able to greet Ouyang De Reconciled, I was already greeted by several experienced sales girls.

(End of this chapter)