Real estate players

At this time, Wu Yong's parents also came to take a look curiously, Wu Yong smiled at them: "Parents, this house is much cheaper than that one! It's all calculated, and only a down payment of more than 730,000."

"Really?" Wu Yong's mother said in surprise: "Then the money saved can be used directly for decoration? Ayong, you don't have to continue living in that small rental house?"

Then, her mother said to his father: "You still go back to get the money tomorrow. We must decorate A Yong's new house beautifully, so that he will not pick so many thorns when he talks about objects in the future! "

His father answered repeatedly, his smile blooming.

But when Wu Yong heard his mother say this, he said rightly: "Mom! Don't get married anyway, don't live in a hurry, just delay the decoration. Keep your own pension funds for yourself."

He went on to say: "After I buy the house, I plan to spend a little money to simply decorate it, and then rent it out. Then I can use the rent to subsidize the loan."

"A Yong!" his mother patiently persuaded: "Don't you look at what environment you live in now? Now that you have bought a house, why don't you move in? My parents have worked so hard for a lifetime, so it's just for you to live. Is it better? Money is all foreign objects!"

"No! I've decided on this, just do it! I can't move any of your pension funds!" Wu Yong said stubbornly.

It was because of Jiang Li's bewilderment that he reluctantly accepted the last gift from his parents, or cruelly drank the last mouthful of his parents' blood.

Now, since there is no pressure on funds and marriage is not urgent, then he is absolutely unwilling to do this.

Huang Mian watched the family of three arguing with each other, feeling deeply.

For Wu Yong's family of three, his parents insisted on giving it, but his son insisted not.Although I was arguing, what was revealed was the kind of completely gratuitous love from parents to their children, without asking for anything in return.

And Wu Yong is indeed filial.I would rather continue to live in a small rental house than ask my parents for pension money.

In contrast...

Huang Mian thought of the absurdity of his fake marriage and defrauding property, and his regret was even stronger than before.

But even so, didn't your parents give up on themselves?The so-called poor parents in the world, Huang Mian really understood some of the heaviness in this sentence at this moment.

"Hey, it would be fine if my dad hasn't gone bankrupt. Then I can help their family."

Huang Mian walked to Chen Jin silently and whispered to him.

Chen Jin looked at him and said with disdain: "It's nothing more than generosity. Feelings are not the money you earn back yourself, don't you know it hurts?"

Huang Mian was taken aback, and then he was speechless.After all, after such a short period of time, his thinking could not be completely reversed all at once.

When he really needed money, the first thought that came to his mind was still "find father"!

Chen Jin smiled again: "Don't help the poor if you are in a hurry, okay? Because poverty is incurable. If you just give money, it will be fine. Do you think I can't get the hundreds of thousands?"

Huang Mian nodded to express understanding, but still said, "But watching their family give way to the money, I really feel uncomfortable."

"Nonsense, do I feel better in my heart? Help, naturally I want to help. But there must be a way." Chen Jin said.

Huang Mian looked at Chen Jin in surprise, wondering how he helped?

I saw Chen Jin stepped forward and smiled at the family: "Okay, okay, don't fight, I have a way, not only can you buy the house safely, but also have money to decorate!"

"Really?" the family said in surprise.

Chen Jin nodded and said to them: "Sit down first. I will explain to you slowly."

Then the family followed him into the small conference room, and Huang Mian followed in to find out.

Seeing everyone sitting still, Chen Jin explained, "Actually, the method is very simple. Just raise the total price of the house and make more loans, and then let the landlord pay you back."

"How do you do this?" Wu Yong asked puzzled.

Chen Jin smiled and began to analyze it carefully for him.

The method he used was naturally the old method of cashing out loans with high housing prices.

This house is 75 square meters and the unit price is only 30,000 yuan.However, according to the suggested transaction price of Qingheyuan and Bihaixuan in the Housing Management Bureau, it can reach a unit price of 33,000, 34,000 or even higher.

Chen Jin's advice to them is not to do too high.The total price of 2.5 million is a reasonable range.

Although this will increase Wu Yong's down payment of 75,000, it allows the landlord to bear the taxes and fees.

According to the 2.5 million transaction, the tax will be less than 100,000.Then 2.5 million minus the 2.25 million due to the landlord, and less than 100,000 taxes, there is still about 150,000 cash left in Wu Yong's hands.

And in this way, Wu Yong's actual down payment was only 750,000, which was only more than 10,000 more than his original down payment.

With 150,000 in cash, a 75-square-meter house is enough to be decorated and comfortable.Not to mention that Wu Yong's originally planned 800,000 down payment still has 50,000 left.

After listening to Chen Jin, Wu Yong's face was already smiling.

Indeed, although this method is simple, for people who have never been in contact with real estate, it is impossible to think of opportunistic tricks in this direction.

But Wu Yong's parents are still a little worried!

His mother asked, "If you borrow so much money, wouldn't A Yong have to repay a lot of loans every month?"

"Auntie." Chen Jin explained patiently: "I have already calculated. If Mr. Wu makes a deal at the normal 2.25 million, the loan is 1.575 million, and the monthly repayment amount is 8359 yuan."

He continued: "And if the transaction is based on 2.5 million yuan, the loan is 1.75 million yuan, the monthly repayment amount is 9287 yuan. Although the repayment pressure of about 900 yuan is added each month, the cash is available. Now, there is no The interest on borrowing from any formal channel is lower than the interest on mortgages. This is already the most cost-effective way. But you should discuss with your family on how to choose."

After Chen Jin finished speaking, he looked at Wu Yong's family and stopped persuading.He only provides methods, and in the end they have to let them make their own decisions.

Although Wu Yong doesn't look like the kind of person who can settle accounts after autumn, it is always right to be careful.No one can make a choice for others as to how they should go.

Otherwise, if the other party regrets it afterwards, Chen Jin will be blamed!

After listening to Chen Jin's words, Wu Yong's parents were still thinking, but Wu Yong himself smiled: "Great, then do it!"

He then said to his mother: "Mom, don't worry. The solution provided by Manager Chen is already the perfect solution. It is only 900 yuan a month, and your son's monthly salary is more than 20,000 yuan! There is no pressure at all!"

"A Yong, this..."

"Okay, Mom! Just settle it down like this." Wu Yong said.

But he turned his head and asked Chen Jin again: "Is it just that the landlord will pay me back the loaned money?"

"Mr. Wu, don't worry. You came all the way to find me because of your trust in me. I can't live up to it." Chen Jin smiled and said, "Actually, I mentioned it to the landlord before asking your opinion. With this method, he promised to cooperate fully."

Hearing what he said, Wu Yong couldn't help but get up and bowed to Chen Jin, and then to Huang Mian, and said sincerely, "Manager Chen, it is my blessing to meet you and Xiao Huang, you guys! Not only helped me get out of the fire pit, but also saved me so much money. I really don't know what to say!"

"No." Chen Jin also hurriedly got up to help him, and said with a smile: "Mr. Wu, you are a real person and a good person. A good person will always be rewarded."

He said, blinking at Huang Mian.

Huang Mian also reacted immediately, Chen Jin's words...

It seems to be for myself!