Rebirth 09: Buying a house with a baby UP owner

"It's still 2 short."

Mr. Cen was caught off guard and told the truth. But looking at Zhong Meihui in front of him, he felt a little regretful. He didn't want to let the sales staff here know that he didn't have enough money for the down payment. In that case, they would laugh to death.

"Recently, all my money has been invested in other investments. I will be back in two weeks. I'm going to take a look at the house today."

Mr. Cen found an excuse to cover up. Zhong Meihui did not expose him, but reminded Mr. Cen very thoughtfully that the company could also provide other services.

"In fact, we have recently encountered many customers who do not have enough down payments. If you are getting a loan for your first home, the company can find a way in this regard. The most important thing is that you can choose a satisfactory apartment type."

Zhong Meihui did not continue to introduce her new method, but stood beside Mr. Cen neither humble nor overbearing. But her words were a life-saving straw for Mr. Cen. He quickly took her arm and asked if it was true. of.

"Is there any way you can help me make up the down payment? I've asked many places but can't find anything."

Mr. Cen has seen many real estate projects, but every place said that the down payment ratio cannot be lowered. It was recommended that he choose a one-bedroom house. However, such a small place is not enough to live in, making Mr. Cen more and more undecided.

"Of course it's true. If your down payment is too short, we really can't do anything. But if it's only 2 yuan, the company can still operate it. After you choose the apartment type, I will discuss it with the general manager. "

Zhong Meihui is very sure about this. After all, she has experienced this era and knows that there is still a lot of room for maneuver under the policy. Anyway, the final result is that everyone will not suffer.

"To tell you the truth, I have actually chosen the apartment type a long time ago. It is the apartment at 24-18-2 in Building 403, with 2 bedrooms, 2 living rooms and 72 square meters. However, the money in hand is always a bit short."

After receiving the affirmative answer, Mr. Cen immediately blurted out his favorite house type.

He is a real needy person. He is over thirty years old and has a girlfriend whom he has been dating for five or six years.

Some time ago, the two families just sat together to discuss the matter of the house. They thought that temporarily renting a house to get married would be acceptable to the other party's family, but unexpectedly, the always kind-hearted future father-in-law was particularly insistent on this matter, demanding that he must stay in the local area. There is a two-bedroom apartment, otherwise we will negotiate.

At first he wanted to argue, but his prospective father-in-law had already started arranging blind dates for his daughter, and gave him an ultimatum, requiring him to buy a house before the end of the year, otherwise, his future father-in-law and mother-in-law would have to He married his daughter to someone else.

He had no choice but to use his savings over the years and find relatives and friends to scrape together 10,000+, but the result was still not what he expected.

"Do you feel that the money is getting worse the more you look at it?" Zhong Meihui suddenly hit Mr. Cen's pain point. The increase in house prices in the past six months has been seen by everyone. Everyone can calculate how much Mr. Cen has lost.

"It is indeed getting worse and worse. If you hadn't said there was a special way to solve it, I would have thought there was no hope of buying a house in my life."

Mr. Cen sighed when he mentioned this matter. He is indeed engaged in the IT industry, and his income is relatively high among young people, so he has never taken buying a house seriously. However, the increase in housing prices in the past six months has left him completely confused. .

When he first came here, he had enough money to pay the down payment for this two-bedroom apartment, but when he thought about how much money it would cost to decorate a wedding, he wanted to see if there was anything more cost-effective. house.

As a result, when he came here for the second time, he no longer had enough money for the down payment. At that time, he was still calm and thought that he would be able to make up the money when his salary was paid at the end of the month.

But the price of the house rose too fast. Every time he thought he was about to get it, the house price rose again, making the money in his hand depreciate more and more.

My girlfriend has already put all her savings into the house payment, but after seeing that he was reluctant to buy a house, she felt that he was not sincere in marrying her, and she even had a fierce quarrel yesterday.

"House prices have indeed increased a lot in the past six months, and it is likely to be higher than 7000 yuan next month. If you just need it, now is indeed a good time to buy it. If you wait any longer, we will not be able to help you."

Zhong Meihui understands Mr. Cen's reluctance. Six months ago, the house price here was just over 4000 per square meter. Now it is 6200, almost a third of the price increase. A good three-bedroom apartment had to be turned into a two-bedroom apartment. Anyone would feel unwilling to do so and hope every day that housing prices would fall back to their original position.

"Will it still go up? I heard that house prices are already going to fall. What if I sell now and end up losing money again?"

Mr. Cen has been hesitant to make up his mind, especially when Zhong Meihui said that house prices will rise. He always felt that this was a common trick used by salespeople. House prices had also fallen slightly before, and many people bought houses. He lost tens of thousands in less than half a month, and he didn't want this to happen to him.

"The increase in housing prices does have a period of oscillation, but in the long run it will definitely increase. I can personally sign an agreement with you. If within the next three years, the average price of this community falls below your current purchase price, You can transfer the house to me, and I will compensate you personally for your losses, so you can rest assured."

Mr. Cen smiled: "There is no reason to sign such an agreement with you personally. I also understand that it is difficult for house prices to fall when they rise. You have already said this, so just sign the subscription contract."

"Now that you have decided, I will discuss it with the manager and get back to you right away."

Zhong Meihui told Sister Nan about Mr. Cen and asked her to agree to adjust the unit price of the house to 6950 yuan per square meter. In this way, Mr. Cen could borrow the 2 yuan short payment from the bank to make up for his lack of funds. part.

"I also know this owner. I've been here many times, but your thinking is flexible and you have grasped the owner's inner needs. I hope you will continue to work hard. I am optimistic about you."

After Sister Nan heard Zhong Meihui's idea, she felt that she was a genius in sales. She knew how to find new ways to do everything, and she was very courageous and almost used the resources in her hands to the limit.

"Some things require flexibility. If you agree, I will sign a formal contract with Mr. Cen now."

After Zhong Meihui got Sister Nan's permission, she helped Mr. Cen make a loan of 40 yuan, which was repaid in 20 years, with monthly repayments of 2498 yuan.

The money would not affect Mr. Cen's normal life at all. He was so happy that he signed a formal subscription contract on the spot, giving Zhong Meihui another achievement.