Rebirth 91, this time I want to be a doctor
Chapter 302 Is there anything wrong with me asking for a mortgage?
Liu Xiaochuan smiled and said: "I am absolutely satisfied with the discount given by Brother Fang! It's just that we are discussing business. I will give the real money to Brother Fang first. I don't know when your building will be launched. There’s nothing wrong with asking for a mortgage!”
Fang Xinghua spread his hands. "What mortgage do you want? My company only has houses!"
Zhao Xiufen spoke at the right time, "Isn't this just right? Isn't our company engaged in real estate transactions? You mortgage the house in Fengxing Garden to our Mr. Liu, and when the building is completed and delivered, we will The house will be returned to you, and then the house prices here will also rise. You can resell it and earn another sum of money. As for us, we will use the house to earn rent for a few years, which should be used to make up for the interest lost in the past few years. . Our company has deposited tens of millions in the bank, and the interest is quite high! Besides, we can’t deposit in the bank, we must have invested in real estate elsewhere. With the current market conditions, no matter where we buy, we will make money!”
Liu Xiaochuan nodded, "I think what our Vice President Zhao said makes sense!"
"I can tell. You guys came prepared. We have already discussed this!" Fang Xinghua felt as if he had fallen into Liu Xiaochuan's trap.
"Let's just say, is my plan beneficial to you, brother Fang? Now that house prices are getting higher and higher, how can so many people afford it? Your house in Fengxing Garden is not so easy to sell! You can use the house to pay for it now. Give it to me, get the money in advance, and with my example, you will have a reason to ask others to invest. In this way, you can start the building project first. Brother Fang, you have to know, one step is fast, each step is fast! You As long as you are one step slower, your lead will be gone, and if another landmark building pops up one day, your grand plan will be meaningless!"
"Okay, what you said makes sense!" Fang Xinghua exchanged glances with several of his subordinates, and they all nodded slightly, indicating that they would not suffer any loss in doing so.Especially Lao Cao, as the chief engineer, who doesn’t want to be responsible for a big project? It’s a good opportunity to become famous!
"Tell me, which building of mine did you pick?" Fang Xinghua also knew that it was unrealistic to get money from Liu Xiaochuan with nothing, so he could only use the house as a mortgage.
"Of course, this row of commercial buildings is enough. If it's not enough, we can use residential buildings to make up for it!"
Liu Xiaochuan chose the stores close to the Baiyin College construction site, which are the stores on the west and south sides of Fengxing Garden. The total area of all the stores is more than 7000 square meters. They are not yet completed, so they are not for sale. The off-plan properties are only residential buildings.
The retail space is 7000 square meters, which is worth 3000 million yuan based on 2100 yuan per square meter.The residential building has 11 floors, with 2 units and 4 households on each floor. The total area is about 500 square meters, and the unit price is 1580 yuan. The total price of each floor is about 80. It has an attic on the top floor and a small courtyard on the first floor. The price is slightly more expensive. The total price of a building with 11 floors is probably more than 1000 million.
Liu Xiaochuan directly asked Fang Xinghua to mortgage a 7000-square-meter store and three residential buildings, with a total price of about 5000 million.
"Brother, you, a college student, don't know how to count? The total price of my houses is almost 5000 million, but it's worth your 3300 million?" Fang Xinghua was a little unhappy.
"Brother Fang, please be patient!"
Liu Xiaochuan took out his mobile phone again and said: "I bought this mobile phone for more than 3000. If I go to a pawn shop to mortgage it, they won't even give me half of it. How can I get the original price of the mortgaged thing? If nothing else, Brother Fang, I'll just go ahead I’m buying your house. As far as our relationship is concerned, if I buy so much, it’s okay to give you a 6.5% discount, right? Now it’s just a [-]% discount on the mortgage, so you’re not willing?”
"That's right. If we mortgage at the original price, if Mr. Fang sells well the office space in your building and breaks the contract, wouldn't it be equivalent to Mr. Liu buying so many houses from you at the original price? That wouldn't be a big loss! I Don't be angry if you say so. We, Mr. Liu, must trust Mr. Fang's character and credibility, but after the contract is signed, you have to take it back to the company to show it to others. You have to explain to the company, and others don't know Mr. Fang. It's inevitable that you will have other ideas!" Zhao Xiufen offered her timely support.
What the two said made Fang Xinghua and his subordinates speechless. This is indeed the truth!
Chief Engineer Cao murmured to Fang Xinghua in a low voice: "It's just a mortgage anyway. When the building is completed and delivered, it will be returned! We will definitely not lose!"
"We have so many buildings in the Fengxing Garden project, and they are not selling out so quickly. So we just need to pay them back first. I guess after the building is built in a few years, all the houses here may not be sold out, so we can just let them go." We have it in our hands, wouldn't it be good for us to take it back and sell it when the time comes?" Manager Xiao also expressed his opinion.
Since everyone said so, Fang Xinghua agreed. He believed that Liu Xiaochuan was just a spokesperson and had to answer to the people behind him.Anyway, when the building is completed, he will definitely get the house back. I understand that Qihang Company will not dare to deny it. In Fengyang, few people dare to bully Fang Xinghua!
The two parties finally reached an agreement and signed a contract. Fengxing Real Estate Company used Fengxing Garden's 7000-square-meter store and three residential buildings as mortgages, while Liu Xiaochuan contributed 3300 million, which was considered to be the 4-story Fengxing Building in the future.When the building is completed, the 4-story house will be exchanged for the house in Fengxing Garden.Since the house has not yet been built, Liu Xiaochuan's previous 1300 million is considered to be the upfront payment, and Fengxing Company will complete the delivery before the end of the year. At that time, Qihang Company will make up the remaining 2000 million balance.
After the contract was signed, it was considered a big deal, and Fang Xinghua generously treated him to dinner.After dinner, Liu Xiaochuan rejected his invitation to go to Hong Kong Romance and followed Zhao Xiufen and Tan Qi back to the company!
After Liu Xiaochuan and his party left, Fang Xinghua realized that Liu Xiaochuan had actually taken so many houses from himself without paying anything today, and the remaining 2000 million had to wait for the completion and delivery of the house. Just made up for it.And he had originally planned to keep the 1300 million he had won from buying football and use it as a stock investment!If you don't give it to him, there's nothing he can do!
When he went back and looked at the contract carefully, Fang Xinghua was suddenly happy. Liu Xiaochuan actually didn't write in the contract which floors of Fengxing Building he planned to occupy. When the time came, he could give him any floor he wanted, and he would be at a loss if he was left dumb. no way!He was full of confidence. Who would have known that the so-called Fengxing Building could not even finish the foundation and would end up in a yellow stall!
At this time, Liu Xiaochuan was also looking at the contract happily. He knew that Fang Xinghua would definitely not happily give it to him for the 1300 million he won, so he just used it.Fang Xinghua's building will definitely not be built. The house is in his own hands and there is a mortgage contract, which is equivalent to buying several buildings at a 6.5% discount. After a few years, when the housing prices rise, he will change the hands of several small targets. .
Leaning on the boss's chair, Liu Xiaochuan tried hard to search the memories of his previous life. Thinking about the major events that happened in 98, he really remembered two major events, both of which were about to happen in the near future. It seems that this summer vacation, he is destined to be idle again. No more!
Fang Xinghua spread his hands. "What mortgage do you want? My company only has houses!"
Zhao Xiufen spoke at the right time, "Isn't this just right? Isn't our company engaged in real estate transactions? You mortgage the house in Fengxing Garden to our Mr. Liu, and when the building is completed and delivered, we will The house will be returned to you, and then the house prices here will also rise. You can resell it and earn another sum of money. As for us, we will use the house to earn rent for a few years, which should be used to make up for the interest lost in the past few years. . Our company has deposited tens of millions in the bank, and the interest is quite high! Besides, we can’t deposit in the bank, we must have invested in real estate elsewhere. With the current market conditions, no matter where we buy, we will make money!”
Liu Xiaochuan nodded, "I think what our Vice President Zhao said makes sense!"
"I can tell. You guys came prepared. We have already discussed this!" Fang Xinghua felt as if he had fallen into Liu Xiaochuan's trap.
"Let's just say, is my plan beneficial to you, brother Fang? Now that house prices are getting higher and higher, how can so many people afford it? Your house in Fengxing Garden is not so easy to sell! You can use the house to pay for it now. Give it to me, get the money in advance, and with my example, you will have a reason to ask others to invest. In this way, you can start the building project first. Brother Fang, you have to know, one step is fast, each step is fast! You As long as you are one step slower, your lead will be gone, and if another landmark building pops up one day, your grand plan will be meaningless!"
"Okay, what you said makes sense!" Fang Xinghua exchanged glances with several of his subordinates, and they all nodded slightly, indicating that they would not suffer any loss in doing so.Especially Lao Cao, as the chief engineer, who doesn’t want to be responsible for a big project? It’s a good opportunity to become famous!
"Tell me, which building of mine did you pick?" Fang Xinghua also knew that it was unrealistic to get money from Liu Xiaochuan with nothing, so he could only use the house as a mortgage.
"Of course, this row of commercial buildings is enough. If it's not enough, we can use residential buildings to make up for it!"
Liu Xiaochuan chose the stores close to the Baiyin College construction site, which are the stores on the west and south sides of Fengxing Garden. The total area of all the stores is more than 7000 square meters. They are not yet completed, so they are not for sale. The off-plan properties are only residential buildings.
The retail space is 7000 square meters, which is worth 3000 million yuan based on 2100 yuan per square meter.The residential building has 11 floors, with 2 units and 4 households on each floor. The total area is about 500 square meters, and the unit price is 1580 yuan. The total price of each floor is about 80. It has an attic on the top floor and a small courtyard on the first floor. The price is slightly more expensive. The total price of a building with 11 floors is probably more than 1000 million.
Liu Xiaochuan directly asked Fang Xinghua to mortgage a 7000-square-meter store and three residential buildings, with a total price of about 5000 million.
"Brother, you, a college student, don't know how to count? The total price of my houses is almost 5000 million, but it's worth your 3300 million?" Fang Xinghua was a little unhappy.
"Brother Fang, please be patient!"
Liu Xiaochuan took out his mobile phone again and said: "I bought this mobile phone for more than 3000. If I go to a pawn shop to mortgage it, they won't even give me half of it. How can I get the original price of the mortgaged thing? If nothing else, Brother Fang, I'll just go ahead I’m buying your house. As far as our relationship is concerned, if I buy so much, it’s okay to give you a 6.5% discount, right? Now it’s just a [-]% discount on the mortgage, so you’re not willing?”
"That's right. If we mortgage at the original price, if Mr. Fang sells well the office space in your building and breaks the contract, wouldn't it be equivalent to Mr. Liu buying so many houses from you at the original price? That wouldn't be a big loss! I Don't be angry if you say so. We, Mr. Liu, must trust Mr. Fang's character and credibility, but after the contract is signed, you have to take it back to the company to show it to others. You have to explain to the company, and others don't know Mr. Fang. It's inevitable that you will have other ideas!" Zhao Xiufen offered her timely support.
What the two said made Fang Xinghua and his subordinates speechless. This is indeed the truth!
Chief Engineer Cao murmured to Fang Xinghua in a low voice: "It's just a mortgage anyway. When the building is completed and delivered, it will be returned! We will definitely not lose!"
"We have so many buildings in the Fengxing Garden project, and they are not selling out so quickly. So we just need to pay them back first. I guess after the building is built in a few years, all the houses here may not be sold out, so we can just let them go." We have it in our hands, wouldn't it be good for us to take it back and sell it when the time comes?" Manager Xiao also expressed his opinion.
Since everyone said so, Fang Xinghua agreed. He believed that Liu Xiaochuan was just a spokesperson and had to answer to the people behind him.Anyway, when the building is completed, he will definitely get the house back. I understand that Qihang Company will not dare to deny it. In Fengyang, few people dare to bully Fang Xinghua!
The two parties finally reached an agreement and signed a contract. Fengxing Real Estate Company used Fengxing Garden's 7000-square-meter store and three residential buildings as mortgages, while Liu Xiaochuan contributed 3300 million, which was considered to be the 4-story Fengxing Building in the future.When the building is completed, the 4-story house will be exchanged for the house in Fengxing Garden.Since the house has not yet been built, Liu Xiaochuan's previous 1300 million is considered to be the upfront payment, and Fengxing Company will complete the delivery before the end of the year. At that time, Qihang Company will make up the remaining 2000 million balance.
After the contract was signed, it was considered a big deal, and Fang Xinghua generously treated him to dinner.After dinner, Liu Xiaochuan rejected his invitation to go to Hong Kong Romance and followed Zhao Xiufen and Tan Qi back to the company!
After Liu Xiaochuan and his party left, Fang Xinghua realized that Liu Xiaochuan had actually taken so many houses from himself without paying anything today, and the remaining 2000 million had to wait for the completion and delivery of the house. Just made up for it.And he had originally planned to keep the 1300 million he had won from buying football and use it as a stock investment!If you don't give it to him, there's nothing he can do!
When he went back and looked at the contract carefully, Fang Xinghua was suddenly happy. Liu Xiaochuan actually didn't write in the contract which floors of Fengxing Building he planned to occupy. When the time came, he could give him any floor he wanted, and he would be at a loss if he was left dumb. no way!He was full of confidence. Who would have known that the so-called Fengxing Building could not even finish the foundation and would end up in a yellow stall!
At this time, Liu Xiaochuan was also looking at the contract happily. He knew that Fang Xinghua would definitely not happily give it to him for the 1300 million he won, so he just used it.Fang Xinghua's building will definitely not be built. The house is in his own hands and there is a mortgage contract, which is equivalent to buying several buildings at a 6.5% discount. After a few years, when the housing prices rise, he will change the hands of several small targets. .
Leaning on the boss's chair, Liu Xiaochuan tried hard to search the memories of his previous life. Thinking about the major events that happened in 98, he really remembered two major events, both of which were about to happen in the near future. It seems that this summer vacation, he is destined to be idle again. No more!
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