All the students were stunned and looked at Yao Yuan in surprise.
The next moment, there was a commotion at the scene.
"These problems are not difficult to solve? Did I hear you correctly?"
"Are you exaggerating to be awesome? Yao Yuan, tell me how you solve these problems?"
Everyone talked about it, all very curious.
Yao Yuan glanced at the guys at the scene, then smiled and said:
"Since some students don't have enough money, why not cooperate to buy a house and hold real estate together?"
"For example, for an old and broken house worth 50 yuan, the down payment requires about 15 to [-] yuan, then divide it into ten or [-] shares, each worth [-] yuan."
"Everyone subscribes based on their own financial resources. In that case, two or three classmates or three or five classmates can buy this house."
All the students were dumbfounded and looked at Yao Yuan with dumbfounded eyes.
Cooperative house buying is a very common real estate speculation model in later generations, but not many people know about it now.
These college students in the classroom are even less understanding.
Yao Yuan's proposal brought a huge impact to everyone present.
The next moment, the classroom exploded.
"I'll go! Isn't it too whimsical for us to cooperate in buying a house?"
"This seems to work. We are all classmates, so trust is not a problem. As long as we have a good contract, we can cooperate to buy a house."
"It's true, if we can really cooperate in buying a house, many problems will be solved!"
While everyone was talking about it, the eyes of those students who didn't have much money suddenly lit up.
They all saw hope and no longer had to regret missing this God-given opportunity!
Yao Yuan chuckled softly and continued to speak loudly:
"After confirming the cooperation to buy a house, everyone must sign a cooperation agreement and have it notarized, indicating their respective shares of the property on the agreement to avoid disputes."
"When going through the transfer procedures, the names of all partners must be noted and notarized. Only with unanimous consent can the property be sold."
"Even further, during the period of holding the property, the holder's share can be transferred at any time according to the market price, and other students can take over."
"But the transfer and transfer of real estate shares can only be limited to our classmates, and the transfer contract must be signed and the name on the real estate certificate must be changed."
After hearing this, a classmate in the audience suddenly stood up and asked a question.
"Yao Yuan, your proposal is great. It has indeed solved the problem of some students not being able to come up with the down payment."
"But have you ever thought about how to solve the loan problem?"
"Is it just like collecting a down payment and applying for a loan from the bank in proportion? Will the bank lend?"
Yao Yuan looked at this guy, thought for a moment, then nodded and said:
"This is indeed a problem, Li Nan, but in my opinion, it is not impossible for everyone to apply for loans from banks separately."
"Don't forget, we are finance students. Which bank in Beijing does not have a finance dean? And many seniors are in high positions."
"To put it bluntly, the Beijing banking system is a one-third-acre of the University of Finance and Economics. Many of us will also enter the banking system in the future. Everyone is a potential stock."
"Hahaha"
All the students laughed and nodded.
Everyone already understands the meaning of Yao Yuan's words, this is about playing the emotional card!
Yao Yuan, who was standing in front of the stage, continued his performance.
"Everyone should use their initiative and contact the seniors who are in charge of credit in major banks. You can even go to those seniors through college teachers."
"As far as I know, the alumni circle of the Beijing University of Finance and Economics in the banking system is amazingly powerful. They take care of each other and are willing to support the younger generations."
"Under the premise of legal compliance, the senior students in charge of credit business at major banks will be happy to give everyone the green light!"
"Everyone must pay attention to one thing. You must pay attention to safety when interacting with those senior students. It is best for male and female students to go together. There are many perverts in the financial circle!"
"Hahaha"
There was a burst of laughter in the classroom, and everyone was overjoyed.
After the laughter subsided, a boy from class one stood up and asked:
"What if we try our best and still can't get a mortgage? This may happen."
Yao Yuan looked at this guy and immediately gave the answer.
"In that case, only my brothers can take action. I can help guarantee the loan for everyone."
"I will take out the house in my hand and provide it as a guarantee for everyone. The guarantee period will not exceed one year at most."
"That is to say, if you buy a house in this way, you can only hold it for one year at most, and you must sell it after one year to repay the loan."
"According to the rate at which housing prices in Beijing are rising, housing prices will at least double in one year. Since you are buying a house with a loan, you can make four to five times the profit, or even more."
"In this way, when you start buying a house again in a year, money will not be a problem!"
"what!"
Everyone exclaimed and were shocked.
Did I hear you correctly? There are still people who are willing to use their houses as guarantee for others?
We are just college classmates, not a family where blood is thicker than water!
Even a family may not be willing to do this!
Thinking of this, everyone's eyes suddenly changed when they looked at Yao Yuan.
Especially those students whose family financial situation is relatively poor, there is a bit of gratitude in their eyes!
And this is exactly the result Yao Yuan wants.
As the saying goes, it is easy to add icing on the cake, but difficult to provide help when the time is right!
He is not overflowing with the Holy Mother's heart, but has other agendas.
Among the students in the audience who had difficulty buying a house, several of them later became national civil servants and entered major ministries and commissions of the central government, and their development was very good!
Some have entered the head offices of major domestic banks, top investment banks and securities companies, Beijing city and local governments, and some well-known enterprises.
By 2023, a considerable number of them will already be in high positions, and their energy cannot be underestimated!
This is a connection worth a thousand dollars!
When he was sure that housing prices in the capital would skyrocket and he would not be cheated, Yao Yuan was not willing to miss this opportunity that offered him timely help!
As he said before, he no longer looked down on the little money he could make from real estate speculation.
But he is very happy to take advantage of the opportunity of everyone speculating in real estate to consolidate his connections!
At this moment, Li Nan suddenly joked and said:
"I heard from Zhou Xu before that you only have five fully paid houses in your hands. What if you don't have enough to guarantee?"
The next moment, Yao Yuan waved his hand domineeringly.
"It's very simple. Can't you just buy a few more apartments? It only takes a minute!"
"Beijing is about to fully implement the policy of enrolling students in primary and secondary schools near each other. This opportunity cannot be missed. I decided to buy five more houses!"
Before he finished speaking, all the students were shocked again.
"Fuck! This is so awesome!"
"Are you buying a fucking house? It's just buying cabbage!"
Amidst the exclamations one after another, Wang Xinran gently poked Liu Jingwen's arm.
"Jing Wen, how much money does Yao Yuan's family have? This is too exaggerated!"
"You've got it right, get ready to be a young mistress!"
Liu Jingwen woke up and quickly shook her head.
"I don't know how much money his family has, but he spends money like water!"
"But he doesn't spend money recklessly, and he doesn't have any bad habits!"
As soon as he said this, Wang Xinran rolled his eyes.
"Stop it, stop talking. If you keep talking, I will die of jealousy!"
The next moment, there was a commotion at the scene.
"These problems are not difficult to solve? Did I hear you correctly?"
"Are you exaggerating to be awesome? Yao Yuan, tell me how you solve these problems?"
Everyone talked about it, all very curious.
Yao Yuan glanced at the guys at the scene, then smiled and said:
"Since some students don't have enough money, why not cooperate to buy a house and hold real estate together?"
"For example, for an old and broken house worth 50 yuan, the down payment requires about 15 to [-] yuan, then divide it into ten or [-] shares, each worth [-] yuan."
"Everyone subscribes based on their own financial resources. In that case, two or three classmates or three or five classmates can buy this house."
All the students were dumbfounded and looked at Yao Yuan with dumbfounded eyes.
Cooperative house buying is a very common real estate speculation model in later generations, but not many people know about it now.
These college students in the classroom are even less understanding.
Yao Yuan's proposal brought a huge impact to everyone present.
The next moment, the classroom exploded.
"I'll go! Isn't it too whimsical for us to cooperate in buying a house?"
"This seems to work. We are all classmates, so trust is not a problem. As long as we have a good contract, we can cooperate to buy a house."
"It's true, if we can really cooperate in buying a house, many problems will be solved!"
While everyone was talking about it, the eyes of those students who didn't have much money suddenly lit up.
They all saw hope and no longer had to regret missing this God-given opportunity!
Yao Yuan chuckled softly and continued to speak loudly:
"After confirming the cooperation to buy a house, everyone must sign a cooperation agreement and have it notarized, indicating their respective shares of the property on the agreement to avoid disputes."
"When going through the transfer procedures, the names of all partners must be noted and notarized. Only with unanimous consent can the property be sold."
"Even further, during the period of holding the property, the holder's share can be transferred at any time according to the market price, and other students can take over."
"But the transfer and transfer of real estate shares can only be limited to our classmates, and the transfer contract must be signed and the name on the real estate certificate must be changed."
After hearing this, a classmate in the audience suddenly stood up and asked a question.
"Yao Yuan, your proposal is great. It has indeed solved the problem of some students not being able to come up with the down payment."
"But have you ever thought about how to solve the loan problem?"
"Is it just like collecting a down payment and applying for a loan from the bank in proportion? Will the bank lend?"
Yao Yuan looked at this guy, thought for a moment, then nodded and said:
"This is indeed a problem, Li Nan, but in my opinion, it is not impossible for everyone to apply for loans from banks separately."
"Don't forget, we are finance students. Which bank in Beijing does not have a finance dean? And many seniors are in high positions."
"To put it bluntly, the Beijing banking system is a one-third-acre of the University of Finance and Economics. Many of us will also enter the banking system in the future. Everyone is a potential stock."
"Hahaha"
All the students laughed and nodded.
Everyone already understands the meaning of Yao Yuan's words, this is about playing the emotional card!
Yao Yuan, who was standing in front of the stage, continued his performance.
"Everyone should use their initiative and contact the seniors who are in charge of credit in major banks. You can even go to those seniors through college teachers."
"As far as I know, the alumni circle of the Beijing University of Finance and Economics in the banking system is amazingly powerful. They take care of each other and are willing to support the younger generations."
"Under the premise of legal compliance, the senior students in charge of credit business at major banks will be happy to give everyone the green light!"
"Everyone must pay attention to one thing. You must pay attention to safety when interacting with those senior students. It is best for male and female students to go together. There are many perverts in the financial circle!"
"Hahaha"
There was a burst of laughter in the classroom, and everyone was overjoyed.
After the laughter subsided, a boy from class one stood up and asked:
"What if we try our best and still can't get a mortgage? This may happen."
Yao Yuan looked at this guy and immediately gave the answer.
"In that case, only my brothers can take action. I can help guarantee the loan for everyone."
"I will take out the house in my hand and provide it as a guarantee for everyone. The guarantee period will not exceed one year at most."
"That is to say, if you buy a house in this way, you can only hold it for one year at most, and you must sell it after one year to repay the loan."
"According to the rate at which housing prices in Beijing are rising, housing prices will at least double in one year. Since you are buying a house with a loan, you can make four to five times the profit, or even more."
"In this way, when you start buying a house again in a year, money will not be a problem!"
"what!"
Everyone exclaimed and were shocked.
Did I hear you correctly? There are still people who are willing to use their houses as guarantee for others?
We are just college classmates, not a family where blood is thicker than water!
Even a family may not be willing to do this!
Thinking of this, everyone's eyes suddenly changed when they looked at Yao Yuan.
Especially those students whose family financial situation is relatively poor, there is a bit of gratitude in their eyes!
And this is exactly the result Yao Yuan wants.
As the saying goes, it is easy to add icing on the cake, but difficult to provide help when the time is right!
He is not overflowing with the Holy Mother's heart, but has other agendas.
Among the students in the audience who had difficulty buying a house, several of them later became national civil servants and entered major ministries and commissions of the central government, and their development was very good!
Some have entered the head offices of major domestic banks, top investment banks and securities companies, Beijing city and local governments, and some well-known enterprises.
By 2023, a considerable number of them will already be in high positions, and their energy cannot be underestimated!
This is a connection worth a thousand dollars!
When he was sure that housing prices in the capital would skyrocket and he would not be cheated, Yao Yuan was not willing to miss this opportunity that offered him timely help!
As he said before, he no longer looked down on the little money he could make from real estate speculation.
But he is very happy to take advantage of the opportunity of everyone speculating in real estate to consolidate his connections!
At this moment, Li Nan suddenly joked and said:
"I heard from Zhou Xu before that you only have five fully paid houses in your hands. What if you don't have enough to guarantee?"
The next moment, Yao Yuan waved his hand domineeringly.
"It's very simple. Can't you just buy a few more apartments? It only takes a minute!"
"Beijing is about to fully implement the policy of enrolling students in primary and secondary schools near each other. This opportunity cannot be missed. I decided to buy five more houses!"
Before he finished speaking, all the students were shocked again.
"Fuck! This is so awesome!"
"Are you buying a fucking house? It's just buying cabbage!"
Amidst the exclamations one after another, Wang Xinran gently poked Liu Jingwen's arm.
"Jing Wen, how much money does Yao Yuan's family have? This is too exaggerated!"
"You've got it right, get ready to be a young mistress!"
Liu Jingwen woke up and quickly shook her head.
"I don't know how much money his family has, but he spends money like water!"
"But he doesn't spend money recklessly, and he doesn't have any bad habits!"
As soon as he said this, Wang Xinran rolled his eyes.
"Stop it, stop talking. If you keep talking, I will die of jealousy!"
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