Rebirth 07 Becomes the First Internet Celebrity.

Jiang Xue took the information and started reading it.

There was too little that could be seen on a piece of paper. Based on the location and size, Jiang Xue picked out three villas of more than 300 square meters and told agent Xu that she wanted to take a look.

The other party drove them there.

The first house is a townhouse in a good location, 284 square meters, fully decorated. The landlord also added decoration fees, but the overall decoration style is too nouveau riche, and it can be seen that it was decorated at a high price. However, if Jiang Xue buys it to use as a studio, she will basically have to tear it down and redecorate it.

This will cause too much loss both internally and externally, so it won’t work.

The second one is a bare house. The overall environment of the community is not very good, and the location is much worse than the first one, but the corresponding price is also cheaper. After buying it, you can't use it directly, and you have to invest money in decoration.

Jiang Xue decided to take a look at the third set.

When she got to the third house, Jiang Xue felt that the greenery in this community was really nice.

The villa is a stand-alone villa, and the distance from other houses is also good, so the privacy is very good.

The house is two-story and was delivered in 03. The total area is 372 square meters, with a corridor, double entrances, and a -square-meter south-facing green space.

Without even going in to see the internal structure, Jiang Xue loved the outside so much.

The agent used the key to open the door, but the landlord was not there. The room was very empty, with ladders, buckets and construction waste used for renovation.

"You can also see from this house that the landlord has not yet finished decorating it, but the basic hard decoration is almost done. The landlord does overseas business and because of the impact of the overseas financial crisis, he needs to sell this house to raise money."

Jiang Xue looked around the entire building, both inside and outside. She was very satisfied.

It feels like this house was tailor-made for her and is perfect for her!

Agent Xu, who was standing by, felt relieved when she saw Jiang Xue's serious look as she examined the set. This set was specially tailored for Jiang Xue. The reason why she took Jiang Xue to see this set was because she thought it was suitable for Jiang Xue.

"How much is this set?" Jiang Xue asked.

"The house is priced at 12,000 yuan per square meter according to the surrounding area. The landlord said he would give it to the next tenant after the renovation, but the transaction needs to be completed as soon as possible. By the way, this house is also equipped with floor heating."

Jiang Xue calculated in her mind that if the square meter was 372, then square meters would cost .

So expensive.

But when she thought that the price could reach tens of millions in a few years, Jiang Xue felt that it was a good deal.

"Can I get a loan?" Jiang Xue asked.

"Yes, if you take out a loan, the minimum down payment for the first home in Kyoto is 20%," agent Xu replied.

"What if I buy it in the name of a company? Are there any restrictions?"

"If the company has been registered for more than one year, it cannot take out a loan to buy a house and must pay in full." It's a pity that I can't take out a loan, and besides, one year is not enough.

I took another look at the house and really liked it.

Thinking about the dividends in her card, she realized that the money in her card would be almost enough if she took out a loan!

But she also plans to buy a house in S City. If she buys this villa, she will have no money left to buy a house in S City.

"Please help me calculate the minimum loan ratio for an individual purchase and how much down payment I need to pay."

"Okay, Miss Jiang, let me calculate it." After saying that, he used the calculator on his phone, took out a piece of white paper, and started calculating.

"If you want a 90% down payment, you need to prepare yuan."

"In addition to the deed tax, there are also agency fees. Let me calculate it: 3% deed tax + 2% agency fee. Of the agency fees, 1.7% is the service fee, and 0.3% is the guarantee service fee."

"The two together are 13.8 + 8.9 respectively, a total of 22.78."

In other words, after paying the down payment, plus the stamp duty and the agency fee, the dividend she had just received in her card was 164 million yuan. After deducting the 50 yuan invested in the cosmetics company, there was only more than yuan left.

Her current promotion expenses and income as a makeup artist are enough to cover her daily expenses, the salaries of two assistants, and the mortgage payments for two other houses after deducting the rent from the rental properties.

I still have to pay the mortgage later. Thinking of the mortgage, Jiang Xue asked again: "If I take out a loan for ten years, how much do I need to pay every month?"

Agent Xu continued to calculate on paper. After a while, he told Jiang Xue: "The current interest rate is 5.88. The monthly equal installment repayment is yuan, and the principal and interest are about yuan. The monthly repayment will decrease from yuan in the first month and from yuan in other months. The principal and interest are about .00 yuan in total." After hearing the numbers reported by the agent, she was not moved at all. After all, she could still afford tens of thousands of yuan.

In addition, the purchase was not made in the name of the company. Jiang Xue planned to go back and divide the money left on the account for buying the house. She bought the house to use as a studio, and there was also a fee for renting the house to the company.

Thinking of this, Jiang Xue asked, "If this house is rented out, how much can it be rented for per month?"

"About 6000." Jiang Xue nodded, and asked the company to calculate the rental amount. According to the rental prices nearby, Jiang Xue could get some money back to offset the mortgage if she rented the house to the company.

I looked at the house carefully again, and I liked it more and more. "Can it be less?"

"The landlord has already spent more than 100,000 or 200,000 yuan on the renovation. You know, in some small cities, this amount of money could be enough to buy two houses. The landlord is waiting to use the money, otherwise he would not be willing to sell it. To be honest, the landlord's minimum is 4.45 million yuan. Other deed taxes and agency fees are all stipulated and cannot be reduced.

"Okay, you help me make an appointment with the landlord, and we'll go through the rest of the process. I bought it!"

Then they signed contracts and made payments, and signed various documents. Jiang Xue was busy until dark before she returned to the hotel. Gao Meimei went out to buy food. While Jiang Xue was waiting for the meal, she called Jiang Xinyi and said, "The house in Kyoto has been rented."

"Didn't you say you wanted to buy it? Why are you renting it?" Jiang Xinyi asked puzzledly.

"The company does not have the conditions to purchase, so it rents." He then explained in detail the company's regulations and standards for purchasing a house.

"How much is the rent? How big is the house? How is it decorated?" Jiang Xinyi asked curiously.

"The total area of ​​the house is 372 square meters, a two-story villa. Can you leave the company? Ask the accountant to calculate the remaining money on the books, and we will divide it. Bring your card, take a plane, come and take a look, you will definitely think it is suitable."