The Correct Strategy of Shirai Kuroko

And what about Chen Zixuan's uncle?After hearing his answer, the expression on his face did not relax just yet!

Instead, he continued to release this sense of oppression from the superior to the inferior to his nephew!

It wasn't until Chen Zixuan, who stared at the inexplicable pressure and stared at him, couldn't help but start to sweat slightly on his forehead, that he turned to a smile.

"Heh~ Brat, your answer is a bad one~ But it is indeed something a man should do, it seems that the little girl with two ponytails still has a great influence on you~ Okay, in two days When I'm done with the things at hand and I'm free, you can come to my house directly to find me, and I'll take you to get the vehicle transfer formalities."

After finishing speaking, with a trace of helplessness in his smile, Chen Zixuan's uncle, who was caught in this little behavior, lowered his head and lifted the boxed lunch on the desk in front of him, and took chopsticks to start eating again.

But what do you think, just when Chen Zixuan's uncle was about to use his chopsticks on the lunch box that Chen Zixuan brought him!

Chen Zixuan's next words made the lunch box that his uncle had just brought back on the table again.

"Uncle, besides this matter, there is one more thing I want to ask you."

"what's up?"

"I heard my aunt once mentioned that when you started your business, you only had tens of thousands of dollars on hand. A large Auman GTI truck with a load capacity of 48 tons is 20% of the price of a used car. Far beyond [-]. At that time, I heard from my aunt that, apart from my parents, there were not many relatives who were willing to lend money to you to buy a car and start a company. At that time, my family was also very ordinary. You can only scrape together tens of thousands of dollars at most, but when you started this transportation company, you brought up five imported new cars that required a down payment of about [-] yuan. Even if you have a loan, it is obviously far away. It was beyond your budget at the time! So I want to ask you..."

Speaking of this, Chen Zixuan's eyes froze instantly!Then, with an extremely serious look, he asked the uncle in front of him, whose eyes became more serious than when he asked him the question after hearing his analysis!

"At that time! How did you get the millions of dollars that you conjured up like magic to buy those five brand new trucks?"

"...What's your reason for asking this? If it's just for the sake of making your women have a better life in the future, then your question is clearly beyond the bounds!"

At this moment, Chen Zixuan's uncle seemed to get angry when faced with the question Chen Zixuan raised...

Author's message:

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cough cough!Not long after I got home, it may be difficult to write three chapters before twelve o'clock today, I will try my best~

Anyway, from now on, if this chapter is added, the third chapter will definitely be published!

that's all!

The other is to ask for votes! ! !

Chapter 110 VII Accompanying You Crazy

"It's indeed a loan, but it's not the kind of usury you think."

"what is that?"

"A home mortgage with a much lower interest rate than usury."

"A home mortgage?"

Hearing this, Chen Zixuan was a little stunned, because in his knowledge, he had never heard of a house worth 70 to [-] yuan, which could be loaned out for millions of dollars!

This is unheard of!

But facing Chen Zixuan's confusion, his uncle smiled silently at this moment.

"You must be thinking, how can you use a house of 70 million yuan to borrow more money than it is worth, right?"

"Hmm...that's counterintuitive..."

Seeing that his uncle explained the doubts in his heart with one word, Chen Zixuan could only nod and admit truthfully.

And what about his uncle?Looking at his curious eyes, he fell into a moment of contemplation...

After deliberating for a long time, he spoke again.

"It's actually very simple. Do you know the second loan of the house?"

"I know~ Isn't it just taking the house that has not paid off the loan and bringing it to the bank again... Wait! Uncle, you mean?!"

Having said this, a sudden realization appeared on Chen Zixuan's face!He seemed to have grasped what his uncle wanted to convey to him!

"Understood? Hehe, it seems that my nephew is not very stupid~ The quasi-loan interest rate of a general house bank is 100%, which means that a house of 70 million can only lend about 20. When I first started It’s just that I took the money from my first house loan and paid the down payment for the three houses, because the down payment for a house is more than a dozen or [-] at most, and it’s only tens of thousands of dollars. , and then use the money from the first house loan to buy the house with the down payment to make a second mortgage again, so that more money can be loaned out, and the money can be freed up to buy the house with a loan Several houses. In the end, all these houses will be used for secondary loans..."

"In this way...you can use Fangshengfang...to withdraw millions of dollars directly from the bank..." At this moment, Chen Zixuan finally understood what his uncle said.

In fact, his uncle's method is also very simple!It is to buy a house first with a down payment, and then apply for a second loan to the bank in the way of buying the down payment. After the bank accepts your loan application, it will advance your loan to the house. Pay off all the owed money, and then relocate the money from your house, and loan it back to you at a higher interest rate!

For example, as I said before, your house is worth 100 million, and you can loan about 70 through the way of housing mortgages, and then you use the 70 funds to allocate about 40 to buy two sets of value. A house of about 100 million, so that you can not only have 30 left, but also use your two sets of houses bought through loans to continue to borrow two 70, which is about 140 million, plus your previous With the remaining 30, your liquid capital becomes 170 million!

And what you did at the beginning was just to pay about 20 of your own money for the down payment of a house!

Of course ~ this is not the most important!The most important thing is that even if your business fails in the end and you can’t afford the high amount of secondary loans for these three houses, in the end, as long as you manage the relationship between the bank and the bank better, the bank will just make you unable to pay back. These three houses on loan will be taken back from you, and your credit will be hit to freezing point!Make it impossible for you to loan out a penny from the bank in the end!

There is a high probability of avoiding the risk of going to jail!

Of course, you still have to pay some liquidated damages to the bank~

So here comes the problem!If this method is used, which side should be the loser?

Is it a real estate developer?When the real estate developer sells the house, the bank has already paid the full amount of the house to the real estate developer!

bank?Since the house is mortgaged, when the mortgagor cannot repay the loan, the bank has the right to auction the house back!

Lender?Even if the borrower's house is repossessed by the bank, the loan of millions of funds has already been pocketed!

Then from whom did the huge funds of more than 100 million yuan come from?

The question... um!Or leave it to the readers!