"Brother, something is really wrong!"

"You really think too much!"

"No, brother, didn't we say we took out a loan to buy a house? How come it turned out to be 80,000,000 yuan, and the house was bought in full?"

"Forehead……"

yes!

I was so guilty that I forgot about the real thing!

He thought Teddy discovered that half of the people on Datai Road Bridge were Tiancheng...

Ge Xiaotian ignored the little star and lit a cigar given by Lao Hong to hide his embarrassment, "Eighty million is a bit difficult!"

"Where's the difficulty?"

"A loan!" Ge Xiaotian took out a pen and paper, "Based on a 20% down payment, you can probably buy... a house worth 400 million. Can you get it with a loan of 320 million?"

"Witches!" Teddy was shocked, "Why on earth did I buy so many?"

"Let's do this, I'll settle the account for you!" Ge Xiaotian took out a new piece of paper again.

Teddy suddenly had a bad feeling.

In the past, every time I saw my eldest brother take out a pen and paper, someone would bleed profusely.

And today, it’s my turn again!

Forehead……

Why add another one?

"Brother, please stop talking!"

"No, let me explain it to you first, so that you don't think I cheated you!"

"No, how is that possible? Brother never cheats on me!"

"Listen first!" Ge Xiaotian put down his cigar, "Let's start talking from the early 1990s, taking Xiangxian County as an example!"

"In 1993, the per capita salary was 260, and the house price was 100 yuan."

"In 1994, the per capita salary was 360 yuan, and the house price was about 200 yuan."

"In 1995, the per capita salary was 420, and housing prices... were in economic crisis at the time, so they didn't rise much."

"The economic crisis lasted until 1998, during which wages and housing prices increased by tens of dollars every year."

"Until 1999, the per capita salary was 580 yuan and the house price was 700 yuan."

"By here, you should be able to feel that housing prices have exceeded per capita wages!"

"This year, we are all engineering people, so you should also understand the labor and commodity prices!"

"In other words, by the millennium, the per capita salary will rise to 680, or even 700, and housing prices will exceed 1,000!"

"According to this trend, the per capita salary will increase by 100 per year in the future, but housing prices will increase by 200 or even 300! Well, we need to make a formula!" Ge Xiaotian opened his laptop, created a table, and entered the data.

"But, you have to consider that next year, China may join the WTO, and many places will begin to integrate with international standards."

"In other words, after 2005, the per capita salary will no longer increase by 100 per year, but by 300, or 500!"

"In 10 years, the per capita salary will reach 2,500."

"In 15 years, the per capita salary may exceed 4,000!"

"With that being said, let's look back at the housing prices."

"Wages are rising, prices are rising, costs are rising significantly, and land is getting more and more expensive..."

"By 2005, housing prices in Xingyue Bay, Xiang County will exceed 1,500 yuan."

"In 10 years, it will exceed 4,500!"

"In 15 years, it will rise to 6,000 or even 7,000!"

"I won't go into details later, tens of thousands are possible!"

"Now that you have bought a house with a loan, you need to repay the average monthly payment for each house. Well, do the math... loan of 200,000, 20-year term, 6.02, interest rate reduced by 10%, 54,200, 130,000 interest, totaling 330,000, equal amounts

The principal and interest, the monthly payment is almost one thousand three hundred and seventy!"

"For comparison, ten years later, the per capita salary will be 2,500, and the house price will be 4,500! 120 square meters, 540,000!"

"If you carry it for ten years and sell it, you can make 110,000 yuan!"

"Of course, you don't have to sell it and rent it instead!"

"Based on Xiang County's current development, employment, environment, etc., the per capita salary and housing price in ten years will definitely exceed our estimates. At 120 square meters, the monthly rent will be 1,500 yuan."

"So, you won't have to pay back the mortgage then, and the rent will be offset against the loan!"

"In another three to five years, wages will rise, prices will rise, and rents will rise, but the mortgage will still be around a thousand yuan. You will make a pure profit!"

After Ge Xiaotian finished speaking, he listed the house prices and wages in the past 20 years, pointed out the huge gap above, dragged the table into the trash can, and then cleared it.

Then pick up the white paper next to it, turn on the lighter and light it.

Letting Teddy buy a house does not mean that his own house cannot be sold.

But it feels...

Tai Tai is rich!

Pens, inks, paper and inkstones, plum blossoms, orchids, bamboos and chrysanthemums, they are not just in need, they are high-income earners. Since you meet rich people, why not kill them?

Ge Xiaotian picked up the cigar and took a sip, spit it out slowly, looked at Teddy and the little star, nodded his forehead, "Only people with great wisdom can see through this pattern, and I won't tell ordinary people!"

The latter two looked at each other...

There is actually a kind of bastard who looks at mung beans...

Damn it!

Ge Xiaotian was shocked, wouldn't there be sparks?

"I'll buy it!" Teddy didn't hesitate for long, gritted his teeth and took out his cell phone.

"It's a bit difficult. Real estate worth RMB 400 million, down payment of RMB 80 million, loan of RMB 320 million. I guess no bank will grant you a mortgage loan!"

"It's okay, I'll call my godmother!"

"Huh?" Ge Xiaotian had just puffed on his cigar and had not yet spit it out. He almost choked to tears when he heard the word 'godmother', "Your godmother?"

"Yes, the president of Dongshan National Bank!"

"..."

You're awesome!

No wonder in another time and space, Datai Construction has grown bigger and bigger in the real estate industry...

If Tiancheng and their grandfathers continue to fight to the death, they may not be able to win.

After all, Datai Construction never lacked money from the beginning to the end!

Thirty million dollars will be spent on Xiang County, and thirty million dollars will be spent on Liang County. Why should we spend 50 million project funds first to build roads?

By the way, the first 50 million loan was taken out by the card owner...

mmp, maybe it’s not because the bank has no quota at the end of the year, but because of this!

"Why are you looking at me weird?"

Teddy couldn't bear the scrutiny of his elder brother and the little star, "I don't recognize it! It's the daughter my grandfather recognized when I was a child. They can't have children..."

"Wait a minute!" Ge Xiaotian felt like he had discovered a shocking secret, "Your grandfathers can't have children, what about you?"

"You come to old age!" Teddy rolled his eyes, "My father was frail and sick. He married my mother when he was fifteen, but he died before I was born. When I was three years old, my mother was commanding a construction truck, and the foundation pit suddenly collapsed...

…went there too.”

"..." Ge Xiaotian patted him on the shoulder, brother, your story is a bit false, isn't it true that he was adopted?

"I was only three years old at the time. My two grandfathers were working in the bank and were very busy... Oh, Data Construction had not yet been built at that time. They were both public servants. In order to take care of me, I adopted a daughter and helped to take care of me. This continued until I

I was in the fifth grade of elementary school. When my two grandfathers retired, they felt that they were delaying their godmother's future, so they tried to find a way to send her to the bank... Later, the two grandfathers established Datai Road and Bridge. They needed to advance money for road construction, and the loan equaled business... Well,

During those years of reform and opening up, Datai Road and Bridge developed rapidly, my godmother was very capable, and my two grandfathers also held very high positions in the bank, so she was gradually promoted to her current position..."

At the end of the sentence, Teddy looked serious and said, "I'm not adopted, I'm biological!"

"Yeah!" Ge Xiaotian and Little Star nodded in unison.

"real!"

"Um!"

Teddy: "..."

Ge Xiaotian patted his shoulder again, "I'll talk to your grandfathers about the acquisition of Datai Construction. You make a call and we'll chat online!"

"All right!"
To be continued...