"Twenty sets? Kid, aren't you kidding? This is a total price of 20 to 30 million yuan. Can you make the decision?" Mo Mo's words shocked the sales manager Tao Yuming again. He thought it was just a few sets, and it was estimated that ten sets were blown away.

But Tao Yuming looked at the faces of the people in front of him and didn't look like a rich man, but he should not behave like a person. He had a lot of knowledge. When the three adults nodded at the same time, it seemed that this little devil was really capable of making decisions.

"If it is five apartments, pay for all the money, and then the next point. If it is more than ten apartments, then one point will be missing." Tao Yuming replied in contemplation.

"Manager, there are only two points discounts, and the full payment is only nine points discount. We have seen dozens of properties, which are quite good than yours, and the prices are more favorable, but we haven't revealed that we have bought that many.

I believe that if they knew that we bought dozens of houses, they would sell them all for the cost price. Now in the financial crisis, if the economy is as sluggish as Little Rib, you can't sell this property for nearly ten years, and your boss has no money to pay off the loan, and you will jump off the building even if you want to jump off the building." Mo Mo's tone was immature, and with some strange sounds and fired cannons, it made the people around him laugh.

When Tao Yuming heard this, he sweated on his forehead and smiled. He didn't blame the little devil for cursing him, but admired his eloquence.

Next, the two sides bargained for half an hour, and finally there was a result. The house price went from an average price of 13,000 to an average price of 11,000 yuan, and the two units were down payment of 30%, and the others had to be paid in full.

Although it is the same building, the floors are different, and the housing prices are of course different. Mo Mo and the others have seen the house and directly chose the floor.

The two down payment apartments have a large area, both of which are 130 square meters, three bedrooms, two living rooms and two bathrooms. One is for no reason, and the other is for Mo Yao’s name. Calculate that each apartment requires a down payment plus deed tax and other fees of about 500,000 yuan. The commercial loan repayment is for a period of 30 years, and the monthly loan repayment is nearly 5,000 yuan.

This made Mo Hua and his son frightened. Their family really couldn't pay back the monthly repayment of 5,000 yuan. Fortunately, the house had been renovated and could rent out the house directly. They should have two or three thousand yuan in monthly rental income, which would reduce the repayment pressure.

The suites paid by Mo Mo Family are basically small, with an area of ​​between 90 and 110 square meters, with a total area of ​​1,800 square meters, and a total of 18 houses, which requires a 20.7 million yuan house payment, which does not include the first house payment and the deed tax fees of 18 houses.

If Mo Mo paid the house payment and tax, he would probably only have 1.2 million yuan left in his card by then.

One hour later, after the two parties signed the purchase contract, Mo Mo paid the deposit to the designated supervision account. As for the down payment house, the manager said in his chest that he could apply for a loan well, and that there was no problem with the highest down payment loan, so that everyone would not have to worry about anything.

With the help of the manager, and with the fact that there is no purchase restriction policy, Mo Mo's home purchase application will be signed online soon. Otherwise, there would be no need to deal with online signing in less than ten days. Then he paid various property taxes, paid the house payment, and finally transferred the property certificate and real estate certificate.

After completing all the procedures and obtaining the certificate, it took only two days to say it was rapid. Mo Mo really didn't believe in the efficiency of this work. If you follow the normal procedures, just use the property certificate, proof, find out the current status of the real estate, measure the area, and master the entire real-life information of the house, how can you do it in a month?

Of course, it takes a long time to get a loan for two houses with down payment, and it will take some time to get the property certificate.

"Children, since you are speculating in real estate, you can use these houses to borrow money and buy them again." Tao Yuming has been familiar with these people in the past two days and already knows that it is Mo Mo who is making the idea, so he fooled him.

Tao Yuming also realized that the money for buying a house was earned by the little boy, and buying a house was his decision. Both elders were dominated by him, which really surprised him and admired him ten thousand times. Now even children have made money to buy a house, and they still have twenty units to buy, which is more than their performance in the past three months.

"Can you do it? What do you need?" Mo Mo asked in surprise.

"Of course, but you have to take our plate. Forget the rest, it's good enough." Tao Yuming said firmly.

Mo Mo knew that the house he bought in full can also mortgage the house, but he was afraid that the loan procedures would not be so easy to handle. If he could apply for a loan, according to the manager's words, he would probably be able to buy more than ten more houses after the loan was completed.

Mo Mo decided temporarily. At first, his family disagreed and felt that the risk was too great, but he couldn't argue with Mo Mo's decision. The money was made by him and he couldn't pay it back in the end. At most, he sold a few houses to cash out and repay the loan.

Tao Yuming was eager for them to mortgage the loan again and promised to help them complete the bank loan procedures. However, the mortgage loan can receive up to 70% of the estimated mortgage, and the procedures will take a little longer.

In that case, Mo Yao could not go home in a short time and needed to stay in the capital for a while. After all, he needed to sign and transfer the property. Mo Mo was worried that his father would make mistakes in his work, so he had to accompany him in the imperial capital.

The next day, the father and son of Inexplicable father and son and Mo Wanqing took a plane home, and Mo Mo and his father stayed in the imperial capital for the time being.

Three days later, Tao Yuming notified Mo Mo and his son, saying that he had communicated with the bank and just came to go through the procedures.

Mo Mo didn't expect that he was quick to move, and he didn't know if he used money. If the father and son came to do it, it was still a question whether it could be done. Even if he could do it, under normal circumstances, he would have to wait for at least two months if he actually got a bank loan.

On September 1, Mo Mo and his son completed the bank loan procedures, and the loan arrived soon. They continued to buy the house according to the agreement.

The annual interest rate for bank loans is 7.20%, the contract is ten years, and the maximum repayment rate period is one year.

18 houses can be mortgaged for 14 million yuan, Mo Mo plans to buy 12 houses.

The interest rate for the first home this year is 4.5%, and there is no need for collateral. You can apply for a housing loan with a fixed source of income and provide a valid proof of income.

Now Mo Mo’s loan is a credit loan, with an amount of tens of millions and requires a house as collateral. It is a very lucky thing to be able to get a loan.

Nowadays, the monthly interest rate for private mortgage loans is usually 2 to 3 cents, and the annual interest rate is about 30%. This kind of usury is not a scam. Many real estate companies cannot find a bank to borrow money, so they go for usury. This kind of usury is relatively low.

If it is the kind of naked loan or usury in later generations, it is purely a scam.

In this way, Mo Mo's father's name has a total of 31 houses, all in one community.

Mo Yao said worriedly: "Son, now the loan is tens of millions, and we have to pay one million interest a year. We don't have that much money to pay it back."

"Dad, it's okay, the housing prices will definitely rise, only 7.2% of the annual interest rate. In recent years, the annual increase in housing prices has exceeded 10%. We are using the bank to make money, and we don't spend money in vain. I'll find a way to find a way to make interest, don't worry."

Mo Yao sighed and said, "Hey, I hope it can rise. If you lose everything in the end, just don't blame us." In fact, he was also a little excited. The 31 apartment is still in the imperial capital, which is much more than looking at the money.

If he could still make a loan, Mo Mo would definitely want to borrow another loan and continue to buy it. Eighteen real estate certificates were under the bank, and there were twelve unsecured property certificates. The manager said that he wanted to help him with the loan, but the bank did not dare to lend them for the time being.

First, by the end of the year, the bank loan task was basically completed. If it was the beginning of the year, it would be a good idea to have a loan; second, it felt that the risk of their father and son playing was too high, after all, the financial crisis has not yet passed.

If the manager thinks about himself, the loan will cost tens of millions, which is too much pressure for him. He doesn't have the confidence and courage to bet that housing prices can rise in the past two years. If housing prices continue to fall, it will be difficult to sell the house, and it will be troublesome to pay when the interest payment period is paid.

Mo Mo knew there was a policy of 4 trillion yuan in funds to leverage domestic demand, but the current policy has not been released yet after reading the news. Otherwise, it would be fine to use those twelve houses to borrow money.

I don’t know when the country will announce its policies, it shouldn’t be far away.

In the next two days, the two completed all the procedures for the twelve houses and obtained two real estate certificates.

The father and son planned to go home on the afternoon of the 4th. On the night of the 3rd before returning home, Mo Mo thought of another world once.
Chapter completed!