After a thousand years of trading, start a million barrels of oil

Chapter 21 Jiang Fan's Considerations
The sales lady was stunned, a house worth more than 400 million yuan, is this settled?

Rongcheng is also the capital of the province, and there are many rich people.
But it's really rare for people to book a house of more than 400 million yuan for the first time.

In particular, it was a student couple who did this, which was unique among the house buyers she had ever met.

The sales lady settled down, she was obviously more enthusiastic than before:
"Okay sir, you can tell me about your specific situation. If it is the first house, a down payment of 30% is enough.

If it is a second suite, a down payment of 50% is required.

We have branches set up by various banks here, and I can take you to learn about their respective policies. "

"What's the current loan interest rate?" Jiang Fan never thought that he could afford a house, so he didn't always pay attention to the latest information in this regard.

The sales lady explained: "Currently commercial loans use the LRP interest rate calculation method, and the latest interest rate is 5% for 4.6 years."

"Oh, that's only 4.6% of the loan payment per annum, right?"

"Yes, this is a commercial loan. If you have a provident fund, you can also use a combination of provident fund and commercial loan."

"Yes, I have it." Jiang Fan's payment in the CNOOC provident fund was okay.

"Okay, commercial loan + provident fund, then do you choose equal principal or equal principal and interest?"

"Isn't it more cost-effective to equal the principal?" Jiang Fan still knows something.

"That's right, but the initial repayment of the equal amount of principal is also a lot, and the pressure will be greater at the beginning, why don't I calculate it for you separately." The sales lady said and took a piece of paper to show Jiang Fan the calculation.

"Wait a minute, or I'll pay in full." Jiang Fan interrupted suddenly,
Originally, he thought that although he had a lot of money, he had a provident fund and his first house, so why not use so many discounts for nothing?

And after all, it's not completely clear with that level, and he still uses the guise of 'friend', so he doesn't want to be too high-profile.

So I planned to do a loan at the beginning.

However, during the chat with the sales lady, he suddenly thought of something,
Although this can delay some payments and get some bargains, the procedures are very troublesome.
Moreover, the mentality of the parents' generation is always more or less worried about such things as loans, and always feels that the house does not really belong to them.
In case of a certain situation, there is still the possibility of being taken back by the bank.

What's the point of making money to buy a house by yourself if you end up worrying your parents?
So don't think about low-key or not, just pay in full.

The sales lady was taken aback by Jiang Fan's operation, this little brother really exceeded her expectations today,
First, she was surprised to get a 400 million house directly on the spot, but now she has to choose to pay in full, which rich second generation is this?

If it wasn't for such a beautiful little girl next to him, she would have added a WeChat account to win over her.

Lin Wan was also shocked. Jiang Fan's total assets were only 500 million. Before repaying his relatives and friends, he seemed to have repaid 80 million. He only had 400 million left to pay off.
This time, another 410 million was directly sent out, and there was basically nothing left.

But this is a finished house, and it will cost money for maintenance funds and furniture soon.
After all, the hardcover is just to help you with the hard decoration, and you still have to buy the soft decoration such as furniture and cabinets yourself.

In addition, water and electricity, property, parking spaces and other monthly fixed expenses are not a small amount of fixed expenses.

In this way, not only did he spend all the money in his hand, but it seemed that it was not enough.

So she was thinking, brother Jiang Fan didn't settle the accounts clearly, and only considered the first installment?
"Brother Fan, it will cost money for maintenance funds and renovations." Lin Wan gently reminded Jiang Fan by pulling his arm.

Jiang Fan smiled at her: "Don't worry, it's enough."

He is a member of the professional negotiating team, how could he not be able to figure this out,

But he really has enough money, more than one billion, so he can only buy more than 300 sets.

Seeing that Jiang Fan was convinced, Lin Wan didn't say any more, just believe in Brother Fan.

"Then you two rest here, I'll pour you a glass of water, and then I'll prepare the materials for you." The sales lady hurriedly agreed, her brows couldn't hide her joy.

"Okay~" Afterwards, Jiang Fan only needs to sign and pay.

"Brother Fan, I'm going to go to the bathroom." Lin Wan has been thinking about helping Jiang Fan choose a room, and hasn't used the bathroom yet.

"Okay~" Jiang Fan sat down in the rest area and waited for them.

At this time, a 50-year-old aunt who was dressed in a foreign style walked in with a bag, and a sales lady went up to greet her.

When the aunt followed the sales lady to the sand table, like other aunts, she liked to look around, and immediately saw Jiang Fan sitting in the rest area.

'It looks a little familiar, who is this? Auntie saw that Jiang Fan's face was familiar, and pondered.

Suddenly remembered, isn't this the kid from Lao Jiang's family?Why is he here?
After Jiang Fan's family rented a house in Rongcheng because of his father's medical treatment, they lived across from this aunt's house at first.

The two families often met in the corridors and always greeted each other. They were acquainted, and they knew the situation of Jiang Fan's family, but they didn't go around too much.

Later, the aunt's old house was demolished, and she heard that she had made a fortune, so she transferred the current rented house, and used the money from the demolition to buy another house in the urban area, and the two families had no connection.

At that time, Jiang Fan was still in junior high school, but he had already figured out a handsome guy, so Auntie still remembered him after so many years.

"Xiaofan?" Auntie asked half tentatively.

"Eh?" Jiang Fan heard someone calling him, he also looked up and found this aunt.

"Aunt Yang, what a coincidence." Jiang Fan still remembered this neighbor, after all, her adult appearance hadn't changed much in recent years.

"You are also coming to see the house." Jiang Fan said something out of words.

"As you said, you must come here to look at the house." Aunt Yang slapped her hands and said, after realizing Jiang Fan's words, she asked with curiosity and doubts:
"Are you also here to see the house?"

"Ah yes." Jiang Fan didn't hide anything.

Aunt Yang's expression was a little weird. Although she hadn't seen her for many years, she still had a few friends who danced in the square in the old community.

I often chat with them, and sometimes talk about Jiang Fan's mother Zhou Menglan's family,
I remember not long ago I said that their family was still as poor as before, and the property fee sometimes had to be delayed for a month.
Why did you suddenly come to buy a house?Still such a nice neighborhood.

Guessing that most of the time, I came to take a look, understand the market, and don't plan to buy it?
But it is definitely not easy to ask in front of others, so he said: "Then you are busy, Auntie, go and have a look."

After being polite, I followed the sales lady to see the sand table.

Aunt Yang is changing houses this time. The location she bought with the demolition money was not very good, and the area was a bit small, only 70 square meters.
It just so happens that the loan has been paid off in recent years, so I put that house up for sale, planning to make some adjustments and buy a larger apartment.
It just so happens that the location of this place is also good, she is very satisfied, so she deliberately chose a sunny day to come and have a look.

After listening to the sales lady's introduction, she looked at the model room, and she was quite satisfied with the 89-square-meter and 100-square-meter.
But I am also hesitant. The total price of 89 square meters is about 230 million. If you sell the old house, you can pay [-]% of the down payment. The pressure is less.

A 100-square-meter house costs 260 million yuan. The old house can only be sold for more than [-]%, and the monthly mortgage pressure will be slightly greater.

'It's hard to choose. 'But fortunately, Aunt Yang just came to inquire about the price this time, and she didn't plan to make a decision on the spot.

So after writing down all kinds of information, I asked the sales lady for a floor plan, and then I planned to go back and discuss it with my family.

And at this time, the sales lady serving Jiang Fan was trotting over here with the signature materials.

(End of this chapter)