Rebirth of the Almighty Internet Celebrity

Chapter 98

Talking about the future "food celebrity", everyone chatted in a warm and harmonious atmosphere.

It should have been very harmonious.

It's just that at the beginning, Qiqi, a little girl, gave a bunch of bad comments outspokenly to the more than ten main dishes ordered by Principal Li.

The atmosphere at the scene was a bit awkward.

Fortunately, everyone found a topic that we could talk about together, and successfully diverted the slightly embarrassing topic before.

Next, "closer to home", we talked about the purchase of the former site of "Liwu Village Primary School", but there were twists and turns.

The twists and turns came a little inexplicably.

It is difficult for several experienced businessmen to judge the next trend. Will it end in a small disturbance?Or a big storm ending?

Here's the thing -

After she stopped paying attention to "Li Ziqi", Wu Xia and Qi Dahai chatted about business affairs, especially the news about the circle of friends they had a close relationship with.

Qi Dahai is quite smart, and he dare not "show off his wealth" a word in front of Wu Xia.Just showing off his life experience and worldly experience.

Qi Dahai knew that with his little "financial resources", he could be called a big funder in the eyes of President Li and his like, but in Wu Xia's eyes, he was nothing more than a successful entrepreneur.

This is not surprising.If Wu Xia uses her father to "benchmark" other business people, whose "status" cannot be lowered three levels in a row?
Since in Wu Xia's eyes, few people in this business world can be called real rich people.Of course Qi Dahai was smart enough not to show off his wealth to Wu Xia.

Apart from "flaunting wealth", Qi Dahai doesn't talk about anything, he can talk about whatever comes to mind.

Since he had decided to inspect the plot of "Liwu Village Elementary School" before coming here, Qi Dahai focused on showing off his rich experience in real estate investment.

From the land prices of major first-tier cities in China to the land prices of various famous tourist cities, Qi Dahai is like a treasure.

In particular, the two major cities, the Imperial Capital and the Magical Capital, Qi Dahai knows the price of the plots in each district of the city in more detail.

He spoke eloquently, with the air of berating Fang Zun and pointing Jiangshan.

For the overall real estate price trend, no one knows better than Liang Teng.In just a few short years, the prices of commercial housing in domestic cities, big or small, have risen several times.

For example, the real estate prices on the fifth ring road of the imperial capital are about six to seven thousand.

This price is simply an astronomical figure for ordinary people in this city whose housing prices have just broken through the 1500 mark.However, in just ten years, the housing price on the fifth ring road of the imperial capital has risen to around [-] per square meter.It has increased tenfold in ten years.

The housing prices in the city where Liang Teng is located have also risen to seven or eight thousand per square meter.

Liang Teng hadn't been born again, how could he have imagined that in just ten years, the local housing prices could rise to the level of the imperial capital ten years ago?

Some of the deepest past life impressions in Liang Teng's mind are friends or colleagues who bought a house in the early days, showing off their vision and uniqueness to him.

The most representative one is Jia Shengping, a colleague who later went to Shanghai to work.

Around [-]s, Jia Shengping resigned from Liang Teng's company because he married in Shanghai, and found a new job in Shanghai.

Both Jia Shengping and her husband are keen on investing in real estate.Afraid of affecting work, the two parents-in-law are also working hard, and they don't even have time to ask for children.After working hard and saving money for several years, I finally accumulated more than 30 yuan.

In addition, both the male and female are the only seedlings in the family. The parents of both families have a little savings, and they supported the young couple with another 30 yuan.The couple has nearly 70 in cash on hand, and they can buy a large four-bedroom suite in Shanghai with all the money.

Not bad!

Compared with the later generations, the housing prices in the magic capital in the past nine years are so cheap!

Six, 70 yuan, in future generations, even the down payment of many real estate properties in Shanghai is not enough.In the [-]s, you could buy a big house with all the money.And the location is still very good.

Liang Teng's female colleague is really bold.After discussing with her husband, she could buy the next house with the full payment of 70 in cash. The two of them actually bought ten houses in one go by paying only the down payment.

Don't be surprised.At that time, the real estate market was not hot at all. In order to promote sales, many real estate projects offered a [-]% discount on mortgage purchases.

Even the "down payment" installment trick that is often used in later generations has been used.

That is to say, if the down payment is 6 yuan, if you don't make up the [-] yuan at the moment, you can make up the money within two years, and the first payment of a few thousand yuan is enough.As for the bank's mortgage loan, you need to wait for you to pay the "down payment" before applying for it.The formal purchase contract will not be signed until then.

Of course, they didn’t say that when they advertised, but directly used the gimmick that “9000 yuan can be used to start a business within the 5th Ring Road”.

The ultra-low down payment to buy a house made Jia Shengping ignite a strong enthusiasm for real estate investment.She and her husband really took nearly 70 yuan to buy nearly ten houses in Shanghai, large and small.

The next five or six years were the darkest and most difficult years in the lives of Jia Shengping and her husband.

The bank repayment of the ten houses, the monthly expenditure is as high as nearly [-] yuan.

And the salary income of the two parents-in-law combined is not enough to eight thousand.

In terms of income alone, there is a gap of two to three thousand yuan in repayment.

Moreover, the two parents-in-law are not robots, and they also need to eat, drink, and communicate with each other. No matter how economical the expenditure in this area is, based on the prices of the year, they must spend more than 2000 living expenses.This is still the burden of the two parents-in-law without children.The recognized big spending on education has yet to materialize.

In addition, Jia Shengping and his parents-in-law were in very good physical condition during that time.Under the high-intensity work pressure for five or six years, I have never had a serious illness.The number of petty criminals is also very small.

However, comparing income and expenditure, there is still an obvious income gap of more than 5000.

Fortunately, among the ten houses purchased by the couple, five were existing houses.

The couple chose the largest existing house and lived in it themselves.One room for two people is enough, and there are spare rooms for the parents of both parties to live in.

The woman's parents work at home in the countryside, and their income is not stable.The man's parents retired in a small city with a meager pension.

In this case, whichever parent wants to live in Shanghai, they can do it at any time.Also available anytime.

On the contrary, Jia Shengping and his wife were busy with work and had no time to travel with the elderly, and they dared not travel.Afraid of spending money.

One of the five existing houses is for self-occupation, and the remaining four are for rent.According to the market conditions at the time, the four suites had a total rental income of more than 2000 yuan.Sometimes more, sometimes less. In short, when the rent was the highest, the total rent did not exceed 2500 yuan.

The rent received, of course, was used to pay the mortgage.

In this way, there is still an income gap of more than 2000 and [-] yuan, which needs to be filled.

This part will be filled by the man's parents who have pension income.

After spending such a large chunk of the poor old man's retirement pension, there are only a few hundred yuan left to spend freely.Their daily consumption basically comes from these hundreds of dollars.

Now, not only young couples dare not get sick, but even elderly parents dare not get sick.

After suffering like this for five or six years, both husband and wife suffered unspeakably.

They were all older and late married people when they got married.When dating a partner in a long-distance relationship, the man was 40 years old and the woman was 37 years old.The man was 43 years old when they got married, and the woman turned 40 in two months.To put it bluntly, he is 39 years old.

Then he fired ten houses in one go, faced with the high pressure of repaying the loan, and never dared to have children.After six years of hard work, the man is 49 years old and the woman is 46.

At this time, the price finally increased significantly.Although it has not reached the level of skyrocketing, the house price has also doubled to three times.

Think of all ten houses with 30-year mortgages.After six years of repayment, that means there are still 24 years of repayment pressure left.The two couples are getting older, and if they don't want children, it is estimated that the hope of conceiving is quite slim.

So Jia Shengping and his wife resolutely sold two of the ten suites.

The two houses sold are quite large in area, and the market price has risen to 180 million for one. The price for the two houses is about 360 million.

But beware!A very critical question!
A few years ago, the couple did not have the money to buy the house in full, so they only paid a down payment of about 360%.So even if the market price of the two houses is as high as 20.00 million, they can only get about 70% of the huge house payment.That is about [-].

The 70 yuan actually obtained is not a pure profit.This sum includes the 18 yuan invested by the two of them in the "down payment", and the money invested in these two houses over the past six years, which is more than 10 yuan.In other words, the 28 or so is the cost of their investment.

In short, the two houses were sold for 360 million yuan. After deducting the money they paid back to the bank, the real money the couple got was about 70 yuan.

The money, although still not enough to pay off the remaining 8 years of the remaining 24 suites of the loan.But it also greatly relieved the pressure on the couple.

In addition, for the remaining 8 houses, the two parents-in-law were very shrewd and adopted the "repayment method" of paying "principal" and "short-term interest" at the same time.

Instead of the "30-year total interest" plus "30-year total principal" commonly used by house buyers, it is divided into 360 installments, and the same amount of repayment is paid in each installment.

(These two repayment methods actually have professional terms. The former is called "equal principal repayment", and the latter is called "equal principal and interest repayment". It sounds awkward to non-professionals.)
The above two repayment methods, of course, are the former repayment method at the beginning, and the monthly repayment amount is higher.But it has the advantage that the "principal" has been repaid month by month. The "principal" is constantly decreasing, and the "interest" that needs to be repaid in the end will gradually decrease with the increase of the year.

This method of repayment is generally not approved by banks in later generations to lenders.

But when the two parents-in-law applied for the mortgage, they were not so strict, and the application for "equal principal repayment" was easily processed.

In addition, the requirements for the "down payment" of housing loans in later generations should not be lower than 30.00% of the total price, and many places have clear requirements.The down payment for buying a second suite must not be less than 50.00%.If you have more than three sets of mortgages, you will not be approved directly...

It can be seen how great the regulation and control of the real estate industry in later generations is!But in the 90s, even a [-]% down payment did not stimulate everyone's enthusiasm for buying a house, which is really embarrassing in retrospect.

In short, Jia Shengping and his wife realized two houses. In addition to repaying the bank loan, after the release of the property rights, they had nearly 70 in cash on hand.

The 70 yuan was quickly used by the husband to repay the loans in advance for 8 of the remaining 3 suites.

For those three houses, part of the principal has been repaid in the past six years.Coupled with the early repayment of the loan, the interest on the house payment for the next 24 years has not yet been generated.What Jia Shengping's husband needs to repay is mainly the principal that he initially applied to the bank.

In short, with nearly 70 yuan in hand, the two parents-in-law managed to take down all three houses with a layout of 3 bedrooms and 2 living rooms.

good!Just bought it in full.

The most important point here is that they used the house price of more than 3000 yuan per square meter in that year to get 3 suites in full.Now the housing prices in Shanghai are more than 1 per square meter.The value of the three suites won by this full amount alone exceeds 500 million.

This can completely calm down.Even if the mortgage is not paid, the other houses will be paid to the bank. With the three houses they own, the couple have successfully become rich.

Of course, when housing prices are soaring, this kind of thing of cutting off the payment and abandoning the house will basically not happen.

In short, there are only five houses left for the two parents-in-law to really repay.

In the past six years, the domestic price level has continued to rise, and correspondingly, the wage income of the couple working in the enterprise has also continued to increase.

Let's put it this way.Six years later, my husband's salary alone will be enough to pay the bank mortgage loans for the five houses.Miraculously, I still have a balance of more than 1000 yuan.

There are also some very important incomes that are beginning to appear.That is, from the sixth year of house purchase, the couple owns these 8 houses, all of which are existing houses.In other words, except for one house for self-occupation, all the rest can be rented out.

And as prices rise, so does the rent.

The total rental income of 7 suites has reached more than 1.

Jia Shengping no longer works, and concentrates on staying at home to prepare for pregnancy and wants to have a child.

As a result, several years passed, and the housing prices in Shanghai had risen to [-] to [-] per square meter.When the couple bought a house back then, it was only about [-] per square meter.This is equivalent to directly doubling the house price by twenty times.

In those years, buying ten suites with full payment required about 700 million yuan, about an average of 70 yuan per suite (ten suites vary in size, and the average price can only be roughly calculated).

Now, the housing price has increased by 20 times. If you calculate it in general, the ten houses in those years are worth about 1.4 million now.

Of course, the couple sold the two houses with the largest area, leaving only 8 houses.For those two sets, the current house price is about 4000 million.No matter how you calculate it, the market value of the 8 suites owned by the couple is now over [-] million.

And there is an extremely important point, not only housing prices in Shanghai are soaring, but even rents have also risen to a terrifying level.

The housing price has increased by 20 times, and the rent is not so exaggerated, but it has also increased by nearly 10 times.

It can be said that with the rent income of the next few years, the couple paid off the mortgage loans of the remaining 5 houses in advance.

Pay attention!This is about paying off in advance.

In fact, their loan amount was only several million that year, and they had repaid the bank principal + interest for more than ten years, and the principal was quite a lot.In addition, after selling two houses, I paid back more than 70 in one breath.

For the rest of the loan principal, the couple paid off the bank loan in advance because of the sharp increase in "rental income" and more cash on hand.

At this time, there are still more than a dozen years left before the 30-year bank mortgage expires.

From making the decision to invest in real estate in Shanghai to finally acquiring 8 houses in Shanghai with full payment, and owning "fixed assets" with a market value of over [-] million, the couple has achieved a complete success.

It took more than ten years to complete the "small goal of earning [-] million first".

The couple are very happy.But I haven’t set any bigger or longer-term goals.

They belong to the typical petty bourgeois thinking of "a little wealth means peace".No grand ambitions either.

It feels that a wealth of over [-] million is enough for them to use it inexhaustibly for a lifetime.

What's more, the fixed assets of over [-] million yuan can continuously provide high rent returns.

Under such circumstances, Jia Shengping's husband also wanted to live a comfortable life.So he resolutely submitted his resignation to the company where he had worked for more than 20 years.

He is also over 50 years old. According to the retirement age of 60 years old, he can retire in not many years.But he has already paid off all the mortgages, and he is relaxed and stress-free, and he doesn't care that it will be two or three years before retirement.

Of course, it's not that I don't look down on the pension after retirement.

However, socialized management of pension contributions had already been implemented at that time.In other words, you can pay for your own pension insurance.

My husband doesn't care about the personal and business insurance premiums, he pays them all by himself.Moreover, he simply paid back the old-age arrears over the years for his wife Jia Shengping's pension insurance in one lump sum.Late fees are also paid.

After that, it is enough to pay the pension insurance of the two parents-in-law together year by year.

Now I have money.Both couples are free, except for waiting to receive their pensions.I still have a lot of time and money, either to travel around, or continue to work hard to make people, but I can live comfortably.

Of course, it is quite difficult for ordinary people to encounter a "perfect" life.

According to the couple's situation, the biggest regret is, of course, that they have earned Nuo Da's family property, but they have not given birth to any children from beginning to end.

As the years go by, the hope of having biological flesh and blood becomes increasingly slim.

There are many unsatisfactory things in life.The couple can take it easy, anyway, they have over [-] million in fixed assets.In a few years, there will still be pensions for pensions. Are you afraid that you will not be taken care of when you are old?
Two years before Liang Teng's rebirth, the couple even got tired of living in a big city and returned to Jia Shengping's hometown together.

Directly spent money to build a villa.

Jia Shengping actually came from Villa Village, a village adjacent to Liang Teng's hometown.

So when the woman went back to her hometown to build a villa, it was naturally built in the "Villa Village".

During the two years when he returned to his hometown, Jia Shengping’s favorite thing to do was to meet up with old colleagues, old acquaintances, and even new friends.

Moreover, Jia Shengping is very show-loving, often boasting about his history of becoming rich through investment.

She is not simply showing off her investment vision, but also generously rushing to pay the bill every time.

Although a group of old friends are familiar with the "Getting Rich" by female colleagues, they have become numb and tired without knowing it, but every time they see female colleagues scrambling to pay the bill, they have energy again next time and come back again. Facing the "bombing" of her "Sister-in-law Xianglin".

In fact, Jia Shengping is also lonely.

In her mid-fifth year, apart from showing off in front of familiar people, talking nonsense with relatives and friends, and traveling and playing mahjong, she really doesn't have many hobbies.Her source of happiness is also quite single.

Without children and grandchildren "Cheng Huan's knees", they can only find comfort among acquaintances, relatives and friends.

But others still envy Jia Shengping and his wife.

What everyone envied was their ordinary experience of accumulating wealth.

right!It's the ordinary way to get rich.

After all, at least six out of ten Chinese people will personally experience the matter of buying a house with a mortgage.It's just that Jia Shengping's "mortgage to buy a house" is bigger than everyone else's. Ordinary people use the whole family to provide one house, but his couple use the whole family to provide ten houses.

Except that the numbers are smaller than the two of them, in fact, the ups and downs of "mortgage to buy a house" are similar.

And the number of houses for housing needs to become larger, but it is enough to be ten times more courageous at the beginning.With that much courage, even if you don't offer ten sets, you can probably take the risk to offer several sets.

In addition to envying Jia Shengping and his wife for their wealth, everyone also felt that if they had the courage to provide multiple suites, they would be more likely to become rich, and they would still have a lot of children. Take care of one thing and lose another.

Chinese people are so confident.I don't know where this confidence comes from?
……

Liang Teng was very familiar with Jia Shengping's experience just because he had eaten dozens of "rich women's ex-colleagues" dinners in his previous life.

Liang Teng sometimes worked too hard and followed the crowd and had vulgar thoughts.I thought with envy: If I had the courage of my female colleagues to take out loans and invest in real estate, could I also "achieve the small goal of earning [-] million"?

The lazy envy didn't last long, and he was reborn through time travel.

So during the first one or two days of rebirth, Liang Teng was always in his mind, recalling the history of Jia Shengping's fortune, thinking whether he should copy it or not?
Later, the latest issue of "Xiaoliang Cuisine", which was invested with the "system" venture capital, had a sudden change, and it quickly became popular on the third day after Liang Teng's rebirth.

Because Liang Teng did not meet the expected "loss", he was so busy that he really didn't have the heart to pay attention to other investment projects.

It took a lot of effort to let the prospect of "loss" slightly overshadow the prospect of "profit", and Liang Teng could barely "take a breath".

It’s time to study the long-term development plans of investing in the real estate industry.

At this time, Liang Teng happened to be on the phone with his father. Teacher Liang mentioned the news that the old site of "Liwu Village Primary School" wanted to sell.

This news gave Liang Teng the feeling of "giving me a pillow when I'm thirsty for sleep."

After all, the funds on hand are extremely limited. If I spend several million to speculate in land, it is still "system" money, a "temporary quota", the kind that expires.

Anyway, if you have money at your disposal, according to common sense, of course, you can also copy the fortune history of your female colleague Jia Shengping and invest in Shanghai.

But the fact is otherwise.

If Liang Teng uses the "system's" "venture capital" to invest in Modu Real Estate, the "system" will fail.

Because investing in more than a dozen real estate properties in Shanghai has nothing to do with the company you are currently running.To put it more bluntly, the "system" does not allow you to directly use "startup funds" to invest in the real estate industry-this was "expressly stipulated" when the "system" was first activated.

The reasonable reason given by Liang Teng for purchasing the old site of "Liwu Village Primary School" was to build office space for the company.

This "excuse" is strong enough.In the end, the "system" had to compromise and gave a temporary "startup amount".

Therefore, although Liang Teng knows that now is the golden age of land purchases that is about to explode in the real estate industry, he still cannot directly copy Jia Shengping's profit model.

That model needs to wait until more than ten years later to see results.Liang Teng could wait, but he didn't really have his own capital.No money to invest.

Liang Teng's goal is very clear.If you want to get rid of the shackles of the "system" completely, the most convenient way is: you quickly use the power of the "system" to complete your personal "wealth accumulation".

This seems to be a bit of a mouthful.But it is not difficult to understand.

That is to say, the "wealth accumulation" in the early stage requires the continuous loss of the system's venture capital, and then through a special conversion algorithm on the "settlement date", the loss is converted into money in his bank card that can really be used as he likes.

When Kari's money accumulates to a certain level and is used to invest in the real estate industry... At that time, the "system" can't fault him either!

Liang Teng used his own money to invest in real estate. What does it matter to your "system"?
Of course it is!

He didn't violate his "agreement" with the "system" either! The "system" has no right to interfere.

In short, Liang Teng can now use his "startup funds" to purchase, and the only option is the former site of "Liwu Village Primary School".

……

Chatting with Boss Qi Dahai about his views on housing prices in various places, and making some appropriate comments, Liang Teng just had his mouth full.

However, once the conversation started, both Qi Dahai and Liang Teng discovered that their views had many striking similarities.It is inevitable to have a feeling of mutual sympathy.

The more Liang Teng chatted, the more he felt that Qi Dahai was easy to talk to. Taking advantage of his enthusiasm, he directly said to him: "Boss Qi has such a long-term vision, so he should really focus on the real estate industry in Shanghai. I believe that with the strength and connections of Boss Qi , if you want to get land at the best price in Shanghai, it's not difficult. I believe you definitely have the strength..."

"That's right!" Wu Xia took the opportunity to say, "Boss Qi should go enclosing land in the metropolis. For example, the small plots in this city can be left to our company. Our small company is small, and it is not suitable yet. We feel that the land of 'Liwu Village Elementary School' is not too big or too small, and the company can just eat it... I just don't know, is Boss Qi willing to fulfill it?"

After finishing speaking, Wu Xia, Liang Teng, and Principal Li all stared at Qi Dahai.See how he expresses his position.

Qi Dahai nodded, just about to speak.

However, his daughter Qiqi immediately grabbed the conversation and said, "My dad said a long time ago that he doesn't care that much whether he buys the land or not. But the key now is that I'm very interested in buying that land. My dad Don't buy it, I will buy it!"

Liang Teng and Wu Xia were extremely astonished by the words of this intrusive little girl.

(End of this chapter)