Rebirth in officialdom: crush enemies and reach the top

Chapter 225 Buying a house with 0 down payment!

After hearing what Li Yunfei said, it was hard for Zhang Long to say anything else.

Just 2000 million, it’s better than nothing!

It’s just that this amount of money is a bit useless. It is not enough to continue to acquire land to develop new properties, nor is it enough to support the completion of the building ‘Jinxiu Tianxia’ under construction!

Moreover, the company has several loans that will mature in 2-3 months, and the total repayment amount exceeds 5000 million!

The total funding gap is nearly 1 million!

If the bank cannot get the loan, it will be dangerous, and the entire company's capital chain is in danger of being broken!

Zhang Long, who returned home, finally made a helpless decision after experiencing a period of mental infighting between heaven and man.

"Instead of waiting until the capital chain is broken, ruining your reputation, and being imprisoned, it is better to take these 2000 million loan funds and run away..."

As soon as Zhang Long made a decision in his mind, he began to estimate the possibility of successful implementation of the plan.

"The funds currently on the account can last for up to 3 months after filling the hole dug by my brother! Within these 3 months, the construction of the 'Jinxiu Tianxia' real estate project cannot be interrupted, otherwise it will be easy for others to see the clues! At present, the most The most important thing is to make arrangements for the retreat within these three months! Once everything is arranged and the 3 million bank loan is obtained, go abroad immediately..."

Zhang Long lit a cigarette, puffed out smoke, and talked to himself.

"As for my brother and I leaving the country, even if 'Splendid World' becomes an unfinished building due to a broken capital chain, I won't be affected... Although more than 2000 million is not much, it is enough to support it for a long time! "

"Okay, that's it! Pay off the gambling debt first, and then redeem your brother!"

Zhang Long snuffed out the remaining cigarette butts in the ashtray, then got up and prepared to arrange related matters according to the set plan.

But he quickly returned and sat down on the sofa again.

"No, there are still some off-plan houses in the 'Jinxiu Tianxia' project that have not been sold. We must find a way to sell these houses in the past two months... This way we can make another amount of money before leaving the country! After all, I and I My younger brother is used to a life of extravagance and debauchery, and if you think about it carefully, 2000 million is still not enough!"

Zhang Long frowned, lit another cigarette, and started puffing away smoke while talking to himself.

"It seems that the only way to do this is to resort to that damaging move..."

The bad move mentioned by Zhang Long was a phenomenon of house buying abroad that he discovered when he occasionally went abroad for inspection.

This phenomenon contains great risks, but risks are obviously not Zhang Long's concern at the moment.

As long as the remaining properties can be sold out smoothly, as for the subsequent risks, it has nothing to do with him!

But the implementation of this plan requires the cooperation and support of Li Yunfei and others!

Thinking of this, Zhang Long put out his cigarette again, took out his cell phone from his trouser pocket, and called Li Yunfei.

"Hello, County Magistrate Li, I am Zhang Long..."

"Mr. Zhang, do you still want to ask about the loan? Don't be so hasty, I have already said hello to the relevant leaders of the bank! No problem..."

Li Yunfei's tone contained a hint of impatience.

"No no no..."

Zhang Long quickly denied, "County Magistrate Li, don't get me wrong! I'm not calling you this time to ask for the 2000 million bank loan, but I have an important piece of advice related to real estate sales to give you!"

"What advice, you say?"

"Although ordinary people can now buy houses with mortgages and use a small down payment to improve their living conditions, the down payment is still a barrier to real estate sales! Because raising the down payment is still a difficult task for many ordinary people. Very difficult thing!”

Zhang Long said eloquently, "I suggest canceling the down payment threshold! Buying a house directly with zero down payment will stimulate the people's enthusiasm for home buying to the greatest extent. It can also speed up the sales of new properties and shorten the capital withdrawal cycle, and promote the real estate industry in Linzhou City. The industry is booming!”

This proposal is indeed bold!

When Li Yunfei heard this, he was shocked.

Because he clearly felt the risks this proposal might face!

If there were no risks, the central bank would not have stipulated that the down payment ratio for personal loans should not be less than 30% in the initial policy.

Although this down payment ratio was reduced to 1999% in 20, the restriction was still not relaxed!

Could it be that those experts who study real estate have not considered the possibility of zero down payment?

Certainly not!

The first person to propose buying a house with zero down payment would definitely not be Zhang Long!

Experts must have also studied the possibility of this plan, but finally gave up due to various reasons!

There is no doubt that this plan is extremely risky!

But everything has two sides, and high risks also mean high returns!

Once the policy of zero down payment for home purchase is announced, there is no doubt that it will completely detonate the real estate market in Linzhou!

In the comparison of risks and benefits, Li Yunfei prefers the latter.

And the real estate policy currently implemented in Linzhou is radical enough!

Why not be a little more radical!

Although he already agreed with Zhang Long's suggestion, Li Yunfei was still cautious and asked, "If the down payment for buying a house is cancelled, does it mean that the down payment should be spread evenly into the monthly payment amount each month? "

"Yes!" Zhang Long felt that something was wrong when he heard that Li Yunfei did not refute this suggestion!

"According to the "Personal Housing Loan Management Methods" announced by the central bank in 1998, the loan period that lenders can currently apply for shall not exceed 20 years! Although it was changed to 1999 years in 30! I think Linzhou can make slight adjustments and extend it To 35 years, or 40 years! In this way, home buyers can buy a house with zero down payment, and the monthly payment will not constitute a big burden, which is a great benefit to the real estate industry!”

Li Yunfei couldn't help but frown after hearing this.

Originally, the zero-down-payment home purchase policy was already in conflict with the regulations of the central bank. Even if it was to be implemented, it would still require negotiation from the higher-ups.

Now there is a request to extend the loan period, which directly makes the negotiations more difficult.

"It's better not to extend the loan period..."

Li Yunfei thought for a while and then said, "Let's just tentatively mention the idea of ​​buying a house with zero down payment. Whether it can be implemented depends on the attitude of the leaders!"

"I understand, then there is County Magistrate Lao!"

……

After ending the call, Zhang Long couldn't help but feel a little disappointed.

He also knew that it was simply unrealistic to expect Li Yunfei to promote such a major policy change!

It is estimated that the provincial and ministerial level cadres in Handong will have to negotiate with the leaders of the central bank to get the opportunity to implement the pilot project.

This will take a long time, and he may not be able to afford it!

Although he was disappointed, Zhang Long didn't particularly care.

Originally, this was an idea of ​​treating a dead horse as a living horse doctor. It would be great if it succeeded, but it would not be a big deal if it failed!

"The most important thing at the moment is to quickly pay off my brother's gambling debt with the money in the account! Rescue my brother. After all, those desperadoes will not show mercy!"

Zhang Hu hurriedly went to deal with his brother's affairs.

And Li Yunfei also hurriedly went to the Linzhou Municipal Party Committee and Government to report to Lu Hantian and Xue Wei!

Because real estate is currently the most important catalyst for Linzhou's economy, any suggestions that may promote the development of Linzhou's real estate industry are listed as the highest priority and urgency in reporting!

Lu Hantian and Xue Wei, who received Li Yunfei's call, had already been waiting for Li Yunfei in the municipal party secretary's office.

In this report, Li Yunfei did not notify the county party secretary Zou Hua, but directly passed Zou Hua and reported to Lu Hantian and Xue Wei.

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