Guangsha ten million

009

In 2008, with the successful conclusion of the Beijing Olympic Games, the Olympic economy began to cool down. In addition, the subprime debt crisis that broke out in the United States in the fourth quarter of 07 sounded the alarm, and the first large-scale real estate regulation began.

To be exact, the regulation started in the first half of the year, but the effect was not obvious, and it really showed its power in the second half of the year.

This is the first regulation that Chinese people have felt deeply since 01. The enthusiasm for buying houses has been hit in a very short period of time. In addition, they have been dissatisfied with the high housing prices before. Everyone expects that this round of regulation will reduce housing prices. go down.

Lakeside Famous Garden just launched the townhouses before the response to the regulation, but the response was not as expected. Only three units were sold, and the only owners of these three units are still trying to check out.There are still a lot of mortgages for the senior executives that have been sold before, but the bank's business volume has exceeded this year, and there is no loan quota as soon as October, and the backlog of mortgages will not be released until next year.

The customer knew about this matter from different channels. Affected by the bearish housing price, they negotiated with the bank account manager and asked to release it as late as possible.Many of the previous mortgage information was incomplete, and they simply found various excuses to refuse the mortgage.

According to the breach clause in the house purchase contract, Hupan Mingyuan sent lawyers' letters to those buyers who maliciously refused to go through the process. They didn't want the buyers to negotiate with the real estate on the grounds of protecting the rights and interests of the owners. Soon to be unbearable news.

It would inevitably cause panic and induce a wave of check-outs. Lakeside Mingyuan had no choice but to adopt a Huairou strategy and temporarily tolerated the phenomenon that customers did not apply for mortgages.

Funds became even tighter now, and by the end of the year, engineering units began to ask for project funds one after another, which really made matters worse.

At this time, Chen Yan was already able to take charge of his own affairs. Adversity can train people better than prosperity. For several days, he and Du Shen were discussing sales and withdrawal of funds.

"As for the mortgage, I have summarized the mortgage situation of our real estate in major banks in the past few days. 10% of the customers' mortgages have completed all the procedures before October, and they have not been released simply because there is no quota. There are [-]% of customers whose mortgage information is complete, because there is no quota in the later stage, the bank has not yet handled the approval and mortgage business, and the remaining [-]% are those who deliberately did not do it." Chen Yan reported.

"Forty percent of those mortgages don't have to worry. When January 1 comes, no matter how good the relationship with the bank is, the bank will have to release it. Their business indicators are increasing every day. If these mortgages are not released, there will be no business volume. 1% have complete information. For those, try to build a good relationship with the bank staff, and try not to let them favor customers. The remaining [-]% can only be called constantly."

"The mortgage alone is not enough to pay for this year's project." Chen Yan said.

"The payment for the project is before the Lunar New Year, January 1th, and the mortgage will be released on January 26rd. These 1 days are a hurdle." Du Shen rubbed his temples, and it took a long time before he moved, and dialed a series of numbers .

"Hello? It's Manager Du. Why are you calling me when you have time?" It was Gu Xiaoyang's voice, and the words revealed that Si didn't want to answer the phone.

After the downturn in the housing market, Gu Xiaoyang did not show up again. The two houses he bought have not been sold yet. He only paid the down payment and did not apply for a mortgage.He was not responsible for sending the lawyer's letter last time. Chen Yan thought that Du Shen didn't send it because the other party was an intermediary with the purpose of real estate speculation. The nature was different and they were treated separately.Now it seems that Du Shen has been cornered and seems to be going to attack them.

"How's it going?" Du Shen asked.

"Business is difficult." Gu Xiaoyang sighed, as if he didn't want to talk about it.

Du Shen didn't let him get his wish: "It's difficult for you, and it's difficult for me. Come to the sales department tomorrow."

"What's the matter?" Gu Xiaoyang's rejection became more obvious.

"What? Of course I'm talking to you. You bought two houses from me and paid the down payment, and you didn't even bother to ask you to mortgage. Do you want to accept a lawyer's letter?" Du Shen scolded.

"Okay... the situation is not very good." Gu Xiaoyang muttered.

"Are you coming or not?" Du Shen was angry, and if the subtext doesn't come, don't cooperate.

Gu Xiaoyang understood the meaning in a second, reluctantly said: "Come..." and hung up the phone.

"Can you really convince him to take out a mortgage?" Chen Yan obviously didn't believe it. The two houses that Gu Xiaoyang bought were not of good size, they were simply cheap. It was easy to sell them when the market was good, but it is difficult now.

"Of course we can't talk about the two flats. He refused to send the lawyer's letter all over his face." Du Shen sighed.

"Then you still let him come?"

Du Shen didn't answer the reason, but said: "Tomorrow adapt to the situation and cooperate with me in singing."

"..." Chen Yan was at a loss again.

At noon the next day, Gu Xiaoyang yawned and entered the sales department of Lakeside Mingyuan.

Du Shen had been waiting early in the morning, and when he saw Gu Xiaoyang like that, he pushed open the window of his office and joked, "What did you do last night? You're so sleepy? Don't tell me you're serving a beautiful woman?"

"How can there be such a blessing!" Gu Xiaoyang replied as he went to Du Shen's office.

His parents passed away early, and left him a 40-square-meter old-fashioned middle suit for him to marry a wife.They don't know that the real estate market has changed dramatically in just a few years. When a girl sees this kind of house, she will immediately say goodbye to you.Gu Xiaoyang is rich now, and it is no problem to buy another house, but when he first entered the business, he had no money, and he was disgusted by people as soon as he went on a blind date.After a few times, Gu Xiaoyang thought it was funny, so he simply kept this room, and the girl would show it to her when she asked about it.

So successfully single so far.

Chen Yan and Du Shen were sitting together, seeing Gu Xiaoyang coming, he made room for a while.

Gu Xiaoyang greeted Chen Yan, sat down on the chair next to him, and began to complain as soon as he sat down: "I said Manager Du, you have seen the storm, and you should know better than me how this round of regulation is going to be." , is it worth forcing me to pay?"

"It's because I can see clearly that I came to you." Du Shen ignored Gu Xiaoyang's complaint.

Gu Xiaoyang looked helpless, explaining and retorting: "This round of regulation is not ready at all. By March next year at the latest, housing prices will definitely rise."

"That will happen in March next year. I'm going to celebrate Chinese New Year right now, and I'm short of money." Du Shen said bluntly.

"January is coming soon, and the mortgage will come down immediately."

"not enough!"

"Urge those who don't have a mortgage to do it. I heard that the bank will offer a [-]% interest rate in a few days. They all really want to buy a house, so the discount can attract them."

"What about you? It's all [-]% off, why don't you go do it?" Du Shen was not entangled by Gu Xiaoyang.

Gu Xiaoyang defended: "I am different from them."

"Equal treatment in extraordinary times."

"Manager Du..." Gu Xiaoyang wailed.

Du Shen gave Chen Yan a wink, and it was your turn to sing, and Chen Yan immediately said, "It's not that we have to force you, it's really a last resort, since you are optimistic about the property market, please do me a favor and help us get through this new year. "

"Why don't you help? I can tell you the benefits in advance, and Manager Du also agrees with my point of view." Gu Xiaoyang asked back.

"I..." Chen Yan sighed and spread his hands, "How can I have the money to buy it? Even if the year-end bonus is paid out, it's not enough to buy a bathroom."

Gu Xiaoyang obviously expressed his disbelief, and looked at Chen Yan. To be honest, he is not a fool. After getting along for nearly a year, he can somewhat see that Chen Yan's family background should have some background, so he can't even afford a house.

Chen Yan put on a puzzled look, pretending to be poor seriously, he is indeed rich, but he can't help Hupan Mingyuan, once he makes a move, what will happen to other properties under Baoding Real Estate?help too?That's impossible.

Chen Yan did not reveal his identity, but Gu Xiaoyang was also a smart person, so he resolutely refused to tell the truth, and he sold his favor, muttering: "You have no money, and I don't have much money."

"Gu Xiaoyang, that's enough, I've given you all the benefits, are you going to help?" Du Shen scolded.

Gu Xiaoyang had no choice but to stop, he heard what Du Shen meant, implying that Chen Yan's identity is not simple, okay!It's also good to have a relationship with this kind of person, so he said: "It's okay to help, but it's not about the mortgage of the two houses."

"What do you want?"

"Retire those two suites and change to a townhouse with a better layout."

Gu Xiaoyang's two flats were of poor floor type. They were bought for cheap at first, but now the real estate situation is not good. Defective houses can't be bought, but high-quality houses must be bought.

Du Shen was not surprised by Gu Xiaoyang's request, but he was not prepared to just take advantage of him: "Yes, but you have to get a mortgage."

"Manager Du..."

"Don't howl, since you are bullish on the property market, don't care about the mortgage. Even if you have borrowed for 20 years, you can repay the loan in advance within a year. The [-]% interest rate discount is accompanied by the entire loan cycle. The loan interest rate is calculated every year. Following the central bank’s latest interest rate adjustment, the [-]% discount remains unchanged.”

"Okay!" Gu Xiaoyang agreed, obediently followed Chen Yan to go through the relevant procedures.

Chen Yan was curious about both Gu Xiaoyang and Du Shen's belief that the regulation could not be sustained. Gu Xiaoyang cheered up and explained briefly: "The information between the various departments involved in real estate is not shared, and the industries driven by real estate are not ready to bear it. Banks, in particular, have not hit the mark on the regulation of individual real estate speculators."

Chen Yan thought deeply along Gu Xiaoyang's train of thought, and quickly figured out the reason.

However, Gu Xiaoyang, in the spirit of being a dead Taoist but not a poor Taoist, dragged down a group of intermediaries who were trapped in a famous garden by the lake. Everyone changed their row houses and even took out mortgages.

Hupan Mingyuan successfully survived the crisis at the end of 08.

Starting from March of the following year, housing prices rebounded, and Gu Xiaoyang and others finally resold the townhouse at double the price, earning a fortune.

The author has something to say: Preview~~The next chapter will start the emotional drama