After returning from the house viewing, Li Youran went online to learn more about the property. This was just to be cautious. After all, it was a huge expense.
After inquiries, it was confirmed that the homeowner's quotation was not high, and properties of this level were very rare. Due to the large area, it was suspected of being extravagant and wasteful. Now the government no longer approves such construction projects, which is a typical out-of-print project.
goods.[]
Many real estate investment consultants comment that today's single-family villas have great potential for appreciation in the future, but Li Youran doesn't pay much attention to this. After all, he only lives in it and is not a real estate speculator. It doesn't matter whether the value appreciates or not, as long as he lives there
Just wear it comfortably.
He made the final decision that he must buy this house and solve the housing problem in one step, and he would not be too lazy to bother with it in the future.
The next step that lies ahead is the specific issue of financing for home purchase.
Of the total price of 10.5 million, I only have a little over 5 million on hand, so the immediate shortfall is 5.5 million. Not only that, the current taxes on real estate transactions are very heavy, and they are not light in the first place.
In the past few years, under the banner of regulating the property market, the government has stepped up its efforts. It has gained both a good reputation and benefits. It is said that many people still support it. The methods are really clever and tight.
These numerous and confusing taxes and fees add up, and the gap is estimated to be over six million. It is obviously impossible to find someone to borrow such a large amount, so the only way is to apply for a loan from a bank.
He browsed the relevant policies and regulations again and found that he was a houseless household and that he was buying his first house for self-occupation, so he should be eligible.
However, different places have different policies. Let’s ask Fatty. He is a member of the public and should know better.
Thinking of this, he picked up the mobile phone on the table and dialed Fatty Luo's number.
During the phone call, he first told the other party his plan to buy a house, and then asked about the loan.
"Damn it, you are too extravagant, you have a real estate worth more than 10 million, you are completely bourgeois and corrupt." Fatty Luo was quite shocked when he heard this number, and then he was filled with envy.
"Go, it doesn't matter. Business people are all over the place with money. Stop talking nonsense and I want to ask you about a loan." Li Youran urged impatiently.
"It's so irritating to see people compare to each other. I have a ninety-square-meter apartment here and it's incredibly beautiful. You've dealt such a heavy blow to my fragile heart. Hey, let me ask you."
Fatty Luo muttered and added another sentence, and then said that he would have to ask others to find out more clearly. Li Youran told him to hurry up, as he was eager to wait for accurate news.
It wasn't until noon that Fatty Luo called and said that he had asked someone about it and that this matter might be a bit troublesome. Current national policies strictly control real estate, bank loan thresholds have been raised, and review procedures are much stricter than in the past.
If it is an individual's first ordinary residence, let alone a high-end residence like this villa, bank approval is more stringent and has higher requirements on the customer's repayment ability, monthly income and annual personal taxes, etc.
Conduct an investigation.
Even if the application is approved, you will not get a discount on the loan interest rate, and it may even be higher than the bank's benchmark interest rate.
The most troublesome point is that what Li Youran wants to buy is a second-hand villa. In this case, the bank has to entrust a professional appraisal agency to conduct a price appraisal of the property. Generally speaking, the appraisal price is often much lower than the actual market price, and it can only be based on the appraisal price.
Fifty percent of the loan is disbursed.
After ending the call, Li Youran frowned and paced back and forth in the room.
My current identity is that of an individual industrial and commercial household, and my main industry is the bun shop. As for the agricultural products company, it is just an empty shell now.
A typical family with unstable income and high risk, because in the eyes of many people, those who open shops and engage in business can easily close down due to poor management. In fact, this is also the case. If it is strictly reviewed, it will be very difficult to pass.
Even if it is approved, based on half of the appraised price, the gap will definitely not be small.
It seems that you can't apply directly, you have to find someone to help you.
In my heart, I don’t actually want to engage in this kind of thing, but this is the national situation. In the hands of some people, policies can be square or round, long or flat, and there is a lot of room for movement.
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In the evening, on the east side of the first floor of Baozipu South Store, Li Fangcheng was playing a game console in his room. Huzi bought it a few days ago. It's called bo360. He connected it to the TV, lay on the bed and operated it with a wireless controller.
It has vibration, which is very powerful. The graphics are not much worse than those of arcade machines, and the content is also rich, including racing, gun battles, and fighting. I bought a bunch of CDs.
The two of them started playing with this and felt that the days of confinement were no longer so uncomfortable.
Huzi will go to school next week, and the new training class will start soon. However, during this period, when working at the aquarium store, as long as there are no customers coming, Huzi will study with Li Fangcheng's old textbooks, and ask him if he doesn't understand anything.
, after reciting it in this way, it is estimated that it will be very relaxed after the official start of the class. So Huzi no longer has any psychological pressure.
Li Fangcheng was having fun when the door opened and Huzi came in with two plastic bags in his hand.
"Close the door quickly, otherwise the air conditioner will escape." Li Fangcheng said quickly, but he turned on the air conditioner.
"I know, I know, here, let's take a rest and eat some shaved ice." Huzi closed the door with his feet, took out a paper cup from the plastic bag, and handed it to Li Fangcheng.
Li Fangcheng pressed the pause button on the handle, took the shaved ice cup, put the straw into his mouth, and took a sip.
"It's cool enough." He praised, and then asked: "You bought a shaved ice, why did you go out for so long?"
"I'm going to find Brother Niu." Huzi said, sitting next to him, taking out another cup of shaved ice and sucking it up.
"What are you doing with him?"
"Haha, he gave me a bottle of good stuff, I'm sure you haven't seen it before." Huzi had a mysterious look on his face.
When Li Fangcheng heard this, he quickly asked. Huzi then took out a tube of something that looked like insecticide from the bag.
"What is this, spraying mosquitoes?" Li Fangcheng was a little confused.
"It's for spraying mosquitoes, it's for spraying people. Next time I meet those yellow-haired and green-haired ones, I will use this to greet them and let them have a good time. Damn, last time I took advantage of the large number of them.
My nose is broken." Huzi said angrily.
I heard a while ago that the logistics department bought some of these things. It was said to be used for security work. The vegetable base was also equipped with them. He had been itching after knowing about it. He just went to find Brother Niu for a long time before giving it to him.
He got a can and said he was not allowed to use it indiscriminately, otherwise he would not be spared.
With a proud look on his face, Huzi began to explain the purpose and use of this modern self-defense tool to classmate Fang Cheng in detail!