Lin Yin has only one way to raise money, the same as last time - sell the house!
The two-bedroom apartment she lives in has an area of 88 square meters, and the three-bedroom apartment she rents has an area of 106 square meters. If she wants to raise more than one million yuan in a short period of time, she can only sell that big house. If we go back one year, in 2009
From the end of the year to the beginning of 2010, it was not difficult to sell, but during the period from the end of 2010 to the beginning of 2011, the second-hand housing market in Guangzhou was relatively sluggish.
In the first half of 2010, the State Council issued a new policy that increased the down payment ratio of mortgage loans for households purchasing second homes to 50%, and no longer enjoyed preferential loan interest rates, which to a large extent inhibited investment and speculation in housing hoarding, especially
The second-hand housing market has been greatly affected.
There are some things that seem far away, but the impact is very close to you. The U.S. real estate subprime mortgage crisis that began in 2007 evolved into the global financial crisis in 2008, with a slight relief, and then evolved into the European debt crisis in 2010, which surged.
Hot money in the domestic property market is finally showing signs of being withdrawn in batches.
China's investment stimulus policy launched at the end of 2008 began to shift in mid-2010 and began a new round of macro-control. Deliberately promoted by local governments over the past few years, the over-hyped real estate market has borne the brunt.
On the surface, housing prices have not dropped much, and those who cannot afford it are still unaffordable. However, the rapid upward trend has stalled, and speculative demand has shrunk. Especially in the sub-new second-hand housing market, it is difficult to sell at a high price.
Major international and domestic events seem to have nothing to do with it. What Lin Yin cares about is how to sell the house quickly and get the one million million in cash he wants. The housing prices in the surrounding area are not low. The second-hand housing market depends on the situation.
Prices range from 8,000 to 15,000 per square meter, but the transaction volume of high-priced large apartments is very sluggish.
If Lin Yin is not in a hurry, he can sell it or not. It is not a bad idea to price it at more than 10,000 yuan. But if he wants to get cash immediately in a short period of time, he may have to lower the price to below 10,000 yuan per square meter before the transaction can be completed. After deducting the handling fees
, it’s hard to say whether the money will be enough. Moreover, this house still has historical issues. She has already rented it out, and the lease has not yet expired. Now she wants to sell it, so she has to discuss it with the tenant.
That night, the five people got together to discuss the matter again. The three tenants did not bother about the lease term. Instead, they were worried about the landlord Lin Yin.
Xiao Yu hesitated several times. It was said that her family would definitely be able to get more than one million yuan, which was not a huge amount. However, it was a bit unclear to pay directly because the other party had no other repayment except selling the house.
The ability is either given away for free, or Lin Yin has to sell the house. The best way seems to be to buy the house himself.
But money is not spent so casually. Xiao Yu has no income of her own. This time she ran away from home again, and only has hundreds of thousands of pocket money with her. She neither wants to contact her family now, nor does she have any reason to spend it in vain.
He gave more than one million to Lin Yin's father to exonerate an unknown official who committed the crime.
Tu Su had no choice. On the contrary, You Fang knew what he was doing and was quietly pondering something. With the three paintings at the bottom, more than one million would not be a problem, but the matter in front of him was both an opportunity and a test.
Chen Jun's sincerity towards Lin Yin can also allow Chen Jun to win Lin Yin's heart completely, it depends on whether he is willing or not.
Pursuing Lin Yin involves both wealth and sex. I'm afraid even Chen Jun himself can't tell what his true feelings are. Someone else would be very serious about it, but when encountering this kind of thing, you can clearly see his true heart.
What would Chen Jun do if he didn't have those three ancient paintings?
Everyone was discussing the sale of the house, and Tu Su asked: "Brother You Fang, why don't you say a word? You have always been very capable, can you think of a good way for Sister Lin Yin?"
Xiao Yu sighed and said: "Xiao Su, do you really regard Brother You Fang as a god? Some things cannot be solved in vain. How do you ask him to conjure more than one million?"
You Fang suddenly laughed and said calmly: "Who said I can't make one million? This house can still be rented and we can continue to live in it, it depends on whether Chen Jun is willing to do so!"
Everyone else fell silent. Chen Jun frowned and said, "You Fang, if you find a way, just point it out and I'll just go."
You Fang asked leisurely: "Chen Jun, you're not married yet, and you haven't bought a house yet, right?"
Lin Yin and Tu Su were confused. Xiao Yu blinked and seemed to realize something, but Chen Jun slapped his thigh and said: "This is a way! It just requires five hundred thousand funds and a week's turnover."
You Fang asked: "How much savings do you have?"
Chen Jun replied sheepishly: "I haven't saved much money in the past few years. I only have a few hundred thousand left on hand."
You Fang nodded: "I can also lend you hundreds of thousands, and it shouldn't be difficult to find someone to come up with the rest."
Xiao Yu suddenly interjected: "You two each contribute 100,000, and I take 300,000. Isn't it just a week's turnover? As long as Chen Jun is willing, there will be no problem."
Lin Yin and Tu Su asked with wide eyes, "What are you talking about? We didn't understand a word."
You Fang smiled and pointed at Xiao Yu: "She understands. Let Xiaoyu explain it clearly. It's just a quick cash out from the bank."
You Fang's method may not be thought of by ordinary people, but the principle is not complicated. Chen Jun uses the money from Lin Yin's house sale to pay the down payment and buys the house Lin Yin sells! It is equivalent to conspiring to turn one left hand over the other and conjure more than one million in cash. The process
as follows--
Lin Yin sold the house to Chen Jun at a price of more than 14,000 per square meter, for a total price of 1.5 million. Chen Jun is not married and has never bought a house. He can apply for a bank mortgage loan and enjoy the treatment of his first house.
, a down payment of 30%, which means paying 450,000 first. It should be enough to prepare 500,000. The three people present will collect the money first.
After Lin Yin sold the house, he received the full payment of 1.5 million, and then took out a down payment of 450,000 and gave it to Chen Jun. Chen Jun paid back You Fang and Xiao Yu's money, which is a turnover.
Just one week.
Lin Yin did not suffer a loss. She sold the house at a high price in the shortest time, and finally got 1.05 million, which she could use to save her father's emergency.
This house became Chen Jun's. The down payment of 450,000 yuan was paid with Lin Yin's money from selling the house. He borrowed 1.05 million yuan from the bank in his own name and needed to pay the mortgage every month.
It's hard to say whether you will suffer a loss or not. Buying a house at a high price, but you don't have to pay the down payment yourself, is a difficult account to calculate.
More importantly, Chen Jun bought his first house so suddenly. In another situation, he might not have bought a house in this place at this price. Now it is to help Lin Yin.
Xiao Yu finally concluded: "This house still belongs to you. There is rent to collect, and both of you have income from work. It is not too difficult to repay the loan. The most important thing is to solve the problem at hand." What's interesting is that.
, she didn’t just talk about Chen Jun, but Chen Jun and Lin Yin, “you two”, if you can do this kind of thing together, you should be a “family” with complete trust in each other.
Tu Su Yingying's little mouth opened wide. It took her a long time to figure out the trick, and she asked thoughtfully: "Isn't this the same as mortgaging your house to the bank and getting a loan of 1.05 million?"
Lin Yin shook his head: "It seems similar, but it's actually different. I've already asked about the direct mortgage loan in the afternoon. After the appraisal, there will be a discount. The procedure takes a long time, and I can't get more than one million, and I don't have to pay it back."
"The You Fang method is the fastest and best, but let Chen Jun do this..."
She raised her head and glanced at Chen Jun, then lowered her head again. Her expression was very complicated, including gratitude, embarrassment, prayer, and shame. Chen Jun naturally put his hand on her shoulder and said softly: "
It’s not bad to buy a house like this, I don’t have to pay a down payment, and I’ve solved your problem, so let’s do it.”
Lin Yin did not raise his head and said weakly: "From now on, I will help you pay off the mortgage together."
Seeing this scene, You Fang applauded and said with a smile: "Okay, okay, the problem is solved! Don't look so sad anymore. You haven't eaten dinner yet, are you all hungry? You haven't finished the vegetables you bought in the morning, Tu Su, you
Are you going to help Lin Yin cook? Chen Jun, you will be my landlord from now on, I have to toast you two glasses of wine today, if you want to take this opportunity to raise the rent for me, you can’t do it.”
At dinner that day, there were still five people gathered together. Everyone agreed, and they were careful not to mention Li Qiuping. It was as if the police had never been here today, and the topic was still focused on the real estate handover.
Tu Su looked at You Fang and said in a tone of great admiration: "You really have a way to ask them to sell the house and immediately give Sister Lin Yin more than one million! Chen Jun couldn't afford the down payment, so he had to
He could afford the mortgage, so you let him buy the house."
Xiao Yu explained: "Understanding the trading rules is not too magical. It is just using the principle of financial leverage. For a house worth 1.5 million, the down payment only requires 30%, and the rest is financed by the bank.
This is financial leverage, which can more than triple funds in a short period of time, just borrow 500,000 yuan for a little turnover."
Lin Yin thought deeply: "It's also because I don't have a loan for my house, otherwise it wouldn't be easy to do this."
You Fang suddenly laughed: "Who says it's not possible? It's easier to get a loan to buy a house and cash out."
Lin Yin said in confusion: "Then I don't understand."
Tu Su pouted and said, "I don't understand either."
Chen Jun laughed at the side and said: "What you are talking about is a method of real estate speculation. You can buy and sell houses to get a large amount of cash in a short period of time. Take me as an example to buy this house with a loan." He said an example.
Very interesting story——
Suppose Chen Jun buys a house by himself and spends a down payment of 450,000 to buy a house with a total price of 1.5 million. With an average mortgage over 20 years, the monthly repayment is about 7,000. After seven months, he
The house was sold to You Fang for 2 million, and You Fang paid a down payment of 600,000. If they were a team, how much cash did they get out?
Two down payments plus seven months of repayment, the total cost was 1.1 million, 2 million was recovered, and 900,000 was taken out in cash. What’s more interesting is that Chen Jun’s capital investment was only 450,000, and the other money could be solved through short-term borrowing, and he would eventually get back
900,000 in cash, ignoring the intermediate transaction fees and just talking about the principle, the funds have doubled, but the house price has only increased by 33%. With more cash, the same thing can be done again in another place, and in my hands
The amount of funds will increase like a snowball.
Chen Jun finally said: "Do you think that in the past few years, the hot money real estate speculators who took turns speculating in the property market across the country earned just that little difference in buying and selling prices? They were using finance to hand out a lot of cash."
Tu Su blinked and asked: "According to the method just now, there is still a problem. Chen Jun sold the house to You Fang for cash. You Fang owes so much money to the bank. How will he repay it in the future?"
You Fang then explained: "There are two ways. One is to speculate on the house price and then sell it to the final buyer. If the house is not picked up until the end of the speculation, it will end up in the hands of the bank that provides financing. Anyway, the house is a mortgage
Give it to the bank. If you don't repay the loan, the bank will take the house back, and you've already got the cash you want."
Chen Jun smiled bitterly and said: "The second method is more damaging. At the cost of losing other people's credit records, the bank and the entire market will also be unlucky."
You Fang sighed: "This was a method three or five years ago. Now the policies have changed and the market has changed. If you want to play again, you have to think of new tricks.
Lin Yin interjected with great interest: "Chen Jun, I have never been sure, where are you from?"
Chen Jun: "My hometown is in Wenzhou, Zhejiang."
Xiao Yu smiled: "What you just talked about is a simplified version of the principle of large-scale capital cash-out, ignoring transaction costs. It is difficult for ordinary people to play this trick. When I was in Hong Kong, I heard that the Wenzhou real estate speculators in mainland China were very
It's amazing. After listening to you today, I finally saw it."
You Fang sneered: "Don't blame everything on Wenzhou people. The troubles in major cities across the country in the past few years were almost all caused by hot money from large overseas consortiums, and domestic private funds took the opportunity to follow up. They are all over the country."
This is how the world works. The U.S. subprime mortgage crisis started with the collapse, and now it has spread to the entire world, and it has finally become a big deal."
Xiao Yu mused: "That's right. Now Europe is experiencing a debt crisis, and the people are unlucky. I thought it was mainly a problem of over-consumption. Listen to you, financial over-inflation is also a major problem... When the banks notice that something is wrong, short-term
Once the lending market shrinks, problems will be exposed one after another, financial institutions will collapse one after another, and countries like Iceland and Greece will go bankrupt."
When the two of them talked about this topic, the remaining three people fell silent and just listened with their eyes wide open. You Fang smiled and said: "I am not a major in international finance. In my opinion, no matter what terminology is used,
, the principle is nothing more than these rivers and lakes techniques, speculating not only houses, but the wealth of the entire world. Don’t you want to make a fortune in the world? The world is very turbulent now. In the major you studied, it is a real big world.
.”
Xiao Yu looked a little shy: "My class discussions at school were not as straightforward as what you and Chen Jun made. I was learning various financial principles and phenomena, and I found them quite complicated and advanced."
You Fang: "It's quite complicated, and the methods are quite advanced, but the skills are still the same. What you learned is the rules, so just now Chen Jun said that he needed a turnover of 500,000 yuan. When you heard it, you knew what was going on. It didn't matter.
Bai Xue, my understanding of this knowledge is definitely not as good as yours. But no one would clearly write down their knowledge of blatant fraud and robbery in their textbooks."
Xiao Yu: "Openly committing fraud and robbery?"
You Fang: "Isn't it? A group of people gathered on Wall Street in the United States have led the world trend in recent years, and together with powerful people from all walks of life, they have openly looted the entire world. After the collapse, they left a lot of chicken feathers. On the surface, those investment banks collapsed one after another.
It went bankrupt, but the masters behind it all made a lot of money, and the people all over the world suffered... Just like Chen Jun just said about real estate speculation, who do you think will be the unlucky person in the end if you keep playing?"
Chen Jun scratched the back of his head and finally interjected: "When it comes to real estate speculation in the past few years, I know a lot about it, but the topic you are talking about is a bit too big, and I can't even get in the middle of it. You Fang, these things, you
Who did you hear it from?"
You Fang sighed: "I'm not that knowledgeable. Last year at this time in Beijing, I was chatting with an elder about the Jianghu Bureau's hype. He thought of some things in today's world and said a lot. I just have some experience.
Then he said to Xiao Yu: "You are still studying. When you run an industry in the future, your elders will teach you many things that are not in textbooks."
Xiao Yu shook his head: "I'm not interested in speculation, and I don't even want to do business. But brother You Fang is so knowledgeable at such a young age. If you have the opportunity in the future, you might as well go to Wall Street to make a career and achieve a big career."
You Fang pouted: "That's not only a matter of ability, but also a matter of capital. The gang of bastards behind Wall Street are the most greedy and inhumane things in the world. I have no interest in making a name for myself in a place like that. If my grandma knows
It will break my legs."
Several people nearby laughed, and Lin Yin said with a smile: "Is your grandma so powerful? I know you are very capable, but what you just said was too exaggerated!"
You Fang himself also laughed: "Chatting, isn't it just chatting in the sky? We are all our own people behind closed doors, and if we brag to our heart's content, it doesn't matter, right?"
Tu Su asked: "Brother You Fang, why do you say those people are the most greedy and inhumane people in the world? Many people are successful examples written in books."
You Fang put away his smile and said seriously: "Today we are talking about the secrets of real estate speculation. Is it what the newspapers say? The tricks of the river and lake are used to make a living or to relieve difficulties and rescue emergencies. Anyone who has the ability can use them, just like Chen Jun today
Flip the house with Lin Yin. But you can't use means for the sake of means. If you keep scheming against people in the world, you will end up with endless troubles and become a big trouble."
Xiao Yu echoed: "This time the speculation has collapsed, and the whole world has followed to clean up the mess. I wonder when will the next time be?"
Today's discussion not only solved Lin Yin's problem, but also finally brought her and Chen Jun's lives and emotions together. Moreover, Xiao Yu truly admired You Fang - he was not just someone who knew how to teach young hooligans a lesson.
When leaving, You Fang told Lin Yin that he wanted to ask her something privately. With Chen Jun's confused eyes, he called Lin Yin into the study alone.
Facing the surprised Lin Yin, You Fang said bluntly: "Are you willing to use the things Li Qiuping left behind to save your father?"
Lin Yin lowered his head: "I know he left the house, but I..."
You Fang interrupted her: "It was originally in your name. That's it for now. There's no need to dwell on this issue anymore. You have three paintings hanging in your home. I heard you said they were of commemorative significance to Li Qiuping. Do you still want them?"
Do you want to continue hanging?"
Lin Yin raised his head and asked, "Did Chen Jun say something to you? These paintings... I don't need to hang them up."
You Fang shook his head: "He didn't say anything. I'm very interested. Can I take it and study it for a few days?"
Lin Yin thought for a moment: "If you like it, take it away or give it to you. It's a fake anyway. Even if it's a real antique, I don't want to hang it up anymore."
You Fang smiled: "I understand what you mean, I don't want it myself, I just use it."
You Fang also picked off the other two ancient paintings and took them away. When Chen Jun saw this scene, there was a hint of gratitude in his eyes, thinking that You Fang didn't want them to remind Lin Yin of more memories of Li Qiuping.
At this moment, he still doesn't know the doorway in the painting, and is being plotted for unknown happiness.