Chapter 79 Loan to buy a house
Zhong Hui is not the type to do things in a lukewarm manner. As soon as she got home, she made an appointment with He Yanqing to go house-viewing the next day.
The next morning, after breakfast, Zhong Hui drove to Jinxiu Tianyuan to pick up He Yanqing.
He Yanqing was still yawning: "You are too anxious here."
Zhong Hui smiled and shook her head: "The early bird catches the worm, and you have to start making money early."
"Hahahahahaha..." He Yanqing couldn't stop laughing, "Your logic is so complete."
Zhong Hui curled the corners of her lips and drove seriously.
Lishan Community is almost in the suburbs, similar to Xinhe Community. However, the industrial park here is larger and there are more residents.
When they arrived at the place, Zhong Hui parked the car directly in front of the sales office and the two got out of the car.
"There are quite a lot of houses here." Zhong Hui looked around the community.
"Yes, the second phase has been built here, with more than 20 houses. They say more will be built." He Yanqing said.
"However, the greening here is not very good, and the management is not very good either." He Yanqing was not very satisfied with this.
Zhong Hui didn't care. The houses here were mainly for rent. Even if they were too good, they couldn't be rented out at a high price.
"Let's go to the sales office and ask."
"good."
As soon as I entered the sales office, a sales lady came to greet me.
"Hey, Sister He, long time no see. You are getting younger and more beautiful." A sales lady recognized He Yanqing.
He Yanqing pursed her lips and smiled: "Thank you, you really know how to talk."
"I'm bringing my friend here to look at houses today. Do you have any ready-made houses?"
"Yes, yes, there are plenty." The saleswoman greeted them and introduced them to Zhong Hui, "Ma'am, my name is Wu Fang. You can just call me Xiao Wu."
Zhong Hui nodded: "Hello, Xiao Wu, just call me Sister Zhong."
"Hey, Sister Zhong, what kind of house do you want to see? We have many house types here." Xiao Wu kindly handed the house buying brochure to Zhong Hui.
Zhong Hui flipped through the list and said, "I just want to look at small apartments, one or two bedrooms are fine."
"Yes, we have a one-bedroom apartment of 32 square meters and a two-bedroom apartment of 50 square meters. Our rooms are all compact and perfect for renting," Xiao Wu recommended.
Zhong Hui looked at the house purchase brochure again. This house type was not bad. The room was smaller than the one in Xinhe Community, but it was enough.
"How much is it per square meter?"
"Nine hundred and seven."
Zhong Hui lowered her head and thought for a while. Nine hundred and seven, when she bought the house in Xinhe Community, it was eight hundred and one square meter. This place is indeed more expensive.
"Well, is there any discount if I buy more?" Zhong Hui put the house buying brochure aside and looked up at Xiao Wu.
"Buy more?" Xiao Wu immediately realized that a big customer had arrived. He remembered that Sister He had bought a whole building in one go.
Xiao Wu didn't dare to breathe, and asked carefully, "How much do you want to buy?"
Zhong Hui thought for a moment and said, "Let's get twenty sets each."
Xiao Wu's eyes lit up. This was no less than buying forty houses in one go. She wouldn't even dare to buy cabbages like that.
"Okay, I'll ask our manager to see how much of a discount I can give you." Xiao Wu tried his best to look less surprised.
Zhong Hui smiled slightly: "Okay, go ahead and ask."
"Why buy so much?" After Xiao Wu left, He Yanqing asked Zhong Hui in a low voice.
"As for a house, it's good to buy it and rent it out to collect the rent. I think it's more cost-effective than depositing money in the bank." Zhong Hui said with a smile.
"That's true. For someone like me, if I don't buy a house, I don't know how to spend the money. Since I'm going to spend it anyway, I might as well buy a house." He Yanqing nodded in agreement.
Soon the manager came over and said, "Ms. Zhong, you want 40 houses. We can give you a minimum price of 950 per square meter."
Nine hundred and fifty, a little higher than Zhong Hui expected, mainly because the houses in Xinhe Community were cheap, so in comparison, the houses here seemed expensive.
"It can't be any less?" Zhong Hui frowned.
The manager smiled like a Maitreya Buddha: "It really can't be less, this is already the lowest price."
Well, Zhong Hui thought to herself, she could accept it.
"By the way, can I get a loan to buy a house here?" Zhong suddenly asked.
The manager was stunned for a moment, then quickly smiled and said, "Yes, yes, you can. You only need to pay 20% of the house price, and we can apply for a loan for the remaining 80%."
"Why take out a loan? Why not just pay the full amount?" He Yanqing pulled Zhong Hui, somewhat puzzled.
Zhong Hui smiled and said, "I want to keep some cash on hand for emergencies."
No matter how many houses you have, you still have to keep some money on hand so that Zhong Hui can have peace of mind.
She also calculated that the monthly rent for her house in Xinhe Community was about 50,000 yuan. In addition, there was income from the shop and the convenience store. She underestimated this part, about 20,000 yuan, so she had a monthly income of 70,000 yuan.
These 70,000 should be more than enough to pay off the mortgage here. Besides, I can collect rent directly after the house is completed.
After hearing what she said, He Yanqing stopped talking.
Soon, the manager asked Xiao Wu to make a budget. The total price of the 40 houses that Zhong Hui bought was 1.558 million. Therefore, the down payment of 20% would be 3.1116 million. According to Zhong Hui's idea, the monthly mortgage would be more than 34,000 for a ten-year loan.
More than 34,000 yuan. Even if the rent is the same as that in Xinhe Community, the rent here can completely cover the mortgage.
Zhong Hui immediately came up with a new idea. Buying a house with a loan seems to be more cost-effective than buying it in full.
"Do you have any one-bedroom or two-bedroom apartments left?" Zhong Hui asked again.
According to her experience, one-bedroom and two-bedroom apartments are easier to rent.
The manager and Xiao Wu looked at each other and said, "A big client."
Unfortunately, there are not enough houses available now, so the manager had to reluctantly say, "Ms. Zhong, these are all the one- and two-bedroom units we have now. The rest are three- and four-bedroom units. Would you like to consider them?"
Zhong Hui shook her head: "Forget it then."
She has money, so she doesn't have to worry about not being able to buy a house. She can just look for another community.
Suddenly, Zhong Hui thought of her own store, which had a much larger flow of people, so she asked, "Are there any other shops?"
The manager's heart, which had just been broken, revived: "Yes, yes, yes. We have whatever you want."
Zhong Hui also chose a 40-square-meter storefront to open a small supermarket. One storefront was enough for her own use, and she didn't plan to buy any more.
Zhong Hui also applied for a loan to buy the shop. She spent less than 500,000 yuan and bought so many properties. Zhong Hui was so happy that she couldn't stop smiling.
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