"Mr. Jia, have you made up your mind?" The bank manager looked at Jia Yapeng worriedly. If Jia Yapeng said that he didn't have enough money or went back on his words, then he would be happy for nothing.
Therefore, the bank manager hoped that Jia Yapeng would agree immediately and finish all the procedures quickly. It would be best if he could transfer the money today. Then, he would be completely relieved.
However, Jia Yapeng was lost in thought. He didn't say anything, but his expression kept changing. This made the bank manager have an ominous premonition.
Sure enough, after Jia Yapeng came back to his senses, he shook his head directly and said, "No, I can't apply for a loan for 500 houses!"
"F * ck …" The bank manager suddenly felt a pain in his chest, and he almost spat out a mouthful of blood. Then, he directly scolded Jia Yapeng in his heart. This guy, does he really think that he can play me, the bank manager of a national bank, like a monkey just because he has some stinky money?
Just when he was about to go crazy, he heard Jia Yapeng say, "I've thought about it. Why don't I apply for a loan for 1000 houses directly?"
…
Silence. The whole conference room was silent in an instant.
"Mr. Jia, can you repeat what you said just now? I didn't hear it very clearly. "The bank manager asked with a trembling voice.
"I said, I want to buy 1000 houses!!" Jia Yapeng said word by word clearly.
Jia Yapeng didn't go crazy. He really wanted to buy 1000 houses.
Because Jia Yapeng had just calculated in his heart. According to the 40% discount, the 40 million here could be used to pay the down payment for 740 houses. But 1000 houses needed 54 million for down payment. Jia Yapeng's money was still a little short.
But the problem was that the down payment was calculated according to the 40% discount price.
However, if Jia Yapeng were to purchase 1000 houses, the price would meet the requirement of extreme discounts. According to the leader, 1000 houses could be purchased at 50% discount.
In this case, the actual purchase price of 1000 houses was 90 million yuan. Based on the 50% down payment, Jia Yapeng actually needed to pay 45 million yuan for the down payment. This was completely within the financial range of Mr. Jia.
Even though he would only be left with five million in liquid funds, Crispy Noodles the Elf could still earn a few million every month. Furthermore, the initial investment for the mini 4WD was basically all invested. Therefore, as long as President Jia was frugal with his spending, this five million should be enough to support the operations of the entire company.
Therefore, Jia Yapeng made up his mind and directly bought 1000 houses in the Asian Games Village. There were only 3000 houses in the entire Asian Games Village, which meant that 13% of the houses in the village fell into the hands of Jia Yapeng. Jia Yapeng became the biggest owner in the entire Asian Games Village, and it seemed that in this lifetime, no one could surpass Jia Yapeng.
"President Jia, how many years do you plan to pay off this loan?" the president asked.
"How many years is the longest?" Jia Yapeng asked back.
"According to the regulations, we can provide you with four different types of loans: 3 years, 5 years, 10 years, and 20 years. The interest rate for each loan is 8.1%!" the president said.
"Then let's calculate according to 20 years!" Jia Yapeng said without hesitation.
"Xiao Hu, calculate it!" Said one of the president's sidekicks. This sidekick immediately took out a piece of paper and a calculator and began to calculate frantically.
In the end, he panted heavily and handed a piece of paper full of results to the president.
Looking at the numbers on the paper, the president took a deep breath and said, "President Jia, please confirm.
I have to confirm with you one more time. If you plan to apply for a house loan for 1000 houses, then you need to apply for a 45 million house loan with our bank. If we calculate based on the 8.1% interest rate and the 20-year term, starting from October 1991 to September 2011, you will have to pay us 379203.45 yuan per month. The total amount of interest paid over the 20-year term is 46008827.52 yuan. "
Xiao Hu and the president's deep breaths were not without reason. According to this number, Jia Yapeng's interest payment over 20 years was actually more than the principal by more than 1 million yuan. In total, he needed to pay off 90 million yuan of loans. This was simply a scam. This was simply a waste of money!
At the same time, the president was also worried that when Jia Yapeng heard this number, he would turn around and give up on the loan.
This was really a huge loss!
They had no idea that when Jia Yapeng saw this number, his eyebrows were about to rise.
This loan was really worth it. By 2011, the house prices in the Asian Games Village would start at 50,000 yuan. By then, Jia Yapeng would only need to sell 9 of the houses in exchange for 45 million yuan in cash, which would offset all the mortgage interest.
The 45 million yuan loan of 9 of the houses would allow Jia Yapeng to buy 500 more houses. Putting 9 and 500 together, even a fool would think that he had made a big profit.
Therefore, Jia Yapeng immediately agreed without hesitation.
After repeatedly confirming that Jia Yapeng really intended to buy 1000 houses, the president began the verification process. This was because Jia Yapeng's current bank and loan bank happened to be Agricultural Bank of China.
Therefore, the verification process was quite convenient. The president directly ordered his subordinates to check the money and confirm that Jia Yapeng really had 45 million yuan in cash.
"We also need to verify your ability to repay the loan!" After taking a deep breath, the bank manager said, "Manager Jia, can you allow me to access your fund flow in the past six months? Because you need to pay off nearly 380,000 yuan of loans every month, according to the regulations, your monthly flow in the bank should not be less than one million yuan in the past six months."
"We can only approve your loan after you prove that you have the ability to repay the loan!"
"No problem! Check it as you wish! "Jia Yapeng said with a smile.
Therefore, the president gave another order. After a while, the monthly flow of Jia Yapeng's company account was reported. When he saw that Jia Yapeng's monthly flow had exceeded 10 million yuan since June, the president closed his eyes again.
He didn't expect someone to be able to earn 10 million yuan in a month these days. Capitalism was really scary!
In just one afternoon, all the procedures were completed. At the same time, they said that the bank could complete the loan in half a month at the earliest.
The leader's actions were also very fast. He said that as soon as the bank received the remaining loan, they would immediately apply for the real estate certificate for Jia Yapeng without delay.
Sure enough, a month later, Jia Yapeng, who was in Yuzhang at that time, received several red books, which were the real estate certificates. He owned 1000 houses in the Asian Games Village of Beijing.
To be precise, he owned 1,008 houses.
Originally, Jia Yapeng wanted to choose the best floors and houses among all the houses. However, the leader said that it was too troublesome. He asked Jia Yapeng to buy one building directly.
There were 72 houses in one building. If he bought 14 buildings, he would have 1,008 houses. The leader decided that as long as Jia Yapeng was willing to buy 14 buildings directly, he would give the extra 8 houses to Jia Yapeng directly.
In the spirit of not causing trouble for the leader, Jia Yapeng gladly accepted the suggestion. In this way, all 14 houses in the Asian Games Village fell into Jia Yapeng's pocket. Jia Yapeng also became the man who owned the most houses in Beijing!
After the deal was reached, whether it was the leader of the Asian Games Village or the leader of the Agricultural Bank of China, they were all happy. One got political achievements, the other got performance, and Jia Yapeng got his future. This was a very good deal for anyone. It was a true triple win!
The three of them also formed a very good personal friendship. Jia Yapeng basically visited the two leaders' houses once or twice every year. Jia Yapeng's own personal network gradually began to spread out.
Seeing that Jia Yapeng had completed all the transaction procedures, Chen Liren walked away angrily. "You're going to make me die of anger!"
"Sigh, although this kid is smart, his overall vision and vision are not as good as yours!" The leader stood beside Jia Yapeng and sighed. "Although the stock market is good, the risk is too high. Whether it's for money or for people, the risk is too high!"
"Although the speed of making money is not as fast as the stock market, it's more stable!"
"Xiao Jia, you really made a lot of money this time. Although it can't be seen at the moment, in ten years, by the year 2000, the house prices here will be at least 6,000 yuan per square meter. By 2020, the house prices here will probably rise to more than 10,000 yuan per square meter!"
"Although the speed of making money is slow, it's extremely stable. It's a pity that I'm in this position now. Even if I have money, I can't do anything. It's not as convenient as a businessman like you!"
"You're right, leader!" Jia Yapeng nodded seriously, trying not to laugh.
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