Jiang Chen took the one million yuan and went to the bank first.
He went to open a deposit certificate of one million yuan.
This was very easy. It was done directly.
Of course, the bank was very welcoming to deposit money.
One million yuan. Jiang Chen could not only apply for a deposit certificate, but also a black gold card, which meant that he had more than one million yuan in savings.
The deposit certificate was valid for one year.
After Jiang Chen finished, he did not leave the bank. Instead, he used the deposit certificate of one million yuan to apply for a loan.
The bank lady was very curious about Jiang Chen. After all, there were not many people who could have one million yuan at such a young age.
"How much do you want to borrow?"
The bank lady asked curiously.
Jiang Chen thought for a while. "What is the highest percentage of your bank's deposit certificate loan?"
The bank lady checked and smiled sweetly. "Generally speaking, our bank allows 80% of the deposit certificate loan! But for customers like you who have more than one million yuan in savings, the deposit certificate loan can be 90%! "
Jiang Chen smiled in his heart.
The bank's deposit certificate loan was risk-free.
After all, he had one million yuan in the bank and only needed to borrow nine hundred thousand yuan. If he could not pay it back, the bank could use the deposit certificate of one million yuan to offset the debt and get back the 10% interest.
This was indeed risk-free for the bank.
Jiang Chen quickly applied for the deposit certificate loan and got nine hundred thousand yuan. With the nine hundred thousand yuan, Jiang Chen went straight to a sales office.
Although nine hundred thousand yuan could not buy any house in the capital, Jiang Chen drove out of the city and entered a sales office around the capital. It was easy for him to find a commercial house. The price in the Huanjing area was not so expensive.
With nine hundred thousand yuan, he could easily buy a house of 60 square meters in full.
With the help of the enthusiastic sales office lady, it only took Jiang Chen more than an hour to get the pre-sale contract for the house of 60 square meters, which proved that he already owned the house.
Jiang Chen took the deposit certificate of one million yuan and the pre-sale contract for the new house of 60 square meters and went straight to another bank.
During the whole process, he did not use any of his connections, nor did he use the Sunshine Bank under his name. Therefore, this series of operations did not violate any rules of the system. The system did not respond to any of them.
Jiang Chen went to another bank, took a number, and looked for another young lady.
Jiang Chen took out his one-year deposit certificate of one million yuan from the first bank and the real estate contract. He handed them to the young lady and asked, "I want to know how much credit can you get from our bank with these assets?"
The young lady looked at Jiang Chen's one-million-dollar bank receipt, his black gold card, and the real estate contract with a smile. She said with a smile, "Dear distinguished guest, with your excellent credit conditions, since you've paid for the house in full without any mortgage, you can use the house as a mortgage to get seventy percent of the value of this house from our bank, which is equivalent to a loan of sixty-three thousand!"
Jiang Chen said decisively, "Okay! Just do it. I'll give you this house as compensation. A loan of 630,000! "
He quickly got a loan of 630,000 yuan and went straight to another sales office.
This time, Jiang Chen from the sales office bought a house worth 2.1 million yuan. The down payment was 30%, and the remaining money was just enough to pay the tax.
After buying the 2.1 million yuan house, Jiang Chen smiled and counted the chips in his hand.
After a series of operations, the assets owned by Jiang Chen's identity had unknowingly become a nouveau riche with a bank deposit of one million yuan and a property under his name of three million yuan!
Then, how could he return this one million yuan within seven days?
Next was the main point!
Good show after good show!
Jiang Chen first went to sell the 900,000 yuan property under his name at the original price to cash out!
Because it was a new house, it sold very easily.
900,000 yuan sold at the original price.
Jiang Chen went to a small loan company and took out a mortgage for the 2.1 million yuan house.
The loan amount was not too high. Jiang Chen only took out a loan of 150,000 yuan.
With the 1.05 million yuan in cash, Jiang Chen immediately returned it to the online loan company. The extra 50,000 yuan would be used as interest.
After a series of operations, Jiang Chen once again counted the assets in his hands.
He had a deposit certificate of one million yuan under his name. A property worth 2.1 million yuan. As for the debt, he owed the bank 900,000 yuan and the 1.47 million yuan loan for the house. There was also a small loan of 150,000 yuan!
That was 2.53 million yuan!
His net assets were 3.1 million yuan. Minus the 2.53 million yuan owed, that was 580,000 yuan!
After a busy day, Jiang Chen actually made a net profit of 580,000 yuan!
Jiang Chen's wealth was not earned by hard work, but by …
Thinking!
Jiang Chen had outstanding business thinking. He dared to use leverage to leverage huge wealth and exploit the loopholes of wealth to make a windfall!
Jiang Chen did not stop. Instead, he took out another one million yuan from the online bank and started a new wave of operations again and again.
After a series of simple operations, Jiang Chen already had five houses under his name with loans and mortgages!
These houses were all well-renovated and could be moved in directly.
Jiang Chen also rented out these houses.
One of them was next to Minsheng University.
Jiang Chen returned to the university. He slept, rested, and played games.
Jiang Chen walked through the campus and saw a girl scolding a boy loudly.
"You're really useless! How could I be so blind to find a man like you? Other people's boyfriends have bought them new phones, but I'm still using an old one! "
The boy was very obedient. He lowered his head and did not say a word.
"Say something!" The girl shouted angrily.
The boy held back for a long time before saying, "Well, it's because I don't have the money to buy it. I can't afford it. So, I'm sorry."
The girl was even angrier. She cursed at him.
Jiang Chen could not stand it anymore.
'What are you talking about?
'She can't afford a phone, so she owes you a million yuan?'
Jiang Chen pulled the boy over and whispered a few words to him.
The boy was dumbfounded.
"Will it really work?"
"Absolutely!"
Jiang Chen said in a deep voice.
The boy walked to the girl's side and said lightly, "I'll buy you a new phone!"
The girl also knew the boy's financial situation. She said in surprise, "You'll buy me a phone? Really? "
The boy glanced at Jiang Chen and patted his chest. "A man of his word! If I don't buy it for you, I'm your grandson! "
The girl was very greedy. Without saying anything, she directly smashed her phone on the ground!
Bang!
The phone shattered into pieces on the ground.
"Buy it for me!"
The girl's eyes lit up. "I want the latest Guoping 12! The one with 12888! "
Unexpectedly …
The boy suddenly said, "Grandma!"
The girl: "???"
After the boy finished speaking, he turned around and left!
He did not stop at all.
The girl looked at the phone on the ground that she had smashed with her own hands and was stunned.
He called me grandma?
Doesn't that mean ~
He can't afford Guoping 12 at all?
Damn! I've been tricked!
She cursed behind him. "Are you still a man! I%% …! "
Jiang Chen passed by her and said lightly, "He did what he said! Why isn't he a man? "
The girl: "…"
Jiang Chen said to the boy, "Brother, how was it? Did it relieve your anger? "
The boy gave Jiang Chen a thumbs up!
"It really did! Thank you so much! Brother! "
Jiang Chen shrugged. "Anyway, we're going to break up. It's worth it to make this kind of woman smash her phone! Hehe ~ "
The girl: "…"
Jiang Chen: A true master of breaking up!
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