After this trouble, the District State-owned Assets Supervision and Administration Commission withdrew the lawsuit from the district court on the same day. In less than two days, two other foreign companies sued the third-branch factory and resolved the lawsuit. Then, the land transfer and change procedures were almost given a green light all the way. In just less than four days, the land fell safely into the hands of Fidelity Real Estate.

The whole process felt like a roller coaster ride, and Cao Bin, the general manager of the real estate company, was dazzled. He never expected that this would be the result in the end. He thought that the unreliable boss had such energy. Similarly, he was even more curious about the origin of the young man named Saner who appeared on the day of mediation, but no matter how curious he was, he could only suppress his thoughts and just pretend that this had never happened. Cao Bin is not Chu Ge, and after so many years in society, he understood the truth that curiosity killed cats. Not to mention that he went to inquire about Saner's background, he didn't dare to ask even the details of his boss Zhou Liwen.

In Cao Bin's opinion, it is certain that this real estate company is booming with such an energy-rich boss. Thinking of this, he was planning to find another job a while ago and was immediately energetic and devoted all his energy to the development and preparation of the newly acquired land.

One afternoon after the incident, Zhou Liwen and Director Wen were drinking tea leisurely in a teahouse in Xintiandi, Shanghai. Saner was not interested in tea at all, so she took two young models she had just met to the next door to have fun.

"The tea here is good and the environment is elegant." After drinking a sip of tea, Director Wen looked around, especially staying at the old-fashioned carved lattice windows and the small patio that is self-made for a while.

"This place is originally an old house in Shikumen. Like the courtyard house in Kyoto, the old Shikumen is a historical precipitation of Shanghai. History and the elements of the new century reflect the essence of Shanghai culture. If Director Wen likes it, come more when he has time, or consider buying a property here is also a good choice." Zhou Liwen smiled and added tea to him, put down the pot and said casually.

"Haha, I'll just go to Shanghai again if I have the opportunity, just forget about buying a property or something. Don't forget, I'm a cadre of the Discipline Inspection Commission, and I'm still disciplined in this regard."

"That's not to say that, the cadres of the Commission for Discipline Inspection are also the people. Even the Party Central Committee is advocating reform and opening up. Isn't the ultimate goal of economic development in this society to make people live a better life? In the past few years, the real estate market across the country was in a bad state, and many real estate and land values ​​were underestimated. In my opinion, now is the best time to invest in real estate. If Director Wen has some spare money, it is better to invest part of it yourself than to depreciate it in the bank."

Director Wen smiled and said, "I have heard of this, otherwise Brother Zhou, your real estate company will not be targeted. But the problem is that investing in and buying a house requires capital. I am just a small director who relies on salary to make a living. Although the level is still sloppy, people like me at Kyoto are not 10,000 or 8,000, so how can I afford this kind of thing?"

"What's the matter? You can get a loan if you can't afford it." Zhou Liwen pointed to the surroundings: "This place is the center of Shanghai, and there are newly built properties here and there. Who can afford to pay for such properties in one lump sum? Are they all bought with loans? This loan, although the interest rate is slightly higher, but this matter should be viewed from the overall perspective. According to the adjustment of the country's real estate policy, I feel that the real estate market is about to usher in a soaring situation. No matter how high the interest rate of bank interest is, it is only a few points, but the rise in housing prices is not the number of this. I wonder if Brother Wen, have you noticed that from last year to this year, first-tier cities like Shanghai, Kyoto, and Huacheng, housing prices have risen by more than 30%. This range is far more than the interest rate of loans. Once you enter and exit, isn't it profitable?"

Director Wen nodded thoughtfully, but after thinking about it, he sighed: "I actually understand Brother Zhou's words, but a good wife can't cook without rice. No matter how much you take out a loan, you must have a principal?"

"Hahaha, Brother Wen is really devoted to work and is deaf about things outside the window, right? If I guess well, Brother Wen will definitely not do housework at home. It's all my sister-in-law's hard work, right?"

Director Wen smiled awkwardly: "That's true. I'm so busy with work. Your sister-in-law is very capable and I don't let me touch any work. I don't know at all how much cabbage in the vegetable market costs and what the price of a bottle of soy sauce."

"I'll just say it!" Zhou Liwen said happily: "Otherwise, you wouldn't have said what you just now."

"What do you mean..." Director Wen asked with a slight movement of his eyelids.

"My Director Wenda, let me tell you the truth. Now you don't need to buy a house loan at all. There is also a loan method called zero down payment in the market. Have you never heard of it?"

"Zero down payment?" Director Wen said in surprise.

Zhou Liwen nodded, then took out several exquisitely printed brochures from the bag placed aside and handed them to the other party, and pointed at the three big words "zero down payment" above and clicked.

Director Wen took the brochure with interest and read it. These brochures are all very good properties in Shanghai. They are all located in the city center and the area and shape are very good. Especially the model house decoration inside, he was very excited. Although the price is not high, only about 7,000 per square meter, this price is not something he can afford. But the key is that there is an introduction to zero down payment later. According to the introduction above, you only need to sign a house purchase contract and repay it monthly, and there is no need for the buyer to pay the down payment. In other words, you can sign a contract to get the house, and then transfer the loan to the bank every month according to the agreement. When the loan expires, the house will be all over the buyer.

"Is there such a way? This is the first time I heard about it." Director Wen said very moved.

"Why, Brother Wen, you are still worried that I will lie to you. Haha, just ask someone to inquire about this matter. This way of buying a house is not surprising in Shanghai. I heard that even Kyoto is available, everything is reasonable and legal."

"Of course, why is what Brother Zhou said false?" Director Wen nodded with a smile, closed the brochure and shook his head and sighed: "Although the method is good, I can't afford this loan. I just looked at it. If I buy a 150-square-meter house, the monthly loan repayment will be higher than my salary."

"Hahaha, you don't have to worry about this." How could Zhou Liwen, who had been prepared for a long time, be stumped by this? He immediately smiled and took out a document and handed it to Director Wen: "Look, what is this?"

"Huhai Bank Housing Mortgage Investment and Financial Management Fund?"

Zhou Liwen nodded and signaled to the other party to look at the content carefully. After opening it, Director Wen was immediately happy. After a long time of trouble, this house mortgage investment and financial management fund is a fund customized by Shanghai Bank for some specific VIPs. The main function is to represent customers in using house mortgage as fund investment, and Shanghai Bank shall bear the customer's housing loan repayment, and at the same time, the customer is given a certain proportion of return according to the years.

To put it bluntly, you buy a house with zero down payment, and then mortgage the house to Shanghai Bank. Shanghai Bank shall bear your loan amount, and then according to the agreement period of the two parties, such as a five-year period, after removing the loan interest spread, the fund income of about 15% per year is promised to return to the customer at about 15% of the annual fund income. As for the five-year period, customers can have two options. One is to sell the house directly to the bank and settle the final income according to the sale price minus the actual loan amount after paying the five-year loan interest. The other is to take the house back directly. Of course, the subsequent loan amount will still be paid by the customer to Shanghai Bank until the loan is paid off.

It can be said that this thing is absolutely reliable and profitable. The worst thing is that you can get five years of profit without spending a penny. Of course, there are also regulations on the mortgage of the client's fund investment in Shanghai Bank. This kind of investment is not unlimited. Each customer can only have up to five houses, with a total area of ​​no more than 500 square meters. Moreover, the location and area of ​​the house are located, so the returns ratio is also different, with a maximum of 15% and a minimum of 12%.

After reading this thing, Director Wen's eyes shone with golden light and he was full of energy.

"Okay! This fund investment is good! But Brother Zhou, there will be no problem with this thing, right?"

"I said Brother Wen, you have been in the Discipline Inspection Commission for too long. These are all banks' funds. Look, there are bank seals on them. You are a cadre of the Discipline Inspection Commission. Can't you tell whether this is true or not?"

Director Wen was completely relieved when he heard this, and asked Zhou Liwen several key questions. Until Zhou Liwen tirelessly answered, he finally smiled.

Then, when Zhou Liwen happened to take out several more house purchase contracts, Director Wen immediately chose a few houses without hesitation, signed the contract, and then signed the house mortgage investment and financial fund directly. After completing these procedures, of course it was not finished. Next, because there were still filing and real estate certificates, Zhou Liwen's service is the most considerate service in the world. He took care of these messy little things with one hand. He only needed Director Wen to provide a copy of his ID card later, and then went to the law firm to sign a commission document and it was OK.

Although Director Wen is honest on the surface, he basically goes to the maximum limit when signing the contract. Five houses are all the best areas, with a total area of ​​489 square meters, which is only 11 square meters away from the 500 square meters required by the fund. Moreover, according to the current housing prices, they all belong to the first category of locations. The annual fund income is about 560,000 yuan, which is 2.8 million in the past five years. If the house rises further, Director Wen just chooses the way the bank purchases the house, and maybe he can get millions of dollars. Such a transaction is simply a pie falling from the sky.

(There is something to do in the afternoon, it’s a little late, continue to ask for votes!)
Chapter completed!