Chapter 171 Professional debtor
"By the way, Brother Wang, what do you think of Sister Chen?"
After glancing at the good news in the group, Zhang Qiyuan looked at Wang Yong and asked.
"Sister Chen looked at three houses and a lower-floor apartment in Xingcheng Jingyuan. She was quite satisfied with the large flat and a 143-square-meter, fully-decorated house in Blue Sky International," said Wang Yong.
"How much is that 143-square-meter house?"
"The asking price is 270 million, and the reserve price is 260 million," Sister He replied.
Zhang Qiyuan calculated silently in his mind and said, "This house is quite expensive."
You know, the current transaction price of Blue Sky International's unfinished house is 14000. Even if the decoration is included, 260 million is still expensive.
"It is quite expensive, but the owner is not short of money. The decoration is very good. The walls are all sprayed with diatomaceous earth. The decoration style is a bit bourgeois. Customer Wang Yong likes it very much." Sister He said.
"Then I guess I'll have to follow this Sister Chen for a long time."
Zhang Qiyuan shook his head and said, judging from the houses that Sister Chen looked at, including high-rise, duplex, and large flats, it was clear that this customer had not thought about what kind of house she wanted at all and was just simply looking at houses.
This kind of customer cycle is very long.
"It's okay. He's an old customer anyway. I just need to find more houses." Wang Yong said indifferently.
"You'd better ask her husband to come out to look at the house, otherwise it's useless for her to look at it alone."
Zhang Qiyuan gave his own advice. For clients like Sister Chen, whose entire family is in the pharmacy business, the man should have a more important say in the family. Only if the man is interested in the house will the deal be possible.
"Okay, I'll ask his husband out next time." Wang Yong nodded. He was still willing to listen to Zhang Qiyuan's suggestions. After all, several deals he closed this year were negotiated with the help of Zhang Qiyuan.
About ten minutes later, Huang Yi, Wang Qun and Li Xin came back, and with them came a man who looked to be about 27 or 28 years old. He was tall, had a square face, and was very sturdy. His eyes were bright, giving Zhang Qiyuan a feeling of being both rough and shrewd.
"Mr. Zhang, you're back."
Wang Qun was very surprised to see Zhang Qiyuan, and immediately said, "Mr. Zhang, this is my client, Mr. Yao. He has taken a fancy to your penthouse and wants to decide on it now."
"Hello, Mr. Yao."
Zhang Qiyuan quickly greeted the customer.
"Hello, are you the boss?" Yao Jun looked Zhang Qiyuan up and down.
"Yes, you are interested in the top floor unit 1 in unit 3301 of building ?" Zhang Qiyuan confirmed with Yao Jun.
"Yes."
Zhang Qiyuan glanced at Wang Qun and continued, "That house is leaking, did you know that?"
"I know, they told me." Yao Jun's eyes flashed and he said, "I like this house, but I don't have enough liquidity right now. I wonder if your store can give me a high review?"
Hearing this, Zhang Qiyuan immediately understood why this man wanted to buy this house.
He suddenly felt that it was a difficult situation. Although they could indeed give high reviews, such things were illegal, especially during this sensitive period.
The current transaction price of Blue Sky International is around 14000, and most houses are priced at 15500 per square meter. Even if it is not highly appraised, this house can be appraised at 15000 per square meter under normal evaluation. This house is 133 square meters, which means the appraisal price can be appraised at around 1995000. According to the current policy of two-tier down payment, the customer can borrow 159 million. And for this house, he is sure to negotiate 150 million. If the transaction is completed at that time, the landlord will have to pay the customer 9 after receiving the final payment from the bank.
The real estate market is in recession now, and many professional debtors have emerged. Some people specifically look for this kind of house. He has to consider this risk. After all, this customer doesn't care about the house leaking at all.
There is a new type of fraud now. They will specifically look for people between 25 and 45 years old, who have never seen the world and have a low level of education in small cities. Then they will screen those who have no credit problems and are willing to cooperate. They will give them 10 or 20 yuan for three months, including food and accommodation.
Then within these three months, they will package these people, transfer a house to them, help them set up a business or a car, and pay social security and provident fund for a period of time. After the packaging, they will run back and forth between banks and loan companies.
They apply for renovation loans with the houses transferred to them, commercial loans in the name of their companies, mortgage loans with their cars, second mortgages on their houses, and all kinds of small loans. As long as the money can be loaned, they can lend it out. On average, a debtor can get a loan of 150 million.
After getting the money, these people will transfer the money and then disappear. Although the debtor can make money quickly, earning 20 in three months, if he cannot pay the money back after three months, he will become a dishonest person and be put on the bank's blacklist.
Their agency only makes a commission, so there is really no need to take the risk, and there are clients who are interested in this house.
"This house may not be able to get a high rating." Zhang Qiyuan thought for a while and said.
Yao Jun frowned and asked, "Why? Can't your small company do it?"
"If you want to do a high appraisal, you need the cooperation of the owner. But think about it, if you apply for a normal loan for this house, you can get a loan of 159 million yuan. The owner's reserve price is 165 million yuan. That is to say, if you buy this house, you only need to pay a down payment of 6 yuan. If you do a high appraisal, the owner will have to pay you back. No owner will be willing to do this." Zhang Qiyuan said.
It is impossible to give him a high rating!
But there is still no problem with normal assessment.
Even if something goes wrong in the end, they followed the formal procedures and it has nothing to do with their agent.
And if the customer doesn’t even have the 6 yuan down payment, then there is no need for him to take on this order.
Hearing that the down payment was only 60,000 yuan, Yao Jun's brows relaxed slightly and asked, "If it's the fastest, when can the transfer of this house be completed?"
"If there are no problems with your credit report and bank statements, and if it is a commercial loan, we can do the transfer with collateral, which may take half a month." Zhang Qiyuan thought for a while and said.
He had several clients who transferred property with collateral before, so he was very clear about the process.
"Can the ownership be transferred within a month?" Yao Jun confirmed.
“If there is no problem with the qualifications, it can definitely be completed within a month,” said Zhang Qiyuan.
"Okay, then you can ask the owner to come over to negotiate the price." Yao Jun said after thinking for a moment.
"what?"
Not only Zhang Qiyuan was surprised, everyone in the company was shocked. They had just finished looking at the house, and it was a leaky house at that. And they had to make an appointment with the landlord right after looking at it?
Zhang Qiyuan knew that there must be something wrong.
However, as long as their company follows the procedures, even if something goes wrong, it will not be any problem with their company.
"Okay, then you sit in the store for a while, I'll call the owner."
Zhang Qiyuan winked at Luo Gang, then walked out of the store and called Mr. Zhu, the owner of the house.
(End of this chapter)
