Chapter 60 Second Deposit
The breeze is gentle and the sun is just right.
Zhang Qiyuan was sitting casually on a stone with a piece of dogtail grass in his mouth, staring at the float in the stream, feeling quite comfortable. There were many people playing with their children nearby, some were fishing for lobsters, some were catching butterflies with butterfly nets, and some were just taking a walk.
This is where Zhang Qiyuan often went fishing before he met Wang Yong. It is an ecological corridor in the Seoul New District. This corridor is ten kilometers long and is the most distinctive corridor in the new district.
This promenade is near their Blue Sky International, just across the street. He usually goes fishing here.
Opposite the ecological corridor are three new housing estates, Jinchentai, Lakeside Yujing and Chengjian Tianhui. There is no access road yet, so most of the people coming here are owners of the residential areas near Blue Sky International.
He had been busy with Li Wei's transfer of ownership for some time, and these days he was distracted by the company's affairs. It was a rare day off, so he just went fishing here.
For anglers, after being busy for a long time, they can relax and have a good time for the whole day by basking in the sun and fishing.
No one came to disturb him that day. Only Wang Yong sent him a photo. In the photo, the door of Aijia Real Estate next door was open, with some chairs and sofas exposed in front of the door.
Knowing that Xiong Wei had taken over the shop, he told Wang Yong about the situation and continued fishing.
Until the evening, as fewer and fewer people appeared around him and some mosquitoes began to appear, Zhang Qiyuan spat out a piece of dogtail grass that he had just pulled out of his mouth, put away his fishing rod, and prepared to go home.
At this time, his cell phone rang.
Zhang Qiyuan took it out and looked at it. He was a little surprised to find that it was Sun Liang who called him.
"Brother Sun, happy May Day. Why are you calling me today? Aren't you traveling or going home or something?" Zhang Qiyuan asked with a chuckle.
"Happy May Day, Xiao Zhang, are you at work?" Sun Liang asked.
"Yes, we are in the service industry and we basically don't take holidays."
"It's like this, Xiao Zhang, didn't you ask me to look for houses on Beike before? I've been eyeing the fully furnished house you saw before, and I just saw that the price of this house has dropped by another 50,000. If you are at work, would it be convenient for you to take me to see it later?" Sun Liang said politely.
"Brother Sun, if you want to see the house, it has to be convenient no matter how inconvenient it is." Zhang Qiyuan said jokingly, and then said: "I will confirm with the owner first to see if it is convenient for them. I am afraid that they will not be at home during the May Day holiday. After I have contacted them, I will make an appointment with you."
"Okay, thank you for your help then." Sun Liang said.
"Brother Sun, you are so polite. I will call the owner right now."
After hanging up the phone, Zhang Qiyuan quickly took out his mobile phone to check and found that the price of the fully-decorated house in Nanchen Yayuan had indeed dropped from 205 million to 200 million.
Looks like it’s urgent to sell!
Zhang Qiyuan complained in his heart that when he went to her house before, Sister Qin was so tough, but now she wants to lower the price.
This market situation will educate every tough owner.
He originally thought that the owner would lower the price after May 3rd, but he didn't expect that he would start lowering the price just two days later.
As a former owner, Zhang Qiyuan could clearly feel the owner's urgency to sell.
After a little thought, he called Sister Qin.
"Hello, is this Sister Qin? I'm Xiao Zhang from Shijia Real Estate who came to see you last night." Zhang Qiyuan said softly, trying his best to make his voice sound clear and attractive.
Who isn't a man-clip?
"Oh, it's you. I remember you said last time that you had a client who liked my house. Now it's..." Sister Qin on the other end of the phone immediately recalled the scene of that night and remembered it instantly.
"It's like this. My client just told me that he wanted to see a house. Are you at home now? Is it convenient for him to see the house?" Zhang Qiyuan asked.
"At home, it's convenient. When will your client come?" Sister Qin's tone became much more polite. She and her husband had hoped that the new policy issued by the new district would stimulate the second-hand housing market, but they didn't expect that the new policy of the new district only applies to new houses. In addition, there were no viewings during the May Day holiday, so she and her husband were a little panicked. That's why they urgently reduced the price by 50,000 yuan, hoping to sell the house as soon as possible.
Zhang Qiyuan looked at the time. It was already five o'clock in the afternoon. He thought for a moment and said, "After I confirm that you are at home, I will make an appointment with the client immediately. However, I don't know much about your house before. I want to ask if you still have a loan for this house?"
He can see other information about the house on Beike, but he is not very clear about the loan, so he needs to find out about it in advance.
"The bank has a loan of 100 million yuan, and a second mortgage of about 40 yuan." Sister Qin said after a moment of hesitation.
Hearing this, Zhang Qiyuan frowned immediately.
The so-called second mortgage is the second mortgage. The house itself is mortgaged to the bank to borrow a loan, but some owners who are extremely short of money will mortgage the house to the lending institution again. Often, for this kind of second mortgage, the real estate certificate will be pledged to the lending company, so it is very likely that the owner does not have the real estate certificate now.
"Can you handle this second mortgage loan by yourself?" Zhang Qiyuan asked.
If the owner can take care of the second mortgage loan by himself, then he can directly go through the process of transferring the property with the mortgage.
"This is easy. We can just find a bridge company when the time comes." Sister Qin said casually.
The so-called bridge loan means that the owner is unable to repay the second mortgage, so he needs to borrow money from a financial company to repay the second mortgage loan and redeem his property certificate. However, the handling fee for this bridge loan is very expensive and is in monthly units. If it exceeds one day, it will be counted as one month. If the owner is not really short of money, he will not easily find such a bridge company.
"I see that the price you listed on Beike has been reduced to 200 million. What's your reserve price?" Zhang Qiyuan asked tentatively.
"The reserve price is 195 million. It can't be any lower." Sister Qin continued firmly.
"Okay, I'll make an appointment with the client here. After the appointment, I'll come to you." Zhang Qiyuan smiled indifferently.
The house is already mortgaged twice, but you are still so tough!
After hanging up the phone, Zhang Qiyuan immediately contacted Sun Liang and agreed to meet at the entrance of Nanchen Yayuan community at six o'clock.
After saying something to Sister Qin, Zhang Qiyuan returned to the dormitory carrying his fishing gear bag and the fish he had caught. After feeding the fish into the sink, he headed to the store.
When he arrived at the store, he happened to see Xiong Wei, Huang Yi and Wang Yong chatting at the door. When he approached, Xiong Wei stopped talking and just looked at him coldly.
Zhang Qiyuan was not interested in what they were talking about, it was nothing more than trying to win them over. After greeting Huang Yi, he said to Wang Yong, "Brother Wang, there's a showing coming up soon, can you go with me?"
As soon as these words came out, Huang Yi was immediately surprised and said, "Sure, Xiao Zhang, you have shown me again. I'm not going to sign the contract tomorrow. You are worthy of being my apprentice. I now declare that you will be my true disciple from now on."
"How could it be so fast? I was just taking a look."
Zhang Qiyuan shook his head, then went into the store and took out some shoe covers.
"Then we'll go show it to you first!" Wang Yong said hello to Huang Yi and Xiong Wei, closed the door, and went to Nanchen Yayuan with Zhang Qiyuan.
Looking at the two people's backs, Xiong Wei said with a gloomy expression: "Huang Yi, go print out a piece of paper saying that the agency fee is only , and put it in the exhibition sign outside the store tomorrow."
"Isn't this a bit bad?" Huang Yi hesitated.
"Just do it when I tell you to. Why do you care so much?" Xiong Wei scolded in a bad mood.
(End of this chapter)
