Chapter 60: Second Guard
The breeze is gentle and the sun is just right.
Zhang Qiyuan held a piece of dogtail grass in his mouth and sat casually on a stone, staring at the floats in the river. He felt very comfortable. There were many people playing with their children nearby, including lobster fishermen and others. Some were catching butterflies with butterfly nets, while others were simply taking a walk.
This is the place where Zhang Qiyuan often fished 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 located near their Blue Sky International, just across the road. He usually fishes here.
Opposite the ecological corridor are three new developments, Jinchen Terrace, Hupan Yujing and Urban Construction Tianhui. There are no access roads yet, so the people who come here are basically the owners of the communities near Blue Sky International.
Some time ago, he had been busy with the transfer of Li Wei's ownership. These days, he was distracted by the company's affairs. It was rare for him to take a day off, so he simply went fishing here.
For fishermen, after working for a long time, they can relax and have fun all day long while basking in the sun and fishing.
On this day, no one came to disturb him. Only Wang Yong sent him a photo. In the photo, the door of the Aijia Real Estate next door to them was open, with some chairs and sofas in front of the door.
He knew that Xiong Wei had already arrived at the shop, so he told Wang Yong about the situation and continued fishing.
Until the evening, as there were fewer and fewer people around him, some mosquitoes began to appear. Zhang Qiyuan spit out a piece of foxtail grass he had pulled out of his mouth, put away the fishing rod, and prepared to go home.
At this time, his cell phone rang.
Zhang Qiyuan took it out and was a little surprised to see that it was Sun Liang who called him.
"Brother Sun, happy May Day, why did you call me today? Didn't you go traveling or go home or something?" Zhang Qiyuan asked with a chuckle.
"Happy May Day, Xiao Zhang, are you at work?" Sun Liang asked.
"Yes, in our service industry, we basically don't take a break during holidays."
"It's like this, Xiao Zhang, didn't you let me look at a house on Beike before? I paid attention to the finely decorated house I looked at before. I just saw that this house has been reduced by 50,000. If you are at work, Isn't it convenient for you to take me to see him later?" Sun Liang said very politely.
"Brother Sun wants to see a house. It has to be convenient even if it's not convenient." Zhang Qiyuan said jokingly, and then said: "I'll check with the owner first to see if it's convenient for them. I'm afraid they won't be at home on May Day. I'll wait for contact." After that, I’ll make an appointment with you.”
"Okay, I'm sorry to trouble you." Sun Liang said.
"Brother Sun, please be polite. I'll call the owner right now."
After hanging up the phone, Zhang Qiyuan quickly took out his phone and checked. The price of the finely decorated house in Nanchen Yayuan had indeed dropped from 2.05 million to 2 million.
It looks like it’s still in a hurry!
Zhang Qiyuan complained in his heart that when he came to the door before, Sister Qin was so tough before, but now she doesn't want to lower the price.
This market will educate every stubborn owner.
He originally thought that the owner would lower the price after May 3rd, but he did not expect that the price would start to drop just two days later.
As a former owner, Zhang Qiyuan clearly felt that the owner was eager to sell.
After thinking for a moment, 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 to make his voice sound clear and magnetic.
Who isn't a man-cunt?
"Oh, it's you, I remember. Last time you said that you had a client who liked my house, and now..." The scene of that night immediately appeared in Sister Qin's mind on the other end of the phone. , 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 you to see the house?" Zhang Qiyuan asked.
"It's convenient for you to be at home. When will your client come over?" Sister Qin's tone was much more polite. She and her husband originally hoped that the new policies introduced by the new district would stimulate the second-hand housing market. However, they did not expect that the new policies in the new district would only target new homes. In addition, there was nothing to see on May Day, so she and her husband became a little panicked. I urgently reduced the price by 50,000 yuan and wanted to sell the house as soon as possible.
Zhang Qiyuan looked at the time and saw that it was already five o'clock in the afternoon. He thought for a while and said: "As soon as I confirm that you are at home, I will make an appointment with the client. However, I didn't know much about your house before. I want to ask Do you still have a loan for this house?”
He can see all other information about the house on the shell, but he is not very clear about the loan, so he needs to know about it in advance.
"The bank has a loan of 1 million yuan and a second mortgage of about 400,000 yuan." Sister Qin hesitated and said.
Hearing this, Zhang Qiyuan frowned immediately.
The so-called second mortgage refers to a second mortgage. The house itself is mortgaged to the bank for a loan. However, when some owners are extremely short of money, they will re-mortgage the house to a lending institution. Often, for this second mortgage, the real estate certificate It will all be pledged to the loan company, so it is very likely that the current owner does not have a real estate certificate.
"Can you handle this second mortgage loan yourself?" Zhang Qiyuan asked.
If the owner can handle the second mortgage loan by himself, then he can just go through the transfer process with the mortgage later.
"This is simple. Just find a bridge crossing company when the time comes." Sister Qin said casually.
The so-called bridge means that if the owner is unable to repay the second mortgage, he needs to borrow money from a financial company to repay the second mortgage and redeem his property certificate. However, the handling fee for this kind of bridge is very expensive, and it is The unit is month, and if it exceeds one day, it will be counted as one month. If you don’t really have no money, you will not easily find this kind of bridge company.
"I see that your price on the shell has dropped to 2 million. What's your lowest price?" Zhang Qiyuan asked tentatively.
"The base price is 1.95 million, it can't be lower." Sister Qin still said forcefully.
"Okay, I'll make an appointment with the client here. After the appointment is made, I'll go find you." Zhang Qiyuan smiled nonchalantly.
The house has already been mortgaged, yet you are still so stubborn!
After hanging up the phone, Zhang Qiyuan immediately contacted Sun Liang and made an appointment to meet at the gate of Nanchen Yayuan Community at six o'clock.
After talking to Sister Qin, Zhang Qiyuan returned to the dormitory with his fishing gear bag and the fish he caught. After feeding the fish to the vegetable sink, he went 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 gave him a cold look.
Zhang Qiyuan was not interested in what they were talking about. It was nothing more than a matter of wooing him. After saying hello to Huang Yi, he said to Wang Yong: "Brother Wang, there will be a tour guide soon. Can you accompany me?"
As soon as these words came out, Huang Yi was immediately surprised and said: "Okay, Xiao Zhang, I've read it again. You won't sign the contract tomorrow. You are worthy of being my disciple. I declare now that you will be my true disciple from now on." "
"How could it be so fast? Just take a look."
Zhang Qiyuan shook his head, then went into the store and took out some shoe covers.
"Then let's go take a look 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 and print out a piece of paper with an agency fee of only 0.8, and put it in the progress sign outside the store tomorrow."
"Isn't this not good?" Huang Yi hesitated.
"Just do it as you are told. Why do you care so much?" Xiong Wei scolded in a bad mood.
(End of chapter)