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 one in Xingcheng Jingyuan with a lower floor plan. She was very satisfied with the large flat-floor house and the 143-square-meter finely decorated house in Blue Sky International." Wang Yong said.
"How much does that 143-square-meter house cost?"
"The listing price is 2.7 million, and the reserve price is 2.6 million." Sister He replied.
Zhang Qiyuan silently calculated in his mind and said: "This house is quite expensive."
You know, the current rough transaction price of Blue Sky International is only 14,000. Even including decoration, 2.6 million is too expensive.
"It is quite expensive, but the owner is not short of money. The decoration is very good. The walls are all sprayed with diatom mud. The decoration style is a bit bourgeois. The client Wang Yong likes it very much." Sister He said.
"Then this Sister Chen will probably be with you for a long time."
Zhang Qiyuan shook his head and said, judging from the houses that Sister Chen looked at, including high-rise, stacked, and large flats, it can be seen that this customer has not thought about what kind of house he wants at all, and is just looking at the house.
This kind of customer cycle is very long.
"It's okay. We are already old customers anyway. I just need to look for more houses." Wang Yong said nonchalantly.
"You'd better ask her husband out to see the house, otherwise it's useless for her to see it alone."
Zhang Qiyuan gave his own advice. For a customer like Sister Chen, whose entire family is in the pharmacy business, the man should have a stronger say in the family. Only if the man likes the house can the deal be possible.
"Okay, I'll date his husband next time." Wang Yong nodded. He could still listen to Zhang Qiyuan's suggestions. After all, Zhang Qiyuan helped negotiate several of the deals he closed this year.
About ten minutes later, Huang Yi, Wang Qun, and Li Xin came back. Also coming back with them was a man who looked to be in his mid-twenties, tall, square-faced, burly, with bright eyes. God, gave Zhang Qiyuan a feeling of being both rough and shrewd.
"Mr. Zhang, you are back."
Seeing Zhang Qiyuan, Wang Qun was very surprised and said immediately: "Mr. Zhang, this is my client Mr. Yao. He has taken a fancy to your penthouse and wants to settle 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 of Unit 3301, Building 4?" Zhang Qiyuan confirmed with Yao Jun.
"Yes."
Zhang Qiyuan glanced at Wang Qun and continued: "That house leaks, do you know?"
"I know, they told me." Yao Jun's eyes flashed and he said: "I have taken a fancy to this house, but now I don't have enough liquidity. I wonder if your store can do such high reviews?"
Hearing this, Zhang Qiyuan immediately understood why this person wanted to buy this house.
He suddenly felt in trouble. Although they could indeed speak highly, this kind of thing was illegal, especially in this sensitive period.
The current transaction price of Blue Sky International is around 14,000, and most of the houses are priced at 15,500. Even if there is no high evaluation, this house can be evaluated at 15,000 per square meter under normal evaluation. This house is 133 square meters, that is It is said that the appraised price can be estimated to be around 1,995,000. According to the current two-tier down payment policy, the customer can borrow 1.59 million. As for this house, he is sure that he can negotiate for 1.5 million. If the deal is completed, the landlord will pay 90,000 to the customer after receiving the balance from the bank.
Now that the real estate industry is in recession, there are many professional debtors. Some people are specifically looking for this kind of house. He has to consider this risk. After all, this customer doesn't care about leaks in the house at all.
Now there is a new type of fraud. They will specifically look for people who are 25 to 45 years old, who have never seen the world in some small cities, and whose education level is not high. Then they will screen those who have no problem with their credit report and are willing to cooperate. Three months Give 100,000 or 200,000, including food and housing.
Then within these three months, they will package these people, transfer a house to them, help them get a business or a car, and pay social security and provident funds for a period of time. After packaging, they will go to the bank Going back and forth with the loan company.
They used the transfer of ownership to apply for a renovation loan for his house, used the name of a company to get a commercial loan, used the car to get a mortgage loan, a second mortgage on the house, and various small loans. As long as they can get a loan, they can lend it out. , an average debtor can get a loan of 1.5 million.
After getting the money, these people will transfer the money, and then the person will disappear. Although the debtor can get the money quickly and earn 200,000 in three months, after three months, if the money is not available, he will You will become a dishonest person and enter the bank's blacklist.
Their agency only earns an agency fee. There is really no need to take this risk, and there are still customers interested in this house.
"This house may not be highly praised." Zhang Qiyuan thought for a while.
Yao Jun frowned and said, "Why? Can't your small company do it?"
"If you want to get a high rating, you need the cooperation of the owner, but if you think about it, if you get a normal loan for this house, you can get a loan of 1.59 million. The owner's base price is 1.65 million. That means you only need to pay 60,000 to buy this house. A down payment of RMB 10,000 is enough, but if you get a high rating, the owner will pay you money later, and no owner will be willing to do such a thing." Zhang Qiyuan said.
It is impossible to praise him highly!
But there is still no problem with normal evaluation.
Even if something goes wrong in the end, they followed the formal procedures and it has nothing to do with their agency.
And if this customer doesn’t have a down payment of 60,000 yuan, then there is no need for him to make this order.
Hearing that the down payment was only 60,000 yuan, Yao Jun frowned slightly and said: "If it is the fastest, when can the transfer of this house be completed?"
"If there are no problems with your credit and flow, and it is a commercial loan, we can do the transfer with security, which may take half a month." Zhang Qiyuan thought for a while.
He has had several previous clients transfer property with security, and he is very clear about the process.
"You can definitely transfer the ownership within a month?" Yao Jun confirmed.
"If there is no problem with the qualifications, it will definitely be completed within a month." Zhang Qiyuan said.
"Okay, you can invite the owner to come over and negotiate the price." Yao Jun said after thinking for a moment.
"ah?"
Not only Zhang Qiyuan was surprised, but everyone in the company was shocked. They had just viewed the house, and it was a leaky house. After viewing it, they had to make an appointment with the landlord?
Zhang Qiyuan knew that there must be something wrong with this.
But as long as their company follows the procedures, even if something happens, there will be no problem with their company.
"Okay, then you sit in the store for a while and I'll make a call to 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 chapter)