Chapter 4 Buying a House 1
"Do you learn finance and economics?" Ji Feng asked.
Tang Mier shook her head, "No, I am learning computers, I think the future will be the world of the Internet!"
Ji Feng held his hands together and placed them on the table, graceful and casual, "Ms. Tang, how big are you going to buy? How much down payment are you going to pay? You are a student and have no job. What income are you going to rely on to repay the loan? Although the bank supervision is not strict, you can ask someone to do a certificate of income to deal with the bank's investigation, but it is not a long-term solution."
Tang Mier had already considered these issues before planning to buy a house.
Her back is straight, sitting in a straight posture, and her eyes are shining with crystal light, "I have done a survey. Fenghuayuan has three types: 108 square meters, 138 square meters and 408 square meters large flat floor. I bought 108 square meters, with a total price of 1.08 million yuan. The down payment for commercial loans is 20%, and I pay 50%. If you are willing to give me some discount, I can pay a little lower down payment, less money, and less pressure. As for mortgage loans, you don't have to worry that I can't afford it. I will continue to work and rent the house to support the loan."
Ji Feng was surprised, "Do you have 600,000 in your hand?"
For him, a mere 600,000 is naturally a drop in the bucket, but with the average salary of employees in Beijing exceeding 2,000 per month, ordinary families rarely have such savings.
Tang Mi'er dresses ordinary, but she doesn't look like a rich man.
Even if 200,000 of them are rewarded by oneself, the remaining 400,000 is not a small amount.
Tang Mier frowned slightly and replied solemnly: "Yes, I have it. I went to a private high school. Our school and the school board rewarded me a total of 500,000 yuan. The town, county, city and province also rewarded me with one sum of money, as well as the prize money I received in various competitions before, the rewards for selling learning materials and the money I earned in small businesses."
In fact, there are about 900,000 yuan in her bank account, so there is no need to explain it to Ji Feng.
The current housing prices in Beijing are generally 4,000 to 5,000 yuan per square meter, and 6,000 yuan per square meter is the best. She likes Fenghuayuan, a high-end community developed by Feiteng Group. Whether it is the location, safety, living environment, and living measures, they are better than ordinary communities. They are also very close to the Science and Technology Village and Financial Street, which is convenient for finding a job after graduation.
You get what you pay for. Food, clothing, housing and transportation are always expensive.
Tang Mier plans to mortgage a better house for her to live in first, and then buy a second-bedroom apartment with full payment for the remaining money to rent it out. The rent is used to pay off the mortgage, so that it will be not enough to make money by working.
After hearing Tang Mier's words, Ji Feng said, "I didn't expect you to be so outstanding at such a young age. But I underestimated you."
"It's a thousand miles away from you, Mr. Ji." Tang Mi'er's smile was sweet and soft, "Manager Li said he couldn't be the master of his family. Can you, can you give me some discounts on buying a house? It's very important to me."
Even if it is 500 per square meter, she can save 50,000, which is not a small amount of money.
"Ms. Tang, I can give you appropriate discounts, but is your age enough to buy a house independently?"
Tang Mier couldn't wait to say, "My ID card is already nineteen years old!"
"Nineteen years old?" Ji Feng didn't believe it.
Assistant Chen explained: "Ms. Tang's age has changed to two years older, and his actual age is seventeen, or less than seventeen."
After hearing this, Ji Feng suddenly realized that he was really a minor.
Chapter completed!