1077: Eat and Wipe (3 More)

Ying Jinchuan glanced at Xia Xiaolan and proposed a 10-year mortgage loan to buy a house. Isn't this asking the house buyer to work for the bank for 10 years?

It can only be done abroad, and I don't know if there is a market in the mainland.

Most Chinese people think that they will owe money to the bank for 10 years, that is, they can't sleep!

"Ten years is too long, the bank didn't agree, they are only willing to pay for three years, and the down payment should be at least 50%."

Ying Jinchuan thought that Xia Xiaolan would be dissatisfied, but how could she know that she was already smiling:

"3 years is 3 years. It's always better to have something than nothing, but 50% of the down payment is too high, so it's better to talk about 30%. If the total price of a house is 100,000 yuan, 30,000 yuan will be enough for buyers. burden."

The remaining 70% can be borrowed from the bank. As for how to repay the 70% of the house payment in two or three years, it is not something that Xia Xiaolan can consider. If you can’t repay the loan, the bank will take the house. If you can’t afford the house, you can sell the house. It’s no problem to get the down payment back.

Ying Jinchuan didn't know what was at stake between 50% and 30%. Xia Xiaolan used land loans to allow buyers to mortgage the house. It was the buyer who mortgaged the house to the bank and slowly repaid the bank's money. For Qihang... Whether it is 50% down payment or 30% down payment, it does not affect Qihang's collection of money!

If you don't understand, it's not ashamed. Ying Jinchuan asked Xia Xiaolan, Xia Xiaolan laughed:

"That's very different. If you make a 30% down payment, our customers' deposits will not necessarily be emptied. We can save 20% of the down payment. They still have cash left in their hands. Don't they just keep it for decoration?"

Ying Jinchuan of the Buddhist system also twitched his face, and could not help but bow his hands to Xia Xiaolan:

"Mr. Xia, it's really disrespectful!"

There are business people who get into the eyes of money. There are not many people like Xia Xiaolan who want to eat and wipe. She wants to make money when someone else buys a house, and she won't let go of decoration after finishing it! Of course, the renovation is for her uncle Liu Yong's Yuanhui. The Jinshachi community will cost hundreds of households if it is repaired. If Liu Yong can afford more than half of the renovations, the amount of work will not be less than the Nanhai Hotel will distribute to Yuanhui. do that part.

It turned out that he had to quarrel with the bank for this matter. Ying Jinchuan suddenly realized that it was a business worth several million dollars. What's the strange thing about wasting a few words of saliva? It wasn't Xia Xiaolan's saliva that was wasted, but his surname. Yes.

Ying Jinchuan ran off the 16 million loan and asked Xia Xiaolan for the first time: "Mr. Xia, I know other people's wages, but not my own. What is my monthly salary?"

Xia Xiaolan was not angry at all when asked about salary like this, but was very happy:

"How much does Manager Ying want? Say a number and let's discuss it."

Xia Xiaolan said that he was the chief financial officer, but Ying Jinchuan knew that he was a bare commander. A 'manager' sounded better than anything else. It seemed that he had really trained two financial officers for Qihang. Let him do the accounting.

Now the person with the highest salary is Wang Houlin.

Ge Jian estimates that he will not take less. The overall income of the project manager should be reflected in the bonus after the project ends. In terms of monthly salary alone, Wang Houlin is the highest on the bright side.

"Then follow Wang Gong?"

Xia Xiaolan didn't hesitate at all: "Yes!"

There is nothing difficult to talk about salary, I am willing to talk about salary, which proves that I am a little concerned about the sailing.

The person introduced by Tang Hongen, even if he is a Buddhist, knows how to use money to do things. This Ying Jinchuan is probably very capable. Xia Xiaolan wants to let the other party do his best for Qihang!

After Ying Jinchuan left, Mao Kangshan continued to talk about what he had just started. Xia Xiaolan could not resist the kindness of the teacher and Wang Houlin, and finally agreed to the revised new plan.

She also took out the picture she drew, "This is the entrance of the community, there are two buildings on the left and right, so we need to build this first, these two buildings need to be built faster, we have to let the people of Pengcheng see what the house will look like after it is built. Get a decent sales department!"

"A few rooms at the door are the facades?"

Xia Xiaolan blinked, "It's the facade, the Xiangmi Lake is on the right, there are so many tourists, the store here will not fail to sell."

It's not bad if it can't be sold. Xia Xiaolan keeps the property rights and leases the store to others.

Her drawings are really nice.

The style of the houses in the community came out, and it was the annotation of some data that made Mao Kangshan want to spray people.

Then Xia Xiaolan was really caught by Mao Kangshan and spat on the side: "You are so imprecise, what if the house you built collapsed?"

"How is that possible? There are teachers and Wang Gong watching. We don't cut corners when building the house. We have just entered a lot, the cement is up to standard, the thickness of the walls must be guaranteed, and the foundations must be laid firmly. It is not easy to build the house! "

How hard is it to build a house?

When developers want to make money, it is only right and proper.

As long as the quality of the house sold to others is guaranteed, it is the developer's own ability to sell how much you are willing to sell.

Xia Xiaolan definitely wants to make money, but not by cutting corners to make money from the cost of the house.

Such a simple truth is not because the developers of later generations do not understand, but because the land price is too high, because the developers are too greedy, or because the supervision of engineering outsourcing is poor? It is possible that various factors are intertwined to cause problem houses to appear frequently!

Xia Xiaolan can't control the general trend of soaring house prices, she still has to make money from the soaring house prices.

But at least the house built by the company under her name has to be guaranteed for quality. It is hard to say how much impact it can bring to the industry. She is willing to try it.

Several of the standards she mentioned are the key to the quality of the house. Mao Kangshan was choked by her, just in the work shed.

Aunt Song called everyone to drink mung bean soup, and Mao Kangshan let Xia Xiaolan go.

"Teacher, you can see that my wife is on the construction site all day long. I'm here to ask you to come and enjoy the happiness. It's clearly here to be tired."

Mao Kangshan and Aunt Song retired the guest house, and they rented other people's houses nearby.

Seeing what Mao Kangshan meant, he didn't plan to leave until the Jinsha Pool project was completed.

He also does not do the work of the Hangzhou Provincial Construction Institute. Now he is a specially hired 'consultant' of the Guangdong Provincial Construction Engineering. It's just that his consultant spends more time at Xia Xiaolan's construction site and less time when he goes to Yangcheng... Fortunately, Zhou Maotong is in charge of the matter. , Otherwise, Mao Kangshan's 'consultant' won't last long.

Xia Xiaolan wanted to pay her teacher's salary, but she suspected that she would be sprayed with blood when she opened her mouth.

She had a plan in her heart, but she had to wait before she could say it.

Mao Kangshan drank the mung bean soup and glanced at her: "You are thinking too much, you want to do everything well, I am staying here very well, and your wife is also happy, don't worry about it so much!"

Aunt Song can feel who is really concerned and who is hypocritical.

The house where I live is not far from the construction site. Aunt Song is willing to come and visit every day. The construction site invites people to cook, so Aunt Song will not be tired. Xia Xiaolan thought, let someone go to Hangzhou again, take care of Teacher Mao's house, and surprise the second old man after a while!