Starting From The Internet Shenhao

"No, I'm still renting a house."

Chen Hao did not hide, but told the truth.

I have changed someone else, have billions of dollars in net worth, and tens of millions of disposable cash, but I still live in a rented house. Maybe I am embarrassed to say it.

Especially in front of beautiful women...

But Chen Hao doesn't care at all, because buying a house is not difficult for him, it's just a matter of time.

In addition, if he wants to buy, he must buy a luxury house.

Ordinary houses can't enter his eyes.

Hu Xiaoyan was a little surprised. According to her perception, shouldn't a wealthy person like Chen Hao own a few suites?

Generally, people with abundant cash flow like to invest in real estate.

Of course, it means domestic...

Hu Xiaoyan doesn't know much about Chen Hao. She is just a bank employee, not an account holder.

Her current knowledge of Chen Hao is nothing more than the capital flow of his China Merchants Bank card.

If you become Chen Hao's private bank account manager in the future, you will have a better grasp of Chen Hao's assets.

"Well..., if Mr. Shen wants to buy a house, our private bank can provide a full range of services. From screening properties that suit your preferences, to contacting developers, to helping you negotiate prices and providing commercial loans, one Long service will definitely satisfy you."

Hu Xiaoyan said with a smile.

Chen Hao shook his head, "Don't worry about this, by the way, Miss Hu, if I become a customer of your private bank, can I get a loan through your bank?"

This is his real purpose for seeing Hu Xiaoyan!

The next system upgrade requires 100 million experience points.

If only relying on system rewards, Chen Hao would have to wait for nearly two hundred days, that is, half a year to upgrade the system again!

In addition, the funds he invested in the company do not generate experience points, so the actual upgrade time may be longer.

Chen Hao can't wait...

If you can get a loan from the bank, you can upgrade the system as soon as possible!

This time it was Hu Xiaoyan's turn to be stunned. She came to persuade Chen Hao to become a client of a private bank and leave the property to the bank to take care of.

How did it become? Chen Hao wants to borrow money from the bank...

Of course, private bank customers are not unable to obtain loans from banks. After all, that is also one of the main businesses of banks.

Can……

Shouldn't talk about this now.

"Mr. Shen, what do you plan to do with the loan? Will it be used for the expansion of the company? In that case, you can apply for a loan in the name of the company, and you don't need to borrow it personally." Hu Xiaoyan thought Chen Hao didn't know the bank. The loan rules are introduced.

If Chen Hao really intends to put the loan into the bank, he does not need to do it in his own name.

It is much more convenient to use the company name.

Because the company has the corresponding mortgage qualifications, the bank's review of the process is also different from personal loans.

In general, even if you can borrow more money, the process is much simpler.

Even if the worst happens, for example, the company's business is unfavorable, then the company will be responsible for the consequences, and the big deal will go bankrupt.

"No, of course not. What if I use the loan for consumption." Chen Hao shook his head and smiled.

"Ah? Mr. Shen is joking. You have so much income every day, and you still need loans to consume? What are you buying? You need so much money." Hu Xiaoyan blurted out.Chen Hao did not rush to answer, but picked up the water glass from the coffee table and took a sip of water slowly.

In fact, he has already summoned the system in his mind, because he needs to verify one thing from the system.

【Shenhao System】

【Current System Level: Level 5】

[Every second, get 6.25 yuan in cash]

[Upgrade experience: 6945，000100，000，000]

[Note 1: For every 1 yuan spent, you can get 1 point of experience]

【Note 2:…………】

【Network Shenhao Experience Card:…………】

...

The accumulated experience has reached seven million, but it is still very far away from one hundred million.

However, Chen Hao would not care about this. He asked silently: "The system, if I borrow from the bank for normal consumption, can I get system experience points?"

After asking, Chen Hao held his breath, waiting for the answer he was expecting!

【Can! Being able to get a loan from a bank is also a manifestation of ability. However, the funds that will be repaid in the future will not receive system experience points. In addition, the funds obtained through the purchase of real estate and resale will no longer receive experience points...]

Chen Hao's heartbeat speeds up slightly, he guessed it right!

Through borrowing from the bank to consume, it is true that experience points can also be obtained.

Although doing so, the amount of loan repayment in the future will definitely be more than the amount of money borrowed, and overall the experience value obtained is reduced.

But as long as the system can be upgraded earlier, all the effort is worth it!

Putting down the water glass in his hand, Chen Hao smiled slightly, "Didn't I just say that, I haven't bought a house yet, so the loan is naturally to buy a house. Moreover, I want a luxury house! I don't have enough cash, so I want to find a bank loan. ."

Hu Xiaoyan breathed a sigh of relief.

If it's a loan to buy a house, it's easy to say.

General banks also have so-called consumer loans, but the amount is not high, and it is only a few hundred thousand.

But the mortgage is different!

A house is a real estate, and you can treat it as an investment.

In addition, these years, there is no loan for buying a house.

Especially in the first-tier big cities, a house can be millions in size when it is not moving, and a luxury house can even cost tens of millions to hundreds of millions.

For a house purchased through a loan, the property rights of the house must also be mortgaged in the bank. Even if it is a mortgage with a mortgage, the procedures are relatively easy to handle.

"There is no problem buying a house. With Mr. Shen's income, if it can continue to stabilize. There are nearly 20 million in deposits every month. Even in Pengcheng, you don't need a loan to buy a house."

When she said this, Hu Xiaoyan was actually very envious in her heart.

Buying a house in Pengcheng, this is also her biggest dream!

Yes, this is a "dream", not an "ideal".

It means that you can only think about it in a dream...

Housing prices in Pengcheng skyrocketed in 15 years, and the average transaction price of commercial housing in the urban area has now become the first in the country!

More than 70,000 per square meter!

This is just the average price. If you want to buy a slightly better location, the real estate environment is more beautiful, and the surrounding supporting facilities are more complete.

The price will be over 100,000...

The total price of any house of 100 square meters must exceed 10 million!

Although Hu Xiaoyan is an employee of China Merchants Bank, her basic salary is only more than 7,000 a month.

With tax deductions and five social insurances and one housing fund, only 6,000 yuan was obtained.

With this kind of income, you can save less than 100,000 yuan a year without eating or drinking. If you want to buy a house, you have to save a hundred years...

Of course, her income will rise in the future.

Perhaps it will reach a monthly income of over 10,000, or even 20,000 to 30,000.

But even with that kind of income, it is still far away from buying a house. What's more, the rate of house price increase is much faster than the rate of wage increase...

Thinking about his income, and comparing Chen Hao's income, Hu Xiaoyan felt sour in her heart.

It seems that Chen Hao is about the same age as himself, but the difference in life between the two is too great.

It's like one in heaven and one in... hell!

…………

"If you wait a few months, naturally you don't need a loan, but I want to buy it earlier." Chen Hao said with a smile.

"That's okay, Mr. Shen's account has more than 500,000 yuan in every day, and he only needs to wait ten days, which is almost enough for the down payment of any property. We are happy to provide you with a loan. I don't know where Mr. Shen wants to buy. Where's the house?" Hu Xiaoyan said briskly.

Chen Hao thought for a while, he really didn't know much about the mansion in Pengcheng.

But there is a name, he absolutely knows.

One Pengcheng Bay!

This real estate can be said to be synonymous with Pengcheng mansion.

Anyone who mentions Pengcheng’s luxurious mansion may be the first to think of Pengcheng Bay One.

Pengcheng Bay belongs to the central area of ​​Houhai, where there are many high-end properties.

Speaking of the mansion here, Pengchengwan One is of course the representative. The Pengcheng Bay No.1, which just opened in 2011, has created a number of Pengcheng bests since its launch.

Even in 2017, in the central area of ​​Houhai, Pengcheng Bay No. 1 is still one of the most expensive real estate.

"Pengcheng's most expensive mansion"

"The Highest Residence in Pengcheng"

"Pengcheng's most beautiful sea view mansion"...

These are the headlines that are often seen in the news, and they are naturally referred to as Pengcheng Bay One.

Of course, Pengcheng Bay No. 1 is actually not the most expensive real estate in Pengcheng. The price of villas on Tianqin Island is much higher than here.

It's just that the name of Tianqin Island still doesn't sound like Pengcheng Bay.

No. 1 Pengcheng Bay, occupying the new heights of the global bay area, has become one of the world-class luxury houses and has an absolute lead in China's top luxury houses.

The viewing process of top luxury houses is naturally different from that of ordinary commercial houses. Most people want to visit, but I’m sorry, but you can’t get in. You must make an appointment first, and you have to have a bank deposit certificate of more than 20 million yuan before you are eligible to enter the house, because the cheapest house here is also 40 to 50 million yuan.

The smallest apartment here is more than 200 square meters, and on the market, the house price of Pengcheng Bay No. 1 has risen to more than 200 square meters.

Calculating this way, the smallest unit is around 50 million.

Without the help of Hu Xiaoyan, Chen Hao really would not even be eligible to see the house.

Unless he saves money for two months before going to the house...

Obviously, Hu Xiaoyan had also heard of the name of Pengchengwan No. 1, and Chen Hao was not surprised after Chen Hao said the name.

Obviously, a rich man like Chen Hao has only a few mansions in Pengcheng to be worthy of his wealth!

"In this way, Mr. Shen, you can become a customer of our private bank first. After a month, your bank card has more than 10 million, enough to pay the down payment of the Pengchengwan house, then I will help you with the loan How?" Hu Xiaoyan responded."I don't care about the other things, just make a few small requirements. It must be high-rise, at least 30 floors or more, and it must be finely decorated, and you can move in directly. Oh, yes, the price cannot be less than 100 million."

Chen Hao's previous requests were all normal, and Hu Xiaoyan nodded repeatedly.

But the last one scared her.

Most people who buy a house will say "no more than a certain price", how can they say "no less than how much money"!

And, what the hell is not less than 100 million!

Looking at Chen Hao's age, he is probably not married yet. As for buying such a big house!

"A month or so, my card will have a balance of 20 million. But I hope I can buy the house within a month. As for how to buy it, you can figure it out." Chen Hao said casually. He raised Erlang's legs leisurely and stared at Hu Xiaoyan.

"This is impossible! You must have 20 million on the card before we can start the loan process, and if you buy a luxury house worth 100 million, a 20 million down payment is not enough." Hu Xiaoyan stood up and shook his head again and again.

She understood what Chen Hao meant.

Chen Hao is saying that the loan process goes first, and he will slowly save money on his card.

And before the balance on the card reaches 20 million, one must buy a 100 million mansion.

This is a bit too ridiculous, it is completely impossible to do.

"If this is not possible, then why should I choose your China Merchants Bank? Perhaps Citibank welcomes me as their private banking customer. You should also know that Citibank and I also have business dealings, which is important to my strength. , Maybe they will understand better." Chen Hao said calmly, not caring at all.

Hu Xiaoyan's face was a little overcast.

On Chen Hao's China Merchants Bank card, the amount remitted every day is indeed remitted through Citibank.

Could it be...

He also has a huge amount of money to invest abroad!

This is very possible, otherwise it is impossible to explain why so much money is remitted to his domestic account every day.

But……

Even so, the loan cannot be approved. Although China Merchants Bank is not a state-owned bank, the loan procedures are relatively less stringent.

But it's not that 80 million can be loaned casually...

"If it can be done, after the house is bought, I will deposit more than two million in my account every day!" Chen Hao added.

Hu Xiaoyan's eyes widened in an instant, and she asked incredulously: "Really? Two million?!"

"Yes." Chen Hao replied.

"Then why don't you deposit two million a day now, or say, deposit tens of millions more at once, so you don't need to be so troublesome." Hu Xiaoyan asked puzzledly.

"Um... Foreign funds can't be drawn out for the time being, it will be possible after a month. In addition, if you can't handle even this little thing, why should I trust you?" Chen Hao asked rhetorically.

This excuse was a good one.

It's not that there is no money, it's that I can't get so much cash for the time being, and it's also a test for China Merchants Bank's private banking.

If you want to win your own big customer, then work hard...

………………

Hu Xiaoyan returned to the head office building with anxiety and excitement.

Even Chen Hao said that he wanted to invite her to lunch together. According to her, she had to go back and discuss with the leader immediately.

Give Chen Hao an answer as soon as possible.

Mainly because Chen Hao said that after a month, more than two million will be deposited into the account every day!

Think about it, more than two million a day.

After one year, isn't there a billion dollars...

this is too scary!

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