Wen/Understand Sister
These two days, the Internet began to popular a story, a girl thrifty with a loan to buy 9 suites, usually do not consume, the monthly savings rate of more than 90%, many netizens are amazed and by some people feel that this woman is the eternal god.
Sister An An, who once had 9 suites, scoffed after reading it: they were all blind grins.
An Anjie, who is in her early 30s, really once owned 9 suites, which is no exaggeration. As a native of Daxing District, Beijing, An An's parents are located in the village demolition, and An An is an only child, in order to save trouble, in addition to the one where he lives, the 4 suites of the demolition are all under The name of An An.
An An, who grew up in the village, felt that his ancestors had been either workers or farmers for three generations, and had never seen so much money, so he was afraid to go back to the days when he was a child and didn't even have briquettes in winter. When An An went to college, the tuition fee was still borrowed, so An An also cherished the days of having money.
In those years, house prices soared, and all the partners in the village who got the house and got cash, in addition to some of them burning bags to buy luxury cars to drive special cars, a considerable part of them joined the team of speculating houses, and An An just hit and bumped by mistake and entered the speculation group.
Unlike the southern speculation group all over the country, An'an's northern school speculation group mainly fried several houses:
First, second-hand houses within the fourth ring road of Beijing. Although the price has always been high, but high in and high, in their jargon, as long as the water level is high enough, you can go to the big boat. So An An mortgaged one of Daxing's demolition houses to make a down payment, and then used the money from two sets of Daxing rental houses as a monthly payment, in the eyes of an An, using the money of the bank and tenants to make money is the most relaxed and comfortable.
Second, fry the apartment. Beijing has been on fire for short-term rental apartments for quite some time, and An An and her friends have indeed added a lot of firewood. They even followed the routine of capital: there are enough listings to have enough markets, enough funds with enough scale to have a valuation, and a valuation can be combined with the capital market. Although the capital market she knew before she touched the capital market was the stock market, and her mother also lost money by playing.
third. Partner as a company. There is a legend that in the outlet, pigs can fly up, around 2016 for a period of time, An An felt that he was a pig flying on the outlet, mixed in the group of small partners, as an early participant, she did not even take her own money to speculate, everyone is taking cash to find the landlord to buy a house, after having a house, whether it is rented or not, directly take the commission. In this environment, he knows that the friends in the village sell their houses to the company as a house, and the company still pays bonuses to the commission.
So the company soon had more demolition households joined, not only Daxing Fengtai, but even the demolition households in the east of Chaoyang also entered with cash.
When the big guys were at their most lively, An An had a sense of crisis. She calculated an account for the company: the acquisition of the listing is directly cash, and the bonus to the employees is also cash, but the occupancy rate does not increase, and the pressure on cash is very large, and this game is really hot. Therefore, after she got more than 1 million performance bonuses at the annual meeting, An An took a few small partners to start a new stove.
This 1 million in cash, more is not more, less is not less. If you join someone else's business, it is likely to be cut leeks, An An and a few rich demolition households formed a group of their own, the same routine as the previous company, but do not do apartments, is to resell second-hand houses. One person can't make up a down payment for three people, and three people can't set up a company as the main body to buy and sell houses. In less than two years, a small company with a registered capital of 2 million yuan has 10 suites under its name, and their territory is constantly expanding: when they buy a house, they make collateral, mortgage new money and buy a house, and the rent of the front house is used to repay the monthly payment.
An An is calculating accounts every day, in this game rules, as long as the house price is rubbing up, the monthly payment is not a problem at all, as for the rent, it is also a flowing water. The annual rent of the two-bedroom apartment in the fourth ring road is only 100,000, but the house price has risen from 60,000 square meters to 70,000 square meters in only 2 months, calculated at 100 square meters, and one million will come out.
In the so-called bull market of people's hearts, sometimes there is no need for the market to really increase the price, that is, the intermediary has a listing skill, plus all buyers are getting on the car more and more than a year, An An and his friends for more than a year, everyone has an extra suite in their hands.
Many people who have a house first think of mortgaged the house and then borrowed it, and then wait for it to rise.
If the house has been rising to be fine to say, but there is no eternal market. Since the beginning of 2018, An An has deeply understood the meaning of the two words "tight". The house under the company's name does not rise, and everyone will think of selling. Selling will lose money, and if you don't sell, you will have to pay a monthly payment - but everyone has several monthly payments in their hands, so for a while, An An and his friends laughed at each other: they were so poor that only the house was left.
An An often couldn't sleep at night, so he had to think about buying a few sets quickly. Fortunately, An An was willing to "cut" and deal with some houses that made her feel difficult before the epidemic; her partners in the village were blacklisted because of overdue bank loans for multiple suites. And the recent news of the real estate tax also made her take a breath of cool air, thinking that it was dangerous, if she did not deal with the debt quickly, she would almost run away from supply.
An An sighed for the rest of his life, not frugality to buy multiple apartments, but to use loans to buy multiple suites, you have to be frugal. She is still a little afraid of that kind of time: the party can only buy a corn cob on the street, tens of millions of assets, in fact, there is no money in the pocket to eat.