Chapter 827： Ghost thinking!

Jiang Chen took the 1 million and went to the bank first.

Go to open a 1 million order deposit certificate.

This is very easy, just finish it straight away.

For depositing money, banks are of course very welcome.

1 million, Jiang Chen can not only apply for a deposit certificate, but also a black gold card, which means that he has deposited more than one million.

The deposit order time is 1 year.

After Jiang Chen finished, he did not leave the bank, but directly used the 1 million deposit certificate to apply for a deposit certificate pledge loan at the bank.

The bank lady was full of curiosity about Jiang Chen, after all, so young, there are not many people who can have a million.

"How much do you want to borrow?"

The bank lady asked curiously.

Jiang Chen thought for a while: "What percentage of your bank's deposit certificate pledge loan can be up to?"

The young lady from the bank checked it and said with a sweet smile: "Generally speaking, our bank allows 80% of the loan by deposit certificate! But for customers with more than one million yuan, the certificate of deposit loan can achieve 100%. Ninety!"

Jiang Chen smiled in his heart.

This kind of fixed deposit certificate loan of the bank is risk-free.

After all, I have a deposit of 1 million in the bank, but only a loan of 900,000. If I can't pay it back, the bank can use the 1 million deposit certificate to offset the account and get back the 10% interest that belongs to the bank.

This is indeed no risk to the bank.

Jiang Chen quickly handled the 900,000 he received from the deposit certificate pledge loan. With this 900,000, Jiang Chen went straight to a sales office.

Although 900,000 yuan could not buy any house in the imperial capital, Jiang Chen drove out of the city and entered a sales office in the Beijing ring area around the imperial capital. The area around Beijing is not so expensive.

900,000 yuan, you can easily buy a 60-square-meter house in full.

With the help of the enthusiastic sales office lady, Jiang Chen immediately got the pre-sale contract for the 60-square-meter house in just over an hour, proving that he already owned the house.

Jiang Chen took the 1 million fixed deposit certificate and the pre-sale contract for the 60 square meter new house and went straight to another bank.

During the entire process, he did not use any of his personal connections, nor did he use the Sunshine Bank under his own name, so this series of operations would not trigger the rules of the system, there was no violation, and the system did not respond.

Jiang Chen went to another bank, took a number, and looked for another young lady.

Jiang Chen took out his one-year million deposit certificate from the first bank, and then took out the real estate contract, handed it to this young lady, and asked: "I want to ask, based on these assets, I can How much is our bank credit loan?"

The young lady smiled and read Jiang Chen’s million bank deposit receipts, black gold card, and real estate contract. She smiled and said: "Hello, dear guests, with your high-quality credit terms, because your real estate is fully funded Payment, without mortgage, you can use the house as collateral and get 70% of the house from our bank, which is a loan of 630,000!"

Jiang Chen resolutely said: "Okay! Just do it. This house will be paid to you. The loan is 630,000!"

He quickly got a loan of 630,000 yuan and went straight to another sales office.

This time, the sales office Jiang Chen bought a house worth 2.1 million with a 30% down payment, and the remaining money was just right to pay taxes.

After buying this 2.1 million house, Jiang Chen smiled and counted the chips in his hand.

After a wave of operations, the assets currently owned by Jiang Chen's identity have unknowingly become a local tyrant with a bank deposit of one million and a property of 3 million under his name!

So, within seven days, how can the 1 million be returned?

Next, is the point!

Good show again and again!

Jiang Chen first went to sell his 900,000 real estate at the original price to cash out!

Because it is a new house, it is easy to sell.

900,000, sold at the original price.

Jiang Chen went to a small loan company again and took out a mortgage loan for a house worth 2.1 million.

The loan amount is not too much, Jiang Chen only loaned 150,000.

Holding the 1.05 million in cash, Jiang Chen immediately returned it to the online loan company, and the extra 50,000 was used as interest.

After a wave of operations, Jiang Chen once again counted the assets in his hands.

He has a deposit certificate of 1 million in his name. A set of real estate worth 2.1 million yuan. He owes 900,000 yuan to the bank, plus 1.47 million yuan in housing loans. There is also a small loan of 150,000!

Equal to 2.53 million!

Net assets of 3.1 million, minus 2.53 million arrears, equal to 580,000!

Jiang Chen has been busy for a day, and actually made a net profit of 580,000!

Jiang Chen’s wealth is not obtained by hard work, but by...

thinking!

Jiang Chen has extraordinary business thinking. He dared to use leverage to leverage huge wealth and exploit loopholes in wealth to arbitrage and make a fortune!

Jiang Chen didn't stop, but took another 1 million loan from online banking, and started a new wave of operations over and over again.

After a wave of simple operations, Jiang Chen already has 5 houses with loans and mortgages!

These houses are all well-decorated and can be moved in directly.

Jiang Chen also rented out these houses.

One of them is next to Minsheng University.

Jiang Chen returned to the university, sleeping, resting, and playing games.

Jiang Chen walked across the campus and saw a girl berating a boy loudly.

"You are really useless! How could I be blind and find a man like you? Others' boyfriends bought them new phones, and I'm still using old phones!"

The boy was very honest, bowed his head and said nothing.

"You speak!" the girl shouted angrily.

The boy held back for a long time before saying, "This, because I don't have money to buy it, I can't afford it, so I'm sorry."

The girl became even more angry, vomiting all kinds of fragrance.

Jiang Chen can't listen anymore~~

What's all this talking about?

People can't afford a mobile phone, so they owe you 1 million?

Jiang Chen pulled the boy over, and murmured a few words aside.

The boy was dumbfounded.

"Does it really work?"

"Absolutely!"

Jiang Chen said solemnly.

The boy walked up to the girl and said lightly: "I'll buy you a new phone!"

The girl also knew the boy's financial conditions, and was surprised: "You buy me a cell phone? Really?"

The boy glanced at Jiang Chen, patted his chest and said, "Big man, you will do what you say! If you don't buy it for you, I will be your grandson!"

The girl was very greedy for money, and she smashed her mobile phone to the ground without saying anything!

Snapped!

The phone broke into one place.

"You can buy it for me!"

The girl's eyes flashed: "I want the latest Guoping 12! The 12888 one!"

Who knows~

The boy suddenly came out: "Grandma!"

Girl: "???"

After the boy said, he turned his head and left!

Doesn't stop at all.

The girl looked at the phone on the ground that was broken by her own hands, and she was shocked~~

He called me grandma?

That's not to say~~

He can't afford Guoping 12 at all?

I go! be cheated!

She yelled at the back: "You are still not a man! I %%...!"

Jiang Chen passed by her and said lightly: "He did what he said! Why isn't it a man?"

Girl: "....."

Jiang Chen said to the boy: "How about buddy? Isn't it venting?"

The boy gave Jiang Chen a thumbs up!

"Thank you so much! Brother!"

Jiang Chen shrugged: "I'm going to break up anyway. It's a profit to let this kind of woman throw her phone! Hey~~"

Girl: "..."

Jiang Chen: Really, the master of breaking up!