The Black Card - Chapter 1378

[Chapter 1376 Play hard to get]

Lawrence noticed Jackman’s embarrassment and quickly spoke to resolve the embarrassment.

“Mr. Shi may have misunderstood. Mr. Frith just wants to change his living environment. He is retired now and wants to move to the outer areas so that it can be cleaner.”

Shi Lei shrugged and said with a smile, “Really? Since not If I’m short of money, that’s easy. To be honest, the price of this apartment is a bit high, and I really can’t come up with enough cash. By the way, Tom, if you want to get a mortgage in the United States, how much do I need to come up with? What is the down payment required to buy this house?”

Tom is very honest. After all, he is an agent. For him, as long as the house is sold, he can get a commission, and the client’s payment method makes no difference to him.

“If you go by Mr. Frith’s current quotation, Mr. Shi, you need to come up with at least 30 million US dollars to use the property as a mortgage loan and then pay it in installments.”

Tom said clearly. If the selling price is different, the amount of the down payment will also be It’s different, because no matter what price the seller quotes, the house has its own valuation from the bank.

Before a bank lends, it must confirm that the property price exceeds the loan amount, so that when the home buyer breaks off the loan, they can auction the property to repay the bank’s loan.

Generally speaking, the bank’s appraisal price will be 10% lower than the market price. To buy a luxury home of this level in the United States, if the homeowner’s offer is completely consistent with the market price, the buyer often only needs to put down a 10% down payment. be able to successfully obtain a loan.

Tom said that Shi Lei needed to come up with 30 million for the down payment. In fact, he was telling Shi Lei tactfully that the price of this apartment was on the high side, at least 15% higher.

However, when Jackman heard this, he couldn’t sit still.

After all, he is short of money now. He is short of nearly 100 million US dollars. If he can mortgage the house to the bank to get a loan, there is no need for him to sell the house.

The reason why he has never thought about using the real estate in his name to get a mortgage loan from a bank is not because he is unwilling to bear the high loan interest, but because if he takes a mortgage loan, the bank will release the loan after at least one or two months. .

He couldn’t wait that long, and his creditor asked him to pay off all the debt within five days.

“Does Mr. Shi still need a loan?” Jackman couldn’t hold himself back and asked.

Shi Lei raised his head, glanced at him, and said in surprise: “You Americans don’t need a loan to buy a house? I thought you Americans were the ones who knew the leverage effect best. A house worth more than RMB 100 million can be purchased with the help of a bank.” Isn’t it the best choice to buy it with money?”

Jackman was speechless. Indeed, no matter how much money you have, a loan is always the best choice. No one will empty their pockets to buy such a property.

Lawrence hurriedly said: “Mr. Shi, perhaps the previous communication between us did not explain this. The biggest condition for Mr. Frith to sell this property is that it must be paid in full at once.” After hearing this,

Shi Lei nodded and took the He took a sip from the wine glass in front of him.

“Then thank you Mr. Frith for the good wine. It seems that we can’t reach an agreement.”

After that, he stood up and looked like he was about to leave.

Jackman suddenly became anxious. He looked at Shi Lei and said, “One hundred million, pay in full! The transaction can be completed now.”

Shi Lei sighed and said, “According to what Tom just said, the bank’s appraised price for your house is , which is probably just over 100 million. So, Mr. Frith, your price cannot impress me, and I haven’t talked to you about the selling price yet. The problem now is that you need to pay the full price, and I don’t Maybe we have to pay the full amount, which is a gap that cannot be crossed. For the sake of both parties, we should not waste each other’s time.”

Tom was actually very surprised. Could it be that Shi Lei guessed it right?

Is Jackman really so short of money?

And it’s still urgent.

Otherwise, the bank’s loan would only take a few months, and he wouldn’t even be able to wait for this time.

Under such circumstances, Tom also understood that it would be difficult to sell the house, so he stood up, bowed deeply to Jackman and Lawrence, expressed regret, and caught up with Shi Lei.

“Mr. Shi, how much down payment can you afford at most?” Jackman was also really anxious. Although he only had a little more than a day to spread the news that he wanted to sell this house, the only one who was interested was Shi Lei.

And he understood that under normal circumstances, if he wanted to sell such a luxury house, it would take less than half a year to complete the transaction. If Shi Lei really left, he would be blind.

It’s not like he hasn’t tried to negotiate with his creditor to use his house to pay off the debt.

However, his creditor’s asking price for this house is only 50 million US dollars, which is simply taking advantage of the situation. It is impossible for him to give this house to others for 50 million US dollars.

Shi Lei turned around, smiled slightly, and said: “For me, of course, less is better. If you can do something with ten million, there is really no need to spend more.”

Jackman stood up and caught up with Shi Lei. , he seemed very hesitant and entangled, but finally said: “Mr. Shi, in fact, you have already guessed it just now, and I will not hide it from you. I really need a lot of money now. I think Mr. Shi should be a person with enough strength.” . We can discuss the price, but how about asking Mr. Shi to pay the full amount?”

Shi Lei seemed to think for a while and said, “How about this, let’s talk alone?”

Jackman was stunned. He didn’t understand why Shi Lei wanted to be alone. Let’s talk, isn’t it just about buying a house?

But in order to close the deal as soon as possible and to seize Shi Lei’s only opportunity to help him pay off his debt, he still agreed.

“Shall we go to the study?”

Shi Lei nodded and followed Jackman to the study.

In the living room, Tom and Lawrence looked at each other and expressed confusion.

Entering the study, Jackman saw that Shi Lei wanted an environment without a third pair of ears, so he turned back and closed the door.

“This study room is specially soundproofed. No one will be able to hear our conversation.”

Shi Lei nodded, sat down, then looked around the study, and said: “As far as I know, Mr. Frith is the core figure of a consortium. You won’t feel nervous about even 100 million US dollars, right? With your net worth, With your status in the United States and only $100 million, how could Mr. Freese put himself in such a predicament?”

Jackman looked at Shi Lei and sighed deeply. He had absolutely no way to answer this question.

Shi Lei didn’t expect his answer either.

“You owe a debt and have a deadline to pay it back. Can’t you wait for the bank to lend?” Shi Lei asked again.

At this point, Jackman had nothing to hide. He nodded and said with a wry smile, “It’s just as Mr. Shi guessed.”

Shi Lei shrugged his shoulders and said, “Actually, I’m not entirely guessing, either. “That’s not what I guessed.”

“Huh? What does Mr. Shi mean…?” Jackman was very puzzled.

“Before this, I had a guess that a series of things had happened in Tayastan recently, and the biggest one involved was a European consortium. It just so happened that I had many past grievances with this consortium, so I also learned that there was a An American consortium is also deeply involved. Before I came, I heard that Mr. Frith was going to sell his house, so I guessed whether your consortium was the one involved in the Tayastan incident. Now it seems that it should not be wrong. .”

Jackman was suddenly startled. He stared at Shi Lei with his eyes wide open. He seemed to have endless things to say, but he couldn’t say a single word.

2

(End of this chapter)