Chinese Diaosi Investment Bankers（Season one）——change to a bigger house

This series comes from life, but the plot and figures are higher than life, and it has been processed on the basis of life, so there is no need to take a seat.
Zhou Zhengbu (Zhengbu) is the assistant to the general manager of the investment banking department of a local bank in the western municipality. The novel tells about Zhou Zhengbu's experiences and encounters during his work in the investment banking department of the bank, and reflects the epitome of that era.A window to understand the Chinese economy.

The first season took place in 2015, China's real estate is in the ascendant...

Dialogue and Plot:
"Brother Zhou, when will the down payment be in place? The 77th building with the best location has already opened. The real estate area is 150 square meters. It used to be more than 1 million, but now the total price is only 910,000." Fan called Zhou Zhengbu and said.
Zhou Zhengbu is the assistant to the general manager of the investment banking department of the local banks in the western municipality, and the general manager is also the leader of the bank.
Using the lines of the movie Charlotte's troubles, Zhou Zhengbu has been more troubled recently. I am three or six years old, my career has just started, I have just been promoted to management, and I want to change to a big house. But the house is a transitional house when I just graduated from graduate school. It is a second set, which is too small. I am planning to change to a bungalow. After looking at it for a long time, I saw a bungalow in the new area. The bungalow faces north, and the north and south are transparent. There are villas on the north and west sides. The plot ratio is low and the greening is good, although it is far away from the unit. , but Zhou Zhengbu has his own ideas. First, after the development of the new area, more and more units will move to the new area. Second, if you are an investment banker, who doesn’t want birds to fly high, maybe one day they will go to Beijing, Shanghai, Guangzhou, Shenzhen, Europe, America, and Southeast Asia. So this house is 20 kilometers away from the unit, it doesn't really matter.
Zhou Zhengbu was worried about the down payment. It stands to reason that after Zhou Zhengbu moved from the state to a local bank, his income increased greatly. Last year, it was 900 thousand yuan before tax, but all the funds were filled in the house and car, and the house in the municipality was paid off, and the provident fund loan was repaid in the neighboring city of Rongcheng. For the suite, for a 7-seat off-road. Desire is a bottomless pit.
"The down payment is temporarily unavailable." Zhou Zhengbu told Xiao Fan truthfully. "Your opening time is not very good. Banks usually issue bonuses during the Spring Festival. You have April to May from the opening of the market in October until the Spring Festival next year."
The economic situation in 2015 is not good, especially hope to sell the house. Knowing that Zhou Zhengbu has a house in his name, he proposes a mortgage loan. After Zhou Zhengbu found out later, the analysis was not cost-effective. "You said that the plan is not good, the cost is too high, and the down payment will cost at least 50,000 yuan. Harbin Bank can repay in advance after one year, 3,000 yuan per month; Postal Savings Bank can take a consumer loan, only three years, 9,000 per month, you can repay after three months, and you can give yourself a deputy division rating."
Zhou Zhengbu had already understood the market situation. In fact, he had decided that the house would not be able to sell so quickly in a short time. He figured that he should wait until the Spring Festival to see the market situation. 2 billion, but I am still worried that it will not be as good as last year.
So, Zhou Zhengbu was arguing about selling the house in Rongcheng, so that he could squeeze out a down payment, and he could also change the amount of the provident fund. In this way, Zhou Zhengbu only needs to make a down payment of 330,000 yuan, the interest rate is 3.75, and the monthly interest rate is 3,000 yuan. At this time, the interest rate is low, the leverage after the replacement is high, the financial cost does not increase much, and the house is bigger, Zhou Zhengbu has his own calculations.
#bankerlife #chinaeconomy #realestate #edmonton

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