Chapter 817 Ghost Thinking!

Jiang Chen took the 1 million, and the first step was to go to the bank.

Go and open a 1 million CD.

This is easy, just do it right away.

Of course, banks are very welcome to save money.

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

The time period for the certificate of deposit is 1 year.

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

Miss Banking is full of curiosity about Jiang Chen, after all, there are not many people who can have one million at such a young age.

"How much do you want to borrow?"

The bank lady asked curiously.

Jiang Chen thought for a while: "What is the maximum percentage of your bank's certificate of deposit pledge loan?"

The bank lady checked it and smiled sweetly: "Generally speaking, our bank allows 80% of the loan with CDs! However, for customers like you with more than one million, the CD loan can reach 100%. Ninety of them!"

Jiang Chen smiled in his heart.

The bank's CD loan is risk-free.

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

This is really risk-free for the bank.

Jiang Chen quickly settled the 900,000 yuan he got from the deposit certificate pledge loan, and with the 900,000 yuan, Jiang Chen went straight to a sales office.

Although in the imperial capital, 900,000 couldn't buy any house, but Jiang Chen drove out of the city and entered a sales office in the Beijing Huanjing area around the imperial capital, where he could easily find a commercial house. In the Beijing area, it is not so expensive.

900,000, you can easily buy a house of 60 square meters in full.

With the help of the enthusiastic young lady from the sales office, it only took more than an hour for Jiang Chen to get the pre-sale contract for this 60-square-meter house, proving that he already owns the house.

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

During the whole process, he did not use any personal connections of his own, nor did he use the Sunshine Bank under his 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, got a number, and looked for another young lady.

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

Miss Sister smiled and read Jiang Chen's million-dollar bank deposit slip, black gold card, and real estate contract, smiled and said, "Hello, dear VIP, with your high-quality credit conditions, since your real estate is full payment Payment, no mortgage, you can use the house as a mortgage to get 70% of the house from our bank, which is a loan of 630,000!"

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

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

This time, Jiang Chen bought a house worth 2.1 million, with a down payment of 30%, and the rest of the money was just right for tax.

Having bought 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 become a local tyrant with one million deposits in the bank and three million real estate under his name!

So, within seven days, how do you get the 1 million back?

Next, is the point!

Lots of fun!

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

Since it's a new house, it's 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 doesn't need to be too much, Jiang Chen only loaned 150,000.

With the 1.05 million cash that he collected, Jiang Chen immediately went to pay it back to the online loan company, and the extra 50,000 yuan was used as interest.

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

There is a certificate of deposit of 1 million in his name. A property valued at $2.1 million. As for the arrears, he owes the bank 900,000 yuan, plus a housing loan of 1.47 million yuan. There is also a small loan of 150,000!

Equal to 2.53 million!

The net worth is 3.1 million, minus the arrears of 2.53 million, which equals 580,000!

After a busy day, Jiang Chen actually made a net profit of 580,000!

Jiang Chen's wealth did not come from hard work, but from...

thinking!

Jiang Chen has extraordinary business thinking, he dares to use leverage to leverage huge wealth, and use the loopholes in wealth to make a fortune!

Jiang Chen didn't stop, but took out 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 had 5 houses with loans and mortgages!

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

Jiang Chen also rented out these houses.

One of them is right next to Minsheng University.

Jiang Chen returned to the university, slept, rested, and played games.

Jiang Chen walks through the campus

, I saw a girl yelling at a boy.

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

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

"You're talking!" the girl shouted angrily.

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

The girl was even more angry, and all kinds of mouth were fragrant.

Jiang Chen can't listen anymore~~

What is all this saying?

If people can't afford a mobile phone, they owe you 1 million?

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

The boy was stunned.

"Really?"

"Absolutely!"

Jiang Chen said in a deep voice.

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

The girl also knew the financial condition of the boy and said in surprise, "You bought me a mobile phone? Really?"

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

The girl is very greedy for money, without saying a word, she directly smashed her mobile phone on the ground!

Snapped!

The phone shattered into pieces.

"Buy it for me!"

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

Who knows~

The boy suddenly said, "Grandma!"

girl:"???"

After the boy finished speaking, he turned his head and left!

It doesn't stop at all.

The girl was shocked when she looked at the mobile phone that was broken by herself on the ground~~

Does he call 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're still not a man! I%%...!"

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

girl:"....."

Jiang Chen said to the boy, "Dude, how is it? Are you relieved?"

The boy gave Jiang Chen a thumbs up!

"Really relieved! Thank you! Brother!"

Jiang Chen shrugged: "Anyway, we have to break up. It's a profit to let this kind of woman drop her cell phone! Hehe~~"

girl:"...."

Jiang Chen: The true master of breaking up!