"Is this your first time in a place like this?" Chang Yuning noticed Chen Yiyang seemed a bit uneasy, so she spoke first.
"That's right." Chen Yiyang didn't pretend. He had never been to a hot spring with someone one-on-one before, this was his first time.
Besides, the figure across from him was really great; if he wasn't nervous, that would be strange.
Everyone has a first time.
"I didn't expect you to be so well-behaved." Chang Yuning licked her lips.
Chen Yiyang remained silent.
A woman of her caliber, she's good at flirting. But if you want to make a move, it's really not easy.
"Let's just be open with each other."
Seeing Chen Yiyang was as hard to crack as a turtle shell, Chang Yuning temporarily gave up.
When they first met, she acted like a damsel in distress who needed saving, but he was unmoved.
She thought Chen Yiyang was the passive type. So this time, she took the initiative by wearing a striking outfit.
But it still didn't work.
So she directly said, "I really hope I can buy the house I'm currently living in. My father and I have been living there for nine years. That house, to me, is synonymous with home."
"One million four hundred and fifty thousand, that's my bottom line." Chen Yiyang took out his phone and calculated as he spoke, "The house, including common area, is slightly over ninety square meters. You need to pay the 1.5% deed tax. That's on you.
Since the house is over five years old, we only need to pay the stamp tax separately."
"I don't have that much money," Chang Yuning pointed out the key issue.
"Is personal training earning so little these days?"
"If you'd come to me a week earlier, I'd have had the money. But now I really don't."
Chang Yuning didn't hide anymore. He realized that Chen Yiyang truly intended to keep pressing.
"There's a dumb client at the gym where I work who told me he had insider information and recommended a stock. I threw a million of my savings into it, and now I'm totally trapped."
Chang Yuning even cursed in front of Chen Yiyang, which showed just how angry she was.
She probably thought patrons of high-end fitness clubs, even if not all super rich, at least possessed exceptional abilities.
So she easily believed his words and invested a million in the stock market, now she's deeply stuck.
"Ah, the main board."
"Yeah."
"You've got real guts." Chen Yiyang understood why the information he got for a deal was outdated. No wonder this girl dared to dabble in the main board stocks.
The domestic stock market is purely a Brownian motion, with no rules whatsoever.
Even stock gods can't handle it, let alone a simple-minded fitness coach.
"How much can you get if you sell the stocks you have now?" Chen Yiyang asked.
"About six hundred thousand or so."
"Do you have any other cash in your account?"
"Around two hundred thousand, maybe." Chang Yuning poured herself a cocktail, lazily leaning against the edge of the hot spring and displaying her beautiful form.
"That's eighty thousand." Chen Yiyang estimated her earning capacity and continued,
"With your monthly income and cash flow, you should be able to secure a loan from a bank or online platform. Although I don't accept using loans for house purchases, you can raise the money by taking out consumer loans.
Borrowing forty thousand isn't too much, right? That way you'll have at least one hundred twenty thousand in cash. Where you work is a high-end place, and the value of your acquaintances and colleagues is probably not low, you can borrow another twenty-five thousand to gather enough for the house."
Hearing Chen Yiyang's suggestions, Chang Yuning's eyes widened.
Is this even a human being, telling her to apply for online loans?!
"What's wrong?" Chen Yiyang shook the water off his arms and said, "This is the only way for you to buy this house. And you don't have to worry about not having enough cash flow in case you get sick or are laid off.
Because once you sign the contract, you can transfer the house to your name. A house without a mortgage can be mortgaged to get at least fifty thousand from the bank, which is enough to cover most situations."
"Well, thank you very much, I would seriously consider your suggestion if I didn't have to repay my home loan every month." Chang Yuning rolled her eyes and submerged her entire body back into the water.
"Repay a home loan? Why do you have to repay a home loan?"
"I bought a new house with a loan last year, but it turned into an unfinished building. But I still have to pay the mortgage, over eight thousand a month. I currently earn about twelve thousand a month.
It's not that I have to buy this house, it's that once I move out, I'll have no money left for food after paying rent, you know?"
Chang Yuning stood up from the hot spring and headed straight to the bathroom.
A mortgage of over eight thousand indicates a down payment of thirty percent on a two-million house.
One hundred twenty thousand plus sixty thousand.
The savings of the father and daughter might only be that much.
With this repayment pressure, even if she could borrow the money, she wouldn't have the capacity to repay.
Do I really need to find another buyer?
Finding one would be both time-consuming and labor-intensive, and the full price of the house wouldn't reach the high price of one million four hundred and fifty thousand.
Chen Yiyang always feels like he's forgotten something.
After Chang Yuning finished her bath and lay in bed pretending to be dead, he also got out of the hot spring and took a shower.
Then he suddenly thought of something.
This might actually work.
"I've got a solution."
Chen Yiyang walked out of the bathroom door. Upon hearing this, Chang Yuning, lying in bed, immediately sat up and patted the bed indicating for Chen Yiyang to lie down.
"Girl, I think it's best for us to maintain a simple buyer and seller relationship until the transaction is completely finished."
"Don't overthink it. I've been learning to give massages after physical exercises. If you're willing to be my practice tool, just lie down."
"It shouldn't be a problem at that level." Only then did Chen Yiyang relax and lie down on the bed.
And then.
"Ah!!!"
After a scream like a pig being slaughtered, Chen Yiyang shouted, "Can you lighten up a bit!"
"It's always like this the first time, just bear with it." Chang Yuning reached out and grabbed Chen Yiyang's calf muscle again, starting to scrape inch by inch.
"You just said you had a solution, what is it?"
Seeing this, Chen Yiyang had no choice but to ignore his calf, which felt like it was being pricked with needles, and began to explain.
"You sell off the stocks that have trapped you, then add your savings, and give me a total of 800,000.
Then I will loan you 700,000 in my personal capacity, with the collateral for the loan being the property we're dealing with."
"You think beautifully." Chang Yuning scraped down to Chen Yiyang's thigh. "With my current economic strength, how can I repay your money? You don't plan to take back the house after I fail to repay the loan, do you?"
"You may not have repayment ability, but the house does." Chen Yiyang explained, "That house is two bedrooms and one living room; I see the other bedroom is unoccupied. You can find a roommate and rent it out for 1,500 a month. Then you can add another 1,500 each month and repay me 3,000 a month. I can offer you a very low loan interest rate, how about that?"
On the surface, if Chang Yuning agrees to this plan, Chen Yiyang himself would have to come up with 700,000, and with a monthly repayment of 3,000 yuan, it would take at least 19 years to recover the full loan.
But that's not how the calculation goes.
In fact, Chen Yiyang only needs to pay the real owner of the house, Li Changliang, 1 million. It means he only needs to come up with an additional 200,000.
What can he get by spending this 200,000?
One option is to gamble that Chang Yuning will lose her repayment ability, and he can negotiate with her to buy the house at a low price.
On the other hand, it provides a stable cash flow each month, equivalent to an insurance. Even if he goes bankrupt and owes money, the bank won't take this money away.
"How about this." Chang Yuning suddenly leaned forward and whispered in Chen Yiyang's ear, "We can share ownership of the house. I contribute 800,000, owning 55%, and you contribute 700,000, owning 45%. If I have money in the future, I can buy back that part of the property from you."
"No." Chen Yiyang flatly refused. "If you never have money, my money would never be recovered. Selling the house requires the consent of all property owners. Then you'd be living there for free, and I couldn't even kick you out, could I?"
"You!" Chang Yuning put her hands around Chen Yiyang's neck.
For a moment, Chen Yiyang felt like this girl intended to strangle him.
But luckily, the rule of law saved him.
Straddling Chen Yiyang, Chang Yuning furiously said, "Then waive the interest for me. I'll give you four private lessons and massages a week to offset the interest, how about that?"
Chen Yiyang mentally calculated the cost-effectiveness and found it quite worthwhile.
He's been planning to get fit recently.
After all, now that money is not in short supply, he can't slack off on physical exercise.
"Alright, it's settled. Tomorrow we'll sign the contract and start the transfer process."
"See you tomorrow then." This girl really didn't acknowledge people as soon as she pulled her pants on, changing directly from her swimsuit back to her yoga pants and left.
Chen Yiyang, on the other hand, slept soundly in the room until the next morning.
Today's intel: Rose-colored Collectibles: At booth 269 in the Antique Market of Ancient Forest District, West Capital City, there is a 19th-century Patek Philippe limited edition pocket watch case for sale. It can be picked up for under 10,000 yuan.
Today's intel actually took him to the neighboring city?
Chen Yiyang checked his phone for the latest high-speed train schedule.
There's one at 1 PM, takes three hours. Arrive locally at 4 PM, then reach the Antique Market at about 5 PM.
Checked in the evening, this Antique Market doesn't close until 10 PM, so there's enough time.
Chen Yiyang immediately dressed, checked out of the room, and drove home first to take Hans to the pet shop.
"I need to go on a business trip today, so I'll leave Hans here for boarding," Chen Yiyang handed over Hans to the pet shop staff, then glanced at the counter.
Noticed that Xu Qing wasn't working today.
"She's recently applied with the manager to only take half salary, and now comes to work every afternoon, saying she's busy with part-time work," a staff member who knew Chen Yiyang mentioned about Xu Qing's situation.
"Hmm." Chen Yiyang nodded, not saying much.
He and Xu Qing are still in an ambiguous stage, so he can't interfere with her career.
Moreover, even if they were together, Xu Qing's nature definitely wouldn't want them to interfere with each other's work.