Xu Yawen thought about it and frowned and said seriously, "Don't you plan to pay the full amount directly in one lump sum? My personal opinion is that you can consider a loan. With your current assets, there is no problem applying for a mortgage, and it is best to apply for as long as you can."

"Because prices are rising, the most direct way is inflation. Ten years ago, the 100,000 yuan was a huge fortune at that time, but what is it today?"

"I bought a house ten years ago and had a monthly mortgage of 3,000 yuan. It may be more than half of my monthly salary, but it is not a big deal now. Mortgage is actually the most cost-effective loan in the long run, because this interest rate is nothing compared to the rate of inflation."

"What's more, you have to consider the appreciation of the property. The real estate in Donghai can basically be confirmed to not depreciate. Even if there is a slight decline in a short period of time due to special circumstances, it will definitely continue to rise in the long run. In summary, I suggest you pay a down payment and then buy a loan."

"Especially, if you think about it, for example, if you buy this house in Shengshi Haoting now, the full payment will cost 10 million yuan. Then you will pay 3 million yuan in the down payment, and the remaining 7 million yuan will be loaned for 30 years, and you will pay about 20,000 yuan a month. Prices will continue to rise in the past 30 years, and your income will continue to rise, but the loan interest rate will be fixed when you buy the house."

"And you still have seven million in your hands. You can invest in these seven million. With your talent and ability, I believe that you will definitely double these seven million in thirty years."

"That's how I figured it out, I suggest you should buy it with a loan, and the sooner the better. After all, you have to settle down here sooner or later, and it's comfortable to move in early, and the housing prices here will still rise further."

Xu Yawen analyzed these professional things very well. Even if Lin Hai had no idea, she would not be moved by her saying this.

"It's a pity that you didn't do real estate. Have you been studying these all the time?"

Xu Yawen's expression suddenly became a little dim: "I have been learning to invest and finance, including real estate before, because I know that although I want to build real estate in Donghai City, the capital investment required is too large and Dacheng Group cannot afford it, but the potential in the surrounding areas is very great. So later in Dacheng Group, I was going to tilt the focus of the business in this direction... However, it has become a fantasy."

Lin Hai accidentally mentioned the past that should not be replaced. He was silent for a moment, then smiled and said, "Dreams still need to be realized. Besides, if the East is not bright, the West is bright, how do you know that you can't do it here?"

"Go ahead step by step and do the property company first. Maybe one day we will move towards the real estate direction." Lin Hai smiled and stretched, "But we still have to continue working hard. After all, I am so poor that I am so poor that I want to buy a house as you say, but I am afraid that the down payment will be a problem. After all, the subsidiary and the property company have not made any profit yet, and now they are all supported by Feiying Security. The construction costs on the construction site are paid in installments and will have to be paid again soon."

"So, thinking about it, I am really pitiful. I can't even afford a house."

Xu Yawen opened her mouth and finally shook her head when she wanted to say something: "It doesn't matter, I'm just going to give you an analysis. The right to decide whether to buy or not is still up to you. Besides, although buying a house is an investment and a necessity, you really have to consider the current economic conditions."

Xu Yawen is only responsible for property and subsidiaries now, so she only knows the operation of security companies, but she doesn't know the specific income and expenditure. She only knows that according to the current expenses of subsidiaries and property companies, as well as construction sites, it is indeed possible that Feiying Security has a lot of financial pressure, and Lin Hai may not have much money at hand.

"Besides, everything is only temporary. I believe that with your ability, it is only a matter of time before you buy a villa in Donghai." Xu Yawen said seriously, "It's not that you say good things to fool you, but based on the current operating conditions of several companies, it's true."

"Okay, even if you lend me a good word, I will definitely invite you to live in when I buy a villa." Lin Hai said with a smile.

Xu Yawen blushed and glared at him: "Are you planning to buy a villa to be an employee dormitory?"

Lin Hai thought about it and said seriously: "It is not realistic to buy it, but if we build the employee dormitory ourselves, it can be completely turned into a villa style. Moreover, in the future, the company can fully buy a house, a car, and a villa as an incentive for employees who have made outstanding contributions to the company."

Xu Yawen was startled: "Okay, I'll just say, don't take it seriously. You don't know the housing prices in Donghai City. You can't afford it yourself, so you think about sending employees first. This is not a big step."

"Let's do it step by step. Dreams always need to be there." Lin Hai said with a smile, "Just treat it as a goal."

Xu Yawen only regarded this as a chat between the two. When she was busy, she didn't care about anything, and she wouldn't take these words to heart.

But what she didn't know was that after Lin Hai went back, he called the finance department and checked the current company's accounts, cash flow and subsequent income, and then he had a clear idea in his mind.

Then he found Zheng Mingyu and said to Zheng Mingyu jokingly: "I have something to bother you again. I found that there are so many things to ask you to help me. Just come here directly to be my personal assistant."

Zheng Mingyu also joked: "Then can I get two salary? After all, the job has a good development prospect now, and I don't want to throw it away."

Lin Hai smiled and said, "There is no problem with paying a salary, but if you work together, you are afraid that you will be too tired to bear it."

"Okay, be serious, please help me with two things."

"First, find a way to find a reason to bring all Mr. Xu's ID card and other things. Second, you are a local, and you should have a lot of connections, so I want to invite you..."

After hearing Lin Hai's words, Zheng Mingyu was shocked. Seeing Lin Hai just about to ask, Lin Hai waved his hand directly: "I know what you are thinking, you don't need to ask anything, and you don't need to think so much. Just do this."

Zheng Mingyu looked at him and said in surprise: "Mr. Lin, do you know what I want to ask?"

"Of course, I'm not blind or deaf. You guys gossip behind my back every day. Do you really think I don't know?" Lin Hai smiled and said, "Don't worry, I haven't reached that point for the time being."

Zheng Mingyu widened his eyes: "No, Mr. Lin, Mr. Xu has been here for a while. Besides, everyone can see your little thoughts clearly. Your conditions are not bad. Of course, Mr. Xu must not worry about chasing him. There is no movement yet, so you have to work hard."

"You still need to say it?" Lin Hai said angrily and amusedly: "Okay, when you reach that point, either of you will have to give a big red envelope, otherwise you will be deducted one by one."

"Okay, hurry up and go and do business, the faster the better. This is an urgent matter. If you have any questions in the middle, please contact me at any time."
Chapter completed!