Only after being reborn did I realize how fascinating the world of the rich is.

A few days later, after receiving a notification from Jiang Xueying, Li Xiaofeng drove Jiang Xueying to the Jiang family home.

As usual, Li Xiaofeng brought some tonics such as bird's nest and deer antler. General Manager Jiang once again treated him very politely, made him tea, and invited him to sit down.

"Yingying has already told me about your situation. She said you want to buy a few houses and want more discounts! No problem, the properties I have here are currently offering a 2% discount. For Yingying's sake, I'll give you a 4% discount!"

Li Xiaofeng smiled and said politely, "Uncle Jiang, do you know how much real estate I'm planning to buy from you this time?"

Mr. Jiang picked up his cup of tea and asked casually, "How much are you planning to buy?"

"I plan to buy 100 million yuan worth of real estate!"

Upon hearing Li Xiaofeng's words, Jiang Xueying opened her mouth in surprise, looked at him and then at her father, somewhat at a loss for words.

Mr. Jiang nearly choked on his tea, coughing as he asked, "How much?"

"One hundred million!" Li Xiaofeng's words were earnest and firm.

"Young man, you need to be more down-to-earth and stop bragging all the time. Forget about a hundred million, can you even come up with ten million?"

"I can't produce it!" Li Xiaofeng shook his head.

"Young man, what brings you here today? Are you here to have some fun at the Jiang family's house?" Mr. Jiang said angrily, slamming his teacup down on the coffee table.

Jiang Xueying quickly sat down next to her father and said in a coquettish tone, "Dad, Xiaofeng is my friend. Please tell me what's going on!"

Mr. Jiang slapped his thigh angrily: "Look at what your friend said! How am I supposed to respond?!"

Li Xiaofeng smiled and said, "Uncle Jiang, is our housing development different from others? Do we have to pay in full to buy a house? If so, then please excuse me for bothering you!"

Mr. Jiang said irritably, "Of course you can take out a loan, but the down payment must be at least 20%. Even if you buy a property worth 100 million, you'll still need a down payment of 20 million. You yourself said that you can't even come up with 10 million!"

"Since your development is the same as others, I've heard that other developments offer zero down payment options, which is a national policy. Does that mean your Jiang family's development can't offer zero down payment?"

In this era, in order to promote the development of the real estate market, banks have indeed introduced policies of zero down payment for home purchases, and various real estate developers have followed suit.

However, this policy only lasted for a few years, and was later suspended when housing prices began to rise.

At this moment, General Manager Jiang finally looked at Li Xiaofeng seriously, smiled, and said in a light tone: "Xiaofeng, right? You may have misunderstood this policy. You think you can get a house for free without spending any money, right?"

There is currently a large-scale demolition and relocation program being implemented in China. I can tell you that the actual zero down payment requires you to mortgage your old house. It doesn't mean you can actually get a house for free!

Of course, we real estate developers have also launched our own zero-down-payment plan.

That means we, as developers, will advance the down payment that the homeowners should pay, then raise the selling price of the house, and then get the money back to us through a bank loan.

In other words, the down payment was actually paid by the homeowner himself, but it was all covered by a bank loan, and everyone pooled their resources to make ends meet.

Li Xiaofeng smiled and nodded, saying, "Uncle Jiang, I know what you're talking about. Since I'm here to discuss discounts, I've naturally done my homework beforehand!"

"So you're still willing to buy it? And so much of it?"

"Of course!"

"Xiaofeng, let me remind you, even if you get the house, it doesn't mean that the property is yours. You still have to pay the monthly mortgage. If you default on the mortgage, the bank will take back the house and auction it off."

You should know that bank auction prices are usually lower than market prices. In that case, you might not only lose everything, but also end up with a huge debt to the bank!

"Of course I know about these risks, but this is my own business and has nothing to do with you, Uncle Jiang, right?"

Once I buy the property from you, it's a matter between me and the bank, right?

"And now that you've received my payment from the bank, it not only solves the sales problem for the property but also alleviates your company's cash flow issues, right?"

Li Xiaofeng said "right" three times in a row, leaving President Jiang speechless. However, President Jiang smiled faintly, looking indifferent.

"Since you've already said so, then fine, no problem. I'll have someone arrange the zero down payment thing in a bit!"

"Uncle Jiang, don't worry, we haven't agreed on the price yet!"

"Didn't we just agree? I'll give you a 4% discount!"

"Hehe, Uncle Jiang, you're quite the businessman. I've already looked at your property development. The official discount is 2%, but in reality, the actual discount is 4%.

"Didn't you just say you'd give me a bigger discount because of Xueying? What, is Xueying's face worth absolutely nothing?"

Mr. Jiang was slightly embarrassed, but quickly put on an innocent look.

"Oh, really? To be honest, I'm not specifically in charge of sales. How about I have our marketing department talk to you later?"

Li Xiaofeng smiled and shook his head: "President Jiang, if I were to talk to your marketing department, I wouldn't have needed to come all this way today. This matter still needs your personal approval."

As far as I know, some companies buy houses in bulk through your channels, getting discounts of 4% or even 2%. I'm not greedy, so could you round it up to 10%?

Actually, Li Xiaofeng was trying to trick President Jiang with these words. He had indeed looked into the current real estate market in Shanghai and knew that there were indeed claims of large discounts for group-purchased houses.

However, he had never actually contacted any of the group-buying units in Jiang's real estate development; this was merely a tactic he used to negotiate prices with General Manager Jiang.

Mr. Jiang shook his head vigorously: "That's impossible. If we sell the house at a 10% discount, we'll lose money. Besides, I've never even heard of any discounts like 4% or 2%!"

"Mr. Jiang, I'm going to buy 100 million yuan worth of your real estate in one go. As far as I know, your company's cash flow is very tight right now, and there is a possibility of it breaking down at any time!"

Don't forget, I'm currently working on the first phase of your company's Jinlan Bay project. Your people themselves have said they're facing a shortage of funds, and payments to various work teams are delayed.

"Hehe, Xiaofeng, you may only know one side of the story. Real estate companies are always short of funds. That's just a saying. There's always a way to solve it."

The profit margin in real estate isn't actually as high as you outsiders imagine. We're in business, we can't afford to lose money, right? So, I'll give you a discount of up to two percent, a 4% discount, how about that?"