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

After two busy days, the transaction was finally completed, and Li Xiaofeng drove Jiang Xueying back to school.

He was very satisfied with what he had gained from his trip to the Jiang family.

Li Xiaofeng purchased a property worth 100 million yuan from the Jiang family's real estate development. Because it was a zero down payment, it was equivalent to taking out a 100 million yuan loan from the bank. The loan term was 30 years, and the annual principal repayment was 333 million yuan.

At that time, the bank's mortgage interest rate was 6.03%, while the rental return on office buildings was relatively high, with an annual return of about 8%.

If we don't consider the vacancy period when renting, it can cover the bank loan interest, and there will be a surplus of 200 million yuan per year to subsidize the principal.

Of course, this is the best case scenario.

The current reality is that office buildings are not easy to rent out, there are bound to be vacancy periods, and in order to attract tenants, a discount will definitely be given to them in the first year.

Therefore, in the first year, the office rent will most likely not be enough to cover the mortgage interest, and the company will even have to pay extra.

However, Li Xiaofeng has less than 5 million yuan on hand. Apart from the 333 million yuan used to pay off the principal, the remaining 1 million yuan should be enough to get through a year.

Will housing prices rise?

definitely will!

Moreover, the properties he bought were priced 10% below the current market value, and with rising property prices, his net worth is bound to continue to increase.

As long as housing prices rise, even if he invests all 500 million yuan of his money, he can find a way to continue to survive, either by taking out a bank loan or by selling part of it.

Speculating on real estate is actually quite lucrative. If the property value appreciates by 10%, he can earn 10 million yuan without lifting a finger. In fact, since the property he bought was already 10% lower than the market price, it means he has already earned 10 million yuan.

After returning to school, Jiang Xueying insisted that Li Xiaofeng thank her, so Li Xiaofeng took some time to find a tea restaurant and treat Jiang Xueying to a meal.

"I helped you so much, can't you just treat me to a meal?" Jiang Xueying pouted deliberately, expressing her dissatisfaction.

Li Xiaofeng asked with a smile, "So how do you plan for me to thank you?"

Jiang Xueying glanced at him, seemingly a little shy, scooped up a spoonful of cold drink and carefully put it in her mouth, then lowered her head and remained silent.

"What's wrong? We're already so close, is there anything we can't say to each other?"

Jiang Xueying seemed a little disappointed. She tilted her head and said listlessly, "Seeing all my roommates in the dormitory paired up, while I'm still a single dog, makes me a little unhappy."

"Hehe, if you, the school beauty Jiang, want to find a boyfriend, it's a piece of cake. Just snap your fingers and a whole company of men will line up behind you in five minutes!"

"But I don't like those people. They all have shifty eyes and look at me like they want to devour me. It makes me uncomfortable, and some of them even disgust me!"

Li Xiaofeng didn't play dumb. He smiled and asked directly, "You don't mean you want me to be your boyfriend, do you?"

Jiang Xueying was a little shy and said hesitantly, "Mainly because among the people I know, you're the only one I find somewhat pleasing to the eye. I'm already a sophomore now, and if I don't have a relationship soon, wouldn't it be a waste of my college years?"

"Xueying, you have a good family background, you're beautiful, you're good in every way, but it's not easy to actually have a relationship with you!"

"Why!"

"First of all, you have an ex-boyfriend, Cao Jinpeng, who is the eldest in our dormitory. Although he is messing around outside now, he still sees you as his prize!"

If I were to be with you, conflicts with him would be inevitable!

Li Xiaofeng said this to get Jiang Xueying to state her position on his relationship with Cao Jinpeng. If she was ambiguous, then there was no point in talking about it!

Jiang Xueying immediately denied it: "He's no ex-boyfriend. We've only known each other for a long time, and we've never officially confirmed our relationship."

Besides, if he wants to find women outside, let him find as many as he wants. Why should he interfere in my life? Don't worry, I won't let him do anything to you!

Li Xiaofeng felt that Jiang Xueying's statement was worth considering.

So he smiled, sighed, and continued, "It's actually easy to talk to Boss Cao. If I really become your boyfriend, I won't be afraid of him, and I won't hide behind you and ask you to protect me."

But what about your family? You know, your father clearly stated in front of both of us that he only recognizes Cao Jinpeng as his son-in-law!

"You don't need to date my dad, you want to date me, so why should I care about him!"

She was clearly trying to avoid the topic.

However, this is normal and understandable. How many people would abandon their family for a relationship?

Li Xiaofeng was somewhat prepared for her to say that, but he still had to ask.

At least, it can be seen from Jiang Xueying's statement that she will not break with her family, but will still try her best to protect her boyfriend.

"Actually, for me, everything else is fine, but the key is you. Are you really planning to date me? You know, you used to like Cao Jinpeng. If you're with me, don't go back to your ex!"

Before this, Li Xiaofeng knew that she had liked Cao Jinpeng. The two grew up together, were childhood sweethearts, and had a deep relationship. It wasn't like they could just break up and have nothing left.

To be honest, even if you don't have romantic love, you still have family ties!

“I don’t like him anymore. You said it yourself, he’s someone I’ve already gone back to, why would I go back to him? Besides, he’s already gone to find other women.”

I, Jiang Xueying, am not unwanted. Do you expect me to wait for him? I'm not that cheap!

Li Xiaofeng was quite satisfied with her statement; at least she hadn't lied or concealed her true feelings.

Feelings are never static; they will only grow stronger over time as they are nurtured.

It wasn't that Li Xiaofeng wanted to take on a difficult challenge; it was simply that Jiang Xueying's conditions were too good.

She's beautiful, comes from a good family, and has the same educational background as Li Xiaofeng. A girl like that is definitely not someone you can get just by having a little money.

Seize the opportunity, or you'll have no regrets in life. Besides, the girl herself has already spoken up. If you don't even dare to want a woman, are you even a man?

Does he deserve the second chance God gave him?

Li Xiaofeng knew that getting along with Jiang Xueying would definitely be fraught with difficulties.

But if he wants to make a lot of money and achieve upward social mobility, he will inevitably have to overcome many obstacles, and Jiang Xueying is a rehearsal for him before he steps into society.

When a person is at the bottom and has nothing, there is actually not much external conflict.

But when a person becomes rich and begins to climb the social ladder, he will inevitably suffer from open and covert attacks from all sides, and he must personally fight his way out.

Behind every glamorous and powerful figure lies a story that remains untold.