Chapter 96 Tax Packaging
What Zhang Qiyuan worried about finally happened.
After the panoramic VR of the house was uploaded, Zhang Qiyuan clearly felt that several waves of Shell agents brought clients to see the house. On Friday night, Xia Tong told him that many Shell agents called the owner and directly lowered the owner's reserve price to 320 million.
Zhang Qiyuan was a little upset. If Yu Hongyi's father asked him to invite the owner to negotiate the price, but failed to agree on a single penny, wouldn't his father be ashamed? He would have no face at all, so how could the deal be made?
Saturday, around 9:30 AM.
After receiving the message from Ni Qingqing, Zhang Qiyuan took his notebook and rangefinder to the roadside, and soon a car stopped next to him.
"Little brother, get in the car quickly, my client is about to arrive!" The door of the back seat was opened, and Ni Qingqing was wearing a black dress with a beige suit, which was both fashionable and elegant.
"You should just call me by my name. I'm not used to being called "little brother" all the time." Zhang Qiyuan said after getting in the car.
"It's so strange to call you by your name. Little brother sounds better." Ni Qingqing chuckled.
"whatever."
Zhang Qiyuan glanced at the other two people in the car. The driver was a young man who looked a year or two younger than him. He should be a colleague from Vanke Jincheng Store. The person sitting in the passenger seat was Gong Xue, the store manager of Vanke Jincheng Store, who sat in front of Ni Qingqing at the last monthly meeting.
"Do you need so many people to look at a house?" Zhang Qiyuan couldn't help but ask. Including him, there were four people in total.
"Little brother..." Gong Xue, who was wearing heavy makeup, spoke in a clipped voice.
"Hey, Manager Gong, you should just call me Xiao Zhang."
Zhang Qiyuan shuddered. It was fine for Ni Qingqing to call him "little brother", after all, she was a beauty, but Gong Xue was old, she looked about 30 years old, the foundation on her face seemed to be able to block bullets, and she pretended to be young and spoke in a clip voice, he really couldn't stand it.
Gong Xue was a little dissatisfied, but she changed her tone, "Xiao Zhang, our performance in the first half of the year was not good. It's not easy for Qingqing to have such a big customer, so of course we have to pay more attention to it."
"We have always dealt with new houses and don't know much about second-hand houses. Xiao Zhang, can you tell us about taxes and fees? I heard that there is a practice of high appraisal and low purchase. How does it work?" Gong Xue said in a tender voice.
"Well, high appraisal and low entry means that if a customer does not have enough down payment, we will ask for a higher appraisal price, so that they can get a larger loan. Low entry means when signing the contract online, we will sign the contract at a very low price, so that they can pay less tax." Zhang Qiyuan gave a simple explanation.
"Isn't the transaction price fixed? How can we sign the contract online at a very low price?" Gong Xue asked puzzledly.
Zhang Qiyuan was a little speechless and touched his brow with the rangefinder. He could see that Gong Xue didn't know anything about the second-hand housing process, and he didn't know how she became the store manager. It was estimated that all the second-hand houses that were sold before were sold in the later stage, and he didn't pay much attention to them.
Moreover, their comprehension ability is very poor. It is very tiring to explain things to such people.
"I have only been in this business for two months, so I am not clear about the specific situation," Zhang Qiyuan said perfunctorily.
He suddenly felt that Luo Gang's words were truly valuable advice, and that Gong Xue was really a bit annoying.
Soon, they arrived at the gate of Area A on the eastern slope of the new city. After waiting at the gate of the community for about ten minutes, Ni Qingqing's clients arrived. They were a couple in their thirties with two children, a boy and a girl.
"Brother Chen, Sister Zhou, this is the New Town East Foothills that I told you about before." Ni Qingqing introduced to the customers.
Chen Cao and Zhou Lan looked at the gate of the community and the surrounding environment, nodded and said, "The environment is not bad, and it's close to the subway."
"Yes, in the new district, this community and Longhu New City are more suitable for you." Ni Qingqing repeated Zhang Qiyuan's words exactly.
At this time, Zhang Qiyuan had already registered with the security guard and was standing next to the security guard, waiting for Ni Qingqing's clients to come.
After everyone entered the community, Zhang Qiyuan trotted to the front of the line.
"Hello, Mr. Chen. I am Ni Qingqing's colleague. You can call me Xiao Zhang. I am quite familiar with the community of Xincheng Donglu. I have also sold a 129-square-meter house there before." Zhang Qiyuan introduced himself.
"Oh? When did it happen? How much did the house cost?"
Hearing Zhang Qiyuan say this, Chen Cao immediately became interested.
"It happened a month ago. The transaction price was 281 million, and it came with a parking space." Zhang Qiyuan said with a smile.
"How much is a parking space here?"
“The owner bought it for about 11 yuan at the time.”
"How much is the property fee here?" Zhou Lan asked.
"Area A is , Area B is 3 pieces, and Area C is ." Zhang Qiyuan answered very professionally.
Chen Cao and Zhou Lan nodded slightly, very satisfied with the professionalism shown by Zhang Qiyuan.
"This house is on the sixth floor in Zone A, in the best location on the east side. This house type is the most popular one in the eastern foothills of New Town. It is open from north to south, with a clear distinction between movement and quietness. There is no obstruction in front of Building 601, making it the most cost-effective house in the eastern foothills of New Town." Zhang Qiyuan introduced to customers in House of Building .
"It seems that the house here is not yet two years old. How much tax will be paid when the time comes?" Chen Cao asked. "It's about 20 yuan. Of course, this can only be used as a reference. The specific details should be based on the Housing Authority." Zhang Qiyuan used the transaction price to calculate the tax. Shangjia Real Estate can make a lower purchase, but there is no need to tell the customer now.
"We have to pay so much tax?" Chen Cao was a little surprised.
"Now that the house is less than two years old, it is natural to pay so much tax. But it is the same. If the house is more than two years old, the owner will also add the extra tax to the house price." Zhang Qiyuan explained.
Chen Cao nodded, then looked at the house carefully.
The more he looked at it, the more he liked it. This apartment was indeed very good. It was square, with the dining room and kitchen on the left as you entered the door, and the living room on the right. There were balconies on both sides, and it was open from north to south. Walking along the corridor, there were two rooms on each side.
"How much is this house for?" asked Chen Cao.
"270 million!"
"How much can we talk about?"
"This requires a face-to-face interview with the owner. The owner will not tell us the real reserve price," said Zhang Qiyuan.
Chen Cao nodded to show his understanding.
Zhang Qiyuan took a few people to look at the tenth floor unit on the west side of Building 275, but after hearing the price of million, Chen Cao lost interest. If compared, the unit on the east side of Building was more cost-effective.
After going downstairs, Zhang Qiyuan brought Chen Cao and others to a house in Building 201. This was the house that Zhang Qiyuan had always wanted to see. It was also 129 square meters, but the price was only 230 million, which was 30 lower than the normal house.
After seeing the house, Zhang Qiyuan finally understood why it was sold so cheaply. This was because the house was blocked by Buildings 5 and 6 in front of it. Only when the sun reached the narrow gap between the two buildings could the house get some light. Even at noon, no sunlight came in.
"Although this house is very cheap, it has no lighting and is on the second floor. There will definitely be a lot of mosquitoes there. Let's not consider it." Chen Cao PASSED this house without even thinking about it.
Then Zhang Qiyuan took a few people to Longhu New City to look at two houses. However, compared with the East Foothills of the New City, Longhu New City was a little inferior in terms of location and house type.
"I think the sixth-floor apartment in Xincheng East Slope is pretty good, but it's still too expensive when you add in taxes and fees." Chen Cao looked at Zhang Qiyuan and said.
From the tour just now, it can be seen that it was Zhang Qiyuan who was explaining things to them the whole time. It is obvious that Zhang Qiyuan looks more professional than Ni Qingqing and the others.
"The price of the house can be negotiated. The owner is quite sincere in selling it, and it's the most cost-effective unit in the community. It has been shown quite a lot recently. If you think it's okay, I suggest you ask the owner to come over for a talk." Zhang Qiyuan said.
"Well, let's go back and think about it." Chen Cao groaned.
"Row!"
Zhang Qiyuan breathed a sigh of relief. If the client wanted to meet with the owner to negotiate the price, he really didn't know what to do in the afternoon. At one o'clock, he would have to accompany Yu Hongyi and his father to see the villa again.
After seeing off the customers, on the way back to the Blue Sky International Store.
"Little brother, you are so professional. I think my client is interested in the apartment on the sixth floor." Ni Qingqing looked at Zhang Qiyuan with admiration.
Being looked at like this, Zhang Qiyuan felt a little uncomfortable, and quickly changed the subject, "I have talked to the owner of the sixth floor, and the reserve price is 258 million, and it will not be reduced by a penny. Previously, a customer wanted to buy it for 265 million, but the male owner did not agree. Later, the price dropped a little, and the male and female owners started arguing. Now that the house prices are generally falling, the female owner is a little anxious again. She convinced the male owner that 258 million is fine, so the owner will not reduce the price anymore."
"If the customer still thinks it's too expensive, you can talk to him about the package taxes and fees," Zhang Qiyuan suggested.
"Packaging taxes? How do we do this? I don't quite understand. Little brother, can you tell me about it?" Ni Qingqing grabbed Zhang Qiyuan's arm and said coquettishly.
"cough……"
Zhang Qiyuan coughed dryly, glanced at Ni Qingqing and said, "It's like this. Let's calculate it normally. The transaction price of the house is 258 million. We each charge a 1% agency fee, which is 51600. If we pay taxes normally, it will be about 20. In other words, in addition to the house price, this customer will have to pay 20 in taxes and 25600 in agency fees, a total of 225600 fees, plus the loan appraisal guarantee fee, which is about 23."
"If we package it together and buy it at a lower price, the online signing price can be 17800, which is the original purchase price of the owner. In that case, the tax payment will be 179100. Let's calculate it based on 18, plus a 20% agency fee, which is about ."
"If your client wants to negotiate the agency fee, you should first calculate how much the normal tax will cost, and then tell the client that you will package it for 21 yuan. The tax fee must be transferred to us the day before the transfer, and we will pay the tax. In this way, if we make a low entry, we will actually make more money."
"If we can convince the owners to cooperate with us in saving personal income tax, then the personal income tax saved will be free money, and we will actually have more than 20,000 yuan more."
"When customers see that they can save 20,000 yuan by packing, they will be willing to do so. Of course, this depends on whether your customers understand this routine. If they do, they probably won't agree."
After Zhang Qiyuan finished speaking, he saw Ni Qingqing and Gong Xue staring at him blankly, obviously not understanding what he said.
"Forget it, I'll send you the process in text form later." Zhang Qiyuan said to Ni Qingqing speechlessly.
(End of this chapter)
