“Do you have any cooperation with Magic Hair Bank and Tomson一品? Can I buy a house in Tomson一品 and use your bank’s mortgage?” Wang Tie Niu asked, “Of course!” Xue, the bank president, replied decisively. “Then I want to buy a house in Tomson一品, but not under my name.” Xue slightly nodded, signaling him to continue.
“The total price of the house is about 207 million. I want to borrow 70% of the total, which is about 145 million, for 30 years. Of course, the buyer’s income, bank statements, and asset proof will not meet the requirements,” Wang Tie Niu explained, “This…,” Xue showed a troubled expression. “I can use my fixed deposit as collateral, but the buyer cannot know. You understand what I mean?” Wang Tie Niu continued.
“Hey, Mr. Wang, why didn’t you say so earlier? If that’s the case, it’s not a problem at all. When do you need it?” Xue slapped his thigh and readily agreed, afraid that Wang Tie Niu would change his mind.
“I’ll be at Tomson一品 soon. I will deposit the money here first. You can send someone to wait for me there and leave your phone number. When I need him, he will appear to handle the procedures. You understand what I mean?” Wang Tie Niu asked.
“No problem at all, Mr. Wang, please wait a moment,” Xue returned to his desk and quickly made a call. “Xiao Li, put your work aside and come to my office,” he said, then hung up without waiting for the other side’s reply.
Less than three minutes later, a gentle knock came from the door. “Come in,” Xue answered loudly. The door was gently pushed open, and a thin man in his early thirties wearing glasses quickly walked to Xue. “President Xue, you called for me?” he asked, while simultaneously using his peripheral vision to discreetly glance at Wang Tie Niu. “This is our senior client manager, Zhang Li. You can call him Xiao Zhang. I will give him instructions later, and he will ensure everything is handled perfectly,” Xue introduced him to Wang Tie Niu, then turned to instruct Zhang Li, “Take Mr. Wang to the private banking section and have Xiao Xie handle his deposit procedures. Treat him with the highest level of service and benefits. After you finish with him, come back to me. Got it?”
“Got it, got it, President Xue, don’t worry, I’ll take care of it. Mr. Wang, please come with me,” Senior Client Manager Zhang Li replied, while slightly bowing and extending his hand to invite Wang Tie Niu. He led Wang Tie Niu to a small hall decorated with luxurious elegance, where a beautiful woman named Xiao Xie received Wang Tie Niu’s information and went to help him open an account and deposit the money. After politely saying goodbye, Zhang Li quickly went back to Xue’s office.
The efficiency here was incomparable to the main hall. As Wang Tie Niu completed the card binding and transfer, he became the highest-level VIP at Magic Hair Bank. However, as a wealthy tycoon, he was not interested in the benefits at all. Casually putting the Magic Hair Private Bank American Express card in his pocket, Wang Tie Niu asked Xiao Xie to take him back to the main hall. “There are some good-looking girls here, I’d give them a score of 75,” he thought silently as he stood behind Xie in the elevator.
Upon reaching the main hall, Wang Tie Niu went to the VIP lounge and saw Qin Xian Yun leaning on a chair, asleep. Her waterfall-like curly hair was cascading down, and her captivating appearance even in her sleep exuded an astonishing charm. Concerned that she might get cold, the staff thoughtfully covered her with a thin blanket, hiding her captivating curves. “She’s so beautiful, I can’t live with myself if I don’t get her,” Wang Tie Niu stood silently beside her, admiring her for five minutes before gently pushing her.
“Hmm? Ugh…,” Qin Xian Yun opened her eyes in confusion, then saw Wang Tie Niu standing beside her. She blushed, which was rarely seen, and quickly stood up, casually combing her hair. The casual laziness she exuded almost caused Wang Tie Niu’s soul to leave his body.
“Let’s go. This is the last stop,” Wang Tie Niu said with a smile. Using her sixth sense, Qin Xian Yun faintly felt that something big was about to happen. She took a step back and asked cautiously, “Where are we going?” “Tomson一品,” Wang Tie Niu gave her a mysterious smile. “You live there? I’m not going,” Qin Xian Yun directly refused. The legendary landmark luxury residence, Tomson一品, was only a legend in her mind. Even in her dreams, she never thought she would live there. Misunderstanding that Wang Tie Niu lived there, Qin Xian Yun felt a bit sour, as if she had tasted a lemon.
“I don’t live there. Come on, let’s go uncover the mystery. In broad daylight, at Tomson一品, you’re not afraid that I’ll do something to you, are you?” Wang Tie Niu continued. Qin Xian Yun thought about it, straightened her clothes, carried her small bag, and followed Wang Tie Niu out the door with the expression of someone going to their execution.
Without saying much, Wang Tie Niu took Qin Xian Yun and parked the car in front of Tomson一品’s sales office. Seeing Wang Tie Niu taking her to the sales office, Qin Xian Yun was full of questions, but she suppressed her doubts and followed him inside.
“Good afternoon, ladies and gentlemen. Welcome to Tomson一品. Is there anything I can help you with?” the saleswoman asked politely. At this level of luxury housing sales, it was unlikely that the employees would be snobbish, even though Tomson一品 had been on sale for over a decade but had not yet sold out. However, it was common for people to just look without buying, so the sales office staff were already accustomed to it.
“Do you still have the 767-square-meter unit?” At this point, Wang Tie Niu didn’t hesitate at all. He went straight to the point as soon as he entered. “Uh… yes,” the saleswoman was taken aback by Wang Tie Niu’s unconventional approach. But, her strong professional skills allowed her to quickly recover and answer. “Is your commission based on individual performance or the entire team?” Wang Tie Niu suddenly asked a question seemingly unrelated to the topic. “Most of it is based on individual performance, but a small part is based on team performance, sir,” the saleswoman sensed a possibility that made her heart beat faster.
Wang Tie Niu didn’t answer. He walked around the sales office and looked at every salesperson. He didn’t find any goddess-level girls with an average score of 90, so he didn’t waste time. “Call your sales manager for me.”
The saleswoman saw that Wang Tie Niu’s eyes didn’t seem to be joking, so she immediately called in her headset. “Manager Ye, please come to the front desk.” A few seconds later, a middle-aged man in his forties wearing glasses and looking refined came over.
“Good afternoon, sir. My name is Ye Bohan, I’m in charge of sales. Is there anything I can help you with?” Ye Bohan extended his hand to Wang Tie Niu.
“Old Ye, let’s close a deal,” Wang Tie Niu casually shook his hand and directly stated his intention. “Ah? Sir, you mean…?” Ye Bohan couldn’t believe his ears.
“The 767-square-meter unit, a 30% down payment, and a 70% mortgage. Close the deal now. Be quick,” Wang Tie Niu explained everything in one sentence.
“Sir, please come inside… please come inside… I don’t know your surname yet?” “My surname is Wang,” Ye, the manager, excitedly rubbed his hands, his face beaming with joy as he led Wang Tie Niu to the meeting room. Qin Xian Yun, who was following behind, was also stunned. Wang Tie Niu had been in the sales office for less than three minutes and was going to buy a Tomson一品. He didn’t even look at the property. How wealthy did one have to be to act in such a way? It was beyond her comprehension.
“Did you bring your ID?” Wang Tie Niu suddenly asked Qin Xian Yun out of the blue before he even sat down in the meeting room. “Ah? Yes, I did,” Qin Xian Yun instinctively answered. “Give me your ID,” Wang Tie Niu extended his hand towards Qin Xian Yun.
Qin Xian Yun was still struggling to understand Wang Tie Niu’s train of thought. She looked around and saw that everyone in the room was looking at her. She lowered her head and rummaged through her small bag. When she held her ID in her hand, she was about to ask Wang Tie Niu what he was going to do with it, but he snatched it from her hand and handed it to Manager Ye, “Put her name on the purchase contract,” he said, then pulled Qin Xian Yun to a chair and forced her to sit down.
It was as if a nuclear bomb exploded in her mind. Qin Xian Yun, who never expected such a bizarre turn of events, was completely blank. Her beautiful red lips trembled slightly, and she stammered, “No… you… you… I… I… I can’t… this… isn’t… this…” Qin Xian Yun didn’t know what she wanted to say, what she was saying, or what she was thinking. She lost the ability to think.
The Tomson一品 sales team, however, immediately sprang into action, each person working efficiently, moving like a whirlwind. Manager Ye immediately picked up a piece of A4 paper and started calculating the price for Wang Tie Niu.
“Mr. Wang, the total price of this unit is 207,090,000 yuan. According to your plan, your down payment will be 62,130,000 yuan. What type of mortgage would you like to choose, equal principal and interest or equal monthly payments?” “Equal monthly payments.”
“Okay, with equal monthly payments, you will repay it over 30 years, which is 360 months. Your total repayment amount is 144,960,000 yuan, with total interest of 132,000,000 yuan. The total principal and interest is 276,960,000 yuan, with an average monthly payment of 769,341 yuan.” Manager Ye quickly calculated. “Confirm, Mr. Wang?”
Wang Tie Niu didn’t answer him immediately. Instead, he turned his head and looked at Qin Xian Yun with an amused expression. “Confirm? Xian Yun, my dear.”
Qin Xian Yun understood everything.