Female doctor copper coin

Chapter 296 Mr. Pan’s Brainstorming

Tongqian changed his shoes and came to the place where the children were playing. He watched the three children open their cars and start playing with them seriously.

Seeing that the girl was taller than the two boys, it seemed that girls developed earlier than boys. She smiled and thought as she looked at the three children.

"The children are growing up very fast. We need a villa to accommodate them." Mr. Pan also said standing next to her.

Tongqian turned his head and looked at Mr. Pan who was smiling, "Yes! They should have a broader world."

"Let's go to my study and talk. I really need your brainstorming." Mr. Pan said as he walked towards the study.

She and her elder brother followed him into the study.

"Your elder brother told me some of your investment advice, and I felt it was very good. This is exactly what I have been worried about recently." Mr. Pan directly expressed his thoughts.

"After you set the price, you can decide how much discount is offered for full payment and what percentage of the down payment is required for the loan. Then you can talk to the bank and ask it to lower the interest rate on the loan. This way, home buyers can make the deal directly with the bank." Tongqian said his thoughts.

"How much is the discount for paying in full? Thirty percent down payment?" Mr. Pan was thinking about these things seriously.

"You don't need too much discount for paying in full. Anyway, you will get a lot of money in the end after the loan. It's just a question of whether it's paid by buying a house or by the bank." Tongqian continued to talk about his thoughts.

"Then let's give a 3% discount for full payment and a 30% down payment, right? How do we negotiate the interest rate for the loan?" Mr. Pan continued to rack his brains.

"A down payment of thirty is fine. The interest rate for housing loans is definitely lower than other commercial loan rates. Not many people are taking out loans now, so I think it should be easy to negotiate with the bank." When Tongqian said this, he remembered that there was an interest-free loan in 1987. Maybe their negotiations with the bank will have a good result.

"Then I will talk to the bank manager as soon as possible to see if this idea can be implemented. If it can be implemented, our future development will be limitless." Mr. Pan began to get excited about the future development prospects.

"You said that we still have to finalize our design plan first. Only with the design plan can we have a preview and pre-sale. We will start construction right after the Spring Festival." The eldest brother reminded Mr. Pan again.

"Should we promote our bidding through advertisements in newspapers, on television, or directly at a press conference?" Mr. Pan also thought of this.

"I think we should use interviews with the city's television station to promote the project and bid for the design plan at a high price, so that the people in the city will have expectations for our villa complex." Tongqian gave another suggestion.

"Then we will bid for the design proposal at 2 million." Mr. Pan raised the price again.

"I think one million will be enough. In fact, I already have a design plan. It's my brother's award-winning design plan. I'm afraid that some people will think it's too much money or that it's not good, so I suggest you put it out to bid." The eldest brother also spoke frankly.

"Really? By the way, your brother studied architecture, so this award-winning work of Huaqing must be good." Mr. Pan said in surprise.

“I suggest that we still hold a bidding interview to build up the reputation of our villa,” the eldest brother emphasized again.

"Yes, we need to put it up for bidding. The company does not belong to us two." Mr. Pan nodded again.

"Yes, there must be rules for everything. You use rules to educate your children." Tongqian also agreed casually.

"That's great. Regardless of whether there are any bidders or not, we have a design plan. It's a winning design, and it's the first prize, right?" Mr. Pan already felt like he was going to use his second brother's design plan.

"First prize." The eldest brother replied.

"This villa must be built. We will move in and live in it ourselves. You can also take one when the time comes." Mr. Pan suggested immediately.

"The eldest brother will definitely want one, because the second brother designed the villa with a swimming pool for him." Tongqian immediately answered for the eldest brother.

"Is it your dream to live in a villa with a swimming pool?" Mr. Pan asked in surprise again.

"Yes, when I dropped out of school five years ago, I was thinking about the life I wanted to live and the house I wanted to live in. My brothers and sisters all know it." The eldest brother said shyly.

"What you think five years ago determines your life five years later. You and your sister are no ordinary people. If you go to school, you will definitely go to a prestigious university," Mr. Pan praised again.

"I don't have the brains of my younger sister. She is already a doctoral student this year." The eldest brother said proudly.

"A sixteen-year-old doctoral student?" Mr. Pan asked in surprise.

"I am the dumbest among three siblings." Tongqian said modestly. It was like this in her previous life. She really didn't always stay at the top of the class like her elder and second brothers.

She took advantage of the opportunity of rebirth. Although she did not have golden fingers, systems, space and other special powers, she cherished the time after rebirth. She worked harder, took advantage of the time difference, and seized the opportunity to make the most of her rebirth.

She wants to live a wonderful life and have a complete family.

She wants her family to live a wonderful life!