Chapter 2908 I am Xiao He in front of Chen Mo, but what about in front of you?

Saint-Loduo.

Horton Homes.

This is a long-established real estate developer founded in 1978 and is one of the four largest real estate developers in the country.

After the subprime mortgage crisis, the company survived thanks to Youliang's cash flow and strong official support, and became the largest real estate company in the country among a number of bankrupt real estate companies.

The Horton Real Estate Agency Group under his name is also the largest house sales agency in the country.

Things haven't been going well for Horton Homes lately.

Even if the official announcement is that the subprime mortgage crisis is over, everyone can buy a house with confidence.

But homes have depreciated by almost 70% in the past year, leading everyone to believe that house prices will definitely continue to fall and it is not a good time to buy a house.

In addition, the country has very high property taxes and house maintenance fees, which makes many people in the country, especially the younger generation, believe that it is better to rent a house than to buy one!

They would rather rent a house for their entire lives than buy one, and of course, they can't afford it.

Joseph's order came that same day.

All major real estate companies are allowed to lower prices independently, and banks are also allowed to lower the prices of foreclosed properties according to market prices.

As for loans, the major banks in the hegemonic country are no longer like before where even a dog can get a mortgage.

If you want to get a loan to buy a house in Baguo now, you need to have a stable job, be under 65 years old, have a credit score of at least 620 points, and have no overdue payments of "three consecutive and six cumulative" in the past two years, and fewer than four credit inquiries within three months.

光是这些还不够，月收入还得能覆盖月供的2倍，DTI≤43%（宽松通道可达50%需购房贷保险）。雇员需提供2年W2表+3个月工资单，自雇者需2年税表+6个月企业流水。

And now you can’t be the richest man at 0. The minimum down payment for the first house is 20%, and the second house has increased to 30%.

These conditions, viewed from a later perspective, were not considered harsh.

After all, if you fail to meet these conditions, there is a high probability that the house you buy will be repossessed by the bank because you cannot repay the mortgage.

The banks in Baguo are different from those in Daxia.

In Daxia, if you cannot repay your loan, the bank will take back your house and auction it off.

The auction is not over yet, you still have to pay the difference.

For example, your house has a mortgage of 100 million yuan, but the house is only sold for 60 yuan at auction.

At this time, after selling the house, you still owe the bank 40 yuan, which you have to repay slowly.

But this is different for a hegemonic country.

If the bank of a hegemonic country takes your house, the debtor will be in trouble. No matter how much the house is sold for in the end, it will not take your money again.

However, the Great Xia Bank will not take over the house for auction unless it is absolutely necessary, but the Baguo Bank is different. Even if you only owe a few months of property fees, the house must be taken over!

Chen Mo and He Chaoling disguised themselves and came to Horton Real Estate Agency.

As soon as they entered the door, someone warmly welcomed them.

"Sir, my name is Emily, how can I help you?

Our Horton Company is the largest real estate company in the entire country. Currently, all the houses in the most prosperous areas of the entire country are sold by our company."

The beautiful and enthusiastic sales lady came forward and said with a smile.

Even though the smile on her face was very charming, Chen Mo could still catch a hint of subtle disgust in her eyes.

It was because of the Daxia people that her monthly salary went from nearly 3 Baguo yuan to less than 3000 yuan now.

Even so, she fought hard, sleeping with her boss and sleeping with her clients to keep the job.

"Oh, what's the approximate price range for houses in the most prosperous areas of Saint-Lou, Cité des Garçons, and Ciudad Slow?"

Before Chen Mo could finish his words, a middle-aged man from the Ba State, dressed in a suit and tie, walked in with his head held high.

"Mr. Alison!"

Saleswoman Emily's eyes lit up, and she immediately left Chen Mo and the other man behind, warmly and generously approaching him, holding the middle-aged man's arm. "Would you like to see a house? What kind of house do you need? I'll take you to see it right away!"

"Emily, you're in luck!

Recently I plan to buy some properties in Saint-Lo, Slow City and Cité des Garçons, and they all need to be high-quality and high-priced properties.

You will earn a lot of commissions!"

Larry Alison put his hand on the sales lady's waist without any hesitation and moved it back and forth.

Emily's eyes lit up, and she immediately smiled like a pug, "Oh, thank you so much for your help, President Alison!!!"

You don’t know, I haven’t placed an order for a long time.

The KPI pressure from my superiors is so great that it's almost crushing me."

"Then how do you want to thank me?" Larry asked with a wicked smile.

"Of course I tried my best. Thank you very much." Emily smiled charmingly and kissed Lali on the face.

Chen Mo frowned.

When foreign sales ladies engage in unspoken practices, don’t they do it behind other people’s backs and just put it out in the open?

This naked money transaction seemed to be a matter of course.

If it were in Daxia, one would at least be reserved, shy, and pretend, right?

But Chen Mo didn't care too much. Foreigners could do whatever they wanted. It was none of his business. He came here to buy a house.

"Ms. Emily, since you want to receive this gentleman, please find another sales lady to receive me." Chen Mo said lightly.

Only then did Lali notice Chen Mo.

But when he saw He Chaoling, who was dressed stylishly and fashionably following Chen Mo, Lali couldn't help but be stunned.

He Chaoling’s appearance is on the same level as Diana and Gong Ziyuan.

And because He Chaoling has been with Chen Mo for many years and is used to all kinds of big scenes, she naturally developed the temperament of a person in a high position.

Plus, she is mixed-race and has a good figure. When she stands there, she looks like an unruly little wild cat!

Lali was instantly attracted to He Chaoling.

"Hello, young lady. I am Larry Ellison, the Chief Technology Officer and founder of Oracle."

Lali walked forward confidently and extended his hand to He Chaoling.

This economic crisis did not affect Oracle. On the contrary, because Oracle is engaged in Internet technology and has nothing to do with real estate, it recently reached a deep cooperation with Merxun Group, and the company's market value has almost doubled.

Now, in the entire Turtle Valley, even the bosses of Pingguo Company and Juruan Company have to greet him politely when they see him.

The reason is simple, because behind the Moxun Group is the boss who can make the whole world tremble with just a stomp of his feet!!!

Lali had a good vision. He felt that real estate prices should have bottomed out, so he decided to invest in some properties.

He Chaoling glanced at him, turned her head away and ignored him.

What a joke!

Now, even the leader of the Ou Alliance has to respectfully call her "Secretary He" or "Miss He" when he sees her!

You are just a technical supplier of Moxun Group, and you want to get close to her?

In front of Chen Mo, she can serve tea and water, be an emotional trash can, and be extremely humble.

But in front of others, she, He Chaoling, is an unattainable existence!

If emperors from various countries want to meet her, they have to make an appointment in advance!