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Speaking of 1 and 3, let me tell you a funny story. Everyone knows Huizhou, known as Guangdong Hegang, where you pay 200,000 yuan in cash upfront and then pay off the mortgage—essentially buying a house with a negative down payment. A couple of years ago, someone in our company was deceived into a partnership that went wrong, similar to 1, losing everything. The person who invited him into the partnership was quite loyal and said, I have no money left, so I can only compensate you with a sea-view house in Huizhou.