Rebirth of the Almighty Internet Celebrity

Chapter 278 The great cause of building a house, everyone shows their talents!
Director Wang's two parents-in-law have a stable salary income, and after building a "world building", they are only in debt of 4 yuan.

In addition, we have to find a way to borrow about 13 yuan for renovations.

This is stressful for the two parents-in-law, but not particularly great.

Just think of it as “buying a house with a mortgage.”

The price of commercial housing at that time was about 1800 yuan per square meter (not bad! Even in the "Imperial Capital", it was still this price).To buy a commercial house of about 100 square meters in the suburbs of the "Imperial Capital", you must prepare about 20 yuan plus various taxes and fees.

Now Director Wang has borrowed 4 yuan, and plans to borrow another 13 yuan, for a total debt of 17 yuan, which is similar to the "mortgage" to buy a commercial house.

But buying a house with a mortgage is just buying a house.Renovations are not included.Director Wang bears this debt, but even the "renovation fee" is included.

In addition, the area is not the same.

The total area of ​​Director Wang's home is 600 square meters, which is equivalent to the total area of ​​6 commercial houses.

He spent the money to buy two houses to build a sky-and-ground building, including the decoration. The money can directly buy 6 to 7 commercial houses.It can be seen that "commercial housing" is so profitable.Others are "stupid" to buy commercial housing.We are not stupid.I won’t join in the fun anymore... Director Wang is a little smug, he thinks so.

However, Director Wang intentionally or unintentionally overlooked a very important point: all "commercial houses" have real estate certificates.If you can get a certificate, there will be huge room for appreciation in the future (especially in places like the "Emperor Capital").

Another one, the unit type designed by "commercial housing" is definitely better than your long strip of land.If Director Wang can get a "square and square" plot, his family will build their own house, and compared with commercial housing, there will be basically no advantages or disadvantages in "house type".It's a pity that Director Wang couldn't get Fangzheng's land.

If the "reconstruction land" obtained by Director Wang is certified, the room for appreciation in the next ten to twenty years will definitely be far greater than that of the surrounding commercial housing.It's a pity that there is no certificate, so the appreciation space of his "Heaven and Earth Building" is greatly restricted.

According to the price at that time, 20 can buy a commercial house.

Director Wang's total cost of purchasing land, laying foundations, building a house, and decorating the house can be used to purchase approximately two sets of commercial housing in the "Imperial Capital".

Before Liang Teng's rebirth, these two suites, according to the average price of real estate in the "Emperor Capital", had reached more than 6 to 7 per square meter (this is only the average price, and the price per square meter in prime locations ranges from 10 to 20). Then, if Director Wang bought two houses with certificates in the early years and realized them 2 years later, he could get 20 million.

If you need to ensure that you have a place to live, you can live in one and sell the other, and you can get 700 million in cash.

And what about Director Wang's Tiandi Building without any formal "land certificate" and "property certificate"?Even if it is sold in the next 20 years, the entire building can be sold for a price of around 700 million at most.

Of course, this is also a huge profit.

But the money earned was not enough to buy two sets of commercial houses at the same price back then.

It is estimated that only "reborn people" like Liang Teng can predict such a result.

There is a big difference between having a certificate and not having a certificate. The energy of "realization" is so different.

But Director Wang and his wife are both from peasant families, and they have a strong sense of small farmers, so they never thought about "land speculation".There is a natural difference between this and a child who grew up in the city like Luo Guochu and has a strong business mind.

In Director Wang's eyes, the first thing he covets is the word "big".A big house is a comfortable place to live.Otherwise, why buy land by yourself and spend a lot of money to build a "world building"?He went directly to buy a commercial house to live in.

According to this way of thinking, if Director Wang and his parents-in-law chose to buy commercial housing to improve living conditions, they probably would not buy commercial housing with real estate certificates.Too expensive!
Most likely, the two of them will only choose the "small property rights house" without a certificate, the house commonly known as "three no products"—a house that cost only 8 to [-] yuan back then.

More than half the price.

In that era, few people who bought or built their own houses would consider the appreciation of "real estate" in a few decades.Most of them simply want to improve their living conditions.

Like Director Wang's family, they spent all they had to build a "world building" and were heavily in debt. Of course, they got it as cheap as possible.Do you still want him to "consider" some "future appreciation space" factors?He can't care about those.

In addition, you can apply for a bank loan to purchase commercial housing.As for self-built houses, under normal circumstances, if you have a "land certificate", you can of course take the land certificate to the bank as a mortgage and get a loan.Then, use the money to build a house or decorate it.

The prerequisite is to have a "certificate".If you want to get a loan from a bank without a certificate, you must have a "relationship".

Director Wang also needs a loan of 13 yuan for renovation.I have borrowed 4 from relatives and friends before.Subsequently, the two parents-in-law calculated that they could borrow tens of thousands more from the "private person".

But no matter what, the borrowing is not enough for 13.

Director Wang has his own plan: borrow whatever you can from relatives and friends.After all, there is no need to calculate "interest" when borrowing money from relatives and friends.

For the shortfall, there is nothing you can do about borrowing it from the bank and paying some interest.

At that time, it was not as strict as in later generations. Banks had to have a "real estate certificate" or "land certificate" as collateral before they would lend you money.As long as you have fixed assets and stable income, you can consider borrowing money.

Of course, under normal circumstances, there are very few banks willing to take risks.Most still require you to have "collateral".But Director Wang is quite well-connected, and his main target is loans from financial institutions located in their towns.

Through connections, it is not difficult for Director Wang to get a loan.

And he still has various options, he can choose a financial loan that is most beneficial to him.

For example, Director Wang's priority is of course "provident fund loans".The loan "interest rate" of commercial banks is as high as [-]%.What about provident fund loans?Just four percent.

As a result, the interest paid by using a "provident fund loan" is only a little more than half of that of a commercial bank loan.

Director Wang's family will need to borrow this renovation loan for at least 10 years, and the interest payments will be considerable.If the interest can be saved by almost half, it will be very attractive to his family.

Director Wang therefore actively visited the Provident Fund Management Center.

This department often has business dealings with Director Wang's township, and he is quite familiar with the person in charge of the "center".

Although Director Wang's "Tiandi Building" did not have a certificate, the other party was finally willing to grant a loan of 9 yuan to his family.

These tens of thousands of dollars are just a small amount of money to the Provident Fund Management Center.The center frequently handles hundreds of thousands and millions of dollars.It is estimated that according to the situation of Director Wang's family, the money will not be owed.

The person in charge of the "Provident Fund Management Center" is very clear that the two parents-in-law of Director Wang's family are public officials. Could it be that in order not to repay the tens of thousands of yuan in loans, they don't even want to be public officials?In addition, Director Wang's family also has a "first-line shop", which also has a fixed rental income... How do you think, Director Wang's family has a loan of 9 yuan, and it is impossible to repay it! ! !
Director Wang used the interest-bearing loan of 9 yuan and the interest-free loan of 4 yuan borrowed from relatives and friends to renovate the "Tiandi Building" of his home.

Very well put on.Although every penny of the budget is used.

It can be seen that as a public official, having connections can play a role at critical moments.

At the very least, there are more ways to "save money" for Director Wang to use.

For example, this "provident fund loan" is not because "public officials" have no connections and no suitable collateral, so the hell they are willing to lend to you.

In addition, Director Wang built a five-and-a-half-story "Tiandi Building" without going through the "construction approval procedures." If it were an ordinary house builder, the "city management department" would definitely intervene.

It’s not like demolishing your house, but every time you build a house, you have to “respect” thousands of dollars to the city management, so that the other party will stop interfering with your house building.

For this five-and-a-half-story building, the other party can have at least 6 yuan in "income generation."

But Director Wang has connections in the town's "development zone", so of course he can avoid these additional expenses.

Director Wang never thought about giving this money.It’s not like he didn’t want to apply for a “permit for construction” on purpose, but wanted to save on the cost of applying for the permit.But he doesn't have a "land certificate", and he can't get a "construction permit" even if he wants to.That's not his fault.This is what he calls "a lot of ambition but not enough strength"!
The four brothers of the Wang family built the house together at the same time and paid for the labor together. Because the building area is quite large, if they built the house together, the labor costs could be discounted.Preferential price.In this way, not only did Director Wang's family save 4 yuan in "tribute" to the city manager, but his three younger brothers also benefited, and each family was exempted from paying the 6 yuan.

Use the joke of the person in charge of the city management brigade, "Old Wang, your family has reduced my unit's income by 2 to 3 yuan. It has starved the brothers of our unit. When will we please A good meal, compensation compensation?!"

Afterwards, Director Wang actually treated them to a meal with Hu Zhihai.

Of course, Director Wang asked the hotel to issue an invoice, so take it back to the town for reimbursement.

The 4 brothers build a house together and build a floor together, which means that the four families must ensure that the funds for the house construction of each family must be in place, and no one can hold back.Otherwise, the construction of the main body of the building has to be stopped.

When it comes to the subsequent decoration part, each house hires its own decoration workers, so it is not necessary to follow the same progress.

Those who have money can install it quickly, while those who are under great financial pressure can put it aside first and delay decoration.

Director Wang's family belongs to a family of "double public officials", and it is quite difficult to cope with the expenses of purchasing the land and building the main body. His three younger brothers were under great pressure to build such a large "world building" in those days. light.

The second son of the Wang family is in the clothing business. It is relatively easy to spend 15 yuan to fix the main body of the five-and-a-half-story "Tiandilou".Not only was it easier than the third and fourth children, it was also much easier than Director Wang and his wife.

The second eldest son of the Wang family has considerable profits from his business. The couple's savings alone are more than 20.

Originally holding the deposit of more than 20 yuan, they planned to buy a commercial house in the third-tier city where they did business.Of course, there is another big plan, which is to return to the hometown of the "Emperor Capital" and buy a commercial house.

No matter where you buy a commercial house, the Wang family's second family can buy it directly in full.

But Director Wang had a way to get cheap land. He bought 2 square meters for only 100 yuan, and the second son of the Wang family who was doing business was moved.I immediately followed my elder brother and bought land, then laid the foundation and built a five-and-a-half-story main building.

It only cost 15 yuan before and after.The old Wang's savings have not been spent yet.

It can be said that the savings in hand and the rent of the "first-line shop" belonging to him in the "old house" are almost enough to pay for the decoration.

However, the second child of the Wang family also needs to save some living money for turnover in the clothing wholesale business.

He plans to slow down the progress of the renovation.Anyway, we have to wait and see when the time comes before setting up the "entertainment banquet".It's no problem to slowly decorate based on the "entering" days chosen by the fortune teller.

As for the third son of the Wang family, he is working outside.According to him, the daily wages are 300 to 10 yuan. In 3 days, there were almost 500 yuan. Compared with Director Wang who only received [-] yuan a month, it is reasonable to say that the income is far better.

But the problem is that the third son of the Wang family followed a certain decoration foreman to pick up jobs in various places.In the few days when there is work, the wages are calculated on the basis of the day, and it seems that there are more than 200 yuan a day.

But after a month, he didn't work for 10 days.

Sometimes, there are those who only work one or two days a month.

Based on a year's calculation, the average monthly work is about six to seven days.

On average, you can earn about 1500 yuan per month.It seems that it is still more than Director Wang's fixed salary of 500 yuan (although it is not as exaggerated as having to work every day to receive such an exaggerated salary).

But it’s much harder work.After a month, even if work is not started, I still have to travel all over the country, following the foreman, looking for work.Jobs don't just fall from the sky.

During the days of working, day and night were also reversed, sleeping during the day and working at night.

It is said that such a life is most likely to consume one's life.

In addition, those who do this kind of manual work do not have the "five insurances and one housing fund" like Director Wang.When you get old, there will be no retirement income.

However, those are things that have to worry about the "future". Now the third eldest son of the Wang family has to spend about 15 yuan of savings to build the main building of the "Tiandi Tower". He can still spend it, and he doesn't even have to be like Wang. The director is in debt of 4 yuan.

As for the fourth child of the Wang family, both his parents-in-law are farming at home.

How much money can you save by growing vegetables and crops?I feel that the most difficult thing to build is his house.

In addition, the fourth child of the Wang family raised a full five children.With so many children, it is not a small expense to eat and drink.

The fourth son and his wife of the Wang family are very hardworking people.Get up early and stay late at night, planting vegetables and crops to sell.

In addition, they are also super frugal people.The fourth son and his wife are more frugal than Director Wang and his wife.

It can be said that Director Wang and his wife have three meals a day, two of which are vegetarian, and they can still eat some meat dishes, which are slightly oily.As for Wang Laosi's family, including two adults and five children, they don't see a piece of meat for three meals a day.

After about a month, there will be a meal with "meat dishes".At other times, don't talk about it.

With such frugality and hard work, the fourth child of the Wang family took out half of the main body of Jiantiandilou from the "mouths" of a family of seven.

Of course, the remaining half of the money can only be borrowed from relatives and friends.

(End of this chapter)