Rebirth of the Almighty Internet Celebrity

Chapter 361
This is the total cost of buying land, building a house and decorating it.

If the cost of buying the land is not counted, the "big son-in-law" and his wife only spent more than 30 yuan to build such a house and complete the decoration.

His home is a three-story small Western-style building.Even if the single-story area is not as large as that of the "young son-in-law's frame builder"'s house, the total area is definitely much larger.

Even so, the "eldest son-in-law" has completed all the preparations for the new home, which only cost more than 30 yuan.

The new home of the "little son-in-law who works as a shelf worker" is not as large as his home, and the decoration is almost the same. How could it be possible to spend more than 40 yuan on "decoration" alone? The "big son-in-law" family spent only 17 to 8 on decoration.

From this we can see how much water is contained in the words of "little son-in-law who works like a shelf".

There are not a few people who brag and brag like him.But other people may not play it too many times, and relatives and friends will listen to it after listening to it, without being too impressed.And the "little son-in-law who works like a shelfman" brags that it is "rolling" and brags repeatedly.Blowing relatives and friends are "familiar".

As for the new houses of the two "son-in-laws" of the Zhou family, they actually had "entertainment wine" in them within less than two years of each other.

Among the relatives and friends invited by the two companies, a considerable number of "relatives and friends" belong to the same people who "overlap".When these relatives and friends come to visit the "new house", when chatting, they don't talk about other topics.And people are generally curious about the "cost" of building a new house.

As soon as you ask, ask suspicious points.

The "eldest son-in-law" revealed that the decoration cost was only about 17.This is still in a big city, and the prices of all aspects of decoration materials are definitely much higher than the prices of building materials in small mountain villages.

Besides, the decoration area of ​​"Zhou's big son-in-law" is dozens of square meters larger than that of "Little son-in-law's shelf worker".In this case, the decoration expenditure given by the "big son-in-law of the Zhou family" is less than half of that of the "little son-in-law who works as a shelf worker"...

it is more than words.

Relatives and friends, which one has a "negative" IQ? !Of course, it is easy to guess that there is too much water in the bragging words of the "little son-in-law who works as a shelf worker".

It's one thing to know that what he said is not entirely true.But it's another thing to directly catch "evidence" proving that this guy's "moisture content" is super high.

Relatives and friends all expressed deep contempt for the "little son-in-law who is a frame worker".

Besides blowing, what else does this guy know? !
As for the "little son-in-law who works as a builder", after seeing the new house of the "big son-in-law of the Zhou family", he immediately acted like a defeated rooster, not daring to be proud of his new home "large in size and comfortable to live in".

Originally, compared with the "Zhou family's eldest son-in-law" family, his family only had the single advantage of "large area".

Now that the "big son-in-law of the Zhou family" has also made up for this "shortcoming", it has formed an all-round "suppression" of the "little son-in-law who works hard".

In front of him, the "little son-in-law who works as a shelf worker" is really "worthless".

The "eldest son-in-law of the Zhou family" never boasts about the houses, cars, etc. he owns, but if he doesn't talk about it, everyone will see it.People like the "little son-in-law who works as a shelf worker" who are most keen on "boasting" will feel a sense of "repressive force" in front of the "big son-in-law of the Zhou family".

He has a "sense of oppression" that cannot be exaggerated even if he wants to talk about it.

It was a very mysterious feeling.It can only be understood but cannot be expressed in words.

In fact, the "eldest son-in-law of the Zhou family" does not owe any "foreign debts".

Purchased two "fixed assets" in a second-tier big city. The old "commercial house" was bought early and had so much money that my deceased father used most of his savings to "mortgage" it. Therefore, in the "weekly period" When the son-in-law of the family acquires the second fixed asset, the first "property" actually has already fully paid off the "mortgage" owed.

The remaining second property does not have a "certificate" (the procedure is only a "transfer agreement" signed with the villagers. I wonder if it will be protected by the law if a lawsuit is really filed?) .To build such a house, it is naturally impossible to get a mortgage from major "financial institutions".

But don’t forget, without a “land certificate” or “real estate title certificate” you can’t get a loan to build a house.But the savings of the "eldest son-in-law of the Zhou family" and his wife are only about 30 yuan.In other words, it’s just barely enough to buy the “land”.

With more than 30 yuan for building new houses and decorating, there is still a "gap" in funds.

Borrow from relatives and friends, and you can borrow more than 20 to 10,000 (mainly the relatives of the "big son-in-law"'s parents, who are all doing well. If you borrow some from one place, you can get the amount of 20+).But the "eldest son-in-law of the Zhou family" and his wife combined their calculations, and the final data obtained was that the "fund gap" was around [-].

According to the couple's income, their combined monthly salary income is "over 5 yuan."After deducting household expenses, use about half of it, and you can save about 6 per month.You can save about 20 yuan a year.I borrowed more than 3 yuan from relatives and friends, and it took more than three years to pay it off.

If anyone is willing to lend another 20 to his family, it will be repaid in more than 3 years, and it can be paid off.

In other words, if the total loan amount is 10,000+, the "Zhou family's son-in-law" and his wife will have to repay it in about 7 years, no matter what.

The problem is that they calculated over and over again and borrowed from all major relatives, but they estimated that they could only borrow more than a dozen or 20 yuan.There is still a "gap" of 20, who can I borrow it from? !It is estimated that relatives and friends will not be able to borrow this money again.

As mentioned before, couples like the "eldest son-in-law of the Zhou family" all have "high-paying" jobs in second-tier cities.The workplace is good, the income is not low, and there are also a lot of "five insurances and one housing fund".Therefore, it was not that the couple never thought of using their own provident fund account and borrowing "provident fund" to build a house.Even more, isn’t it said that “provident fund” loans can also be used for “renovation”?The couple also thought about borrowing it for decoration.

Unfortunately, there is a "stumbling block".The new house they built didn't have a "land certificate", and of course they couldn't get a "property certificate" or "real estate certificate".Without these documents, it is also difficult to apply for a loan from the "Provident Fund Center".

The two couples felt that "there is no way out", so they had to continue to think of other tricks.See how to solve the "short of funds" problem? !

The "eldest daughter of the Zhou family" was also keen on "online shopping" before, so her "sesame score" is quite high.The quotas for both "Bai" are very high.

In total, there are almost 9 yuan.Here, "Borrow.Bai" has a limit of 5, which can be withdrawn directly.

As for the 4 quota of "Hua.bei", although it cannot be withdrawn, what are you afraid of?If you really want to use it, you can directly use "Hua.bei" to buy various decoration materials.There is no need to "cash out".Just "consume" it.

But the couple considered that the interest rates on these two bets were really quite high.

If you are a new user, the interest on "Borrow.Bai" will be 1 yuan per day for every 6 yuan you borrow.This is equivalent to the interest generated every year, which is around 2200 yuan.

That is equivalent to an annual interest rate of 20.00%.Very high.

But it did not reach the "statutory" usury. Loan limit.

As for "Hua.Bai", if you pay it back on time on a monthly basis, it is said that there will be no interest.But if the amount of "pre-consumption" is large and the installment period is long, the "interest" that needs to be paid is actually similar to "borrowing".

The husband and wife of "Zhou's son-in-law" are old users of a certain treasure (otherwise it is impossible to have such a high amount), if they use two "bei", the interest calculation is about 1 per day for every 4 borrowed. Block, the annual interest generated is about 1500 yuan.

That would equate to an "annual interest rate" of 15.00%.

The problem is, this couple needs to borrow 20 yuan.The wife's two "Bai" quotas add up to a total quota of 9.

The amount of the two "beis" of "the eldest son-in-law of the Zhou family" is only higher than that of his wife.

Therefore, if they grit their teeth and scrape together 20 yuan from the two "bais", they can definitely do it.

The problem now is that the interest rate is a bit more than I can bear.

To put it bluntly, if you cash out 20 yuan from two "Bai"s, the interest alone will cost you 3 yuan in one year.

The original plan was to pay off the debt in 7 years, so after these 7 years, wouldn't the interest alone have to pay "a certain treasure" 21?More than the 20 principal "cashed out" from it!

Even if the repayment plan is 7 years, priority will be given to repaying the two "Bai"s with higher interest rates.At least 4 years must be paid.That's more than 10 interest.Before the interest is settled, it is impossible to clear the two "Bai" debts in just "four years".

All in all, borrowing two "Bai" money, the "eldest son-in-law of the Zhou family" and his wife felt that it was the last resort.

Very uneconomical!

These two guys actually have another trick.That is to choose savings, slowly save enough money to build a house, and then build a new house.Then continue to save money, save enough money for decoration, and then do decoration.

Or there is another trick, that is, after saving enough money to build the main body of the new house, build the main body of the 3rd floor first.Then, borrow enough 10,000+ renovation funds from relatives and friends to complete the renovation of the new house.check in.

As for the former, you need to save money for about 7 years before you can move into a new home.The advantage is that you don't have to owe "favors" to relatives and friends.You don’t have to bear high interest rates either.But there is a disadvantage, that is, the "waiting time" is a bit long.For those who are thinking about living in a new house, it is a bit tormenting.

What about the latter?Wait for 4 years to save enough money to build the main body of the new house, and then build the main body directly.Then it is to borrow money from relatives and friends to decorate.This allows for a new home within 4 years.The waiting time is directly "halved".

The problem is that in doing so, you owe a lot of "favors." "Favor" sometimes seems inconspicuous, but sometimes it is the most difficult thing to "repay".Of course, if you meet a shameless guy, then the above words will go unmentioned (for example, someone like the "little son-in-law who works as a frame worker" will borrow money for what he borrowed, and never care much about the benefits of the borrower).

In short, the above two strategies are safe moves.

No interest has to be incurred.Just be patient and wait a few years.

Anyway, the "land" worth hundreds of thousands has been paid in full.Without this kind of debt, the "young son-in-law of the Zhou family" and his wife would have a good plan for the future.

Those who know how to analyze the pros and cons will probably not consider choosing two "baits" to "cash out".

Even if you choose a "commercial loan" provided by major banks, the annual interest rate will only be around [-]%.The interest rate is two-thirds cheaper than the interest rate of two new "Bai" users.Compared with the interest rate of the two old users of "Bai", it is more than half cheaper.

The problem is, there is no official "property certificate".

In this way, don't even think about having a "collateral" approved by the "bank".Without a mortgage, how can you get a "mortgage loan" from major banks? !
If it is a major real estate developer, it is also possible to apply for a "mortgage loan" by submitting various procedures, house purchase contracts, tax-paid deeds, etc. to the bank.However, if there is no valid "real estate certificate" for personal "self-built houses", it is absolutely impossible to get a loan.

Even the "commercial mortgages" of major banks are so difficult to "get".If it is replaced by a "provident fund loan" that is more difficult to "apply for approval", it will basically be even more useless.

But the "eldest son-in-law of the Zhou family" and his wife are still very smart.After the two of them brainstormed and discussed over and over for N sleepless nights, the "eldest son-in-law of the Zhou family" finally had an "inspiration" flash in his mind, and he came up with a practical strategy.

The two of them "coveted cheapness" and purchased this piece of land, although there were no formal procedures.But the old "second-hand commercial housing" chosen for him by the deceased "eldest son-in-law" had completed the procedures.

The "property certificate" of the house was mortgaged in the bank for more than 20 years.Didn't you pay off all the debts owed to the bank in the past few years?
As a result, the "real estate certificate" of the old second-hand house, "the eldest son-in-law of the Zhou family" also applied to the bank for "release".

After getting back the old real estate certificate, because his father had passed away, the "eldest son-in-law of the Zhou family" also went to many departments last year to finally get the "real estate certificate" for the new old house.

The "coup" that the "son-in-law of the Zhou family" came up with was: the newly purchased "land" cannot be used as a "mortgage" loan, but the old house has been transferred to his name, and a brand new "real estate certificate" has been issued .And this new certificate has never been "mortgaged" for a loan.I can use that "new certificate" to get a loan.

What about the name?The reason is to "renovate" the old house.

After all, the old house has not been "finely decorated" until now.On the grounds of "renovating" it, apply for a loan from the "Provident Fund Management Center".After getting the "renovation fund", who cares whether you use the money to renovate the old house or the newly built house?

The reason why I have been thinking about getting a loan from the "provident fund" is of course that it has the lowest loan interest.

The most economical and affordable.

It can be said that for those who have stable high-paying jobs and have purchased "five insurances and one housing fund", no "commercial loan" is as cost-effective as a "provident fund loan".

(End of this chapter)