Rebirth of the Almighty Internet Celebrity

Chapter 362 Loans
An important reason why the "provident fund loan" is "the most cost-effective" is that its interest rate is extremely low-it is the lowest "interest rate" among all "mortgage loans".

Although it is not half cheaper than the "business loan" of the major banks, it is so exaggerated.But its "interest rate" is at least about one-third cheaper.

Taking the "mortgage" repayment period of two to 30 years as an example, the "interest" expenditure alone is almost worth the selling price of the house itself.

In other words, if you buy a house with a price of 100 million and "mortgage" it for 30 years, the "interest" paid by the owner is at least 100 million. In 30 years, the "owner" not only pays off the 100 million yuan for buying the house month by month.At the same time, I have to pay off the interest of 100 million from the bank.The principal plus interest has to be repaid 200 million.

The interest of this 100 million is of course calculated according to the interest of the "mortgage mortgage" of major banks.If the interest of the "provident fund loan" can be reduced by one-third, then the interest payment can be reduced by more than 30.

Therefore, a detailed calculation shows that the interest rate of this "provident fund loan" has an absolute advantage among all loan channels.

It is completely true to say that it has some "welfare properties".Generally, employees want to apply for a "provident fund loan", and the approval process is relatively strict. Those who can apply should feel "lucky".

In addition, there is another most important reason why the "eldest son-in-law of the Zhou family" favors this "provident fund loan" the most.

That is, the occupations he and his wife are engaged in, the company very formally purchases "five insurances and one housing fund" for them.And from the wages paid to them, "withholding" the part of the "five insurances and one housing fund" that should be paid by the individual.The part that should be paid by the enterprise is also paid in place on time.

Under such circumstances, to put it bluntly, even if you don't apply for the "provident fund loan", the formal company will still pay the "provident fund" for you with "compulsion".You can only watch the funds in your "provident fund account" accumulate more and more, but even if you don't use it for the rest of your life, the money in this "provident fund account" will not be distributed to you directly.

What is even more depressing is that even if you will never apply for this "provident fund loan" in your life, the regular company will still withhold the "provident fund" from the "salary" that should have been paid to you.You don't even want to get such a sum of money.

From the perspective of the "eldest son-in-law of the Zhou family", I feel that if you never "apply" for a provident fund loan in your lifetime, you will suffer a big loss.

From the salary that the company should have paid him, there is a fixed amount, which is deducted every month and used to pay into the "provident fund account". The "eldest son-in-law of the Zhou family" is regarded as saving his own money.If you don't apply for a "provident fund loan" for a lifetime, it means you have saved money but don't use it for a lifetime.

Isn't this called "losing"?What is "losing"? !
What's more, in the "Zhou family's eldest son-in-law" family, the two husband and wife work for the same company.Since this formal company stipulates to pay the "provident fund", of course the "eldest daughter of the Zhou family" cannot fail to pay.

Both parents-in-law have paid the "provident fund", and it feels like applying for a "provident fund loan" once in their entire life will be even more costly.

Therefore, without much hesitation, the "Zhou family's eldest son-in-law" and his wife reached a consensus and applied for a "provident fund loan" of 30 yuan.

The interest rate of the "provident fund loan" is 5% if it is more than 30 years.In other words, for a "provident fund loan" of 1 yuan borrowed by "the eldest son-in-law of the Zhou family", the annual interest is about 1000 yuan.The monthly interest repayment has not yet reached 1 yuan.The principal plus interest will be repaid [-] or hundreds of dollars a month.

With this repayment amount, the pressure on the "Zhou family's eldest son-in-law" and his wife did not increase much.The combined "monthly salary" of the two of them is over ten thousand.

Besides, if you really apply for a "provident fund loan", you can directly use the "provident fund" money you have paid to repay the principal and interest of your "provident fund loan".

This means that the money deducted by the company from their salaries is almost enough to meet the monthly "mortgage loan"... The "eldest son-in-law of the Zhou family" will "make up" for the shortfall.

The "eldest son-in-law of the Zhou family" feels that paying "provident fund" is a costly business.Fortunately, he finally applied for a provident fund loan, and some money was deducted every month.This money was earmarked and used exclusively to help him "pay off his debts".

This relieved the loan repayment pressure of "the son-in-law of the Zhou family" a lot.

The old-style "commercial housing" owned by the "son-in-law of the Zhou family" is the top floor of the 8th floor, and there is no elevator, so it is inconvenient to go up and down.What is particularly unsatisfactory is its "house layout".

"The son-in-law of the Zhou family" is actually quite appreciative.What he despises most is the "pattern" where the two sides of the "living room" have room doors facing each other.

But his "father" "purchased" a "second-hand commercial house" of only 69 square meters for cheap, and the "living room" had a door facing it.

And in order to save space, this old-style "commercial housing" generally does not have "aisles".Open the door directly to enter the "living room", and then open a "bedroom" on both sides of the "living room", so there are two doors facing the "living room".The "kitchen" is also located at the other end of the "living room", and the "kitchen door" is also facing the "living room".The "bathroom" is next to the "kitchen", so the design of drainage is more convenient.But the result is also the "bathroom" door, which also faces the "living room".

In addition, the "anti-theft door" for "entrance" is itself facing the "living room"...

There are 2 "doors" facing the "living room" in a mere 5-bedroom.This is one of the designs that "the eldest son-in-law of the Zhou family" despises the most, but it happened to be "spread up" by him.Therefore, it is conceivable how eager he is to live in a good house of his "idealized" type of apartment.

That kind of house is where you can live comfortably.

In addition, there is another very crucial reason why the old-style "second-hand house" that his "Old Bean" picked was sold cheaply.That is, this old-style "commercial housing" does not have the so-called "gift area".

The "commercial housing" of later generations is expensive to sell, but it also has a lot of "gift area".For example, a set of "real estate title certificate" clearly marked as a house of 120 square meters, what is the "shared area" listed in it? What is the "actual area"?

However, on the "real estate title certificate", there will never be any "gift area" listed.

The reason why big real estate developers have those "gifted areas" is that later generations of high-rise elevator buildings all pay attention to the beautiful appearance of the external "shape".In this way, there are basically "bay windows".In order to facilitate lighting, some buildings and buildings will have some concave and convex connection positions.A considerable part of these connecting locations are designed as "small tearooms" on the floors.Because it is only about 5 square meters.You said it would be a "bedroom", but that doesn't look like it either.

In addition, it is a new type of real estate design, basically every household will have a "big balcony" that "floats".The floating balcony alone covers more than ten square meters.

According to the "measurement" standard of the department that handles the "real estate title certificate", any part of the "floating" area of ​​a high-rise building will not be included in the "property title certificate".Not counting their area.Only count the part that has "Footprint" below it.

Therefore, "owners" such as "shared area" basically do not "reflect" the area in their own living space, which is included in the "property certificate".On the contrary, those "balconies" floating outside, the "area" that the owner can actually use, is not included in the "property certificate".

But the developers of later generations are also smart.It bundles these "balconies" and "bay windows" together to create a concept of "gift area".Often, for a house with 120 square meters marked on the "real estate certificate", the gift area is as much as more than 30 square meters.

It doesn’t just feel good.In fact, while living in it, I can clearly feel that the space of the house is not so "narrow" and is much more open.

Commercial housing in later generations requires a “family type” with a unit type, a “bonus area” with a free area, and an elevator with an elevator... Anyway, it is very in line with the concept of human settlements.So sales are good.Even if it is placed in the "second-hand housing market", those "second-hand housing" with better layout and more usable area are better than the old-fashioned "second-hand housing".

But no matter what, the 69-square-meter "second-hand house" purchased by "Old Dou" of "Zhou's eldest son-in-law" also has an advantage.That is, he bought it when the housing price was very cheap.When you buy it cheap, the profit margin is very large.

The "eldest son-in-law of the Zhou family" works and lives in this big city. The cramped two-bedroom apartment is uncomfortable but very affordable.It can allow them to save a lot of living costs and make it easier to obtain a certain amount of savings.Therefore, in the foreseeable ten or twenty years, there is a high probability that the "son-in-law of the Zhou family" will not sell such a "real estate".

As a result of holding such a small house for a long time, its market value is getting higher and higher.It is easy to use it as "collateral" to "loan" 50 from the bank.Not to mention a mere 20 yuan.

After much deliberation, the "eldest son-in-law of the Zhou family" finally took this "real estate" and applied for a 30 "provident fund loan" in the name of "renovation".

In addition, a total of 8 yuan was borrowed from relatives and friends.

With a total of 38 yuan on hand, the "eldest son-in-law of the Zhou family" can build the main building on his own "land" in one go, and then perform some simple decoration according to the standards of "public blanking".

All costs are within budget.

In fact, based on the market value of my "two-bedroom" set, the loan I can get is enough to complete the whole process from the construction to the decoration of the new house.The reason why I didn't borrow 2 directly, but borrowed another 40 from relatives and friends.It was the elders of the "Zhou family's eldest son-in-law". When they heard that he was going to build a decent new house, they were very generous and each family gave a sum of money to support him.

The elders did not say it clearly, but according to their usual style, in fact, the money was given to the "eldest son-in-law of the Zhou family" without any thought of getting it back. It was equivalent to giving it to him.But the "big son-in-law of the Zhou family" also needs to save face, so it's not good to ask the elders to "spend money" in vain.When he got married, his elders had given him generous financial gifts.Building a new house this time is an "improvement" investment and is not an imminent matter. How could the "eldest son-in-law of the Zhou family" have the nerve to accept money from his elders again? !

So the elders insisted on supporting him, and the "son-in-law of the Zhou family" also insisted on treating the money as "borrowing".And it's not in name, it's the real "borrowed and repaid" kind.

The "son-in-law of the Zhou family" did plan to gradually repay the 8 loan.

According to the income of the "Zhou family's eldest son-in-law", it is not too difficult to repay these debts, and the debts are still "interest-free".

The "eldest son-in-law of the Zhou family" has always adhered to the simplest principle when borrowing money, that is, "do what you can".

From the perspective of "the eldest son-in-law of the Zhou family", not only will it take many years (measured in years) to repay the principal of the money he borrowed, but he must also be aware of it.Even the "interest" associated with repaying the "debt", how long does it take to repay the "interest"?You should also be aware of it.

"The eldest son-in-law of the Zhou family" has always been a person with "plans".

If you can calculate these things clearly, everything will be OK.

The "eldest son-in-law of the Zhou family" has such a plan in doing things, and it also benefits from the influence of his wife "the eldest daughter of the Zhou family".

The reason why the "eldest daughter of the Zhou family" is very well-planned in this regard is because her father "Coach Zhou" once made a fortune in business, but he did not use reasonable means very effectively to "preserve and increase the value" of resources, which had a great impact on her. so big.

If the parents stopped the "electric car" assembly business in time after the "electric car" assembly business boomed, the Zhou family would no longer have to "worry" about the word "money".From then on, both "the eldest daughter of the Zhou family" and "the youngest daughter of the Zhou family" were genuine "rich second generations".

There is no need to worry about "houses" and "cars", these big expenditure items of ordinary people.

Just because "Coach Zhou" has no business experience, he accidentally "hit" his luck, and earned tens of millions of dollars by "assembling electric cars".This led him to have an illusion: It seems that doing business is not difficult.

Relying on his passion, Zhisuo spent all his money to invest in the so-called "potion project".The result was a mess.

If you have had some experience of frustration in doing business with "small losses" before, you probably won't be so bold as to start a "potion project" and bet all your wealth on it.

As long as he only bets half of his wealth, even if he loses it all, then "Coach Zhou" is still a "rich man" with a proper wealth of 500 million, and "the eldest daughter of the Zhou family" is still an ordinary "rich second generation", very better off.

Just because the father's "Coach Zhou" did not grasp the "God-given wealth", the wealth was gained and lost. The "eldest daughter of the Zhou family" regretted this.

If you haven't tried the taste of "getting rich", maybe you won't have such a strong "sense of loss".

"Coach Zhou" only has two daughters. When he was very proud of his career, he was really willing to give money to his two daughters so that they could spend their money.

The two daughters also knew very well that the father had no sons, so of course his property would only be inherited and divided equally by the two daughters in the future.

That is a real "shocking wealth", waiting for them to inherit it.

Before inheriting, you can actually use your father's wealth.People like "Coach Zhou" simply bought "social security" for their daughters.

(End of this chapter)