A housewife reborn in the 90s

This morning Wang weighed several apples one by one and went to the store.

"Sister Wang, eat an apple."

"Wang Yiyi, the apples you brought are delicious. Give me ten pounds during the Chinese New Year."

"Okay, Miss Wang."

"Wang Yiyi, you check out this store, I'll go to the real estate center."

"Ok."

Wang Yiyi knew to keep her distance. After all, she was her boss. She rarely asked her boss what he was doing.Or what are you going out for?Wang Yiyi placed her in the right position. Everyone has their privacy. As long as the boss goes out, he only needs to tell Wang Yiyi that up to now, Wang Yiyi has been with Sister Wang for several months. She didn't ask her boss why she didn't get married, or who was her boyfriend when he came to pick her up?Which one is her colleague?Wang Yiyi didn't ask. The boss and the employees still had to keep a certain distance. They could just say whatever they wanted. If the boss didn't want to talk, Wang Yiyi didn't ask.

Sister Wang came to the store at noon.

"Yiyi, I transferred the ownership today."

"Have you bought a house?"

"How did you guess it?"

"If you had transferred the ownership to someone else, you wouldn't be smiling so happily!"

"Smart, I bought three buildings with fully renovated second floors, but I have to wait ten days before I can move in. The owner hasn't moved out yet. Do you know how much I paid for this house?"

"If it's fully furnished and comes with all appliances, the current market price should be 6 yuan."

"This is 55000 recommended by a friend. It comes with all the furniture and appliances. It is very clean. After they leave, they will clean it and you can just pack your bags and move in. This house was renovated not long ago. One, one, and your two The building is almost the same.”

"Sister Wang is a cow."

"What a great deal. This is the price of a friend. We all know each other. In the past few months, we have seen the house price increase slightly. It was only 1000 yuan per square meter when you bought it. Now it is 1100 yuan per square meter. Go back and discuss it with my parents. I decided to buy it, so that it would be more convenient to live by myself. Did you rent that house for 1000 yuan?"

"Yes, that house is well-decorated and has all the appliances. It was rented by the nurse across the street. The only drawback is that the deposit is one and you pay one. I have just started working and have no savings. Come to think of it, it's right across the street. You can't see it if you look up and look down. .”

"Yiyi, just be content!"

"Sister Wang, I want to ask you something. I want to get a loan to buy a house."

"Which house are you interested in again?"

"This house hasn't been released yet. I just heard the news and I want to buy this house."

"how much is it?"

"The minimum price for this house is 55000, and it is simply decorated. The only advantage is that the bathroom has a window and the home has never been rented out."

"Okay, it was your intelligence network that revealed it to you again, wasn't it?"

"Didn't I go home one day carrying apples? I met a grandma and gave her two apples. We chatted for a while. She said that she had bought a big house upstairs and she might have to sell this small house. I I immediately gave her two more apples and asked her to keep an eye on them for me and let me know if her family sells their house."

"How are you going to borrow money? Are you doing it as a mortgage, or are you doing it on a salary basis? The mortgage loan is your property as collateral. If it's a salary, you have to use my business license and my guarantee."

“What is the current loan interest rate?”

"The current loan interest rate is 5.6%"

"I use my one-bedroom house as a mortgage, how much can I borrow? Will it affect my two-bedroom house? My future mortgage loan."

"Wang Yiyi doesn't want to owe such a big favor, so he still thinks it's better to use a mortgage loan."

"I have to ask this for you. Please wait for me for a while."

"Okay, thank you, Miss Wang."

Sister Wang took out the phone book and started making calls. Wang Yiyi registered all the information collected in the book and made a detailed record.

"Wang Yiyi, I asked you just now. If you use your one-bedroom and one-living room, you can get 20 yuan. If you use your two-bedroom and one-living room, you can get 30 yuan. Are you planning a short-term loan or a long-term loan? There are five Some are years, some are ten years, some are [-] years, some are [-] years.”

"Sister Wang, let me do the math first. If you use two bedrooms and one living room, it will be 5600 per year, and the interest for five years will be 28000. The monthly principal plus interest is equivalent to about 2140 yuan. Sister, I am ready The loan is for two bedrooms and one living room. If this is the case, will it affect my future use of the one-bedroom and one-living room loan?"

"It doesn't affect the loan, but it affects the loan amount."

"Okay, Sister Wang, I'll go in the afternoon, okay?"

"Okay, let me tell him what he needs to bring."

"Thank you, Sister Wang, thank you, Sister Wang!"

"Wang Yiyi, are there no problems with your credit check?"

"What credit check?"

"Have you ever done a guarantee or taken out a loan?"

"No, no, I still know this. I have never given a guarantee or taken out a loan."

"Okay, bring the real estate certificate, your ID card and bank card with you in the afternoon, and then go, I've already made an appointment for you."

"Thank you, Sister Wang, thank you, Sister Wang."

In the morning, Wang Yiyi rented out two more houses. Wang Yiyi felt that the houses in this area are really easy to rent and sell. He will definitely go and get the loan in the afternoon. The house prices have not risen yet. Please buy some more quickly. Wang Yiyi knew that houses in this area will rise very quickly. Once the house prices rise, it will be difficult to get a car.

"Mom, I'm going to get a loan."

"What? Loan?"

"Just borrow money from the bank."

"What do you want to do? Why do you want to borrow money from the bank?"

"I have my eye on another house and want to buy it."

"Mom has money here. Mom has more than 2 yuan here. You can use it first."

"Okay, why did you save more than 1 yuan again?"

"Isn't this your dad's salary, plus housework? Now there are more and more housework jobs, and it has already reached more than 4000 yuan this month. I want your dad to do it with me, but your dad won't do it with me. .”

"Either you find someone to work with you, or it's too tiring. The Chinese New Year is coming soon, and there are more people who need housekeeping."

"I can still do it now, but I'm afraid that more and more jobs will come in the future, which will delay other people's work."

"How about you call my aunt over? She doesn't have much work to do during this time?"

"I don't want to worry about your aunt. Your aunt is disobedient. At that time, I introduced her to a soldier. She insisted on finding someone from their village. I was so angry."

In fact, Wang Yiyi knows that his aunt is still living happily, and he has never had to worry about it in his life?My aunt gave birth to a girl. Her mother-in-law didn't want to see my aunt, so her uncle moved out and lived alone. My uncle was very good to my aunt. Although my aunt was not rich, she still lived a very comfortable life in the countryside. Wang Yiyi The first time I went to my aunt's house, she always killed chickens and geese for me.

"Mom, the Chinese New Year is almost here, and there is a lot of life during this period. Really, let me give it a try!"

"Okay, give her a call in a few days and ask."

"Mom, what's delicious for lunch today?"

"I made braised pork, stewed hairtail fish, and stir-fried Chinese cabbage with vinegar."

"Okay, when can we eat?"

"You can eat when your dad comes back."

Wang Yiyi went to the house to put the real estate certificate. In fact, Wang Yiyi wanted to put the real estate certificate in the space, but the space came inexplicably, and he was afraid that it would disappear, and the real estate certificate would be gone by then.Just leave it at home!There was no one at home anyway.

After Wang finished his meal one by one, he went to deliver the meal to Sister Wang.

"Sister Wang, I went to the bank and got in line early."

"Don't worry, there are not many people taking personal loans now."

"No, I'd better go early. I've never done it before, so I feel a little unsure."

"That's fine, you go!"

Wang Yiyi took the real estate certificate and ID card, and rushed to the bank. Wang Yiyi had never taken out a loan in his life, and he felt unsure. Although he told his mother that he was confident, he was still a little panicked about unknown things. .

"What kind of business do you want to do?"

"I'm here to apply for a loan."

"Okay, please get your number, and you can go to the innermost window No. [-] to apply."

"OK, thanks!"

Wang Yiyi came to window No. [-] and saw a handsome guy. Wang Yiyi had no time to appreciate him.

"I want to apply for a loan."

"You are Wang Yiyi."

"Yes!"

"If you use your house as a mortgage, you can borrow up to 10 yuan. How many years do you plan to borrow?"

"Five years."

"You sign these documents first, and the real estate certificate will be retained. The five-year interest rate is 5.6%. The monthly repayment is 2134 yuan. Do you choose manual deduction or automatic deduction?"

"Automatic deduction."

"Do you have our bank card?"

"Yes, this is my bank card."

"Okay, automatic deductions will start from the 1st to the 10th of each month. Your card must have the deducted amount. Your mortgage amount will be available within seven working days. You can check it in time when the time comes. If you have any questions, you can come to the counter."

"OK, thanks!"

Wang Yiyi walked out of the bank in a daze, and was still confused when he came into the store!

"Wang Yiyi, what's wrong with you?"

"Sister Wang, I signed a lot of things at the bank. It feels like I signed a contract of betrayal. I feel unsure."

"Hahaha, my friend even praised you for being awesome."

"Don't laugh at me. My legs are feeling weak now. I have never borrowed so much money!"

"Wang Yiyi, I thought you were brave."

"Sister, just laugh at your jokes. I'll drink some water first. I'll take it easy!"

"That's your friend. No wonder he seemed to know when I handed the thing over. Do you want to treat your friend to a meal?"

"no, I'm fine."

"Okay, thank you, sister."

"Wait a moment, someone will look at the room."

"No problem, look at me."

This apartment was successfully sold in the afternoon. Wang Yi felt that this month's salary would definitely be high.