Quick wear is not a cannon fodder

Moreover, after the age of 50, not only do you need money to pay off the mortgage and live, Cousin Wang also has two sons who are in high school or college at that time. They also need money. Money is needed everywhere. By then, I am afraid that I will have to replace it with something worse. Houses need to be exchanged for a little money to be able to supply them, otherwise they will not be able to live at all.

This is not only a problem for Cousin Wang and his wife, but Uncle Wang's son and even the second aunt's son have troubles in this regard.

The children of the second aunt's family bought a house in this city. Although the price is much cheaper, the income of their sons is also very small. It is also very difficult to support the family's expenses and pay off the mortgage.

My aunt's son works outside, and his income is good. Although his salary is not as high as that of Cousin Wang and others, his mortgage is not as high as Cousin Wang's, so he can afford it.

And there are advantages to not having a higher salary than Cousin Wang - with this level of salary, there are more job opportunities, and it is easy to find even if you are unemployed. Unlike Cousin Wang's job, although the salary is high, there is still room for choice. There is not much, so although my aunt's family is living a tight life, the crisis is not particularly big. Even if the family's income is too small and life is tight, if there is a need for money, they can still use the money from selling the house to support it. For a while, it's still passable.

But the second aunt's house is different.

Even if the second aunt's son is married, he still spends three days fishing and two days drying nets, basically making little money.

The second aunt and his wife are now retired. They only have enough money to live on, and it is difficult to help their son repay the loan.

As for their daughter-in-law... With what kind of conditions the second aunt's son is in, what kind of daughter-in-law can he find? Naturally, he is a daughter-in-law with no job. Before having children, like the second aunt's son, he spent three days fishing and two days. She was working on the Internet, and now she has a baby. Like my aunt's daughter-in-law, she also said she wanted to take care of the baby at home, but she also has no job.

As a result, the mortgage loan for the second aunt's family is also very problematic.

Fortunately, the second aunt's family had sold the old couple's house before, so although the son and daughter-in-law had no income, they could still make do with the money from the old house sold and the monthly loan repayments.

The money from the old house is used to repay the loan. In the future, the old couple is afraid that they will have no money to buy a house. When the children are older, they no longer need to take care of the children. They still live with their son and daughter-in-law, and the daughter-in-law will dislike it.

But there is nothing they can do then, because they have no money to buy a house, and they have always been city dwellers, and they don’t have an old house in the country, so if they don’t live with their son and daughter-in-law, where will they live? It's thick enough so you won't be afraid of being disliked by others.

So each family has its own difficulties, but the Tang family, whom they had always laughed at before, is now living very easily.

Although Tang's father and Tang's mother have all retired, all the money they saved before was invested in Enron's stock trading. They made a lot of money from stock trading, which made everyone's life easy.

There is also a house in the provincial capital. If you have no money to use it, you can sell it at any time in exchange for a comfortable life.

So every time there was a family gathering, the other families complained that they had no money. Although Tang's father and Tang's mother also complained to prevent anyone from borrowing money, in fact the family was not short of money at all.

However, given that his own family still complains even if they don't have any difficulties, Tang's father and Tang's mother don't know if other families are in the same situation. It's actually a lie to say they have difficulties.

An Ran, who knew the real situation, said: "It should be true. We said it was a lie to pay the mortgage for a house in the provincial capital, but the mortgages of several of them are not false. I have never heard of any house where the full payment was paid."

After hearing this, Tang's mother said: "The second sister's house is fine. Their son will not buy a house in this city and it will be difficult to find a wife. But for the eldest brother and the younger brother's house, it is actually not necessary for them to buy a house in the capital. Their two families The conditions were good before. If we hadn’t bought a house in the capital, our life would have been much better than ours.”

"It wouldn't be a loss if the houses in the capital went up so much, but the price has gone up and down over the years. Compared with the price when they bought it, it has not increased much. After deducting the mortgage interest, and if the money is not used to buy a house, the bank can The interest earned feels like a loss.”

House prices in the capital have indeed risen somewhat, but they cannot keep rising anywhere, so although they have risen somewhat, excluding what Tang's mother said, they have not actually risen much, and it is not cost-effective to buy them.

"Buying a house in the capital sounds good. You don't know the character of my uncle? He is a face-saving person who likes to brag. Before, my son couldn't find a good job and was scolded by him all the time. Maybe he felt that his son I couldn't find a good job, which was embarrassing for him. Now I finally found a good one, and I found that my uncle has started to brag again recently. "

Before Uncle Wang and Uncle Wang had a dispute, because his son was still in school and his academic performance was average and had nothing to brag about, he kept bragging about Cousin Wang, saying how much money he made in a month in the capital, how great it was.

Although Cousin Wang was not his son, he was his nephew, almost like his son. Cousin Wang was very profitable, so Uncle Wang felt that it would be flattering to tell the truth, so he naturally blew it.

Later, there was a stalemate, so he stopped bragging. Then his son's salary was mediocre in the capital, so he stopped bragging for a few years.

Until this time, his son found a good job. Although it was not as good as Cousin Wang, he could still earn 200,000 yuan a year. He started to brag again.

After hearing An Ran's words, Tang's mother couldn't help but smile when she thought of her younger brother's behavior and said, "That's true."

However, in order to make it sound good, she lived such a precarious life in the end, always afraid that the confession would be cut off tomorrow. If it were Tang Mu, she still wouldn't do this.

In fact, with their previous income, they could still afford a down payment for a house in the capital. Even if they couldn't afford a house as big as Cousin Wang's house, they could still afford a smaller one.

At that time, I didn’t want to live such a hard life, so I didn’t let my daughter apply for social security insurance in the capital and buy a house after the full period.

In fact, before buying a house in the provincial capital, my family also discussed whether to buy a house in the capital, but in the end we did not buy it because it was too expensive and we did not want to have the pressure of a mortgage.

Of course, the main reason is that An Ran feels that the rate of appreciation of her stock market far exceeds the rate of appreciation of housing prices in the capital, and it is more cost-effective to keep the money in hand, so she does not want to spend the money there.

Now it seems that this is the right thing to do. When other people's families are working hard, their family is not working hard at all.

For Enron, it doesn't matter whether he has a house in the capital to brag about, the key is to live a comfortable life.

And An Ran's guess about Cousin Wang's family was very accurate. Even Cousin Wang and Cousin Wang were not even fifty years old, but only in their forties. Because they were unemployed again, the wages of the jobs they found were much worse than before. , unable to afford the living expenses and huge mortgage loan, had to sell the house again and buy a cheaper house.