Rebirth 1990: I have three golden fingers

Houses are cheap, a house only costs more than 100,000 yuan.

The question is, how many families can afford it today?

Let alone 100,000 yuan, in this era when there are very few households with 10,000 yuan, how many families can afford 10,000 yuan?

too difficult!

Not to mention in this era, even thirty years later, many young people still owe various credit loans. It is difficult for them to have a net deposit of 10,000 yuan.

So, without relying on family support, how many young people can save 100,000 yuan after just working for a few years?

The down payment for a house in a second-tier city also costs hundreds of thousands of yuan. For most families, they cannot afford the down payment without borrowing money from relatives, friends or banks.

Having a house in the city is a symbol of conquering the mother-in-law for young people. It is a topic for parents to show off in front of neighbors and relatives. It is also a dream that countless families yearn for. However, it also means that they will be trapped in their lives for 20 to 30 years and reduce the quality of life. Dog stuff!

Young people who cannot afford a house are rejected every time they go on a blind date. Fang Bai can imagine the desire and despair for a house in their eyes.

And those who have already bought and worked hard to repay the loan, silently trying to survive, may not be better off than before they bought.

Fang Bai has no ability to change the current situation of future houses. At most, he can change the housing problems of company employees, which is already a very good job.

On the third day, Fang Bai continued to look for a house, looking for one near Jiaotong University.

He felt that he did well in the college entrance examination, and he decided that he would have no problem getting into Jiaotong University, so he planned to buy a house near Jiaotong University.

This side of Jiaotong University is already considered a suburb.

The urban area in the traditional sense, even a few years later, will still be centered on "The Bund - People's Square", with Xujiahui to the west and Pudong South Road to the east.

Most old Shanghainese people believe that Xujiahui is already on the edge of the "urban-rural fringe".

Just a step outside, there is farmland.

The house Fang Bai is looking for is not large in area, with two bedrooms and one living room, 50 square meters, and the price is also cheap. The price on the third floor is 1,400 yuan per square meter. The first and sixth floors are the cheapest, only 1,150 yuan per square meter, which is 2,310 yuan per square meter than in the city. The square meter is much cheaper, and there is zero down payment.

Wang Dakai took a fancy to this zero-down-payment property and asked Xia Xiabai for his opinion, whether to buy the first floor or the sixth floor.

"There are many floors without elevators. The first floor is prone to moisture. There are many ants, cockroaches, mice, and mosquitoes. The privacy is a bit poor. But the elderly people like it. They don't have to climb the elevator. It would be better if there is a partition.

Climbing the stairs to the top floor of the sixth floor is tiring, and it doesn’t matter to young people. I am just worried that the quality of the building is relatively poor now, and there is a greater possibility of water seepage from the roof after living there for a few years. However, as long as it is waterproofed, it will be more uncomfortable than the dampness on the first floor. See It's your choice. "

Fang Bai analyzed that this is the current problem of multi-story buildings.

If you are looking for a high-rise residence thirty years from now, you will definitely not buy the first floor. Waterways are more likely to be clogged and there are more leaks in bathrooms, making it very difficult to sell.

The waterproofing of the roof floor is relatively good, so there is no problem if you live on the top floor.

The situation is different between multi-storey and high-rise buildings. Since there is no elevator, some people like to live on the first floor.

If there are large gardens on the first floor and the top floor, the price will be more expensive than on other floors.

After Fang Bai asked the salesperson carefully, he learned that zero down payment was conditional, and he had to have a social security certificate from a local job.

The sales person in charge saw Fang Bai and others coming in a car and planned to buy a set with full payment. Friends can buy it with zero down payment. They help apply for social security certificates and bank loans, but they have to pay an additional 100 yuan in processing fees.

"Just buy it if you like it. You can repay the loan for three to four hundred yuan a month and your salary will increase every year." Fang Bai saw Wang Dakai's troubled look and persuaded with a smile, "I can lend you the money for taxes and miscellaneous expenses first." .”

50 square meters, in twenty or thirty years it will be about four million.

It can be said that before 2000, wages rose rapidly, and it was still more cost-effective to buy a house.

"Okay, then I will buy the sixth floor. If there is a leak, then waterproof it. It will be more uncomfortable than getting damp on the first floor."

Wang Dakai felt that there was no pressure at home. After hearing what Fang Bai said, there was no need to hesitate. If he bought it, he would be a local in Shanghai.

The tax and miscellaneous expenses are estimated to be 15,000 yuan. I have 5,000 yuan, but I have to borrow 10,000 yuan from Fang Bai.

After Wang Dakai decided, he asked Li Xiaolong if he wanted to buy it together.

"I want to save more money and save it for a few more years." Li Xiaolong replied, feeling that the pressure to repay the loan was too great.

Fang Bai didn't try to persuade Li Xiaolong anymore, he had already said everything that needed to be said.

Housing prices in Shanghai will rise a little every year, but fortunately the increase is not big. Buying in a few years later will not have much impact, so just pay more.

If after 2000, housing prices increased rapidly, no matter how wages rose, they would not be able to match the growth rate of housing prices.

The full payment process is fast, but the down payment process for buying a house is much more troublesome. After Wang Dakai handed over his personal information first, he had to come over tomorrow to go through the process. He had to open a bank account at the designated bank to open the house.

On the fourth day, Fang Bai bought three 67-square-meter houses in Shanbei Community near the Shanghai Securities Exchange Center. They were all on the third floor and were placed side by side. Since they were located in the center of the Bund, the average price was 2,300.

The five houses are all existing houses. The total cost of the house plus taxes and miscellaneous fees, plus decoration and purchase of electrical appliances and furniture, is close to one million yuan.

Fang Bai bought a house and finally settled the residence in Shencheng. After it is decorated and ventilated, he can move in in a few months.

After completing the house procedures, the time came to July 15th. After Qin Shuyu finished the last subject, she had a holiday the next day.

Students in most departments also have a holiday during these two days, and students leave the campus carrying large and small bags.

Wang Dakai has also taken care of his own house and will have to pay for it every month from now on.

At ten o'clock in the morning on July 16, Fang Bai asked Li Xiaolong to drive into the campus and parked downstairs in the girls' dormitory, causing many students to watch and wonder which girl he was going to pick up.

Today's Santana is no less than the Rolls-Royce of later generations.

These days, there are too few families with cars at home, and those who can afford a Santana usually have someone in their family who is a high-ranking official, or they have a big business at home.

Girls' Building No. 3, dormitory 303.

Qin Shuyu had already packed her luggage, said hello to her roommates, and was about to leave the dormitory.

"Qin Shuyu, let me take you to the station. I won't leave until tomorrow." Liao Xiaoyan, the roommate who has the best relationship with Qin Shuyu, said.

Qin Shuyu smiled and shook her head: "Thank you, Xiaoyan, no need, someone will pick me up."

"Qin Shuyu, are you your boyfriend?"

"Uh." Qin Shuyu shook her head and smiled again, "To be precise, she is my partner."

Liao Xiaoyan said in surprise: "Hey, isn't the one you love in your hometown? It's great to come so far to pick you up."

Qin Shuyu said, "Well, I'm already here. Wait downstairs. I'm leaving first."

There were three girls in the dormitory. When they heard Qin Shuyu's words, their eyes lit up. They were very curious about what Qin Shuyu's boyfriend looked like, and he actually came so far to pick her up.

"Qin Shuyu, let me take you downstairs." Chen Li, one of the roommates, suddenly suggested.

"Well, I'll also send Qin Shuyu a favor."

"No need, I can be alone." Qin Shuyu said, "You're welcome."

"Yes, yes."

"Yes, it's necessary!"

Several roommates in the dormitory rushed up to her, grabbed her suitcase, and helped carry it downstairs.

Qin Shuyu was a little embarrassed and confused, so she had to close the dormitory door and follow him.

The moment she closed the door, she frowned, as if she felt something was wrong. She shook her head and quickly left the dormitory to follow her group of well-meaning roommates.