rogue flower

Fortunately, housing prices in Jinnan are not very expensive, and you can buy a good house for 70 million yuan.The remaining gap probably needs to be filled with loans, but both of them are high-risk occupations, and the amount of commercial loans is limited, so Chi Lang went to inquire about the specific process of provident fund loans, and it also involved the relocation from different places to locals.Various problems came one after another, and the two of them simply studied Jinnan's house purchase policy, and it took more than three months to look at the house alone.Bai Zizheng didn't care about the newness or oldness of the house, so some second-hand houses in good condition were also sent by Awei.They caught up with the case completely out of the blue. Sometimes they made an appointment with the landlord but couldn’t make the trip. When they finally got free, the other party thought that the time they set was too late.Gradually, Bai Zizheng also only looked at the houses from the developer channel, not too picky, just to save worry, who made them always be treated as super VIPs in the circle of Longjiu, finally they don't need to accommodate others .

After choosing a house for several months, the young couple finally settled on a two-bedroom house 5 minutes away from the police station. A synonym for satisfaction in all aspects is that the price is not very friendly.The developer has its own dragon and nine management, and the price has been severely suppressed in the process of black-box operation. Even the original unified hardcover has become a tailor-made one that fits the preferences of the couple.As a beneficiary, Chi Lang felt that this kind of bias was too bullying, but Long Jiu didn't say anything, and when he relayed it, he also had the feeling of a domineering president of "I just sell the house like this, do you have any objections?"Bai Zizheng went home and took the calculator to calculate. The original price of 24 sq. The total area of ​​the house is [-].Bai Zizheng thought that the price given by relatives and friends was too outrageous, and Chi Lang also felt that it was inappropriate, so the two simply went to the bar to find Long Jiu for an interview.

It was still the room at the end of the corridor, but this time the familiar face who received them was replaced by Ah Wu.In front of Chi Lang was a cup of pale gold rum as usual, and it was Bai Zizheng's turn to exchange for a cup of cashed fruit tea, which immediately made Bai Zizheng feel like he was being brought to meet his parents.In fact, after the series of events of Shen Jianan's death, the relationship between him and Long Jiu, not to mention that he had become a big relative and friend, did not have the initial tension. Besides, Chi Lang didn't know about their private meeting. It's also quite interesting to play on occasion, who made Long Jiu an unkind and indifferent big brother from the beginning of his appearance.

It wasn't very cold indoors in early November, but Long Jiu had already put a thin blanket on his knees, which just covered the mutilated wound below his left leg.The two of them came here at this time, Long Jiu thought about why, nodded slightly, and said, "You two are here, just in time." Then he told Ah Wudao, "Call Manager Liu over."

Ah Wu took the order to leave, and brought back a young man in a suit and leather shoes after a while. It was the real estate manager who was in charge of receiving them a few days ago.He still had a professional and friendly smile on his face, and quickly said: "Hello, Mr. Long, Mr. Bai, and Mr. Chi. Who do I need to report about the house?"

Long Jiu raised his chin in the direction of Chi Lang, and directly made a decision for them: "I don't know the policy about writing names in the house book, so I won't tell you." The implication is to let him go Talk to Manager Liu.At first, Chi Lang thought that there was nothing to avoid about this question, but later realized that Long Jiu probably had something to say to Bai Zizheng, nodded, and Ah Wu led them to change the room next door.Seeing that everyone had left, Bai Zizheng said straight to the point: "Ninth Brother, we're here today..."

Long Jiu said: "I know, isn't it just for the 20 yuan." He picked up the cup on the table and took a sip, "No matter what you two said today, my attitude will not change. You and Chi Lang doesn't want to be short-handed, but I, Long Juncheng, am not an ungrateful person. Chi Lang is not only my brother, but also my savior. Whether it is a dowry or a gift, his father doesn't recognize him anymore. Is this house not allowing me, a big brother, to do my part?"

Bai Zizheng said, "It's not..." He originally wanted to say that it wasn't a matter of lack of dedication, but actually Long Jiu had already helped them a lot.He and Chi Lang are not ordinary white-collar workers who work from 20 to [-]. Without the support of Long Jiu and the huge real estate empire behind him, let alone buying a house, even looking at the house would be infinitely close to nothing. It is impossible for the two of them to settle down as smoothly as today.But stuck at this important juncture of starting a family and starting a business, Bai Zizheng does not want to owe too much favor, and Jinnan's survival pressure is not very great. In the long run, it is obviously more cost-effective to exchange an unplanned [-] loan for a satisfactory house up.

Long Jiu waved his hand and interrupted him: "Don't rush to refute, why don't we settle accounts? How much money do you and Chi Lang have now?"

Bai Zizheng thought for a while and said, "35." The two of them at home can only scrape together so much.But for a house with a full payment of 80, no matter whether the down payment is 20.00% or 30.00%, this figure is enough for them to take the first step successfully. This is also the main reason why Bai Zizheng didn't keep his parents' private money.

Long Jiu asked again: "What about the loan plan?"

Bai Zizheng had nothing to say. In fact, he and Chi Lang hadn't discussed a specific result until today before going out. The 35 yuan certainly cannot be used to buy a house, but the two of them disagreed on how much to keep.Chi Lang's opinion is to invest more in the early stage and save 50 to [-] for emergency. Anyway, the house comes with its own decoration, so there shouldn't be any bigger expenses in the future.However, Bai Zizheng felt that the amount of [-] to [-] was a bit dangerous, and Bai Mu also suggested that he keep more money. He was not afraid of having too much money. At worst, he could borrow a few more years, but Chi Lang's sentence "I can live in my own house earlier" is really It made him a little bit excited, no one wants to be still repaying the loan when they are [-] or [-] years old!

Once the loan amount is determined, they have to consider a series of messy issues such as the repayment period, interest rate, and the feasibility analysis of future salary increases for early repayment.Bai Zizheng's head grew dizzy in an instant, and he suddenly felt confused when he was sitting in a university class and listening to the teacher's lecture on financial management. Why is it so difficult to buy a house?

Long Jiu said clearly, "Haven't decided yet?"

Bai Zizheng said, "No. But part of the 35 must be kept..."

Long Jiu said: "Very well, I know I have left money." Then he began to settle accounts for him, "How much are you two going to keep? Fifty thousand? Or one hundred thousand? What about furniture? Are you going to sleep on the floor if you don't buy furniture? Do you want to buy it? What about the parking space? It costs money! If you have no money, what should you do if you get sick in the future? You two are policemen! That head of Chi Lang, huh? Have you considered it? If one day adopts another child..."

Bai Zizheng was completely speechless, wondering what the hell the child is!Two cops!Still GAY!No law in the sky will allow them to have children!

But when Long Jiu began to educate people seriously, Bai Zizheng could only bow his head and listen to the training. After all, the second-generation temperament of a real estate tycoon in him is still amazing.Although Long Jiu's last few words were suspected of being alarmist, but Bai Zizheng made up his mind on the [-] in [-] probability, and immediately felt that he was not very good.If one day Chi Lang is really overworked, his old illness relapses, and he is lying in the hospital gloriously injured, spending money like running water to see a doctor like a black hole, and he has to work from dawn to dusk to earn money to support his family and repay the loan—at that time, it would be better to sell the house directly.But there was another thing that made Bai Zizheng's heart cold the most - furniture!Fine decoration does not include furniture!He and Chi Lang were indeed spoiled by Long Jiu's bachelor apartment!How can there be so many houses with bags in the world!

Bai Zizheng covered his face with his hands, and felt a sense of frustration that "what you said is so reasonable that I can't refute it" for a moment, and replied feebly, "Wait, let me think about it first." His original plan was to leave ten minutes About 15 yuan, but now there are more basic configuration expenses, at least 15 yuan is needed as a base.They don't want to extend the loan period too long, ten to 60 years is more appropriate.If the [-] loan is repaid in [-] years, their monthly payment is...

Bai Zizheng couldn't do the math anymore. Looking back, the result of 55 yuan seems to be one-third of their salary, 60 yuan... It shouldn't be too far behind, but the interest on the 15-year loan is astonishing!If it is replaced by a 30-year long-term loan, it is estimated that even the down payment of another house can be made up... In case the provident fund loan is in trouble again, once they leave the commercial loan, the interest will almost catch up to half of the principal!

Bai Zizheng was fooled by Long Jiu's words for a long time, and his mind was full of calculation formulas for the principal interest rate repayment period. When he left, he even forgot his original intention of refusing the kindness——when Long Jiu wanted to drive someone away He can always find all kinds of reasonable and reasonable excuses for being weak, who makes him really easy to get sick if he is not careful.Chi Lang didn't have the confidence to kill with one blow. He was able to persuade this God of Wealth, who can't beg for it, to stop giving them money. With a calm expression on his face, unlike Long Jiuzhen's sudden relapse, he couldn't help laughing and said: "Come on, I have used this routine on me, are you tired?"

In order for the big boss to stab the second boss twice—this is the true inner portrayal of Ah Wu as a black-bellied bodyguard. He nodded slightly and replied calmly: "You two go slowly." .

It wasn't until he got in the car that Bai Zizheng suddenly realized that he had forgotten his business, so he logically transferred the troubles of counting mountains and knowing the sea to Chi Lang again.Chi Lang stepped on the brakes subconsciously, and after thinking for a long time, he couldn't figure out how the two of them forgot about the furniture—probably they are really not in charge of the family and don't know how expensive they are, and Bai Zizheng has the solid backing of the Bai family behind him. My father doesn't recognize my mother's absence, but in the past few years, I have received a lot of care from the three great gods of Xu Kanglong, and I can only live my little life in a comfortable and satisfactory situation.However, it was only when they joined hands and prepared to polish their future life that the embarrassing weakness of "excellent business level and low emotional intelligence" was gradually exposed.At this time, Chi Lang also suddenly felt a faint melancholy feeling that his viability was questioned. He raised his hand and touched his nose, and said carefully: "Well... let's go and see the furniture first?" I don't know anything about decoration or furniture. I only remember the expenses of around 30 yuan in the late-night house renovation show.

But there is still some good news, at least Manager Liu gave them quite good feedback.It is theoretically possible to write the names of the two men in the house book, and the developer, as a conscientious developer, is naturally willing to share their worries and solve their problems under the instruction of the big boss.But the provident fund loan is more troublesome, because the two of them are not related, and in principle they cannot be joint repayers.As an excellent account manager, Manager Liu certainly has his own unique insights when encountering this special situation - first check the balance of the provident fund account, and whoever has the higher amount will take the loan in the name of the one who has the higher amount, and then submit the income certificate. If the number is higher, two people will repay the loan together - the protection of rights and interests depends on whether the emotional foundation of both parties is solid.Chi Lang felt that this matter had to be discussed with Bai Zizheng, but Bai Zizheng didn't think it mattered, as long as he could buy the house smoothly, who made him numb to the matter of calculating money now.

The author has something to say:

This episode is actually a reflection of my colleagues buying a house recently.

In the past, the protagonists I wrote were either nouveau riche or rich second generation. Buying a house was like playing for fun. Later, when I thought about buying a house, it was really difficult... How did the house price of tens of thousands per square meter rise? ?Anyway, I can't afford a house...

The house price part refers to the data of my colleague’s hometown, but the provident fund and so on... Because my colleague has not really reached this point, I have checked many theories on the Internet hahahahaha, let’s have fun, don’t take it seriously. He Laochi's economic situation is still not serious. I have calculated that according to the setting in the article, they will have no problem repaying the loan, but if they can't stand the plug-in, they just want to give them money.I don't know when it will be released!At that time, I will put a menu link on the copy, in case I can’t poke it in →_→by Xiao Gu who hasn’t decided what to write in the new article