between men and women

No.80 four posts

However, for buying a house, this amount of money is far from enough.

I heard that the real estate opposite my brother's house has already opened, and I heard from my brother that the model house is very beautiful.

Peng Zhiran and I looked at each other and decided to go to see the model house first.

It is indeed beautiful.Simple decoration, walnut wood floor, complete set of modular furniture.Three bedrooms, two living rooms, two bathrooms, 130 square meters, we knew we couldn't afford it, so we followed the sales lady to see the two rooms.

As a result, when the two rooms saw it, the two of us were hit by arrows.The room type is great.Two bedrooms, two halls and two bathrooms, [-] square meters, two households with one ladder, north-south ventilation, master bedroom facing south, guest bedroom facing north, the most important thing is that it is a split floor!Wrong floor! Wrong floor!What a lovely design this is!The bathroom and bedroom areas are raised by three stairs, which immediately separates the public area from the private area, which is simply maddening!

The sales lady also introduced there: "Mr. Chen, Mr. Peng, don't underestimate the three steps. The construction cost of the split-level structure is much more expensive than that of ordinary houses. And our community is the first in the city to launch a split-level structure. Many young people like this design in a one-storey apartment complex, because this design makes a good partition between the personal space and the public space of the entire room, which is very suitable for the needs of young people who like to be lively and pay attention to personal privacy. And this time There are only two rooms on the split floor, but no three rooms. If you two like it, you have to act quickly. We don’t have many remaining two rooms. If you act quickly, maybe you can still buy in the same building Li, be the upper and lower neighbors. Hehe."

In 2000, the Wenzhou real estate speculators group had not yet awakened, and most of the buyers were rigid consumption, so the sales girls were always responsible, unlike later, when the sales girls went to sell the sales numbers.

Peng Zhiran and I watched and our hearts moved.Ah, this house is so ideal.One bedroom, one study.Two bathrooms, one in the master bedroom, and a sliding door in the kitchen, or make it open? "Miss, can this wall be knocked down?" I asked, patting the wall between the kitchen and the living room.

"Yes," the sales lady smiled and showed me the promotional materials: "This is not a load-bearing wall. You see, the bold lines on the house plan represent load-bearing walls, and the hollow lines represent non-load-bearing walls. You can knock them out. of."

I ran to the balcony again, um, the width is okay, maybe I can set up a chair and stool to bask in the sun with Peng Zhiran later?

After watching it in a circle, I really wish I could pay directly.The sales lady may also see that I am very satisfied, and turned to me: "Mr. Chen, what do you think?"

I glanced at Peng Zhiran, he was quite calm, and asked, "How much is your opening price per square meter?"

The sales lady was very kind: "The base price is 51, and the price below the sixth floor is [-], and the floor fee of [-] square meters is added for each floor above the sixth floor."

Me and Peng Zhiran: ...

The sales lady is already pressing the computer: "45 base price, we will calculate according to the base price, 30.00 square meters is 13, if you pay 5% down, it is [-]. Then you work How many years has it been? How much is the provident fund? We can help you apply for a combination of provident fund and commercial loans, and there will be some handling fees. If you want to buy a higher price, basically a down payment of [-] to [-] yuan is enough. It is an off-plan house, and the deed tax will be paid when the miscarriage certificate is obtained..." BLABLA.

Peng Zhiran and I looked at each other, then thanked her, and we went back to think about it.

5 to [-] yuan, at least [-] yuan short.

When they got home, both of them put their heads on the table, with their four hands hanging under the table, facing each other.

Peng Zhiran's face was deformed when pressed against the table, it looked funny. "How about I go back and ask my parents for money." He said.

I shake my head.Peng Zhiran has been working for so long and has always been very independent. He does not pay money to his family and does not ask his family to take money.I know that he, like me, doesn’t like to ask his parents for money, and he also has an older sister. Although the siblings have a good relationship, the older sister has a boyfriend and the younger brother doesn’t even have a girlfriend. Instead, the younger brother asks his parents for money to buy a house , What would his sister think... Besides, he asked his parents to take the money, so how could it be possible to buy another flat with me.

So I thought desperately, where else is there money and where else is money.Damn it, I can't tell my mother that I want to buy a house, otherwise she won't agree to buy it with me and Peng Zhiran... Ding!Suddenly the light bulb above my head turned on. Didn't my dad give me a card two years ago, which claimed to have [-] in it?

I looked for it immediately, and after searching for a long time, I finally found it in the old leather armor I replaced last year. "Peng Zhiran, do you remember that my dad said two years ago that he saved [-] in this card for me!"

Peng Zhiran frowned and looked at me: "Don't you don't like using his money, don't use it."

I don't like using my dad's money.Over the past few years, I have had less and less contact with my dad. Sometimes it takes two or three months to talk on the phone.I'm used to it.Every time I make a call, the father and son are silent on the phone, and then he always ends with "call me if you want money", and I always say no, I have it myself.

Because I never avoid Peng Zhiran on the phone with my dad, so Peng Zhiran knows that I don't want to take money from my dad at all, so he said that.

But it's different now.In the past, I didn't have any big things to buy. I earned my own money and spent it on my own.But now it's different, I want to buy a house!Although adding the 12 is only 15, it's better than nothing!Maybe if you think of a way, you can have a down payment.You know, I only regret one thing now, why didn’t I remember that I still have such a sum of money before buying this stock, otherwise I would have [-] now!

So while taking Peng Zhiran to the bank to check the accounts, I educated him: "Things should be prioritized. Yes, I don't like to use his money. I know that neither of us likes to reach out to our parents for money, but a man must know how to bend and stretch." , It’s great, we’ll deposit it back after we save the money.”

In the end, I went to the bank to check, and a number popped up on the ATM machine. There were five zeros after a two! ! !

No.80 five posts

Peng Zhiran and I counted the number twice, yes, 200 plus a comma and three 0s.

Me: "20..."

Until Peng Zhiran bumped me with his elbow: "Call your dad quickly, don't make a mistake!"

I just realized it, picked up the phone and called my dad.His side seems to be very noisy, there is a lot of noise on the phone.

I said Dad, didn't you say that there was 20 in the card you gave me last time? I went to check the account today, and there was [-].

My dad said, oh Xiaojia, in the past two years, my dad will send you tens of thousands every year and festival, but it seems that you don’t need any money!How about it, do you want to use the money now?Is this 20 enough?

I stuttered a bit: "Ah, yes, there are some places that need to spend money recently, enough is enough, enough is enough."

My dad still said over there: "It's not enough to tell Dad, Dad has something to do now, so hang up first."

After hanging up the phone, I took out the card and stared blankly at Peng Zhiran: "Peng Zhiran, the down payment... I have it!"

At first, Peng Zhiran was a little concerned about paying the down payment with the money from my father, but I scolded him, and I said that it was a dowry from your father-in-law. If you feel uncomfortable, then every month's pocket money The money is deducted five hundred.Anyway, I must buy a house, and I can’t afford not to buy it!In the end, he agreed to deduct [-] pocket money every month, and the money that was not enough for the down payment would be taken from the money given by my dad.

Two days later, the sales lady saw me and Peng Zhiran again, and asked with a smile: "Mr. Chen, Mr. Peng, have you all considered it?"

We said we had thought it over, and today we are here to sign the contract.

The sales lady was both happy and embarrassed: "Yes, that's great. But you guys are a bit late..."

My heart skipped a beat.

The sales lady said: "The two houses have sold several sets in the past few days. Now the two neighbors who want to buy in the same building may not be able to do it. They can only buy in two buildings separately?"

Both Peng Zhiran and I breathed a sigh of relief. "No, we are buying one set together, not two sets." Peng Zhiran said.

I was a little apprehensive, wondering how the sales lady would react when she heard this.After all, these days, it is rare for people who are not from the same family to jointly buy a flat.

Sure enough, the sales lady was stunned when she heard this, and asked hesitantly, "Well, are you brothers?"

Peng Zhiran smiled: "No. They are friends. We just started working, and we couldn't afford one set alone, so we bought one set together for investment."

The sales lady let out an oh, expressing her admiration: "Investment? You are so good at investing in houses at a young age? Why, do you think houses will go up?"

Peng Zhiran looked around and smiled: "Probably. Our senior brother bought it in the opposite community last year, and it was only three thousand and ninety-nine at that time. You opened the market for four thousand and five thousand. I think the return is higher than saving money in the bank." .”

The sales lady nodded while making a contract: "Did you both write the name of the house?"

Peng Zhiran: "Is it possible? If not, just write about him alone."

"Yes, of course, as long as the two of you discuss on your own how you will contribute the capital and how you will divide it up in the future, if you can, sign an agreement in private, so that you don't have any disputes in the future."

"Then can we get a loan together?" I asked.

The sales lady turned her face from the computer: "This is not allowed. Only one person can apply for a loan. If you want to borrow together, you must provide a proof of immediate family members or a marriage certificate, otherwise the bank can only lend to one person. Of course , As for whether each of you pays half of the loan repayment, the bank doesn't care."

Before I could open my mouth, Peng Zhiran immediately said: "One person, one person, loan in my name."

I wanted to say something, but he stared at me: "Don't interrupt!"

The sales lady was taken aback and smiled.

But the question I want to ask is very important, I just opened my mouth again, Peng Zhiran: "What's your opinion?"

I flattened my mouth: "I have no objection, I just want to ask, if there is only one person to take out the loan, how much can we borrow from the provident fund after we make a down payment of [-]%, and how much should the business loan?"

Peng Zhiran: ...

Finally, the contract was signed and I bought a set on the 48th floor.This community is really selling well. We originally wanted to buy a building on the seventh or eighth floor, but the floor was too low for comfort, too high and too expensive, and the lowest floor was only the 14th floor.The unit price is 2000 yuan, the total price is nearly [-] yuan, and the down payment is more than [-] yuan. The provident fund loan can only be borrowed by a person at most [-] yuan, and the rest are commercial loans, and the monthly repayment is more than [-] yuan.

On the same day, a deposit of [-] yuan was paid and a pre-sale contract was signed.The two split up to find an excuse to go back to get the household registration book. A few days later, they went to pay the down payment, signed a formal purchase contract, and gave all the materials to the real estate company. I couldn't believe it. The house with one bedroom is considered a property jointly invested by me and Peng Zhiran!