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Text Chapter 49: Buying a house with a mortgage and becoming a house slave

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    Chapter 49

    1. Buy a house with a mortgage and become a house slave

    "Xiaoming, my mother is right, it is much more convenient to own a house." Yulan thought of many ways to deal with the house that day, but in the end she didn't have enough money on hand to do it.

    Xiaoming has been settling accounts since that day. Even if he buys a 90-square-meter house with two styles and one living room, it will cost 500,000 yuan based on the current price of 5,500 yuan, and the mortgage down payment will also cost 150,000 to 60,000 yuan:  "I only have more than 40,000 yuan on hand now, which is not even enough for the down payment."

    "What should I do?" Yulan suddenly thought of her home: "Xiaoming, do you think this is okay? I'll go to my dad to borrow 50,000 yuan, plus the 20,000 yuan I have on hand, it will be 70,000 yuan. In addition, you can go to your mother to borrow 50,000 yuan.  Our down payment is enough. Xiaoming, put down your dignity this time and ask your mother to find a solution."

    ¡°Do I have to buy a house?¡± When Xiaoming heard that he had borrowed money from his mother, he immediately backed down.

    "Of course I have to buy it! If I don't buy it now, I won't be able to afford it in the future. The price of a house is just like buying vegetables at the wet market. We are tight on money now and can't come up with much money at once. I don't feel comfortable borrowing your mother's money."  . Xiaoming, maybe we buy a house now, and we may not make a lot of money in a year or two." Yulan doesn't know where the house prices will rise. She only thinks that the house prices will not fall, and the price will rise every day.  unusual.

    The most troublesome things in modern society are houses, cars, children, and money. Whether you are a newly graduated college student, a corporate employee, an ordinary worker, or people from all walks of life, you have been busy with these four things your whole life.  Lucky people may get these soon, but unlucky people will be busy all their lives and end up with nothing.  Nowadays, female college students are vying to be the "mistresses" of the rich, and the "lover" society is developing in the opposite direction. It is not surprising that the shadow of the 1930s appears in the new era of reform and opening up.  Are today's female college students forced by the pressure of life or pursuing luxury?  Is it difficult to find a job or is it the pursuit of sexual liberation?  Some female college students thought that "Xi'er" didn't marry Huang Shifan, but she made a surprising statement: If you want to marry, just marry Huang Shiren, Huang Shiren is rich; if you like Dachun, let Dachun be your lover.  There was even a female college student who made an astonishing statement: She would rather cry on a BMW than laugh on a bicycle, a popular saying of the times.

    This shows that today¡¯s commodity society is indeed a powerful stimulant, stimulating the values ????of a new generation, challenging the traditional surreal view that a young girl should not marry a grown man, and a good girl should not be married to a married couple.  There is a saying circulating in society. No matter how ugly and immoral this statement is, the strange phenomenon of "laughing at the poor but not at the prostitutes" still exists in society.  Moreover, in some places, it is becoming a way to get rich. Climbing, finding wealth, and marrying rich have become the physical wealth of women in the second half of their bodies.

    Guo Xiaoming didn¡¯t say anything. When he got home, he borrowed 20,000 yuan from his mother and 30,000 yuan from his sister Guo Xiaoqin.  Wang Xiuying asked Guo Xiaoming to write an IOU for the 20,000 yuan and promised to pay it back in one year. In addition, he had 40,000 yuan on hand, totaling more than 90,000 yuan.  Yulan also borrowed 50,000 yuan from her father, adding more than 20,000 yuan herself, the total was more than 70,000 yuan.  The down payment for buying a house was collected, which surprised and delighted Yulan and Xiaoming. The surprise was that they became house slaves from then on, but the joy was that they had collected the down payment of 160,000 yuan for the mortgage in a short period of time.  .

    "Yulan, this is our life money. I leave it to you for safekeeping." Xiaoming handed the bankbook to Yulan, feeling empty in his heart.  Whether it was pressure or whether the debtor was not used to carrying debt, he couldn't tell for the moment.

    "I saw a real estate project yesterday. The average price was about 5,000, and the environment is good." Yulan is now planning to find a better location. The community environment is good and there is a lot of room for value-added. It is best to open the first phase.

    "Leave it to you to take care of it. I'm getting dizzy when I see how much money I have to spend. You can buy it wherever you like. I don't have any objections." Xiaoming was exhausted from buying a house.  I will never make a lot of money back in my lifetime, and I will never think about this tormenting and annoying thing again.

    "What if you are not satisfied with the position I choose?" Yulan asked.

    "No. Just choose according to your idea. The location is good, the environment is good, the value-added space is large, and the first phase is open. You can tell at a glance that he is an old real estate speculator." Xiaoming laughed, but when he saw Yulan's satisfied expression, he  It is to laugh out of tears and shake one's head in admonishment.

    Next, Yulan and Xiaoming traveled through the east, west, north and south of the city like a marathon, looking for the ideal real estate in their minds.  First, we took the sales car to see the sample house of the sales department, listened to the sales lady's introduction to the housing situation and the price of the existing house, and calculated the total house price and monthly payment for 20 years. The scene was very lively, with a huge crowd of people queuing up to receive the discount.  Reservation card.  Some properties offer color TVs, refrigerators, decoration materials, wooden floors, and wallpapers when purchasing a house. In short, they are so diverse and dazzling that Yulan and Xiaoming are exhausted after carrying several bags of hardcover promotional materials for the purchase of a house.  How is buying a house here? It's just collecting garbage. Everywhere the sales lady goes, she has to give two big paper bags.Transmit information.

    After two days, Yulan and Xiaoming investigated more than a dozen housing sales offices, and finally settled on a housing sales department in the south of Jingxi Avenue.  This developer is a top real estate company that has just moved from first-tier cities to second-tier cities to build a high-end brand.  This location is in line with Yulan¡¯s investment ideas. The location is very good, the community environment is beautiful, the space for value-added is large, and the first-phase building is optimistic about the future value-added potential.

    The sales department is large and beautiful, with a red carpet and a large sand table with twinkling lights. Every home buyer is greeted by a sales lady who is enthusiastic and elegant, and explains the situation in a communicative manner.

    "Miss, sir, ours is the best real estate in the city. The environment is superior. There is an artificial lake in the community. It faces the Jialing River. The scenery is beautiful and the living environment is quiet." Miss Wu wore a dark basket-colored uniform for the sales department, which was generous.  , highly professional, she held the housing information in one hand and the calculator in the other hand, and introduced Yulan and Xiaoming to the negotiation room.

    "Ms. Wu, how much does your existing house cost per square meter?" Yulan is most concerned about the price. She can consider it within 5,000 per square meter.

    "We have finely decorated houses here, which cost about 5,780 per square meter." Ms. Wu grabbed a customer and tried her best to sell the house. At the same time, she wanted to use up the rights of the developer to the salesperson. At the critical moment  Time will be used wisely.

    "It's the sample room I just looked at. Is it decorated?" Yulan asked.

    "Yes. Our decoration costs 1,200 yuan per square meter, with first-class environmentally friendly materials, large basket doors and windows, and high-end kitchen equipment." Ms. Wu explained every issue professionally and thoroughly, making the homebuyers feel refreshed and not tempted.  Will be tempted.

    "How much is your property management fee per square meter?" Yulan calculated in her mind, fine decoration, 5,780 yuan, minus 1,200 decoration fees, which means the first 4,500 yuan per square meter.  Within the budget price range.

    Xiaoming didn¡¯t say anything, just listening to the sales lady¡¯s introduction to everyone she met.

    "Our property fee is one yuan and forty cents per square meter per month. We have people on duty 24 hours a day. The computer room control room is monitored by electronic eyes. There are also electronic identifiers. Security is the best management of high-end real estate in the city." Ms. Wu's work class  More than half of the process is done, and now it¡¯s up to the lady and gentleman to see their intention and decision to buy a house.

    ¡°We¡¯ll discuss it before making a decision. Okay?¡±

    "OK."

    The sales lady prayed silently in her heart, hoping that this apartment could be sold!

    After Yulan and Xiaoming discussed it, they came to a common decision - to place an order.  So, five minutes later, they returned to the negotiation room and signed a mortgage purchase contract with Ms. Wu.  They paid for the property for 20 years with a down payment of 160,000 yuan, a monthly payment of 2,630 yuan, a selling price of 5,700 yuan per square meter, and a total contract payment of 510,000 yuan.  Indeed, Yulan's hanging heart finally settled down, and the biggest thing in life was finalized so quickly.  But Xiaoming is the debtor and cannot be happy.

    ;
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