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Part 1 Chapter 1552 Ye Yiren¡¯s story of buying a house

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    "10,000 yuan This is pre-tax income, right?" "No, it's after-tax." "10,000 yuan after tax! Oh my God, your store manager can't get this amount, right?" Regarding Ye Yiren's high  The old man was a little surprised by the income. This income was considered high 30 years ago. It is very appropriate to use the lost 30 years to describe the Greater China economy since 1985. Due to the continuous decline of the working population and the reduction of the total population, the entire  The empire's economy has been plagued by deflation and sluggish growth, so that people's income levels have fallen instead of increasing over the past 30 years.  Of course, considering that prices and housing prices are also falling simultaneously, the living standards of the people of Greater China are actually pretty good, especially for young single women like Ye Yiren.  Even if you rent a house by yourself, you can live very comfortably with an income of 2,000 yuan per month.  Generally speaking, these young women aim to become housewives and will quit the workplace after the age of 30. Therefore, they will not consider promotions and salary increases. Naturally, they do not need to work overtime to pretend to be diligent, as long as they arrive on time and leave on time.  No boss or manager will take the initiative to ask female employees at the grassroots level to work overtime. This is not in line with the current corporate culture of the Greater China Empire, and is prone to criticism and difficulty from labor unions.  So these young women have plenty of time and enough money to enjoy life, and little motivation to work hard.  Of course, in the eyes of Ye Yiren, who is accustomed to struggle and hard work, such a negative attitude towards life makes daily life a waste of life - but in the eyes of Zhu Jishi, who comes from a small and medium-sized city in the mountains.  Ye Yiren is also a girl who doesn¡¯t know how to make progress!  "Do you need money very much? Are there any difficulties at home?" the veteran trade union cadre asked with concern.  "If there are difficulties, the union can provide some help." The union leaders in this time and space are not appointed by the above but elected by labor votes, so union cadres are generally hypocritical.  They will pretend to speak for workers, care about their income, and organize various strikes and protests to benefit workers. By the way, workers in Ming Dynasty now have the right to vote, because they pay a tax of 10 yuan per year for the right to vote.  (This does not only refer to income tax, but also consumption tax and property tax. According to the 8% consumption tax standard of this era. You only need to purchase 125 yuan of goods to meet the requirement.) The standard has never been raised, so now the political map of the Ming Empire has become the same as that of the previous era.  Things were very different a hundred years ago.  The Conservative Party (formed by the merger of the Jishi Youth Party and the Donglin Party) and the Socialist Party took turns in power.  As soon as I heard "home".  Ye Yiren's eye circles were a little red, because she no longer had a home, so she really wanted a home of her own, even if it was just her "I want to buy a house. So I need money." Ye Yiren looked at it  I am not the kind of girl who would put the responsibility of buying a house on a boy.  "Ah! Buy a house?! Did I hear it correctly? There are still young people working hard for a house now?" The old man stared at Ye Yiren again and again with wide eyes, and finally sighed, "Listening to what you said, it seems that  It goes back to when I was young forty years ago. At that time, land and housing prices in Shanghai skyrocketed, seven to eight times more expensive than they are now. The supply of townhouses exceeded demand. You had to draw lots to buy one, and you often had to wait in line for 10 years.  Buy it. Because of the house matter, the Socialist Party also organized workers to take to the streets to protest. The conservative government was overthrown by no-confidence motions several times. His Majesty the Emperor demolished all the palaces in Pudong and built terraced houses But now that I think about it,  It was a good time. So many young people came to Shanghai from all over the city. Construction sites were everywhere, and houses were being built and sold everywhere. The economy was really prosperous, but now there are no 200,000 to 300,000 houses available in Shanghai every year.  There is no one to live in!" "Twenty to three hundred thousand houses are vacant every year?" Ye Yiren was stunned for a moment, and then he understood that it was because of the decrease in population.  Although there is a supplement of foreign population.  However, Shanghai Prefecture still fell into the quagmire of declining population a few years ago, with a decrease of about 200,000 people every year.  There are also a large number of elderly people living in nursing homes.  As a result, a large number of residences were vacated.  In fact, the situation in Shanghai is not bad. After all, it is the economic center of Greater China. What is really bad is the more remote counties. In many counties, young people seem to have disappeared, and the world is dominated by the elderly.  Some counties have simply been abandoned and become empty cities because they have no population or too small a population Due to decades of "low birthrate" and prolonged life expectancy, the population crisis faced by the countries in Greater China is more serious than the apparent population reduction figures.  Much more.  Although there are still 2.41 billion people today, there are far fewer young people among them than in the Great Chinese Empire in 1900!  The dying elderly are not only not the demand side of the housing market, but also the potential supply side.  When there are more elderly people dying in a city than babies being born and the influx of immigrants, the real estate market will naturally be sluggish for a long time, and the long-term sluggishness of the real estate market will in turn suppress people's willingness to buy houses. In short, nowEven the gods can¡¯t think of a way to save the property market in Shanghai in the Ming Empire.  The headquarters building of the Southern Zhili Provincial Townhouse Company is now the only townhouse sales point in the entire Shanghai metropolitan area.  Located on Anyuan Road near Guangfu Road, it is a 24-story office building built in 1975, which was the most prosperous and prosperous era of the Greater China Empire.  Shanghai, the economic and financial center of the Great Chinese Empire, seems to be drowned in money. Just look at the wealth and style of this building to know the grand occasion here.  The lobby on the first floor of the building is the largest lobby Ye Yiren has ever seen in two time and space. The marble floor is equipped with stainless steel railings, which are obviously used for people to queue up.  Ye Yiren estimates that up to several thousand people can queue up here at the same time.  But now, the entire hall is empty, and there is no one except Ye Yiren Oh, there are no citizens who come to buy townhouses. There are still a few staff members, needless to say, they are all gray-haired.  Old man.  The Southern Zhili Provincial Townhouse Company was definitely a workplace that everyone wanted to squeeze in 40 years ago, with high wages, good benefits, and plenty of money.  It¡¯s also decent to say it out loud.  But now this place is already a state-owned company like a nursing home, lifeless and without any vitality.  I don¡¯t know how many years it has been since we recruited a young person.  Ye Yiren glanced at several elderly people sitting drowsily behind the iron fence. The youngest one looked over 70 years old.  Scenes like this have become commonplace in Ye Yiren's eyes. Unlike another time and space where they were still arguing about extending the retirement age, the legal retirement age in this time and space was extended to 65 30 years ago - the same for men and women.  Although most women in this time and space do not work and do not need to pay pensions, after reaching the legal retirement age.  They can still receive a pension, as long as they have a pension-contributing husband.  oh.  If she is a junior wife, her husband will need to pay additional special pension.  In addition, the people in this time and space are more reasonable than in another time and space, and the decision to extend the statutory retirement age did not attract long-term criticism on the Internet.  The people just used their votes very rationally to oust the ruling conservative party who proposed this plan at the time, ushering in the 20-year socialist era But 65 is only the legal retirement age.  Because the working population continues to shrink, the governments of Greater China now encourage retirees to continue working while receiving pensions. Therefore, the white-headed man who is still working for a mixed salary has become a special sight in the cities of Greater China.  Ye Yiren walked along the stainless steel fence to one of the counters.  "Madam, you are" The old man sitting at the counter had already noticed Ye Yiren.  "Is this the townhouse application office?" Ye Yiren asked with some confusion.  "Yes, yes!" the old man replied with a smile.  "Then why are there no customers?" Yi Ren looked around and saw that there was only one customer in the empty hall, herself.  "There are no customerswell, it's not like there aren't any. We have sold 9 row houses today." The old man replied seriously.  If you add Ye Yiren, it will be 10 sets.  It is estimated that there will be a few more sales in the afternoon, and it is entirely possible to sell 15 to 20 units throughout the day!  How can such a good business say there are no customers?  "Oh, 9 sets have been sold." Ye Yixin said.  It's not bad compared to the sales offices everywhere in another time and space, but the pomp here "Madam, do you want to buy a house or sell a house?" "Selling a house? Can it still be sold?" Ye Yiren asked,  At the same time, he took out the application documents, passport, social security card and labor card that he had prepared and handed them to the other party.  "Of course, where else can we get a house for sale? It has been 10 years since we built a new townhouse." The old man took out his reading glasses and looked at the application documents.  While patiently explaining to Ye Yiren, "And the housing prices are so low now. The townhouse company's repurchase of some old townhouses is also a way to support the market." The old man picked up the information without carefully reading the information Ye Yiren submitted.  The stamp said "permission".  Then he pointed to a row of tables with old-fashioned computers on the other side of the hall, and said to Ye Yiren: "Madam, you can choose the property you like through the computer there. The area, decoration, and location of each property are different.  , the prices are also different. There are more than 200,000 units in the Shanghai metropolitan area, the most expensive is more than 300,000, and the cheapest is less than 60,000. You can choose what you want. If you choose, we will arrange a specialist.  I will send you to see the houses, which are all ready-made houses that you can get immediately after paying the money." "Old sir, what about the mortgage? I don't have that much cash now" Ye Yiren has been working like crazy for 4 months now.  , I saved 35,000 Chinese yuan, but I couldn¡¯t even afford the cheapest house.  "Mortgage?" The old man was stunned, turned to ask a colleague who was reading next to him,"Lao Yu, what should we do about the mortgage now?" "What mortgage? Lao Zhang, are you dreaming? Banks stopped offering mortgages 10 years ago You thought it was when house prices were high when we were young?  "What should I do if she doesn't have that much cash?" "Overdraft with the bank!" The old man surnamed Yu shouted to Ye Yiren, "Miss, you have a job, right? You should know that your salary card can be overdrafted, right?"  The overdraft limit will be based on your average after-tax income in the previous three months multiplied by 24. "Oh, it turns out that in this time and space in Greater China, you don't need a mortgage to buy a house, just a credit card (To be continued)  .  
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