Only Feng Xueshan knew what kind of situation everyone had experienced last night. Although it was an overreaction due to a misunderstanding, it was still a bit thrilling. Now seeing Mai Xiaomiao, who seemed to be afraid to admit that she had done something wrong, she was calm and calm. The way the lies came out of his mouth made him laugh again.
Barbie Q’s suggestion is very good. This way, Feng Xueshan doesn’t have to work alone, and everyone can help. However, before preparation, everyone still needs to visit the house bought by Feng Xueshan.
In May 1992, the first personal home purchase loan was issued. However, it was not until May last year that the "Trial Measures for the Administration of Housing Guaranteed Loans" were released and implemented, which can be regarded as providing a legal basis for the mortgage business.
It was only in 1997 that the "Trial Measures for the Management of Personal Housing Guaranteed Loans" were released. The maximum loan ratio was 70% and the maximum term was 20 years. This really motivated everyone. Motivation to buy a house.
That’s why second-hand houses are now sold so cheaply that it’s difficult for everyone to come up with a large sum of cash to trade. This is one of the reasons.
The Shuda Branch where Liu Yushu works is considered to be a bank that started the mortgage pilot very early. It is also because Jinli Group, a major customer, opened an account in the Shuda Branch. There is indeed a need for mutual cooperation between the two in the development and sales of commercial housing and project loans. The head office and provincial branches made such an opening.
As the first to take advantage of the situation, Jinli Group and Shuda Branch also left behind their peers in terms of their respective business development.
In general, mortgage is a troublesome matter, and "remortgage" cases like Feng Xueshan's are even rarer.
“In fact, in coastal special economic zones, these have long been common phenomena.” Zhou Zhi said: “The pace in the mainland is still a little too cautious.”
“But fortunately, it is so cautious that Xue Zhi Shan got a big deal." Zhou Zhi said with a smile: "The piano alone costs tens of thousands of dollars, but the previous owner gave it away with the decoration."
"I don't know why they like foreign countries so much." Mai Xiaomiao said: "Actually, I think China is pretty good."
That's because the people you come into contact with are pretty good, Zhou Zhi thought in his heart, but said it in words But it turned into another rhetoric: "It is mainly due to income. Nowadays, in addition to businessmen in China, the general working class An income of more than 1,000 yuan a month, or 15,000 yuan a year, is considered good.”
“The per capita income in the United States is 24,000 U.S. dollars, plus the exchange rate of 1:7. Worse, it’s 170,000 yuan in RMB.”
“What is the concept of per capita income?” Hu Tianyu was a little confused.
“The per capita income is almost the income that can be obtained from normal ordinary labor.” Zhou Zhi said: “Abroad, just washing dishes, working as a fast food restaurant clerk, or a gas station worker is almost the income you can get, right Xiaomiao?”
"Yes." Mai Xiaomiao nodded: "But if you earn money in the United States, you will also spend it in the United States. Unless you can save money and send it back to the country, you will not be able to enjoy the exchange rate difference."
"Basic life in the United States. Supplies are quite cheap now," Zhou Zhi said, "In addition, the Chinese people are hardworking and hardworking, so most of the people who go out can get a foothold, and then some. You can indeed send some of your savings back.”
“But for people like the former owner of Xueshan’s family who bought the Caotang community and lived a very comfortable life in China, I personally think that if it weren’t for special reasons, it would be really good. There is no need to go out." Zhou Zhi smiled and said, "The decoration of this house, plus furniture, electrical appliances, piano, etc., cost at least more than 100,000 yuan. The total value of the house itself is more than 500,000 yuan. ""Such family conditions are rare in China. They hurriedly changed their minds and went abroad after only half a year. Xueshan and Monk made a big mistake!"
“Is it still possible to raise funds to build a house now?” This house really made Hu Tianyu feel a little like home: “Our group is Can’t we also provide benefits for fund-raising housing? ”
Clover Group’s salary is very high, but it has the brand of a modern enterprise and even some foreign companies, and it has special interests in welfare housing and fund-raising housing. Things with Chinese characteristics were not paid much attention to. Hu Tianyu said this, which reminded Zhou Zhi of the measures taken by Saturday Lady Food Group in Jiachuan.
After making their first pot of gold that year, Auntie and Sister Xiaojuan did not immediately use it to expand production capacity. Instead, they built welfare housing for the employees of the unit, which suddenly improved the cohesion of the entire enterprise. The workers who worked at Saturday's Food Company, a small private enterprise at that time, were able to feel proud and proud in Jiachuan County, and their mood was completely different.
Thinking that in more than ten years, real estate will become a heavy burden on ordinary working-class people, Zhou Zhi felt that Hu Tianyu’s idea was a good one: “We were negligent. This matter should be taken up. We can completely entrust it to Brother Wu and others help us develop A community will be used as a fund-raising welfare house for the unit.”
“In addition, if our employees are unable to obtain mortgage loans from banks due to some qualification issues, we can allocate a fund from within the group to advance the payment. , then fuck me Our group’s internal mortgage has a low interest rate, and we will repay part of it from our employees’ income each month.” Many people have reached the age of buying property and starting a family, Lao Daying Ming, we have solved everyone’s big problem!”
“Then you are great.” Mai Xiaomiao was a little surprised when she heard Zhou Zhi’s understatement: “Even the big companies in the United States are very good. Such benefits are rare. ”
In addition to the taste of the previous owner, this house already has a lot of Feng Xueshan's will. Feng Xueshan once had her own small dormitory in Manzhou. It was very warmly decorated at that time. Now she and Yang He deliberately manage it, and the warm atmosphere is even stronger. .
For example, Feng Xueshan likes flowers, so she puts a lot of them in the room. European colors are relatively simple, so Feng Xueshan uses glassware, tablecloths, sofa cushions, and meticulous paintings on the walls to harmonize the colors in the room. Use their brightness to neutralize the original composure of the interior.
“I bought it casually, I’m afraid it won’t catch your eye.” Seeing Zhou Zhi standing in front of a poppy vase painting at the corner of the living room and dining room, admiring it, Feng Xueshan said, “I’ll tell you. Those collections are incomparable."
"No." Zhou Zhi said with a smile: "Because of Mr. Yuan, I am relatively familiar with the painters at the Capital Art Academy. The author of this painting is Sister Yang from the Capital Art Academy. She is a disciple of Tian Shiguang, and Tian Shiguang is also a disciple of Da Feng Hall. She is very good. "
"If you had told her that you liked her, I would have done it. I’ll give you two paintings. Her flower and bird paintings are quite famous now. She has held exhibitions in Japan and the United States. Xueshan, you are also very discerning in buying paintings.”
"How do I know this?" Feng Xueshan didn't hide it: "Sister Qi took me to Shi Maid's house to buy this. She thought it could make the color tone in the hall lighter. The brushstrokes of this painting are also delicate enough, and the coloring is also I liked it, so I bought it. Two thousand yuan is not a loss, right? "
"Music and art are not separate things." Zhou Zhi said: "Sister Qi's intuition is trustworthy. This painting will probably reach more than 20,000 yuan in five years, so keep it." End of chapter)