Chapter 69 The End of the World and Card Drawing 9
Linlang nodded and said, "Yes, I think so too."
Then Zhang's father and Zhang's mother came to the county seat to take a look My daughter bought a new house, and then she discovered that the new house her daughter bought was excellent, brand new, and it also had an elevator room. Like the house I rented before, it was a staircase house or a fifth floor. For a house like that, it was because of my daughter’s mentality that she didn’t want to move that Landlord Cai took advantage of it for so long. Otherwise, who would rent it at such a high price? A house without an elevator costs so much money a month. After all, houses are now cheap.
Even better than the house my daughter bought before.
At that time, the daughter bought her own house because she didn’t have enough money, so she bought it in a remote place, one kilometer beyond the city center. Obviously, her ex-husband’s family didn’t have much money, so they bought it in a remote place. If you buy it in a more remote community, it only costs 500,000 to 600,000 yuan. Therefore, the house price in the small county town was ridiculously expensive before - and it was also a step-ladder house.
But now, Linlang's newly bought house is less than one kilometer away from the city center. It has an elevator room and is brand new. It is much newer than the second-hand house she bought before. It is good in every aspect, so she sees her eldest daughter having another baby. The house was still such a good house, and Zhang's father and mother couldn't help but be happy for Linlang.
At that moment, Linlang called her original sister, brother-in-law and others, and the family had a meal together to warm up the new house.
According to the rules of the older generation, you have to choose a good day to move into a new house. Fortunately, the day Linlang moved, the day was not bad, so Zhang’s father did not blame Linlang for moving too fast, otherwise, I’m afraid, It's strange because Zhang's father believed this.
After the original sister came, she sighed and said, "Oh, if I had known that housing prices would fall all the way, I shouldn't have bought a house the year before last, and now it has dropped like this."
Original My sister who is pregnant and my husband are both in a stable position. , with high income and high provident fund. When I got rich, I wanted to invest, but big cities had purchase restrictions, so I could only buy locally. Seeing the slight drop in house prices at that time, I thought that the drought would not last, and when things got better, house prices would rise back up. This way If they buy when it falls, don’t they make a profit? So I bought a two-bedroom apartment in the center of the county.
Since it was a house in the center of the county, it was naturally the most expensive house, costing one million at the time.
Now the house in the center of the county costs 200,000 yuan for a three-bedroom house, and only 150,000 yuan for a two-bedroom house. Even though their mortgage is not repaid with money, but covered with provident funds, it is almost equivalent to no money. Money also makes the original sister feel very bad when looking at the current housing prices. After all, since it is an investment, she wants to make money, not lose money.
Seeing that his little daughter was distressed, Father Zhang said: "Just sell it and forget it. If you lose, you will lose. I see people selling houses everywhere. If you keep it, don't sell it in the future. Then you won't be able to sell it." Okay."
Linlang thought, her sister has two children at home, so she can keep the house and give it to each of the two children in the future. No matter how expensive it is, it is a house in the center of the county where people can always live.
But she didn't say this because she was afraid that if she did, Sister Zhang really didn't sell it and she would regret it in the future, and she would have to blame herself.
Fortunately, Sister Zhang didn’t want to sell it, so she immediately heard Sister Zhang say: “If I sell it, the money won’t be enough for the loan, and I’ll have to pay off the loan by then. If I don’t sell it, I’ll spend the provident fund money. , At least we don’t have to pay for it anymore, so we thought about it and let’s just keep taking it.”
In fact, it’s a loss on both sides. After all, the provident fund is our own money, right? It's just that they really don't want to sell the house, make no money, and have to use their cash to repay the loan, which would make it even worse. At least they are using the provident fund to repay the loan, and it feels like they are not spending their own money.
What Sister Zhang said made sense, so Father Zhang stopped trying to persuade her. After all, he was from the countryside and didn’t know much about provident funds. Only Zhang's mother said: "Actually, you are a little better. I heard that your aunt's two sons are planning to repay the loan in advance to avoid too much interest and too much loss. How can we have money when they borrow money from us that day? , I couldn’t even bear to buy a pound of meat with the little money I had. I wanted to keep it for emergencies, so I returned it to them, fearing that they would ask you to borrow it again. Money.”
Linlang knew that the two sons of the original aunt’s family were the best on the original father’s side. I heard that they bought several houses in the provincial capital. To buy a house, when we got together every year during the holidays, everyone used to flatter them and praise them for their ability. Even in the provincial capital, one family can buy three houses.
However, now, the three houses bought with loans have deeply trapped them.
Their first house was basically bought when they first went to the provincial capital to work, and the mortgage has been paid off long ago.
But the second and third houses were bought a few years after they got married. At that time, housing prices in the provincial capital were rising. They were optimistic about the rise, so they bought two houses in succession, each costing 100 yuan. About half a million, one about two million. Obviously, they must not have paid off the loans for these two houses. After all, although they have good jobs, their annual income is only about 200,000. How can they pay back the two houses in just a few years? Clean loan.
You must know that in order to be able to repay the loans for two houses, they stretched their fronts. One loan lasted for thirty years, and the interest was exorbitant.
Now that house prices have fallen to the floor, it is normal for them to choose to repay their loans early if they want to reduce losses.
However, they don’t have any money. If they want to borrow money from relatives and friends, it will be very difficult, because relatives and friends are not willing to lend them a large amount of money. After all, prices are soaring now. If you borrow 10,000 yuan from someone, it will You may be able to buy a hundred of something, but when you return it, you may only be able to buy ten, which has devalued by 90%. This is terrible. Who is willing to borrow money?
Of course, the main reason is that when they were rich before, they only knew how to show off in front of their relatives. In the past, when those relatives in their hometown needed money, no one could borrow money from them, so now they When you need money and ask others to borrow money, who will be willing to lend it to them?
People, help is mutual. If you only ask for help from others, you will be unhappy when others ask you for help. You feel that others are taking advantage of you and do not help. In the end, when you need When you ask others for help, others will not help you.
In the original world, the original person’s two cousins from his aunt’s family also borrowed money from the original person. Fortunately, when the original person bought a house, he asked them to borrow money, but neither of them wanted to borrow money. They said they also She was about to buy a house and had no money to borrow, so Yuan Shen thought at that time that she would not help these two people when they asked her for help in the future.
Although the two cousins were doing well at that time, they might never ask the original person to borrow money, and the original person's idea would not be realized, but the original person did think that way at the time.
Unexpectedly, this idea would happen a few years later. It would be ridiculous for two very wealthy cousins to actually ask the original person to borrow money.
Because there were things that happened back then, the original person naturally refused openly and openly.
(End of this chapter)