Chapter 1451 Scumbag Physique 17
It was a sales office. Seeing the advertisement above, Xining stopped the car and walked in.
There are already some people at the sales office. House prices have risen sharply in the past two years, but since last year, house prices have stopped rising or even dropped. Some owners who have already purchased houses have gone to the developers to make trouble. That's why the sales office is no longer as crowded as before.
A salesperson came up to her. His eyes wandered from the red overalls she was wearing, especially the Chinese logo on the chest. I've never heard of him, but it looks like he's either delivering express or water, but his age and appearance are different.
Anyway, there aren’t many people, so let’s ask: “Are you planning to buy a house?”
Xining asked: "It's posted outside, what does buying a house for 0 yuan mean? Could you please introduce it?"
After hesitating for a moment, the man turned around and shouted: "Xiao Wang, come here."
A young salesman trotted over and said: "You will receive her."
Looking at the salesperson with many pimples on his face and rough skin, he couldn't hide his childishness. Xining was angry and funny. It seemed that he thought she was just here to inquire, so he sent a new person to her.
Xiao Wang began to take her to the sand table and introduce her. Although he pretends to be very sophisticated, he stumbles after just asking two questions. Obviously, they were asked to recite these introductions in advance.
Xining had a rough understanding of the situation. The so-called zero-yuan house purchase meant that if you had a household registration in this city and paid the deposit for more than two years, you could sign a contract first and then buy the house, and then raise the money.
The deposit is 30%, but you only need to pay 20,000 yuan, and the rest is bank loan. Of course, you are welcome to pay more. The more you pay, the less money you will spend on the loan.
After looking at the house types, Xining sat down with Xiao Wang and started talking: "How much is the total payment for that 89-square-meter house with two bedrooms, one living room and a second room? If you only pay a deposit of 20,000 yuan, other loans need to be repaid every month." How much?”
Xiao Wang picked up the computer and started to calculate. While calculating, he wrote on the paper.
Xining was not in a hurry, just holding his cell phone to check something. It happens to be a time when there is less business, and there are also fewer people in the sales office. If it is a weekend, there will definitely be more people and business.
Xiao Wang calculated for more than ten minutes, and after showing it to his superiors, he finally came up with the result.
Including the fine decoration fee, which is 20,001 square meters, plus the floor fee, etc., the total is just over 2 million.
70% loan requires monthly repayment of 9,000.
The down payment is more than 600,000 yuan, and after paying 20,000 yuan, there is still 580,000 yuan. Then a commercial loan is needed. It will be repaid in twenty years, and it will cost more than 4,700 yuan in the first month.
In other words, nearly 14,000 yuan will be repaid in the first month.
Look at this number, and then look at the work clothes the other person is wearing. After hesitating, Xiao Wang said: "How about repaying the principal and interest in equal installments instead of the principal. In this way, the repayment in the first month will only be a little over 11,000."
Xining finished reading the phone at this time and decided. She turned her attention from the mobile phone to Xiao Wang: "16A, this set, get the contract and repay the principal."
Xiao Wang was stunned. After three seconds, he was so happy that he stood up almost jumping and ran all the way to the printing service bar next to him.
Not long after, a voice came from the loudspeaker: "Congratulations on signing the contract with 16A."
When Xiao Wang was counting money, she was not playing with her mobile phone, but checking the status of the project, as well as nearby bus stops, schools, hospitals, markets, and commercial districts; as well as house rents.
The contract was signed and Kali paid a deposit of 30,000 yuan. Of course you can’t pay it all, you still need to leave some money to live on.
Real estate has been cold for more than a year, and house prices are now slightly lower than before. The reduction is not much, only one to two thousand yuan per square meter.
But Xining judged that even if this is a third-tier city and housing prices are relatively high, it will not return to the days when it was less than 10,000 yuan. The rent for a house like this, which is very well decorated, is only 2,500 yuan a month. After all, the price was there, and it was much larger than the mature community in the city center where she lived, with a larger area and the landlord's convenience.
The owner is not a capable person, otherwise if he rents an oversized three-bedroom and two-living room like the landlord did and divided it into six rooms, the monthly rent will change from 5,000 to 9,000.
I chose the principal because it is difficult now, but the monthly repayment amount will gradually decrease. In ten years, it will be reduced from 14,000 per month to 10,110 per month, and the monthly repayments will be less in the future.
It doesn't matter if you have difficulties when you are young, and after ten years, you still don't know how much the currency value of 10,000 yuan will depreciate.
After confirming it, Xining went to the company to issue an income certificate and went to the bank to get cash flow. She has a provident fund, so she can also get a provident fund loan. In this case, she can use the provident fund to make up for it every month. In addition, the provident fund interest is low, and she can pay back three or four thousand less.
At Xining's request, the income certificate was issued at 20,000 yuan.
When he returned to the sales office, Xiao Wang saw that his income proved to be 20,000 yuan, and the bank statements made him have to say something. He looked sad and looked like he was the one who bought the house and repaid the loan: "Except for this month, it is 16,000 yuan. It used to be more than 3,000, but this... even according to the latest calculation, it’s not even 20,000.”
I couldn't help but worry. During the chat, I learned that Xiaowangdu hasn't opened for two months. If there is no order this month, the trial period will not be passed. Unexpectedly, an order came in. If the order failed, he would have to find another job, or go back to his hometown to find a job.
Xining asked Xiao Wang to ask if the bank would approve a commercial loan if his income reaches more than 20,000 yuan next month.
The reply I got was that if the number can really reach more than 20,000 next month, we can consider approval, or it is more likely to be approved.
In that case, roll up your sleeves and do it.
Xining went from working harder every day to becoming a madman in taking orders. I took all the orders I could take, and arranged my time to a full schedule every day.
Starting at nine in the morning, you can go all the way to eight or even eleven in the evening, as long as you have the right order. For no other reason than to buy a house!
It was eleven o'clock again. Xining dragged his exhausted body, opened the door with the key, and walked in. Take the lunch box you bought from the supermarket out of the bag and put it in the microwave.
It's definitely too late to cook the rice. Now she can earn thirty-six yuan just by cooking it, and that takes less than an hour. Of course, compared to cooking, bathing, dressing and massaging, she would choose the latter order. In the same time, she could earn more money.
As he was sitting on the chair next to him, waiting for the microwave to stop, Lin Chen walked out and went to get a can of coffee from the refrigerator: "Hey, long time no see, why are you so busy now?"
"To make money!" Xining smiled weakly.
"Be careful with your health." Lin Chen opened the coffee, thought for a while, leaned against the wall, and took a sip: "Actually, women don't have to be so tired, they just need to find a good man."
"It's better to rely on yourself. Now I also do housework, and I can earn a lot of money. I also do housework at home, and I'm looked down upon if I don't have money." Xining is telling the truth. How many men in this world would think that housewives are Pay is what you pay for.
"Yes!" Lin Chen nodded.
"Ding dong~" The meal is ready.
Xining took out the food and was about to leave when Lin Chen called out to her: "If a man earns more, it will be enough to support the family. How much can you earn every month by doing this?"
"Thirty thousand." Xining took the heated rice and walked into the room.
Thirty thousand... Lin Chen, who was about to drink coffee, was stunned. He raised the coffee to his mouth and forgot to take a sip for a long time.
(End of chapter)