There is no place for poverty in poverty

Author: Guigu Meng

In the evening.

Nan Huaiqiu called, and Nan Yi went to Nan's courtyard.

When they arrived at the courtyard, Nan Yi found a male guest in the living room. Recall that the guest's surname should be Dong. The specific name was unclear. He was a colleague of Nan Huaiqiu's in the same office.

When the former Nanyi was a child, he usually had lunch in the cafeteria of the Second Chemical Plant. Occasionally he would forget to take his meal ticket, so he would go to the office to get it from Nan Huaiqiu. Naturally, when he met other people, Nan Huaiqiu would point and call them, Uncle Dong,

Uncle Li and the like can only be called this way. A little kid is not qualified to let adults introduce himself by his full name.

"Uncle Dong."

"Nanyi, Uncle Dong has not seen you for almost twenty years. In a blink of an eye, you are already in your thirties. You, Uncle Dong, and I have reached the age of retirement."

The Second Chemical Plant is not small, and the family home is not small either. There are several roads in and out. If it is not intentionally blocked, like the former Nanyi, people leave early and come back late, and are away from home every day. Like Nanyi, they don’t go back to the family home very often.

It is difficult to meet people in the factory by chance.

"Uncle Dong, you are not old, you still look very young."

Nan Yi responded with a smile, guessing that Nan Huaiqiu calling him back probably had something to do with Uncle Dong in front of him.

Without waiting for Lao Dong's response, Nan Huaiqiu said to Nan Yi: "Nanyi, your Uncle Dong wants to consult you on something. If you are clear about it, just talk to Uncle Dong."

Hearing this, Nan Yi looked at Old Dong and said, "Uncle Dong, what do you want to ask?"

"Nanyi, it's like this. The three boys in my family who love the Party, support the army, and Jianguo are all unlucky. None of them got a chance to be allocated a house. No, the Party lovers work in the factory and initially lived in the factory's tube building.

, after your family moved out, your father lent your house to the Patriots to live in.

The two boys, Yongjun and Jianguo, both live in houses arranged by their work units. The houses are not divided and can be taken back at any time."

As soon as he heard the words, Nan Yi basically guessed what was going on. Most likely, the Dong family wanted to buy a house, but they couldn't get the money together, so they came to the Nan family to ask for a solution. It was unlikely to be a loan. If it was a loan, Nan Huai

Qiu didn't need to call him over, she could just discuss it directly with Yi Jinru. She probably wanted to get the mortgage loan and use him to gain access to Liu Zhen's back door.

Mortgage loans have been around since 1991. However, just after two years of trial operation, we encountered the problem of overheating of real estate. Mortgage loans, which had not been liberalized in the first place, have shrunk back. Two months ago, the central bank had just issued the "Commercial Bank Automation Regulations".

"Interim Measures for the Administration of Housing Loans" means that housing loans have been liberalized again.

It’s just that the conditions are rather harsh. First, it requires double guarantees, namely mortgage guarantee and guarantee guarantee. Second, the maximum term is only ten years. Third, the borrower must first have a bank deposit of no less than 30% of the house price, and

The deposit period should be more than half a year, which means to avoid temporarily borrowing down payment from outside in order to buy a house.

Among the three requirements, the first one is the most troublesome. It is difficult for an ordinary person to come up with collateral worth 100,000 or more. At the same time, this one is also the simplest. As long as there are acquaintances in the bank, there is room for manipulation.

"My family has been frugal over the years and has saved a little money. If I go to Nanyuan to buy a resettlement house, I can borrow a little from outside to buy three sets of 55 square meters. I have seen the houses and they are not expensive, less than 40 RMB.

square meters.

Living so far away and the house is small, the three daughters-in-law at home are not willing to accept it and want to buy the house in Fangzhuang, so..."

Old Dong looked at Nan Yi with hope on his face, "Nanyi, can you ask your wife to help you go through the formalities and get a loan from the bank?"

Before Old Dong finished speaking, Nan Yi had already thought about what to do. As soon as Old Dong finished speaking, he said: "Uncle Dong, it is not so troublesome to borrow a loan from the bank. The loan interest is still quite high. In this way, you can let

The three eldest brothers went to Fangzhuang to choose a house. When they were finished, they told my mother, who would buy the house first.

Then our two families signed an agreement. The money to buy the house was divided by 120 months. The three eldest brothers would give the money to my mother every month. After the money was settled, the house would be transferred to the three eldest brothers. If it was not settled before, where would

The eldest brother has a new idea and doesn't want the house anymore. That's no problem. He can ask my mother to return the money and we will pretend that we have not signed any agreement."

Nan Yi believes that as long as the house price rises a little, the Dong family will worry about the long nights and dreams. How fierce and powerful Yi Jinru was in the factory in the past will be recalled in the mouths of the Dong family.

I hope to transfer the house as soon as possible, so the money does not need to be advanced for ten years, which is probably only three or four years.

When the old Dong heard the plan given by Nan Yi, he naturally agreed to it. After thanking him repeatedly, he couldn't wait to say goodbye and leave. He wanted to tell his wife, son and daughter-in-law the good news as soon as possible.

As soon as the old Dong left, Nan Yi left Nan Huaiqiu alone in the living room, took the phone to the alley outside the hospital, and called Yi Jinru.

After making the call, Nan Yi stayed in the alley for less than half an hour when he saw Wen Ren Lan Yue and Yi Jinru's cars lining up and driving into the alley. When they got off the car, he told them what had just happened.

People listen.

Yi Jinru exploded as soon as she heard this, "This coffin is so fleshy that it will harm the family's money. I will scratch him to death."

Saying that, Yi Jinru rushed into the yard in a hurry.

"Nanyi, will the house prices become more and more expensive in the future?" Wen Ren Lan Yue said as she watched Yi Jinru leave.

"Sister-in-law, there are few things that are cheaper now than they were ten years ago."

Wenren Lanyue explained: "What I mean is, will the house price be more expensive than the air conditioner at home?"

Every house in the Nan family is equipped with an air conditioner, a Mitsubishi one purchased from Jingxi Tesco. The normal retail price of one unit is more than 14,000.

"Sister-in-law, have you watched "The Romance of the Three Kingdoms" last year?"

"Watch it every day."

Nan Yi nodded, "Then you are familiar with the official position of Zhou Mu, right?"

"Um."

"There is a saying in Zhou Rites that 'those who have meritorious deeds will be appointed as governors and are called shepherds'. This is where the official position of state shepherds comes from. Shepherds can be a verb, which means herding livestock, or it can be a noun, which is

Refers to a person who herds livestock.

In ancient times, the people were like cattle and sheep, and the state pastoral management of the people was to herd the king. As long as the cattle and sheep did not run away or cause chaos, they were qualified officials.

In our five thousand years of history, there are two reasons for the change of dynasties. One is the invasion of foreign enemies, and the other is famine. As long as the farmers are hungry, they will rise up. Therefore, no matter how the court exploits the farmers in the past dynasties, there will be

A red line that cannot be crossed - the food and clothing of farmers.

In the Northern Song Dynasty, there was a famous poet who was also an unscrupulous official. His name was Su Shi, and everyone used to call him Su Dongpo. He had a salary as an official, and he wrote good poems. Many people liked him and admired him.

, the lyrics collection he wrote is similar to the records of popular singers today, and they don’t sell very well.

But despite this, he was unable to buy a house in Kaifeng Prefecture in his entire life. As a last resort, he could only invest in a few small houses in small counties in other provinces.

Later, his eldest son Su Guo held a wedding in Kaifeng Mansion, but he failed to get a wedding room. Su Dongpo became anxious and cursed, "I wrote Shui Tiao Ge Tou and invented Dongpo Pork, but I actually

There's no room.'

Compared with Su Dongpo, his younger brother Su Che had a higher official position. He worked conscientiously and diligently. After decades of service, he finally bought a house when he was seventy years old. However, the house was not in Kaifeng Mansion, but in Kaifeng Mansion.

In the neighboring county town, compared to the capital city, it is almost as if he bought his house in Miyun.

For this matter, Su Che also wrote a crooked poem, which started like this - Poor boy, my hair is all white, but I still can't afford a house. Is there any justice? (My hair is half white, all over the world.

No rafters)”

Wenren Lanyue smiled knowingly when she heard the word "Plagued Duzi".

"In the Tang Dynasty, which was earlier than the Northern Song Dynasty, there was a man named Bai Juyi. His first official position at that time was as a school clerk. In today's terms, he was proofreading red-headed documents in the General Office of the Central Committee. Bai Qingtian's position was not too high, but his salary was

Not low, equivalent to today’s RMB, it’s about 5,000 a month.

Although Bai Qingtian's salary is so high, he can't afford to buy a house in Chang'an. He can only rent four thatched huts in Changle, the eastern suburbs. The rent in the city center is too high and he can't afford it, so he is very free.

Buying a BMW is equivalent to buying a car as a means of transportation.

Bai Qingtian only hired two servants to take care of his food, clothing, and daily life. His monthly expenses were about one thousand sixty-seven. He refused to rent a good house in the city center at a high price, so he saved the remaining three thousand and thirty-four and devoted himself to it.

He wanted to buy an apartment in the city center, but after saving for twenty years, he still couldn't afford it.

Bai Qingtian is known as the Poetry Demon. He writes pretty good poems, but he doesn’t understand economics or inflation, and he has never been able to afford a house. Bai Qingtian was anxious, but he was well-educated and didn’t scold his mother.

I just wrote a crooked poem "Divination". When I was alone at night, I would hum it under the moonlight with tears in my eyes: I want to have a home, a place that doesn't need to be big..."

Hearing Nan Yi's humming, Wen Ren Lan Yue covered her mouth and couldn't help laughing.

"From ancient times to the present, house prices have never been cheap in Kyoto. We used to enjoy welfare housing allocation, but now the word "commodity" is added in front of the house, so it is a commodity. As long as it is a commodity, it has its inherent laws.

What determines the price of a product?

value?

No, only supply and demand can determine the price of a commodity.

Commercial housing in a core city is sufficiently scarce. Sister-in-law, I assume you are an office worker working in Shichahai. Even if you have seven or eight houses with an area of ​​more than 100 square meters in Yangcheng, they still cannot replace you.

I want to live within the urban area of ​​Beijing.

Regardless of whether you rent, share a house or buy a house, as long as you work in Shichahai, it must be within the suburbs. Assuming that you do not earn enough to buy a house, you need to rent a house to solve your work problem. The length of commuting time and

The quality of living depends on the rent you are willing to pay.

Assuming you have enough money to buy a house, I believe you will be more willing to buy a commercial house of your own, because you can have the property rights of the house and the income from the appreciation of the house price. The size, quality, and distance of the house from your place of work depend on you.

The funds in hand and your future income expectations.

What I said above is just considering your personal factors, sister-in-law, if..."

Nan Yi paused and asked, "Sister-in-law, when are you and your eldest brother going to have a baby?"

Wenren Lanyue didn't look worried and said openly: "We have discussed it and plan to get pregnant in the middle of next year."

"Oh, when your little nephew reaches the age of studying in the future, sister-in-law, you definitely want him to go to a better school. Each school has its own admissions area. For an ordinary office worker, if you want your child to go to the school of your choice,

For schools, you can only buy a house within the school's enrollment area.

A good primary school in Beijing, or a middle school, can be said to be more or less. You can point it out with one hand. In such a big city, there are so many parents who pay attention to their children's education. Parents who have the ability to exert their efforts are like crucian carp crossing the river. This is

This will cause houses near good schools to be more scarce.
Chapter completed!