A friend's account of buying a house
What about this friend of mine, who has a good relationship with me, so I just learned about the scenes when he bought a house, and I think that he is different from others, so I will write some words to commemorate his personality. Pen @ fun @ pavilion wWw. biqUgE。 info Buying a house is now a fashion, not to mention that now the first thing to find a partner is to have a house, or you can't find a suitable object, maybe I'm a bit exaggerated when I say this, but it can only show the difficulty of finding a partner, the ratio of men and women is seriously out of balance, so it is very difficult for men to find a partner, of course, it can't be said that sometimes, excellent men still have nothing to do, the impact is not big, but those who don't have any real strength, and those who don't have their own characteristics are really difficult to find a partner。
This boy bought a house in order to find a girlfriend, but their family has been saving money just so that he can find a suitable object, and now people are still quite picky, ordinary girls, he doesn't think it's very suitable, or like to find a little level of people, but what about those who have levels? Sometimes you may not be able to look at him, because of him, the personality is still good, it should be said that it is a warm man, or Zhu Bajie type, there was a period of time when the character of Zhu Bajie was very popular with everyone, why? Because Zhu Bajie has his own personality, that is, the biggest advantage is that he is very family-oriented, no matter what kind of woman follows him, he will feel that he is very considerate, the biggest feature of this boy is that he is very family-oriented, but what about other projects? It's just that he can't support his family, he doesn't know if it's the pampering of his family or other reasons, maybe it's the good baby in the family, maybe it's other reasons, in short, it's difficult to even find a job, but he's also not a good person, at least with the help of his family, he went to high school, he went to college, and he still can't find a job, I really don't know what will happen to such a person, why did I find a few girlfriends, and then there was no ending? The reason is one, that is, everyone thinks that he has no strength, and he is very warm with him, but there is no life security, besides, our concept here may be a little backward, women do not have to rely on men, they can make money, they can support their families, but the key is that such a man is still not as good as his wishes.
He listened to the woman's words, that time he found a girlfriend, still a very good girl, he felt that he was lucky, so in order to decorate himself, he bought a house with the support of his family, the day he bought the house, the weather was gloomy, but it still did not rain, this is a good weather, at least there is no rain, people, or be content, don't feel that cloudy days will affect their mood, in fact, it is better than rainy days, for people who walk. He is also the same as others, asking around where there is a house, where to go to see the house, or in a lot of houses there for a long time, of course, at this time, there are a lot of sales department calls, that is, for promotion, he is also a very interesting person, his father with him, every time his father receives that kind of promotional call, maybe he is old, embarrassed to refuse others directly, and said that he does need a house, or do not want to say so absolutely, his father every time he receives a call from the sales department, in fact, he does not know that it is the real estate company, but he picks up the phone"I'm on my way to see the property. That's what I say every time, so sometimes the sales guy waits 15 or 20 minutes and then calls again and asks, "Where are you going?" Sometimes, after a few phone calls, they walk slowly down the street, and the key is that the people in the sales department are in a hurry, so they sometimes say directly: "Where are you? I'll send a car to pick you up." At this time, he would tell his father, "If you don't go to people to see the house, don't tell them that you are on the way, because they will really think that you are on the way and will not think that you are politely rejecting them." When he said it, he really amused his father, and his father said it like this, and it didn't take much effort, and he didn't want to directly refuse others or anything like that, and at that time he felt that he was still an older person who was thoughtful, but he still didn't understand, and he still hoped that his father would be more simple.
But such a farmer, he dared to take advantage of others, he never dared to agree to the sales department to pick up himself, because the sales department of the people is what intentions he still does not know, only he took the initiative to see the house, after seeing a few houses, or feel that the price is not too expensive, or the price is cheap and they don't like the location, after looking at a few houses, some second-hand houses, they always think that these will be discounted, sometimes they still see the listing information in the newspaper, but some second-hand houses are still quite expensive, not cheaper than new houses!
I was tired and sleepy, so I ate a fried spicy strip in a small restaurant to solve the problem of food and clothing, and then I was tired, and I felt that in fact, the house was actually like that, in fact, it was like to buy a house according to the woman's wishes, and where to buy the house was completely up to the woman. In fact, there is a house is still good, but the owner of the house did not have time to take them to see the house, so they had to give up, and finally saw a house that they all liked, that is, the house of the happy community, there are not many houses, just a few houses, the community is not very large, it is also built in a not very prosperous place, there are not many people, or a place close to the water, I don't know what's going on, or the mountains and rivers are very expensive, they fell in love with the layout of this house, or the layout of this house, or there are other structural structures and conditions。
When I bought a house, of course, it took a lot of twists and turns, because my friend, he, when he bought the house, the money was paid first, and the house was settled, and there was no problem with that.
After the friend paid the deposit, because he didn't have a job, the bank loan couldn't be processed, so he had to go out to find a job, after finding a job, he did it for half a year, and after doing half a year's flow, he went to the bank again to apply for a loan, which is the bank's regulations, and it is also the real estate agent's regulations, because they are afraid that you don't have a job, which will affect your repayment process, what about this friend? Half a year later, the agreed time came, but he didn't show up, he thought so, if you want to apply for a loan, you have to pay all the fees such as property fees, so at this time he hesitated, or hope to delay a little longer, and then apply for a loan when he really needs a house, in fact, I don't think the property fee is much? A month, the community should be more than 30 yuan, a year is more than 300, but this friend of mine, this time is so thrifty, so know how to save money, buy a house so much money has been handed over to the real estate company, but now he is saving such a small part of the money, no matter how the real estate company urges him to go through the procedures, he doesn't care, but when he remembers, it has been a year, and he doesn't know when he suddenly remembered to apply for a loan, but when he went to handle it, he suddenly found that the sales department of the real estate developer was gone, and it was a mess, There is only a ladder and other messy debris of the decoration, and when he calls again, the sales lady who sold him the house has resigned, which arouses his suspicions, he doesn't know what happened, at this time he has a feeling of being deceived, he doesn't know whether the real estate developer suddenly escaped, or the woman deliberately designed a trap for him, he was very panicked, because the down payment for the house was he and his parents, so many years of thrift and thrift saved money, is all their savings, if there is nothing like this, he suddenly has a feeling of surprise, that worry is what he has not had before, but he still hopes that he can confirm what the facts are, in fact, at this time the woman is also panicked, because she originally wanted to buy a house, she also does not want this real estate agent to be a liar, when the boy found the girl and wanted to ask about the situation, the girl was unexpectedly angry, she didn't know if the real estate agent ran away, and I don't know what things were, in short, she didn't have a heart to deceive, this is what she said to herself, but the man didn't necessarily believe it, it seemed to have become a thing that no one could say, but the real estate agent really escapedNo matter how much the girl explains, she can't explain her original wish. In the end, after several inquiries from him, it was just that the real estate agent moved a place, in fact, he still did not escape, he could still find it, and he was relieved, but he still felt that the procedures should be completed as soon as possible, so that the house was his own, and there was no need for such a false alarm. Later, he actively prepared materials and went through the procedures related to the house.
When he went to prepare the materials for the formalities, this friend of mine may have been relatively inefficient, and when he went for the first time, he only gave the real estate company his income certificate, as well as the contract, and what about other matters? He went to handle it the next day, and when I saw this situation, I knew that in fact, the difference between people is still quite big, I have seen a colleague go to apply for a mortgage before, this colleague, he is a relatively efficient person, he only handles this matter for two hours, but what about this friend now? The same thing, I have to run twice in person, or not done, the first time I handed in those documents, the real estate people made a list for him, it was written very clearly, what procedures are needed, etc., the second time I went, he took the list to do one by one, the first is the first, the second is to complete it, but the content on the list is the required documents, he did the first thing that day, that is, to print out his bank flow first, he first went to the Postal Savings Bank, when he went to the bank there were many people queuing, at that time I was with him, everyone was the same, first the bank's calling machineI waited for him next to him, and I knew that his work efficiency was not high, but because of face, I was embarrassed to say that I was leaving, and I still had to wait quietly, but he seemed to have forgotten that many state units did not work on Sundays, except for banks, which happened to be Sundays, and he forgot about it.
When we arrived, he had been chatting with me and forgot his serious things, when the bank's calling machine called his number for the second time, he still didn't realize whether to call him, or under my reminder, he smoothly walked to the window of the bank in a panic, and began to handle his own business, if there was no me, he would not handle his business on time, I was also glad that his words would still be helpful to him, but I thought, if there was no me, maybe he would not be so distracted to chat with me and forget about his own bank, maybe it would be fasterNo one can say this. The former colleague, he took the initiative to ask, did not understand the initiative to ask the sales lady of the real estate company, so that is the difference, one is not to understand, one is to wait for others to arrange everything before acting, this represents two kinds of people in our life, the result of taking the initiative to do things and passively doing things is definitely different.
That day, the flow of the printing bank was quite smooth, although there were quite a lot of people queuing up in front of him, but there was nothing complicated in the end, and the window was successfully handled, and the rest of the list I took a closer look, and there were two items waiting to be handled, we walked to a Bank of China, and the requirement was to handle a Chinese bank card, to handle the business of mortgage repayment, and open the mortgage function. Originally, my friend, his idea was that the business of housing loans and personal credit investigation can be handled together, after reading the list, how do I think that the business of personal credit investigation should be in the People's Bank of China? Although there is only two words different from the Bank of China, the difference is still quite large, the Bank of China is just an ordinary bank, while the People's Bank of China is the most authoritative bank in the country, which is different.
I told him, you still ask the security guard at the door of the bank or their lobby manager to consult, so it is more convenient, he asked the security guard according to my meaning, or he asked casually, he usually has no concept of such things, he does not know who to consult, I don't know such people, when encountering difficulties, I don't even know who to ask for help, and the concept of what department of the country is super poor, I don't know anything, the security guard told us to first apply for credit and then bank cards, then he understood that we have reversed the order, should go to the People's Bank of China for credit first, Then come to the Bank of China to apply for a bank card, but we queued up in the Bank of China for a long time, so much time was wasted, fortunately asked the security guard, or I think we still have to wait stupidly until he went to the window to handle business to know that we are waiting in vain, after knowing the order, we will go to the People's Bank of China for credit, but because I really can't walk, just take a taxi, he, is also a thrifty person, say or go, but I really can't walk, besides, I really don't know the location of the People's Bank of China, if you take a taxi, I save asking for directions, I also hate asking for directionsAlthough I used to ask for directions when I didn't know the road, most people were still very kind to tell me how the road went, but I don't know when I couldn't pull that face anymore, I always had a feeling of embarrassment, or I was older and more mature, but I couldn't do these small things well. We took a taxi to the People's Bank of China, but it was easy to go, after all, we went by car, but just got there, looking at a few people chatting in that office, I was a little happy to say, someone! At that time, I was still glad that my luck was good, and I found a place all of a sudden, and I could still handle business, and after asking, I learned that they said that they could only handle business tomorrow, because it happened to be Sunday. It really felt like a prank. He had to tell himself to come back the next day to handle the business, it was Monday, but unfortunately I didn't have time to come here again, because I had to go to work, only he was the only one to handle his own affairs, but the Sunday I came with him, I had already gone to the places where he should go, although there was no business, but at least he would not get lost, the next day, I still wish him a smooth day.
But what about other things? There is still a little bit of concern, for example, when walking on the street, he likes to talk to others, he likes to chat, even if he doesn't know strangers, he can talk to others, but what exactly is the content of the conversation? Of course, it's all some inconsequential trivialities, if it's me, I don't think this kind of thing is interesting, because people are very busy with work and arrange a lot of people usually don't have time to find someone on the road to talk for a long time, but these people who can talk for a long time without knowing each other, I think most of them are idlers who don't have any serious careers, so I'm not interested in such things, I don't like this kind of practice, at least people I don't know, I won't easily talk to others, because I don't have that kind of time, if I have time, I still like to do something I like to do, Do something that you feel is meaningful, instead of wasting it on some people you don't know, I recently heard such a sentence, that is, smart people will take money for time, and stupid people will exchange time for money, this sentence has nothing to do with this thing, but I will always see my time as very important. He, there is also a hobby is that he doesn't like to suffer, he will definitely pick up things that can take advantage, for example, there are activities, promotions, whatever, he always likes to participate in such occasions, such occasions are attractive to him, because he can satisfy his curiosity in such new products, and can also participate in some activities in such activities, become a lucky audience of some companies or something, in fact, I don't agree, but I can't stop him, he has so much time, he doesn't participate in such activities he will die in his room, I really don't know if such people will suffer in society, also because of his problem and he has communicated many times, the reason is that he is my friend, I care as a friend, or I don't want him to be fooled, every time I like to go in and out of such an occasion, every time I like those promotional products given by others, you say, not when he is so lucky, although he still has his own judgment for such activities, he knows what is deceitful, what is not deceitful, but I am still afraid that he will suffer one day, but his words seem to have no effect, or do according to his own thinking, or do the things he likesI just tried my best to persuade them.
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