"By the way, I am in the bank, and I heard from the person who is in charge of housing loans that now that the property market is regulated, the loan policy has changed, and now buying a house is more complicated than before. Guan Zhen was holding half a fritter in his hand, and he still had a mouthful in his mouth, and said a little vaguely.

"Ah, what policy? Zhu Dan is very concerned about this.

"Okay, I'm familiar with them, I'll come back in the evening and tell you. Guan Zhen washed his hands and went to work.

......

At night, when Guan Zhen came back, he had a lot of documents in his hand.

Then I listened to him talk to Zhu Dan about the changes in the housing price policy.

In Guan Zhen's words, the provincial capital has now begun to implement the "strictest purchase restriction policy".

The down payment ratio for the first house will be increased to 50%, and the second house will be increased to 70%.

Listening to what they say, I don't quite understand.

But later, Guan Zhen gave an example, and I generally understood.

The down payment ratio increased from 30% to 50% all of a sudden. In other words, a house of 10 million yuan originally only needed to pay 3 million, but after the implementation of the new policy, 5 million yuan will be paid.

And families like Guan Zhen and Zhu Dan, who want to buy a second house, have to take out 7 million for a down payment.

Although their family is very rich, there is also a lot of pressure to suddenly take out so much money.

Not to mention, the total price of the house they can look at is more than just 10 million.

Hearing the news, Zhu Dan was angry and regretful, feeling that he was too late to act.

even began to complain about Guan Zhen again, you yourself are an internal staff member of the bank.

How can you even be so late to know such a big change in mortgage policy?

Missed the chance to catch the last train.

Guan Zhen expressed his guilt and blamed himself.

Indicates that it is indeed his responsibility.

"Hey, I can't blame you, this policy was only recently introduced, and it's normal for you to go out for training during this time, and you didn't pay attention. Zhu Dan sighed.

"Then let's wait and talk about our second house, after all, the down payment ratio has increased so much now, which is beyond our budget. Guan Zhen looked very helpless.

"No! I can't wait any longer, in this society, don't look at those experts who say that housing prices have peaked every day, but they are still rising faster and faster. Don't look at the daily saying that housing prices should be regulated, but they are getting higher and higher. The later the time, the greater our losses! I have even thought about how to design the special baby room in the future, how can I not buy it? Buy, I must buy it! I really can't do it, I'll go back to my parents to find a way?" Zhu Dan didn't continue to complain about Guan Zhen, but thought of going back to his parents' house to think of a way.

It is to let the parents take the money and subsidize part of it.

I already know that Zhu Dan is a native of the provincial capital, with a superior family background, and a real eldest lady.

Her father was a high-status figure in the bank in the provincial capital before, with a big face, a wide range of contacts, and he would give him face in all aspects, although he is now retired, he is still very influential.

Although the family is not rich, it is definitely an upper-class family.

In comparison, Guan Zhen's family background is mediocre.

He is a foreigner, studied at a university in a provincial city, and is an alumnus of Zhu Dan.

Zhu Dan in college was a veritable school flower, and in the end, Guan Zhen was able to successfully hold the beauty, not only because of his perseverance, but also because Guan Zhen is indeed a talent.

Excellent in character and learning, he was an excellent student cadre in college.

It's the kind of person who doesn't have a high starting point, but has a high ceiling.

is completely different from the son-in-law and second ancestor around Zhu Dan, and successfully won Zhu Dan's heart.

Of course, in this society, even if you have the ability, but if you don't have a background, it is difficult to find a job of your choice.

So with the help of Zhu Dan's father, Guan Zhen entered the banking department to work.

Therefore, Guan Zhen respects and is very grateful to his father-in-law, and has always regarded his father-in-law as his benefactor.

Because his father-in-law not only married his precious daughter to him, but also gave him a future.

Without his father-in-law's connections, he may be assigned back to his hometown to be a teacher in that small place, with a salary of 2,000 yuan for the rest of his life, and he will not have a bright future.

Don't forget to dig wells, Guan Zhen always said that his father-in-law has fulfilled his career and love, and he doesn't want to be a good son-in-law, but a son!

......

Before, almost every once in a while, even if Zhu Dan didn't mention it himself, Guan Zhen would take the initiative to go back to his father-in-law's house to see the second elder and be filial.

Because the greatest filial piety is not how many gifts are bought, but care and companionship.

But now, when Guan Zhen heard Zhu Dan say that he wanted to go back to his parents' house to ask for money, he shook his head.

"No, we can't go back and ask for money!

"What's wrong with that? My parents are just one of my daughters, and theirs is mine, so you're welcome. Zhu Dan said a little strangely.

"It's not like that, now you are my wife, and it is my responsibility to take care of you, I promised in front of my father-in-law and mother-in-law that I would treat you well, give you the happiest life, and let you be a carefree princess. But now, my career is not very good, and I don't let you live in a big spacious house, and I already blame myself. If I ask my father-in-law and mother-in-law to help me again, then even if they don't say anything, I will look down on myself! I will feel that I am a failure and useless! I am afraid that I am not worthy of you! I have wronged you! I have disappointed my father-in-law and mother-in-law!"

Guan Zhen said seriously.

Hearing Guan Zhen say this, Zhu Dan didn't have anything to say.

Besides, it hurts Guan Zhen's self-esteem.

So the two changed to another topic.

"Although I can't talk about money, this weekend, let's go to see my father-in-law and mother-in-law, and I also bought good tea to honor my father-in-law. Guan Zhen proposed.

Zhu Dan shook his head: "Don't want it first, every time I go back, the old lady asks about the child, and I am so annoyed to ask." ”

Guan Zhen held Zhu Dan's hand: "The old lady also cares about us, haven't we been working hard? ”

"Oh, what about this in front of Xiao Qiao?" Zhu Dan looked a little shy.

When Guan Zhen was not at home, Zhu Dan also told me about having a child, and he didn't think there was anything.

But now in front of her husband, Zhu Dan feels a little embarrassed to say this again.

"Okay, don't say it, wife, you may be too stressed, you must eat the vitamins I bought for you. Guan Zhen smiled softly.

Zhu Dan bowed his head happily.

I raised my eyebrows.

Because of Xiaoqin's affair with Professor He, I am now very sensitive to supplements and the like.

There's nothing wrong with this vitamin, right?

But I also feel that I really think too much about myself.

Xiaoqin's purpose is to seize property, so she wants to kill for money.

But Guan Zhen is already married to Zhu Dan, and things are completely different.

What is he trying to do?

Qiao Huanxi, Qiao Huanxi, your heart is too poisonous.

......

That night, I still didn't hear that sound.

Actually, I've bought a new headset.

But I found that there was no use for the time being.

......

That night, Guan Zhen came home and looked very excited.

He even brought a bottle of red wine, which was said to be very expensive, saying that there was good news and he wanted to share it with Zhu Dan.

Then at the dinner table, Guan Zhen and Zhu Dan drank red wine, Zhu Dan's face was red, and he looked extremely beautiful, Guan Zhen finally said his good news.

It's still about buying a house.

You don't have to pay such a high down payment.

This method is called a fake divorce.

Guan Zhen and Zhu Dan went through the divorce procedures, and after the fake divorce returned to singleness, the down payment could save a lot of money.

Fake divorce not only reduces the down payment ratio, but also avoids taxes.

is worthy of working in a bank, Guan Zhen is very good at settling accounts.

He said that the deed tax is now 1.5 percent for the first home and 3 percent for the second home.

That is to say, if you buy a house of 10 million yuan in the provincial capital, the deed tax paid for the first house is 150,000 yuan, and the second house needs to pay 300,000 yuan.

After handling a fake divorce, you can quickly save 150,000 yuan.

You can save so much money by dissolving a marriage letter, how do you think it's cost-effective.

What's more, with the location of the school district house that Guan Zhen and Zhu Dan look at, the taxes and fees that can be saved are hundreds of thousands.

"Wife, it just so happens that your car has been driving for several years, let's save money, isn't it good to change your car?" Guan Zhen discussed gently.

Hearing this proposal, Zhu Dan instinctively resisted.

"This can't work, right?

Guan Zhen smiled: "What's wrong with this? Now many people play like this, this is the trend, you can save so much money at once, everyone is willing to do this." ”

Seeing that Zhu Dan was still suspicious, Guan Zhen said again: "Now the fake divorce is nothing." I went to the training this time, and I also heard a new story, saying that in a place, the village was demolished, and there was a family surnamed Chen, in order to divide the demolition money, the father and son divorced separately, and then let the father-in-law marry the daughter-in-law. ”

Zhu Dan looked even more surprised: "Why?"

Guan Zhen smiled: "My father-in-law and daughter-in-law got married in order to demolish and relocate, and then moved the household registration of my daughter-in-law and granddaughter to the village in the name of refuge of the husband and wife, so that I could have more money." ”

Zhu Dan pouted: "But this is too weird, I can't do such a thing, don't I want to be laughed at by the people around me?" Don't think about the fake divorce, we can't do such a thing for hundreds of thousands, if this spreads, I, Zhu Dan, will still be a man?"

Guan Zhen explained: "You don't have to worry too much about this, after all, we fake a divorce, just go through the formalities secretly, and then what should we do, how can outsiders know? In the eyes of outsiders, we are still a loving couple. ”

Guan Zhen glanced at me again: "Xiao Qiao is not an outsider, he shouldn't go out and talk nonsense, right?"

I didn't say anything.

But Zhu Dan still didn't seem to care about it: "Husband, I always think it's weird, I don't like it, let's not discuss this issue, okay? In fact, even if the down payment is a little more, it is not completely unacceptable." We can sell all the wealth management and stocks in our hands, and make up for it, I think it's about the same. ”

As soon as Zhu Dan finished speaking, he saw that Guan Zhen's face suddenly became very ugly.

He lifted the glass in front of him and drank half of the red wine inside.

"Okay, I see, I'm a little tired, I'll go rest first. ”

Then, Guan Zhen got up and was about to leave.

Zhu Dan was a little flustered: "Husband, are you angry?"

Guan Zhen shook his head: "No, I'm not angry. ”

said that he was not angry, and even fools could see that Guan Zhen was angry.

This is the first time I've been in this house for so long, and I've seen Guan Zhen angry.

Perhaps it was also the first time that Zhu Dan saw Guan Zhen angry for so many years.

If a person is constantly angry, then he will be angry again, and others will not find it a big deal.

But Guan Zhen, a husband who has always been gentle and obedient, suddenly got angry.

Although he was not yelling, hysterical, or even saying a heavy word, it brought Zhu Dan a lot of pressure.

It even put a lot of pressure on me, this bystander.

I feel that the atmosphere in the house has changed all of a sudden.

You can see it from this.

In this family, it usually seems that Zhu Dan is the center, and Guan Zhen revolves around Zhu Dan like the stars holding the moon.

In fact, the real center is still Guan Zhen.

Guan Zhen used gentleness, care, obedience, on-call, and meticulousness to compile a track.

Everything in the house runs under the rules set by Guan Zhen.

Now that Guan Zhen is angry, this rule is unstable.

So Zhu Dan, who originally felt that everything was fine and everything was under control, immediately had a strong discomfort.

"Husband, are you really angry, as for you? You said that our family, in the provincial capital, not to say that it is the most high-grade, that is more than the above, more than the bottom, we really need to do so in order to buy a second house...... So...... So ......"

Zhu Dan hit several jams in succession, but he didn't find the right words to describe it.

Or Guan Zhen himself said: "I think that in order to save money, fake divorce is very dishonorable, very embarrassing, and very obscene, right?"

Zhu Dan nodded subconsciously.

Guan Zhen said again: "I think I made such a suggestion, and I am also very low-grade, right?"

Immediately began to shake his head again: "No...... I'm not saying you're ......."

Guan Zhen smiled.

The smile was full of self-deprecation.

"Wife, in fact, you are right, I am just very classless, very low, I am a small citizen from a small place, my growth experience is destined to my vision is not high, my background is destined to I may care more about those small profits. yes, that's what I'm like. I'm sorry, but I'm too self-righteous, I'm too self-conscious, I think I've found a shortcut, but I ignore that it's not a way you can see at all, it's all a sideline that you don't like. I'm really not angry, I'm not qualified to be angry, it's too strong for me. ”

Guan Zhen began to get angry, which already made Zhu Dan feel very helpless.

Now not only did he not continue to be angry, but he actually took the initiative to apologize and take the responsibility on himself.

It made Zhu Dan feel even more unhappy.

"Husband, don't talk about yourself like that, in fact, you are very good, you are better than many men, I know that you are all for the good of this family......"

Guan Zhen interrupted Zhu Dan's words.

"Okay, wife, don't comfort me, I'm not as good as you say. If I really had the ability, I would let you live in a big villa in a beautiful style, instead of coming up with this kind of unelegant idea to save a down payment and pay less taxes. Well, this is the end of this matter, I don't want to, because this incident affects the relationship between us. ”

After speaking, Guan Zhen went back to the room.

The door closed.

Zhu Dan and I were left looking at each other.

......

"Little Qiao, do you think I'm wrong?" Zhu Dan asked me.

"I ......"

I was lost in thought.

On the side, I heard the conversation between their husband and wife, what to buy a house, what to fake a divorce.

Although I don't know much about mortgage policy.

But I instinctively felt that marriage couldn't be such a child's play.

It's a fake divorce, but what if it comes true?

Could there be some conspiracy in this?

I really want to tell Zhu Dan, this is not good, I think it is unreliable.

But I paused again.

Because I thought about all the stupid things I had done and the big and small mistakes I had made.

For example, I shouldn't be a military advisor to Yang Jie, and I ended up making a mess.

For example, my confession in the patrol room almost caused Wen Shaonian to get into big trouble.

These examples remind me of myself, Joe, you are not as smart as you think.

There are a lot of things you don't understand.

For example, love, such as the law, and then for example, things related to the procedures for buying a house.

I can't be self-righteous about what to judge.

Because those are not my areas of expertise.

So I shook my head: "Sister Dan, I don't understand what you said. ”

Zhu Dan sighed: "Yes, what is the use of me asking you? How can you understand this?"

She began to circle the room.

During this period, there were several times when Zhu Dan wanted to make a few phone calls and consult his friends.

But she didn't hit it again.

Obviously, Zhu Dan felt that this kind of thing was not suitable for others to know, even if it was a friend.

I looked at Zhu Dan with a somewhat anxious look.

I think that in the end, Zhu Dan will still agree to Guan Zhen's proposal.

Is this a good thing or a bad thing for Zhu Dan?

......

In the remaining days, the atmosphere of Zhu Dan's house was always a little dull.

During this period, Zhu Dan took the initiative to mention the mortgage several times, but Guan Zhen was not so enthusiastic.

Sunday.

Guan Zhen said that he had asked a few friends out, and Zhu Dan and I were at home.

Zhu Dan seemed bored, so she offered to let me accompany her to go shopping.

Actually, on the weekend, I don't know what I should do.

Since that breakup with Wen Shaonian, he hasn't contacted me again.

My heart was always empty, as if I had no support.

So I took Zhu Dan's car together and came to a big shopping mall in the provincial capital.

An hour later, I was tired of shopping.

I don't understand why some women are like being beaten with chicken blood as soon as they go shopping, and they don't seem to get tired after shopping for a day and a night.

But I can't, I really don't have enough stamina for such an activity.

Zhu Dan bought himself a few clothes and leather shoes and a tie for Guan Zhen.

I also mobilized myself to buy some clothes and cosmetics.

She even offered to give me a few.

But I refused.

It is said that women are those who please themselves.

But even if I dress up beautifully now, who will I show it to?