In order to make my father happy, in the autumn of 2011, he proposed to attend the reunion of old classmates at his alma mater in Zhenjiang, and went to my cousin's house to play, and we all supported it. This cousin is the eldest daughter of the third uncle, and also a favorite niece of my father; when the third uncle and aunt were farmers facing the loess and facing the sky, the uncle gave birth to five daughters, and continued to study time, this sister went to the candy factory in the town to make money after graduating from junior high school, and wanted to reduce the burden on the family for the third uncle and aunt, and the father who knew that knowledge changed his fate persuaded the crying sister many times not to give up his studies! For this reason, he also quarreled with the owner of the candy factory, Chen, who was also a celebrity in the town: If you don't fire my niece, I will go to the labor bureau to sue you for child labor. Dad took his hungry and tired cousin to the house and soaked a few eggs for her to eat, and let her sleep at home for a while, and then Dad did her ideological work again, funded and helped his sister contact his old professor to implement the school, patted his chest and said to his niece: "Uncle will definitely find a way to help your father and mother, you must read the book with peace of mind!" In this way, my sister later went to university, was admitted to the civil service, and later married a good brother-in-law in Zhenjiang who had responsibility and responsibility, when his niece and son-in-law in Zhenjiang failed to do business at the beginning, the money owed by the boss of the steel mill in our town has not been given, and the brothers-in-law of Zhenjiang brother-in-law took all kinds of guys kitchen knives and axes to go to the door to ask for money, Dad stopped them, he ran to the office of the boss of the steel mill for two hours to drink tea, and asked for all the money owed to his brother-in-law, and then the brother-in-law who graduated from college worked hard to study law on his own, and obtained the lawyer's qualification certificate, until he later became the owner of a law firm…… Later, when the other cousins were studying, as long as the third uncle and aunt opened their mouths to borrow money, their parents were fully supportive.

Now his favorite niece is already the proprietress of the law firm, and the economic strength is also the first among our juniors in the whole family, unmatched, my father has been proudly bragging in front of me how good his niece is, of course, this sister is really good, every time I come back to my hometown, I will take the time to come and visit his uncle. This time, after my father returned to his home in Kunshan from my sister in Zhenjiang, he said to me: "My sister's house is so big, how good the conditions are, and one day my son will be able to live in such a single villa!" I knew that he was motivating and encouraging me to reach a higher level, and this really affected me, and now I understand what I want to strive for in the third five-year plan.

I began to think and plan for the implementation of the third five-year plan, thinking about the encouragement that my father had always given me before his death, and I had never forgotten my promise to her, in the Spring Festival of 2013, when I went to her eldest uncle to pay New Year's greetings, in front of his old man, I said my next five-year plan: Uncle, my next goal is to let my wife live in a single-family villa, and realize the promise I made to her when I fell in love: I have no money now, but I promise to let you live a good life for the rest of your life。 My mother-in-law once told me that my uncle has always been kind to my father-in-law's family, but my father-in-law seems to have been dissatisfied with him, so he doesn't move around much. Her eldest uncle was very happy to see me come to see him, and he kept praising him: "I have been saying that my brother-in-law is very good in our Donghe brigade, it is really not easy, come to Kunshan from scratch, step by step, no one in this family can create so many careers on their own, you have surpassed all the juniors in the family, and after you have money, you have always been very good to your wife, and you don't rub mahjong and gamble, don't cheat on women, it's really a role model ......for the next generation." I hurriedly interrupted at his boastful words: "Uncle, I only have four hobbies, fishing, raising dogs, planting fruit trees, and cooking;

After the Spring Festival in 2013, I started to work on the eighth day of the new year, my good brother Xu Xiaoyong and Tian Ji came to my office to drink tea and chat. Two brothers, if I am not wrong, brother, I personally think that around October 2015 should be the best time to buy a house, I have analyzed a law in the thirteen years since I came to Kunshan, that is, the people's wage income index line and house price index line, these two curves (there is a coefficient relationship) and are alternately rising, simply put, when the house price is at a relatively high level, the people's income will rise rapidly, but when the wage income index line is about to reach a close to the extreme point of purchasing power, it will remain unchanged, and then the house price index line will rise againIf my analysis is correct, there should be an interaction point around October 2015, and this is the best time to buy a house. In a sense, the ability to borrow money is to make money, because your income will rise later to offset the payment of bank interest, and the cost of bank loan interest is relatively unchanged; What can be used to support such a huge financial expenditure? The only effective thing is the implementation of real estate tax, and I don't think the future property tax will be the same as the Americans, although we have been taking the road of Americanization, but I personally think that our future property tax should allow people to live in a set of tax exemptions, the second house began to be levied, the more houses the more relevant, so the future really don't hold too many residences, I think it will start in 10 years or so, which is why in 2011 Shanghai began to pilot the pilot, in fact, the top management is starting to study and prepare!"

"I have always found that I have a more acute and advanced farsightedness, when I was only eighteen years old, I wrote to my father to suggest that he reform, in 1995 I wrote to the mayor and secretary of our ** town to suggest that they do township and local promotion and introduction, through popularity and people's curiosity to let people come to this beautiful town by the lake to see, and then through service to improve the reputation, and our entire hometown ** The investment promotion incentives were introduced at the end of 1999, and you can see that all over the country are now advertising on CCTV, two sets of TV stations, what "often come to Changshu", "beautiful Wujiang"...... , and my concept is almost 20 years in advance!", and when I presented the results of my analysis and judgment to the two brothers in front of them, the Xu Xiaoyong brothers showed a scornful and dismissive attitude, and also "praised" me and said: "Bragging is so impressive!"

Although the brothers may not really believe my analysis and judgment, but I know that my analysis is correct, after the fifteenth day of the first lunar month, I officially began to communicate with her to change to a single house, the son and daughter in the family are getting bigger and bigger, the future will definitely not be able to share the same room, mother-in-law one room, my mother one room, we one room, we need at least a five-room house, the housing contradictions and focus should be quickly resolved when we can bear it, we can sell the first 89 square meters old house next to the health bureau and the 164 square meters townhouse we live in nowIn the future, the property tax is imperative after the land is sold out, and we consider changing the form of a house to achieve our goals, and it is really not possible to sell a house of nearly 100 square meters in the urban area. She felt at the beginning: Damn, my mother has just paid off all the loans, and she is going to pull me into the pit again. After repeated lobbying, I had no choice but to say: I can take a look.

In the next two years, we have seen almost all the single-family villas in Kunshan, from Far Eastern Century Garden, Zhongda Yi Villa, Fengze Garden and so on, in the end I took a fancy to a single house in a community near the townhouse, covering an area of 1,000 square meters, but this room is irregular, the big one is particularly large, the small one is super small, she is interested in the single villa in an old community on Shuixiu Road South Road, although it covers an area of only half, but the room is particularly regular, and each room has a separate bathroom and balcony, which does not affect and disturb each other, but the price of this house is almost 800,000 yuan more expensive. But when I proposed to sell the old house, I don't know if it was the reason why she felt that the old house was close to her mother's house or what, she regretted and changed her hexagram again, maybe women are like this, I am really entangled and depressed, I agree with this villa house you like, just add some loans, but at this juncture you have changed your hexagram like this. In order to be able to completely convince her who was hesitant, I had no choice but to make an analysis chart to show her, the total construction area of the three residential houses (even the hometown one) is not as large as the usable area of this single villa, and the land area of these three residential houses belongs to us is only 20% of this single villa, I repeatedly explained to her that it is the value of the land, not the value of reinforced concrete! When I was really depressed, I would go to my brother's house next door to drink and vent the depression in my heart, and also showed my brother the analysis chart that I had shown her. So I have been quietly waiting for the best time to come. Fortunately, she still listened to her brother, and when he helped me lobby her, she actually agreed......! Could it really be that a foreign monk can recite scriptures?

It took nearly two years from making this decision to convincing her, and I had calculated that the most suitable time to buy a house was around October next year, so I started selling it at the intermediary company, otherwise it might be too late. This single-family house was bought by a cadre of a ** department from a Japanese-funded enterprise for 3.6 million yuan three years ago, because **Chairman Ping proposed to ask for it after he took office** According to the manager of the intermediary company, I told me that at the beginning they hung 4.3 million yuan, and there were a lot of people who came to see it, but no one wanted to buy, because this room really made people unable to design and decorate, and there was a large piece of frame structure exposed outside the entire west wall, just like a person's front teeth were missing, it was too ugly and difficult to design, although the structure inside was still OK, each room also had a separate bathroom, balcony and window, and each room could also get the sun, but the living room was not barely enough at least not the kind of atmosphereIn addition, it has not been inhabited for a long time, the house is large and gives it a gloomy feeling, and the roof has begun to leak to the first floor.

It wasn't until the end of 2014 that I saw this house through an agent, and although I personally prefer a 1,000-square-meter house, she insisted on this apartment, and I hunted this house as a prey. In fact, the original landlord has been selling the house for at least more than a year, but only the visitors did not buy the buyers, after the first time I saw the house, I took the whole family to see it, and did not disclose and show any will, the agent said that the seller was in a hurry to sell 4.3 million yuan, if you want, the price can be appropriately discounted, after looking at the house a few times later, after the Spring Festival in 2015, the second time I asked the agency to ask the original landlord and his wife to meet for the first time in the agency to talk about the price, because he was anxious to get rid of it, and took the initiative to say that it could be reduced to 4.15 million yuan, and my idea was to take it for 3.95 million yuan, and the first round was so unhappy;

In fact, after a few times to see this house, I have almost the house decoration design plan and ideas have been in my mind, it should be said that the effect will be very good, after all, the first two residential houses are their own decoration design, or a little experience and precipitation; but I can not show too much to show too much eagerness to buy, so let the manager of the intermediary company in the second head back and forth, and the manager of the intermediary company also wants to facilitate the deal, actively mediate in it, and finally mediate to the time, I went to the landlord and the couple alone again, and they were willing to reduce to 4.1 million yuan, and my wife insisted on taking the house for 4 million yuan, not a penny more, the distance is getting closer and closer, I can read the anxiety and anxiety written on the faces of the two of them who are eager to get rid of the house, and the manager of the agency company is also sitting on the side, and I began to attack them:" Brother, we have also seen this house more than once, I believe that the two of you can still understand that you have sold the house for more than a year, I am still a more sincere customer, otherwise there is no need to waste each other's time, after all, there are too many places to operate on this house, and it is also the reason why so many people did not dare to start after seeing it before, if it drags on again, now**big and proposed** Officials want to publicize the property, it is estimated that in the system design stage, the implementation of the implementation is estimated to be an imminent matter, and it is not a matter for you, our opinion is that 4 million yuan to get the house including the intermediary fee of the intermediary company and all the taxes and fees of the transaction, if you two agree, we can sign the agreement now, or you have to wait for the time to find a suitable buyer!"

The original landlord and his wife are still biting 4.1 million yuan to get the house (including taxes and agency fees, etc.), saying: "We bought this house three years ago and now we are selling it at this price is equivalent to not making money, so 4.1 million yuan is our bottom line! If you like it, sign the agreement, otherwise forget it!"

The time is also close to five o'clock in the afternoon, I did not hesitate to pull up my ass and get up to say goodbye, the intermediary company that Yang Manager is still quite deep, he first stabilized me to other reception rooms to sit first, drink tea, give him a little time to communicate with the original landlord and his wife alone, about 10 minutes later, this Yang Manager called me in again, in front of the original landlord and his wife, said: "The seller agreed to give another 50,000 yuan, 4.05 million yuan including taxes and intermediary fees can be traded, do you see if you can sign the contract?!".

I pretended to dial the phone number of "Galeries Lafayette" who listened to the government, and turned on the speakerphone: "Wife, the house of the single-family villa you fancy is the landlord and his wife insist on asking for 4.05 million yuan, otherwise forget it, what is your opinion?" The reply on the phone was that he didn't agree! I only heard the landlord's wife say to the agency on the side, "You see they won't give in, we've given up so much, then forget it!", and he was ready to get up and say goodbye.

Manager Yang of this intermediary held me down and said: "Boss Zhao, you have seen the house so many times, and you have talked with the landlord and his wife many times, if you really like the house, then hide from your wife to sign this contract, and there will be no such store in this village!" In fact, his last sentence has attracted my attention, indeed since the price has been cut to such a low, if I don't buy it, the intermediary company will soon recommend it, in fact, 4.05 million yuan is already a figure that I am satisfied with, so I said as difficult: "It's okay, it's annoying to save it!". Indeed, if this house is bought by other smart guys, I don't have time to prepare other houses, and the time to sign the contract is getting closer and closer to the best time I calculated to buy a house, I am really afraid that I will miss the opportunity, so I signed the contract on March 25, 2015, when I came home with the contract at half past six in the afternoon, the family had already finished dinner, and the first thing she threw to me after reading the contract was: " You are really bold enough, you don't have a penny in your pocket, so you sign a contract of 4.05 million yuan with others!"

I immediately analyzed it with her, " The price of this house must be cost-effective, in 2013, the original landlord bought it from the hands of the Japanese company and spent 3.6 million yuan (excluding taxes), two years later he sold us at a price that was only equivalent to selling 3.85 million yuan, although we paid 4.05 million yuan, but the 200,000 yuan is the transaction tax and intermediary fee we have to bear, the price he bought at that time was converted according to the yield of the bank's wealth management products in the same period, and the bottom was guaranteed at 400,000 yuan in two years, although the house price on the surface increased by 250,000 yuan, in fact, he jumped at a loss！”。

Facts have proved that my analysis is correct, in late June 2015 after the completion of the transfer and related procedures, my brother immediately called one of his real estate development "tiger brother" friends, to ask him to come over to give some opinions and suggestions, tiger brother said on the spot: this house you have already made money now, because the transaction price of the commercial land in the city center is 6.5 million yuan/ acres, you occupy three-thirds of the area, it is already about 4.7 million, and the construction cost is about 500,000 yuan, which is already more than 5 million yuan.

At that time, the time to sign the purchase contract to the official procedures was only less than 3 months, and it didn't take long for me to sell the first house of the two of us at a price of 720,000 yuan, in fact, I am no longer afraid in my heart, because the down payment is twenty percent, I have implemented the down payment is basically no longer afraid, I have a more daring plan to put forward with her:" We can consider not selling this townhouse for the time being, I have a hunch that the house price will enter the rapid rise of the channel, we can use the money in hand for decoration more than 1 million yuan for emergency, temporarily do not decorate, first take a little time to carefully consider how to design the decoration thing, our family does not have to go out to rent a house to live, and wait until the house price rises, and then sell off this townhouse, I have evaluated and analyzed it is definitely feasible, It must be operable, the rent of the second set of storefront houses is offset into the monthly repayment amount, plus the part of the loan that we should have repaid, and there is not much increase in the monthly payment, but once the house price rises, the income will far exceed the monthly payment of this loan!", but when she heard the intermediary say that the monthly repayment would be nearly 30,000 or 40,000 yuan if the down payment was 20%, she was scared and disagreed:" I've been paying off the loan since I got married to you, when is it a head, and I have to repay so many monthly payments, you're not tired, I'm tired!"; There is no way to go through the transfer procedures on time without default, I can only sell this townhouse with a good location according to her wishes, and the price can only be reduced from the initial 2.05 million yuan to 1.81 million yuan in the final transaction, and then borrow 1.4 million yuan from the bank, and vacate the decoration money to prepare for the implementation of the decoration, and at the same time rent a house to live!

Facts have proved how accurate my reasoning judgment is, at the end of 2015, the implementation of the real estate destocking stimulus plan: reduce the proportion of down payment, reduce transaction taxes, reduce loan interest, reduce the proportion of down payment, as a result, the whole real estate market began in 2016 like spilled chicken blood, and then began to enter a crazy surge, the real estate transaction center at one or two o'clock in the morning there are people queuing up for real estate transfer, the whole process has continued until 2018 is still unabated...... My townhouse, which I was in a hurry to get rid of, rose to more than 5 million yuan.

However, I also saw the sequelae of the introduction of this stimulus policy, and I said my analysis when I was drinking at my brother's house one day after the Qingming Festival in 2016: "This stimulus policy will inevitably cause a precipitous decline in the transaction volume of a real estate in the next 3-4 years, because the direct impact of the current stimulus policy is to release the future 3- 4 years of purchase demand, many people were ready to buy a house next year, the year after next or the year after tomorrow, but when they saw that the stimulus policy of the policy was so good, they quickly borrowed money and other methods to make a down payment and buy it in advance, but buying a house is not like the people go to the vegetable market to buy vegetables, the frequency cycle of the people changing houses should be about 8 years, as China gradually enters the aging, many of the post-90s generation does not need to think about buying a house at all, and the house will definitely enter a polarized situation in the future......" My brother sat on the side and said that my analysis was very reasonable, and then I heard him say: "The original landlord of your villa is my colleague, and I heard him sit on the side and say to me at noon not long ago: Hey, my house was sold at a loss!"

In fact, I didn't discuss with her at the beginning, and just operated according to my intentions! I saw the judgment of the future, but there was no way to convince her! In the words of my father: In a person's life, there are always a few opportunities and opportunities that can change your fate, and if you miss it, you won't have it again!