On the fifth day of the Lunar New Year, Ruan Xiaoxiao's house and Lu Yan came over for dinner.

Xiao Wanru was busy in the kitchen, and Ruan Qinghe was on the side. Lu Yan accompanied Ruan Xiaoxiao on the sofa for a DVD disc, Xing Ye's "Tang Bohu Dots Autumn Fragrance". There are too few TV shows these days, and many people have the habit of renting discs. Xingye's film is funny and lively, which is quite in line with the atmosphere of the New Year.

In the kitchen, Xiao Wanru saw the two happy children on the sofa through the glass door, and sighed: "How can you feel like a girl is married?"

Ruan Qinghe glanced into the living room and said, "I think it's good, many people, lively!"

Although Xiao Wanru thought that Lu Yan's family was a little worse, she was still quite satisfied with this person, and said with a smile: "It's a lot more lively, if the two children can continue to be so good, it will not be bad!"

Ruan Qinghe said: "Let them be young and deal with themselves, let's not get involved!"

Xiao Wanru was thoughtful, and it was rare that she didn't talk back to her husband.

After a while, eight dishes were served, and four people gathered around to eat and chat.

Xiao Wanru's attitude is better than before, and there are more polite words, to the effect that she must be in her own home, and don't see outside. In the future, too, if you encounter any difficult things, you can say, don't treat yourself as an outsider.

Clinker Lu Yan put down his chopsticks and said with a smile: "There is really something, I want to inquire with my aunt!"

Ruan Qinghe and his wife were stunned, the polite words of the New Year's wholesale are quite serious!

But he couldn't help but answer, and said, "What's the matter, Xiao Lu, you say!"

Lu Yan said: "I have a house in Sanjiang City, and I want to apply for a mortgage loan for a non-local property in Bincheng, and I want to ask my aunt what the process is and how long it will take to make the payment!"

Xiao Wanru became more and more puzzled when she heard this, "Mortgage, why are you getting so much money?"

In her impression, this child named Lu Yan can really make money. The top student in the college entrance examination received a bonus of 300,000 yuan, and he also had a monthly income of 10,000 or 20,000 yuan for writing books. I went to work in the sales office, and in more than a week, I had a commission income of more than 10,000 yuan.

In Bincheng, where the per capita monthly salary is one or two thousand, it is properly rich and handsome. Otherwise, she wouldn't have accepted Lu Yan and Ruan Xiaoxiao as boyfriend and girlfriend so easily!

Ruan Qinghe said: "Does Xiao Lu want to start his own business?"

Lu Yan nodded and said with a smile: "Sort of!"

Ruan Qinghe asked, "What kind of project, it's inconvenient for Fang to say it, let's help refer to it!"

Lu Yan paused and said slowly: "Stock market!"

As soon as these words came out, Xiao Wanru was surprised: "Do you want to take out a loan to speculate in stocks?"

Lu Yan smiled, "Sort of, the main thing is that the house is quite memorable, and my parents like it very much, otherwise I want to sell the house and invest it in the stock market!"

Ruan Qinghe coughed when he heard this, and said, "I said, Xiao Lu, the stock market is risky, and investment needs to be cautious." You get so much money to speculate in stocks...... Wouldn't it be too risky?"

Xiao Wanru was very curious: "Xiao Lu, you are writing books, selling houses, and taking out loans, so you don't just want to speculate in stocks, do you?"

Lu Yan hurriedly said: "I'm a freshman student, how can there be any news, I just feel that the stock market is in the end before, and I am very optimistic about the market in the future!"

Xiao Wanru became more and more energetic, "Do you think that the bull market is coming?"

She works in a bank, and often chats with the account manager of the brokerage company who comes to the station, and many bank employees have the habit of speculating in stocks and futures, so she is not as disgusted and resistant to this matter as her husband.

Over the years, there has been stock speculation, but unfortunately since 01 years, a big bear market has been falling endlessly, and she has not looked at the stock account for a long time. But in my heart, I still hope that the stock market will get better.

Lu Yan's behavior at the moment, the first thing she thought of was not the risk, but the "good omen". The top students of finance at the Central University are trying to get a large amount of money to invest in the stock market, is it not the end of the bear market and the bull market is coming?

Looking over with burning eyes, he heard Lu Yan say: "Well, I bought some in September, and the holding cost of more than nine yuan has risen to 14 at present!"

When Xiao Wanru heard this, her eyes were a little dull, and she immediately asked, "Is it inconvenient for Auntie to take a look at your position?"

Lu Yan didn't feel that there was anything he couldn't see, when he was a stockbroker in the past, familiar customers and peers would talk about who bought the stock, how much he earned, and how much he lost. If the relationship is good, it is common to look at positions and funds.

Nodding his head, "Okay!"

Xiao Wanru hurriedly got up, led the way into Ruan Xiaoxiao's room in front of her head, turned on the latter's desktop computer, and asked Lu Yan which company he opened an account with.

After getting off CITIC's stock trading software, Lu Yan logged into the system, clicked on the position, and got out of the way.

Xiao Wanru hurriedly went over to take a look, and saw that there was a market value of 127,000 stocks, a holding cost of nine yuan two, and the closing price of the previous trading day was 14.6, an increase of more than 60 percent.

After a silent calculation in her heart, Xiao Wanru said: "You invested 80,000 yuan at the beginning, and now you are about to earn 50,000 yuan?"

Lu Yan nodded, "Well, that's why I have always thought that the principal is small, and I want to invest more!"

Ruan Qinghe said: "Don't you throw away if you make so much money? If you want to fall back, you will lose!"

Xiao Wanru was a little strangely excited, but she also said that it was better to be in the bag, and then asked Lu Yan again, are you really so optimistic about the market behind?

"Of course, in a four-year bear market, the adjustment is in place, and there is no room for decline. Last year, the reform of equity division was launched, and listed companies have the motivation to increase their stock prices. There is also inflation, and the money in the hands of residents lacks investment channels......!"

Lu Yan talked eloquently, and did not reveal the consciousness of the heavenly machine. Because in such a speculative market that tests human nature to the extreme, there has never been a shortage of empty talkers.

When the bull market rises, after 3,000 points, some "experts" shout 4,000, over 4,000 and some people shout 6,000, over 6,000 shout 8,000, or even 10,000 points, 12,000 points!

And when the stock market turned downward, there were "mad dog" experts who were crazy bullish, calling on stockholders to buy this and that, and predict the broader market index.

is to say that the market is going to rise or the stock market is going to continue to fall, Xiao Wanru has heard too much. The statements of the "experts" are all contradictory, and it is not known whether the experts buy stocks or make money. But Lu Yan's capital account in front of him couldn't be faked, and he couldn't help but move.

"We can handle the loan for your house, but we can only borrow 70% of the appraised value, and if the procedures are complete, the payment can be made in half a month!" Xiao Wanru said suddenly.

Ruan Qinghe ripped off his daughter-in-law's shirt and said to Lu Yan: "Have you told your parents about these things?"

Lu Yan said: "I haven't mentioned it yet, I'm afraid that they will know about the fire, and they won't be able to eat or sleep well!"

Ruan Qinghe wanted to persuade again, but Xiao Wanru glared at her husband and said, "That house is registered in Xiao Lu's name, even if he wants to sell it, no one else can stop it." ”

smiled at Lu Yan again: "Don't worry, the loan will be handed over to Auntie, and I will handle it for you as soon as I get to work!"

Lu Yan hurriedly said, "Thank you, Auntie!"

This house is estimated to be able to borrow more than 90,000 yuan, and if it is operated properly, it can become two or three million after the bull market!

Xiao Wanru smiled again: "It's all a family, what's polite! In the future, Auntie will ask you about stock trading, just don't be annoyed!"