The two communities of Qingheyuan and Bihaixuan have the latest and largest main campus of Chunan University on the west side, the prosperous Shuanglongwei on the north side, the large residential area in the west of the city on the south side, and the large supermarket and shopping mall complex on the east side.

Add to that a key school district and a bus terminal, and more than 100,000 people live within a radius of a few kilometers.

Such a population density and the corresponding supporting facilities cannot be described as "suburban" in any way.

But listening to Pan Zhongyang's words, Chen Jin probably had a judgment.

Only the natives of Dongjiang City will call the west and north of the city, which are far away from the city center, as suburbs.

Because the country's economic construction only began to develop rapidly after the 90s, after 2000, and even after 2008, there was an explosive growth.

Therefore, in the early years, the area of Qingheyuan and Bihaixuan where they were located was just villages and towns on the periphery of Dongjiang City, which is why they were called Liangshan Town and Qishan Town.

So under the subtle influence of the older generation's word of mouth, Pan Zhongyang called this place a suburb. And in the concept of their kind of people, buying a house and buying a "suburb" is a rather poor mix, a sign of despair and shame.

Chen Jin looked at Pan Zhongyang seriously, although he was smiling on his face, there was a hint of amazement in his words.

Thinking about Pan Bohai's clinging to Tingtao Lake, with a total value of twenty or thirty million properties, Chen Jin understood the reason for his loss.

"Zhong Yang~" Pan Bohai seriously persuaded at this time: "I have much more experience in buying a house than you, you have to listen to my brother's persuasion." Don't be impulsive. ”

He continued: "Otherwise, what if you lose money then? Run over and complain that I didn't stop you today? Then I'm not a human being inside and out?"

"I'm happy to lose. Pan Zhongyang pursed his mouth, and there was some negative airway.

As he spoke, he turned to Chen Jin and said, "Manager Chen, come to your store and help me calculate the relevant taxes and fees, right?"

"No problem. Chen Jin responded with a smile and led the two back to the Bihaixuan store.

It's just that seeing that Pan Zhongyang seemed to be about to settle on this house, Pan Bohai shook his head and sighed, but did not follow the door, but stood outside the door and made a call.

When Pan Zhongyang saw it, he didn't care about him, just watched Chen Jin calculate.

Within two minutes, Chen Jin calculated the corresponding taxes and fees and listed them on the list.

The down payment is 780,000 yuan, the personal income tax is 26,000 yuan, the deed tax is 39,000 yuan, the intermediary fee is 36,290 yuan, the loan evaluation fee is 3,600 yuan, and some miscellaneous expenses, totaling more than 880,000 yuan.

Pan Zhongyang looked at the tax calculation sheet and said in surprise: "Why is the deed tax 39,000? Shouldn't it be 1%?

Chen Jin explained: "Yes, Mr. Pan, according to the regulations of Dongjiang City, below 90 square meters, the deed tax is 1%, 90 square meters to 140 square meters, the deed tax is 1.5%, and more than 140 square meters, the deed tax is 3%. This is the hard standard, and there is no room for it. The area of this house is exactly 90.37 square meters, which is more than 90 square meters. ”

Hearing this, Pan Zhongyang nodded. He has indeed looked at houses for many years, but every time he is ready to start, he is always dissuaded, so he has never been exposed to the links involved in specific transactions, and the details of these transactions are not clear.

He took the list of taxes and fees and thought about it for a moment, frowned slightly, as if he had made up his mind, and said to Chen Jin: "Manager Chen, you can help me make an appointment with the landlord." ”

When Gu Haoyu on the side heard this, he said happily: "I'll go!"

Then he went to call the landlord, and Chen Jin looked through the window and watched Pan Bohai still chattering outside to the other end of the phone.

He thought about it for a while, and pretended to be casual: "Mr. Pan, look at your brother's outfit, it's not cheap, right?"

"Of course. Pan Zhongyang snorted and said: "His body is up and down, enough for a domestic car." ”

"Then why don't you let your brother sponsor you a little bit and choose a better house? Chen Jin said.

Pan Zhongyang was stunned, shook his head, and smiled without speaking.

At this time, Gu Haoyu ran back and said, "I have made an appointment with the landlord." However, the landlord took the children out to play, and it is estimated that it will be back after 11 o'clock. ”

When Pan Zhongyang heard this, he raised his hand and looked at his watch, and when he saw that it was now half past ten, he nodded and responded: "No problem, then wait for the landlord." ”

"Pour out the water. Chen Jin immediately instructed Gu Haoyu, and then sat down himself.

At this time, Pan Bohai finally hung up the phone, but he still didn't enter the door, but smoked and swayed at the door.

Seeing that the atmosphere was a little silent, Chen Jin took the initiative to open the topic and said, "Mr. Pan, I heard you say before, you have been looking at the house for some years, right?"

"Yes~" Pan Zhongyang sighed: "I have about 900,000 yuan in funds, and I have been keeping it for four or five years, but I have never been optimistic about the house." If it was 06 or 07, this money would be enough to buy a 120-square-meter three-bedroom in the city center! Who knew that it would become like this now, and could only afford to buy a two-bedroom of 90 square meters. ”

"I'm afraid that if I wait any longer, I won't be able to afford even these two houses, so I can only buy a bachelor apartment, or I can't afford anything at all. Pan Zhongyang obviously watched the housing prices in Dongjiang City skyrocket, so he seemed to have infinite emotion when he spoke.

Chen Jin smiled and said: "This year's market is not good, how many people think that it will fall for three or five years!"

"Joke!" Pan Zhongyang retorted: "You are still young, you haven't seen enough!"

He raised his head and recalled: "I remember in '98, when I was still in high school, as soon as the welfare housing was cancelled, the housing price went up. Every year after that, there will be some expert criticism, social researchers commenting, saying that the real estate bubble will inevitably burst. ”

"I'm going to crack his eggs!" Pan Zhongyang complained a little angrily, and then smiled at Chen Jin with some embarrassment, and then said: "Since 2000, from 2000 to 200,000 yuan for a house, it has risen to 200,000 or 300,000 yuan, and now it is two or three million.

"If it weren't for that, I wouldn't be here now. Of course, this is not the main reason......" Pan Zhongyang said, turning his head to look at his brother outside the door, and let out a long sigh.

Chen Jin said: "There are really not many customers who can think like Mr. Pan now. The vast majority of customers wish that house prices would fall back to the 90s all of a sudden1"

"It's best not to have money!" Pan Zhongyang suddenly laughed: "Those who don't have a house want the house price to fall, and those who have a house want the house price to rise, it's just the inevitable idea of those with vested interests." ”

"But if it really falls, Manager Chen, you should experience it the most, everyone will return to a wait-and-see state, and the trading volume will immediately return to a sharp decrease. ”

Chen Jin nodded: "Buy up, don't buy down." In the past two years, when the price rose wildly, the more crazy it rose, the higher the trading volume! This year, with a decree, the price has indeed fallen, but the trading volume has also fallen. ”

Pan Zhongyang agreed: "Look at it, according to my personal judgment, at most by the beginning of spring next year, the trading volume will rise first, and then the price will rise." Although it may be slow, it will definitely continue to rise. So I'm shooting now, it's a bottom-up!"

Chen Jin was stunned, but he didn't expect Pan Zhongyang to dare to say such a pre-judgment of the market?

He continued to talk to Pan Zhongyang a lot, and was surprised to find that the other party had a very thorough view of the market trend.

Chen Jin secretly said in his heart, this may be one of the witnesses of the crazy rise in real estate prices, right?

Before I knew it, more than half an hour had passed.

Chen Jin chatted with Pan Zhongyang more and more deeply, and he became more and more surprised by Pan Zhongyang's insights.

Finally, he asked seriously: "Mr. Pan, take the liberty of asking, what do you do?"

However, before Pan Zhongyang could answer, he heard Pan Bohai's voice shouting at the door: "Zhong Yang, Zhong Yang~"

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