At this time, Wu Yong's parents also came up curiously to take a look, and Wu Yong smiled at them: "Mom and Dad, this house is much cheaper than that one! All of them are calculated, only a down payment of more than 730,000 yuan." ”

"Really?" Wu Yong's mother was pleasantly surprised: "Isn't the money saved directly for decoration?

Then her mother said to his father, "You should go back tomorrow and get the money." We must decorate Ah Yong's new house beautifully, so that he won't pick so many thorns when he talks about it in the future!"

His father replied with a smile on his face.

But when Wu Yong heard his mother say this, he said rightly: "Mom! I won't get married anyway, so I'm not in a hurry to live, so let's slow down the decoration." You can keep your own pension money. ”

He continued: "I plan to buy the house, spend a little money to renovate it, and then rent it out. In this way, the rent can be used to subsidize the loan. ”

"Ah Yong!" his mother patiently persuaded: "You don't want to look at what kind of environment you live in now? Since you have bought a house, why don't you move in? Aren't your parents working hard all their lives just to make your life better? Money is all outside the body!"

"No! I've decided on this, so I'll do it! I can't touch a cent of your pension money!" Wu Yong said stubbornly.

Before, it was because of Jiang Li's bewitchment that he reluctantly accepted the last gift from his parents, or drank the last mouthful of his parents' blood ruthlessly.

Now, since there is no financial pressure and the marriage is not in a hurry, he is absolutely unwilling to do this.

Huang Mian watched a family of three arguing with each other on the side, and he felt a lot of emotion in his heart.

Wu Yong's family of three, his parents insisted on giving it, but his son insisted on it. Although it is arguing, what is revealed in it is the kind of love that parents have for their children completely gratuitously, without asking for anything in return.

And Wu Yong is indeed filial. I'd rather continue to live in a small rental house than ask for my parents' pension money.

Compared with......

Huang Mian remembered the absurdity of his fake marriage and defrauding his property, and the remorse in his heart was even stronger than before.

But even so, didn't his parents give up on themselves? The so-called pity for the hearts of parents in the world, Huang Mian really understood some of the heaviness in this sentence at this moment.

"Hey, if only my dad hadn't gone bankrupt. Then I can help their family. ”

Huang Mian silently walked up to Chen Jin and whispered to him.

Chen Jin looked at him and said disdainfully: "It's just generous to others." Feelings are not the money you earn back by yourself, so you don't know that you are distressed?"

Huang Mian was stunned for a moment, and then he was speechless. After all, after such a short period of time, his thinking could not be completely reversed all at once.

When he really needs money, the first thought that pops up in his mind is still "looking for Dad"!

Chen Jin smiled again: "Do you understand that helping the poor is not helping? Because there is no cure for the poor disease." If it was just money, do you think I won't be able to take out the hundreds of thousands?"

Huang Mian nodded in understanding, but still said: "But seeing their family pushing for this money like this, I really feel uncomfortable." ”

"Nonsense, do I feel good in my heart? Help, naturally I want to help. But there has to be a way. Chen Jin said.

Huang Mian looked at Chen Jin in some surprise, not understanding what kind of help he had?

I saw Chen Jin step forward and smile at the family: "Okay, okay, don't fight, I have a way to let you buy the house safely, and you can also have money to decorate!"

"Really?" the family was pleasantly surprised.

Chen Jin nodded and said to them, "Let's sit down first." I'll explain it to you slowly. ”

Then the family followed him into the small conference room, and Huang Mian also followed him in to find out.

Seeing that everyone was sitting down, Chen Jin explained: "In fact, the method is very simple, as long as the total price of the house is higher, borrow more, and let the landlord pay it back to you when the time comes." ”

"How does this work?" Wu Yong wondered.

Chen Jin smiled and began to analyze him carefully.

The method he used was naturally the old way of cashing out loans with high housing prices.

This house is 75 square meters, and the unit price is only 30,000 yuan. However, according to the proposed transaction price of Qinghe Yuan and Bihai Xuan in the Housing Authority, the unit price can reach 33,000, 34,000 or even higher.

Chen Jin's advice to them is not to be too high. The total price of 2.5 million is a reasonable range.

Although this will increase Wu Yong's down payment of 75,000 yuan, it will allow the landlord to bear the taxes.

According to the transaction of 2.5 million, the tax is about less than 100,000. Then 2.5 million minus the 2.25 million due to the landlord, and then minus about 100,000 taxes and fees, there is still about 150,000 cash left back to Wu Yong's hands.

And in this way, Wu Yong's actual down payment was only 750,000, which was only more than 10,000 more than his original down payment.

With 150,000 yuan in cash, the house of 75 square meters is enough to be comfortably decorated. Not to mention that Wu Yong's original down payment of 800,000 yuan can still be left with 50,000 yuan.

After listening to Chen Jin, Wu Yong's face already showed a smile.

Indeed, although this method is simple, for people who have not been exposed to real estate, they will not think of opportunism in this direction in any way.

But Wu Yong's parents are still a little worried!

His mother asked, "If you borrow so much money, won't Yong have to repay a lot of money every month?"

"Auntie. Chen Jin patiently explained: "I have already calculated. If Mr. Wu makes a deal according to the normal 2.25 million yuan, the loan is 1.575 million yuan, and the monthly repayment amount is 8,359 yuan. ”

He continued: "And if it is a transaction of 2.5 million, the loan is 1.75 million, and the monthly repayment is 9,287 yuan. Although there is an extra repayment pressure of about 900 yuan per month, the cash is in hand. Nowadays, there is no formal way to borrow interest that is lower than the mortgage interest. This is already the most cost-effective option. But how to choose, your family should discuss it. ”

After Chen Jin finished speaking, he looked at Wu Yong's family and stopped persuading. He only provides the method, and in the end they have to make their own decisions.

Although Wu Yong doesn't look like the kind of person who can settle accounts after the autumn, it is always right to be careful. No one can choose how to go on someone else's path.

Otherwise, if the other party repents afterwards, he will blame Chen Jin!

After listening to Chen Jin's words, Wu Yong's parents were still thinking, but Wu Yong himself smiled and said, "Great, then let's do it!"

He then said to his mother, "Mom, don't worry. Manager Chen has provided the most perfect solution. It's only 900 yuan a month, and your son's monthly salary is more than 20,000 yuan!

"Ah Yong, this ......"

"Alright, Mom! Wu Yong said.

However, he turned his head and asked Chen Jin again: "It's just that the landlord wants to pay me back the money I borrowed, is he willing?"

"Mr. Wu, don't worry. You came all the way to me because you trusted me, and I can't live up to it. Chen Jin smiled: "Actually, I have already mentioned this method to the landlord before I asked for your opinion just now, and he promised to cooperate completely." ”

Hearing him say this, Wu Yong couldn't help but get up and bow to Chen Jin, and then bow to Huang Mian, and said sincerely: "Manager Chen, it's really my blessing to meet you and Xiao Huang! You not only helped me get out of the fire pit, but also saved me so much money, I really don't know what to say!"

"No, I don't. Chen Jin also hurriedly got up to help him, and said with a smile: "Mr. Wu, you are a real person, and you are a good person." Good people will always be rewarded. ”

As he spoke, he winked at Huang Mian.

Huang Mian also reacted immediately, Chen Jin's words......

It seems to be for yourself!

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