There is another thing that has to be mentioned, that is, the small three-bedroom house where my family lives now originally had a loan of 200,000 yuan?

Me, "......".

After all, I have earned a total of 600,000 yuan in the past five years, my mother and my sister gave us 60,000 yuan, 200,000 yuan to repay the loan, and 300,000 yuan saved, in fact, we have not spent 200,000 yuan on all expenses in five years.

Living in a city like Beijing, I really feel that this consumption is too little.

I haven't seen her buy any good clothes over the years, like clothes from more than ten years ago, and she often takes them out to wear them.

Sometimes I couldn't see it anymore, so I said to her, "Wife, you can also buy a few good clothes, we are not so short of money now, you dress beautifully, and I have face." ”

Whenever this happens, Jiang Xi will smile and say to me, "The clothes I will wear on my body are all good, don't I look good?"

That's not true, to be honest, she is still better looking than many well-dressed young girls, the clothes on her body, she doesn't say, others will never guess that she bought it from Taobao for dozens of yuan, a hundred yuan, and even some have been worn for many years, and they still look good on her body.

I can't argue with that.

Although she is no longer young, and the corners of her eyes have begun to have fine lines, although she often has two big dark circles because she stays up late to write manuscripts, and in the past two years, she has begun to lose her hair and insomnia, but in my eyes, she is still the most beautiful woman.

She also said, "I stay at home all day and don't go out, so there's no need to buy too expensive clothes, I can buy you two good sets to wear on important occasions." ”

I don't pay that much attention to dressing, not to mention that she doesn't buy expensive clothes, how can I have the heart to buy expensive clothes?

My clothes were also bought by her from Taobao, and the clothes, styles and fabrics she chose for me were very comfortable, so I didn't feel any shame when I went out to meet customers and leaders.

In terms of eating, Jiang Xi never loses our family of three, what do you want to eat, except for junk food, try to be satisfied, but she can make it herself, so she rarely orders takeout, she said that takeout is expensive on the one hand, and on the other hand, it is neither healthy nor hygienic.

I think that our family's 300,000 yuan was probably saved in this way under her diligent and thrifty way of keeping the family.

300,000 yuan, just enough for the down payment of a house of 900,000 yuan, my salary is okay now, and I still have more than enough living expenses, so ......

If you want to buy a house with a little money, it is probably the common idea of young people in our time, because investing in a house is really both insurance and a huge profit.

Therefore, for a week, Jiang Xi studied the house in Qiaobei, Nanjing, every day in addition to writing.

My eldest sister used the money from the divorce to buy a 60-square-meter single-room second-hand house in Nanjing two years ago.

My second sister made more and more money because of her second brother-in-law's boating, and they also bought a three-bedroom second-hand house of more than 120 square meters in the community near the eldest sister.

When Jiang Xi also wanted to buy a house in Nanjing, the eldest sister, the second sister and I all felt that we should buy with them in a community or a nearby community.

Jiang Xi listened to our suggestion and thought it was very good, if we all lived together in the future, the family could take care of each other.

However, after a week of research, she said, "We can't buy your eldest sister's or second sister's house together." ”

I immediately asked, "Why?"

She explained to me very seriously, " There are several reasons, first, I actually like to buy second-hand houses, because second-hand houses can see the real thing, when buying, I will feel steady, off-plan housing can not see, all accidents may happen in the future, but this time, we only have 300,000 yuan in hand, not suitable for buying second-hand houses, second-hand housing tax is high, in addition to paying taxes, we have a down payment of more than 200,000 yuan, which may be about ten square meters smaller than the house bought in advance, which is too cost-effective, and we are not in a hurry to buy this house, so we are more suitable to choose off-plan housing this time。 ”

"Oh!" I listened carefully to her explanation, but in fact, I didn't have a clear idea in my mind.

She went on to say, " Second, I have been chatting with several intermediaries for a long time in the past few days, and I can definitely come to a conclusion, the two communities that your eldest sister and second sister bought, the school district is not very good, we have children, we must choose a school district is not bad, in addition, now people are very concerned about children's education, the school district is good, is the first element of house appreciation, so, I decided not to buy a house near their community, I fell in love with a place a little farther away from them, a new real estate off-plan, Dahua Jinxiu xx house, although the primary school district here is not comparable with the school district of Gulou District in the city, but it belongs to the top two school districts in Qiaobei, I think it is worth buying, which has both residential value and investment value. ”

I listened to it and thought it made sense, I remember Jiang Xi said before, times are different, and now buying a house can not only consider the residential value, but also the appreciation value, as well as the value of the sale.

Naturally, I was persuaded by her, anyway, if she wanted to convince me, I could be persuaded no matter what, especially after the last time my family lost two million because of my interference, I didn't dare to oppose her idea blindly.

When I called my second sister about this decision, the second sister half-jokingly said, "You are so happy, you still have to write Jiang Xi's name in the house this time, right?"

The second sister didn't know that I was on hands-free, so she didn't know either, and Jiang Xi also heard what she said.

As my own sister, I hope that my family can write my name when we buy a house again, in fact, I can still understand this idea, but I think Jiang Xi will definitely feel uncomfortable when he hears it.

If I turn off the hands-free at this time, it will be even more useless three hundred taels of silver, so I quickly explained, "I don't have the ability to do it in this regard, and it can be better to let Jiang Xi do it, the relationship between the two of us, whose name is not the same." ”

Although the marriage law stipulates that the property of the husband and wife after marriage belongs to the joint real estate, the party whose name is written on the real estate certificate will always have a sense of stability, otherwise the husband and wife will divorce, even if the court decides, if the other party cheats, you have to ask the judge to enforce the other party to divide the house, which is very passive, if you write your own name and then divide your own house, it will be much easier.

But I have never been uneasy about Jiang Xi, so my name is written on the house, and I don't feel a little unsure, it's just that whenever my family talks about it, it is true that there will be a little bit of shamelessness.

The second sister then said unwillingly, "Little brother, you are a man, even if you are not capable, you should exercise, you should talk to Jiang Xi, let her give you a chance to exercise, you always don't exercise, of course the ability will never work, and everything is done by Jiang Xi, she is too worried, and she will be very tired." ”

"Okay, I know the second sister, I still have something to do, hang up first!"

I was afraid that the second sister would say something that Jiang Xi didn't like to hear, so I quickly hung up the phone.

As soon as I turned around, I saw Jiang Xi looking at me meaningfully.

I hurriedly said, "Wife, don't take my second sister's words seriously, I don't want to exercise any ability at all, just have you, I'll work hard to make money for you to buy a house, you just let it go." ”

Her words were probably warm to Jiang Xi, she walked up to me with a sweet smile, put her arms around my neck and said, "Actually, if you want to, you can also give you the opportunity to exercise this time, this time to buy a house to go to Nanjing, I have to take care of Jiang at home, it may be more convenient for you to go to Nanjing." ”

"Wife, you really don't have to think about it, I really don't care about this, can you still abandon me?"

Jiang Xi smiled brightly and said, "Actually, I can't blame your sisters for being unbalanced, the mortgage of my house is repaid by you with money, and the new house you are about to buy is also the down payment you earn, and then the loan, you still have to make money to repay the loan, I thought about it, I am actually a little too domineering, I have been writing for so many years on the street, you have raised me for so many years, and you have not made any strong complaints......."

That's because I don't dare to complain strongly, and she cries and fuss with me when she complains, as if she doesn't let her write, as if she won't let her live, how dare I have any big complaints? I really don't want to complain, but ......

"Oh, wife, what's the complaint, you are my dear wife, you see the house you chose, all of them have earned two or three million for our family, my colleagues in Huilongguan and Xierqi bought those houses, not at all our house has risen much, you are such a discerning wife, and never complain about the mistakes I made, what's wrong with me raising you all my life? It is my honor to raise you, it is the greatest achievement and happiness in my life!"

Emma! After saying this, my own face turned red, after so many years, the knowledge of sycophants is almost exhausted, Jiang Xi seems to be more and more able to resist sycophants, and I don't know if this wave of sycophants can make her feel comfortable.

As a result, Jiang Xi still eats this set very much.

"Hahahaha, husband, you're still so cute," she put one hand on my shoulder, looking like she was good with my brothers, and said with a ruffian face, "Seeing that you have been mixed with this palace for so many years, I will reward you with a house, this house in Nanjing, you can do it, you can take out a loan yourself, and write your name." ”

When I heard this, I couldn't believe it, but I said, "I really don't need to, anyway, the house in your name is yours, and you are mine." ”

Jiang Xi pinched my bun face and said, "Don't pretend, I don't know if you are so careful, I think it's time for you to exercise your ability, you have to fight, don't mess things up." ”

I pursed my lips and smiled very shyly and said, "Wife, I will definitely work hard." ”

"Good job!"

Me, "......".

There is always a feeling that I have been pinched in the hands of my eldest sister all my life.

I'm usually busy at work, so in fact, all things are still in contact between Jiang Xi and the sales lady in Nanjing.

One Friday night, I bought my train ticket, Jiang Xi prepared all the materials I needed, and then told me a few words.

"I have chosen all the houses, twenty 601, the house is a southwest side set, the permeability is very good, the pattern is also very good, the whole Ming north and south permeable house type. ”

I thought about it for a while and said, "The weather in Nanjing is different from Beijing, and the sun in Nanjing is very strong in the summer. ”

Jiang Xi smiled and said, "Don't look at me as a northerner, I also understand this, I have already studied, the east side of this building is a stinky ditch, but the west side is the greening in the community, the building is twenty floors high, so the lighting below the sixth floor is not very good, and there is also a building on the west side of the sixth floor, which is basically not exposed to the west, but because of the distance, it does not affect the lighting, not to mention the south, it is the best street garden in the community, so I think I chose the best house in this real estate hahahaha!"

When he said this, I also think she chose the best house, but I really don't know how she did it, no one came to the scene, the house was not built, just a few drawings sent to her by the sales lady, she saw everything clearly, I was thinking, maybe she was born to buy a house.

She also said, "All the documents that the sales lady wants you to sign must be carefully read and pay attention to see if there are any pits." ”

As soon as Jiang Xi said this, I was a little nervous, because I felt that even if there was a pit, I might not be able to see it!

But fortunately, Jiang Xi said in the next sentence, "Generally, such regular large companies and famous enterprises have no pitfalls, and their houses are not worried about selling, and I don't dare to buy the houses of small developers, so you don't have to worry too much." ”

In this way, I finally breathed a sigh of relief.

As a result, she added, "There's one thing that's very important that you have to remember." ”

"What's the matter?" I was nervous again.

"That is, when choosing a loan method, you must choose equal principal, not equal principal and interest. Jiang Xi told seriously

"Oh, what's the difference between the two?" I really don't understand.

Jiang Xi said, "Equal principal means that the repayment amount is higher at the beginning and the interest is gradually decreasing every month, while equal principal and interest means that the monthly repayment amount and interest are fixed until the day of repayment, and there is no change. ”

"What are the pros and cons of these two approaches?" I asked anxiously.

Jiang Xi said, "Take a loan of 600,000 yuan, a loan for 30 years, as an example, the advantage of choosing the same amount of principal is that the total interest is tens of thousands of yuan less than the equal amount of principal and interest, the disadvantage is that the amount of equal principal to start repaying is a bit much, all, which is more suitable for the repayment of people without pressure, if the repayment is under pressure, then choose the same amount of principal and interest, you can slow down some of the pressure, but the total interest is more than tens of thousands, and our repayment pressure is not great, so we must choose the same amount of principal." ”

After listening to it, I probably understood what it meant, but I was also a little dizzy, what is the equal amount of principal, equal amount of principal and interest, I thought, when the contract is signed to this point, I will call Jiang Xi again.

Because I was catching the train, Jiang Xi told me some little things later, and I said, "Okay, good!" but I didn't listen carefully.

Probably so big, although I haven't read a lot of books, but I haven't done anything big, I can finally do big things, to buy a house close to one million, and this time the house is still written in my name, my heart is a little nervous, so, all the way on the train, my heart is complicated and excited.

When I arrived in Nanjing, I took a taxi directly to the Qiaobei sales office, and met the sales lady who had made an appointment in advance, and the sales lady had already prepared the materials for signing the contract, but, because this day was the opening day, the people who bought the house, the crowds lined up, and the sales lady kept calling me, and I had to work hard to keep up with her footsteps from the crowd.

Finally she took me to a signing hall, where a lot of people were signing contracts, and she put all the materials in front of me and started asking me to sign.

She said, "Your wife has chosen everything, you just have to look at these contracts, and if there are no problems, just sign them." ”

So, in fact, I'm just an errand runner, so I don't have to worry about it at all, and with this recognition, my mood is also a lot more relaxed.

Mainly I'm telling the truth, I don't usually take the time to study, and I don't have the talent for this, and when I saw so many documents to be signed by the sales lady, my head was cloudy, so I didn't look carefully, and I signed what I was asked to sign.

At that time, the environment was very noisy, and the sales lady kept urging me to hurry up, and there were indeed many people who were in a hurry to line up to sign a contract to buy a house, so when she suddenly asked me, do you choose equal principal and interest for a loan?

I remember that Jiang Xi asked me to choose the equal amount of principal and interest, well!

I kept coming back to Beijing with my contract, and when I walked into the house, I was still full of confidence that I didn't make the wrong choice.

Therefore, Jiang Xi smiled and looked at the contract while saying, "Okay, you, when you grow up, you can do great things......."

Before she finished speaking, Jiang Xi's face changed, she pointed to a place on the contract and said, "Didn't I ask you to choose equal principal? Why did you still choose equal principal and interest?"

"Huh?" I was even more confused by his question, "Didn't you let me choose equal principal and interest?

Jiang Xi didn't say a word, and looked at me with Li Mochou's gaze.

I tensed up, and finally realized that I might really be wrong, oops, at that moment, I regretted it very much, I shouldn't have been affected by the sales lady's urging, I should have called Jiang Xi to confirm it in a hurry.

I lowered my eyes, not daring to look at Jiang Xi's eyes, and at this moment a nonsense story that my grandmother told me when I was a child appeared in my mind.

A long, long time ago, the status of dogs was higher than that of people, because dogs were very loyal, but people were not loyal, so at that time the mountain god said to dogs, "Go to the world, you must remember that dogs eat, and people eat......

The dog nodded obediently, "Thank you, mountain god, I remember." ”

The dog knows that it has a bad memory, and there are always people who say that it remembers whether it eats or not, so it is especially afraid that it will forget the orders of the gods, so it keeps chanting all the way: dogs eat, people eat, dogs eat, people eat, dogs eat......

"Ahh

What is the command of the mountain god: the dog eats ......