Teacher Ma is crazy!

In her words, you have to borrow money from relatives and friends, and you have to borrow money from the bank anyway, so it's better to buy the best, and it's better to have a "one-step job"! A well-decorated house, even a parking space, you don't have to worry about other things besides repaying the money and repaying the loan, but you have to repay it until the Year of the Monkey when you borrow so much money at once?

The decision she made couldn't pull back the eight horses, and Han Chaoyang could only follow her to "go crazy".

smashed the pot and sold iron to buy a house for her son, not only Huang Ying was very moved, but even Dr. An was very moved, promising not to sell to other people, and even called the agent in person, saying that the house had been sold. If it weren't for the worry that Mr. Ma was not sure, he wouldn't even ask for a deposit.

In short, a real estate transaction with an amount of up to 2.6 million yuan was finalized.

The next step is to find a real estate agent with a good relationship and relatively cheap fees, because this is a second-hand housing transaction that involves a series of matters such as appraisal, and then find a bank to understand what procedures are required for the loan.

Housing prices in Yanyang are rising, and housing prices in Donghai are also rising.

Mr. Ma didn't dare to delay Dr. An to buy a house, asked what procedures needed to be prepared, took a long list, took several motion sickness pills in a row, and went to the Chengdong Bus Station to get a ticket to rush back overnight.

Buying a house should be a happy thing, but Han Chaoyang was not happy at all, sent his mother back to the police room, threw the remaining half of the box of cigarettes in front of Li Xiaobin, and returned to the inner room to open the cabinet and change into a police uniform.

"Han Da, what is this for?"

"Quit smoking, don't smoke anymore. ”

"Why?" Li Xiaobin thought was strange.

"Do I need a reason to quit smoking?"

"Then why don't you quit sooner or later, but now?"

Han Chaoyang sighed lightly, looked at him with a bitter face and said, "I can't afford to smoke anymore, I will be a house slave from now on, and I will have to tighten my belt and live a hard life in the future." You can't smoke, you can't eat and drink, you can save a penny, and you can't even buy mineral water. Don't call me when you meet and eat again, I can't afford this favor. ”

"Hahaha, Han Da, isn't it just to buy a house, keep the mortgage and pay it off slowly, as for saving money to be like this?"

"One million is no problem slowly, you know how much mortgage my family carries, not only the mortgage but also the money of relatives and friends, more than two million, I am afraid of people when I think about it, I don't know if I can sleep at night in the future. ”

"More than two million!" Li Xiaobin was taken aback.

"Well, so it's important to be frugal. ”

If you have a mind and no appetite, you can save this meal at night.

Han Chaoyang sighed secretly, put on his single police equipment and just walked out of the police room, called Grandpa Gu, who was eating in the cafeteria of PolyU, and called Li Xiaobin to go around Yangguan Village, when Huang Ying suddenly called.

Is it that Dr. Ann feels that he has lost money and regretted it, if that is the case, it would be great.

Han Chaoyang motioned for Li Xiaobin to drive, and at the same time held up his mobile phone and asked, "Eldest sister, what instructions do you have?"

"It's here again, can you speak human words!"

"Well, what the hell is going on. ”

"Your mom is gone?"

"Just left, the bus she took was not in our town, my dad was going to the county seat to pick up, and he might not be able to get home at 12 o'clock. ”

Facilitating a real estate transaction, Huang Ying was in a somewhat complicated mood, although it was not expensive to sell from the perspective of her best friend, but for the Han family, 2.6 million yuan was undoubtedly a huge amount of money, she had been thinking about it after eating, and couldn't help asking: "Chaoyang, your mother said to go back and demolish the house in her hometown, if it is really demolished, where will she live with your father?"

"There is a place to live, my house is now also a three-bedroom and a living room, it is a small property right house built in the town before, it cost 30,000 yuan at that time, and now I don't see much, it was a lot at that time, and it cost them several years of salary. Isn't there a shortage of construction land and industrial land now, and the real estate developed by the county town cannot be sold, so the peasants are mobilized to demolish their old houses and live in the city. ”

"I'm relieved to have a house to live in, I didn't expect your family to have several suites. ”

"You are from the city, you grew up in the city, and you don't understand what the house in your hometown means to us farmers. ”

"What a peasant, how did you become a farmer with two civil servants and a teacher in your family!"

"I'm still a farmer in my bones, and you don't understand what I said. ”

"Okay, I don't understand, but your mother is so good, she said she would buy it, and she didn't even call your father to discuss it. ”

"My mother is in charge, my father doesn't care about anything, and the salary will be handed over to my mother. Han Chaoyang looked back at Li Xiaobin, who was snickering, and continued: "I feel that my mother is not only you, the students in our town are all afraid of her, why are you calling her behind her back now, I don't know why I called her behind my back, when I was in school, my classmates nicknamed her leprosy behind her back." ”

"Leprosy?"

"Ma Fengying, pronouncing it in the dialect of our hometown is similar to leprosy. ”

Ma Fengying, leprosy!

The more Huang Ying thought about it, the funnier it became, and when she didn't know what to say, Han Chaoyang's words changed: "Yingying, you know, it's not so easy to get demolition compensation, you have to go through the procedure, and you can't get the money until the end of the year, so my mother plans to go to the credit union for a loan after I go back, whether I can get a loan, even if I can get a loan and when it can be approved, if Dr. An is in a hurry to use the money, if someone else is willing to buy it, sell it to someone else." ”

"Han Chaoyang, what do you mean by that?"

"I don't want to delay people to buy a house in Donghai. ”

"It's better to say than to sing, don't think I don't know, you're frightened!"

"People are poor and short-sighted, I was frightened, more than two million, carrying so many debts at once, in exchange for you, are you not afraid?"

"Han Chaoyang, Han Chaoyang, can you have some interest?"

Huang Ying really looked down on him a little, and said angrily: "Whoever buys a house without a loan, the rich are a minority after all." Isn't it more than two million, just pay it back slowly, the three of you make money, all have a housing provident fund, and the income is relatively stable, and it can be paid off in 30 years at most. Besides, there is a house here, don't bite Lu Dongbin who doesn't know good people's hearts, 2.6 million, you have made a lot of money, do you know. ”

"If you know you can make money, why don't you buy it?"

"I don't have any money, if I had money, this good thing would be your turn!"

"You don't have money, your parents do. ”

"My parents don't have any money, but my family has a mortgage. You don't just think about how much you owe, you have to figure out that this is a consumption concept and a way of life. ”

"Do you want to tell me that an old Chinese lady has saved up all her life and finally bought a house when she was about to run her last breath. An old American lady took out a loan to buy a house when she was young, and finally paid off the mortgage when she was about to breathe. How can the old Chinese lady lose, she worked hard all her life to buy a suite but didn't live much, although the old lady in the United States has repaid her life money, but she lives and enjoys it?"

"Isn't that so?"

"Eldest sister, I understand this truth, the key is not just my Han Chaoyang's personal matter, buying this suite will directly affect the quality of life of my parents for the rest of their lives. When people retire, they can go out to travel, eat whatever they want, buy whatever they want, can they, definitely not. Not only will they not be able to do it after retirement, but they can even imagine that they don't dare to spend more money now, and they will really eat bran every day. ”

Huang Ying paused for a moment and muttered, "I didn't expect you to be a filial son." ”

"It's not as good as you say, anyway, buying a house is like the sky falling for me, my heart is like something blocked, I can't sleep at night if I don't eat well, in the end, it's still a poor person. ”

Do everything you can.

Because of his own introduction, his family went out to buy An Jiahui's house, and their family's future quality of life will definitely be affected, thinking of this, Huang Ying felt like she had done something wrong, and she suddenly felt an inexplicable sense of guilt.

Han Chaoyang was about to strike while the iron was hot and ask her for help, ask her to help apologize to Dr. Anda, and ask Dr. Anda to play a double reed together to cancel the real estate transaction that had been confirmed by the buyer and seller, when a prompt suddenly came from the mobile phone, indicating that another call had come in.

It's just a police situation, Han Chaoyang didn't care about the house, and hurriedly hung up the phone to look at the caller ID.

I didn't expect my mother to call, and my mother called to pick it up.

"Chaoyang, I'm on the highway, I still have to call you if I don't worry. ”

"Mom, what are you worried about?"

"Don't worry about you, your father just called me, he called in the evening to ask Township Chief Yu, Township Chief Yu often runs to Yanyang, often goes to his son's house, and knows the bright future. People also said that the house could be bought for 2.6 million, and the rough house could be bought, and we bought it with fine decoration and parking spaces, and Dr. An really didn't make much money for us. I know you must be worried about borrowing so much money and borrowing so much, how will our family live in the future.

Don't worry, there's nothing to worry about, your dad and I don't have a low salary, we both have a housing provident fund, and we can do something else when we retire. He can raise fish as before, and I can run cram schools in the open when I retire. Your father and I can work for at least 20 years, not much in a year, and it should be no problem to earn 150,000 yuan, so there is no need to worry about this mortgage. ”

What you owe to others can be repaid, but how can you pay back what you owe to your parents?

Han Chaoyang was very moved and uncomfortable, and said in a choked voice: "Mom, in fact, we can buy a cheap house." ”

"Cheap is not good, good is not cheap, if you want to buy, of course you want to buy the best. How good the location is, how good the environment around the community, there will be a subway in the future, no need to think about decoration, even parking spaces, I like it! Don't think nonsense, work hard, and leave the rest to me and your dad. ”

"But, it's really unnecessary!"

"What is unnecessary, Chaoyang, buying a house is not your business alone, it is the business of the whole family, and the minority obeys the majority. By the way, I think Accountant Huang also likes that house, I not only like that house but also like Accountant Huang, you two work on the same street, both are civil servants, I think it's quite suitable. Be generous, take the initiative, you followed that when you were in junior high school...... That one...... I forgot what the surname was, anyway, you fell in love early when you were in junior high school, and I shouldn't need to teach these things!"