Liu Guonan: "It's not a psychological problem, it's just that I want to buy a house recently." ”

Ding Qi interjected: "Don't you already have two houses at home?"

Liu Guonan: "Actually, it's my parents who want to change houses......"

Liu Guonan belongs to the generation of only children, although his parents are also working-class, but there is no shortage of houses in the land-sitting family. His parents caught up with the era of welfare housing and later housing reform, and had an old house in the city center, and later used their savings to buy a new small house near Liu Guonan's workplace.

Liu Guonan's mother has retired, and his father will retire next year, and they plan to live with Liu Guonan after retirement. Of course, the longer-term plan is to wait for Liu Guonan to help her take care of the children after she gets married. However, Liu Guonan's new house that he bought before is a two-bedroom apartment with an area of less than 80 square meters, so I am afraid that he will not be able to live in it.

The old house is a three-bedroom apartment, but the location is a little far away from Liu Guonan's work unit, and the house type is a bit old, although the location in the city center is good, but it is surrounded by a commercial area, and the environment is relatively noisy.

Liu Guonan's mother has been going around for the past few months, and she has picked a big house near Liu Guonan's new house. It is a set of commercial and residential dual-purpose houses, with an area of 125 square meters, three bedrooms, two living rooms and two bathrooms, the kitchen is also very large, and the community environment is very good. Liu Guonan and his father also went to see it later, and they almost took a fancy to it at a glance.

The selling price of this house is 161 square meters, and the total price is exactly 2 million. Liu Guonan's parents regretted it, thinking that they should have done it in one step at the beginning, and directly helped Liu Guonan buy a big house, and now the savings on hand have also been used. Later, they discussed and sold the old house in the city center, and the price over there was high, even if they were in a hurry, the old house could be sold for 2.8 million yuan.

This is enough to buy a big house, and you can have an extra 800,000 savings on hand, even if you trade in the old for the new. But after thinking about it, they all felt that it was a pity, if the old house in the city center was kept, it might be more valuable in the future. Liu Guonan pondered selling the small house he lived in, taking the money to pay a down payment, and then repaying the loan every month, so that his parents' old house could be kept.

However, commercial and residential properties cannot apply for provident fund loans, only commercial loans, and the down payment ratio is at least 50%, and the maximum period is only 10 years. If 50% of the loan is 1 million, you will have to repay the mortgage of about 10,600 yuan a month, which is a bit of a big burden. Liu Guonan doesn't want to spend her parents' pension anymore, but her own income is not enough.

The family is undecided, so Liu Guonan really wants to find someone who understands and ask, how to make it more cost-effective?

After listening, Zhuang Mengzhou stared at Liu Guonan for a long time, as if she had a flower on her face? Liu Guonan was confused and said, "Mr. Zhuang, what's wrong with you, why are you looking at me like this?"

Zhuang Mengzhou: "After talking for a long time, you just ask me about this kind of thing?" Looking at his expression and tone, the meaning is clear - I am a dignified senior master, it is rare to help you calculate it for free, you just ask me this kind of thing, it is not worth counting at all!

Liu Guonan heard the meaning and explained: "Mr. Zhuang, this is a big thing for ordinary people. I don't need to be fatal, I just need to solve big things. ”

Buying a house is indeed a big deal for ordinary people, and sometimes even the most important thing. Zhuang Mengzhou said a little helplessly: "I'm not saying that this matter is not important to your family, but it doesn't need to be consulted at all, it's easy to solve, and it couldn't be simpler!"

Liu Guonan: "Oh, how to solve it?"

Zhuang Mengzhou: "Your family's current two houses, whether they owe loans or not, in whose name are they?"

Liu Guonan: "It's all in the name of my parents, including the small house I bought two years ago, and it's all in my parents' names, and they don't owe loans." ”

Zhuang Mengzhou: "That's too simple, in fact, as long as the old house has no loan, sell it!"

Liu Guonan: "This is the simplest, but our family thinks it's a pity to exchange a 70-year property right house in the city center for a commercial and residential house that is not located in the city center and only has a 50-year property right. ”

Zhuang Mengzhou: "I didn't say to sell it to others, I'll sell it to you!"

Liu Guonan was stunned: "Sell it to me?"

Zhuang Mengzhou: "Since you want to calculate, then take a pen and paper, and I'll do the math for you!"

Shang Ni ran into the study and brought paper and pen, Zhuang Mengzhou picked up the pen and said while writing: "I'll tell you step by step." The market price of the old house is 2.8 million, and it will be sold to you. You can apply for a CPF loan, and you can apply for it for 30 years. With a 30% down payment, you can still have 70% of the sale price left, which is 1.96 million. ”

Liu Guonan didn't react a little and said, "Where is 1.96 million?"

Zhuang Mengzhou glared at her. Only then did she figure it out, and she patted her head again and said: "There is one million and nine hundred thousand left, and with some money, you can buy that big house directly." ”

Zhuang Mengzhou then calculated: "Buy it in full, you don't have to repay the commercial loan." If you buy your parents' old house, the monthly repayment should be more than 8,000 based on the CPF loan for 30 years. Since the old house is not lived, there is no need to leave it empty, in the downtown business district, if you rent it out, how much can you rent every month? I am not a native of Jinghu, so I don't know the situation. ”

Liu Guonan replied: "My parents asked the agent, the rent of that place is high and easy to rent out, and the monthly rent can be tens of thousands!" Speaking of this, he stood up excitedly and said, "In this way, the money for monthly mortgage repayment will be available, and there will be savings in hand!"

Ding Qi reminded: "It's not just like that! Your family's old house is still in your own hands, which is equivalent to an extra house, and two sets have become three!"

Zhuang Mengzhou: "Do you understand? Actually, you don't have to spend a penny, and you don't have to sell the old house, you can have an extra house at home, and you still have money to earn every month." What are you still thinking about such a simple thing?"

Liu Guonan: "It's not that you don't have to spend a penny, you can save 1.96 million yuan when you take out a loan, and the full price of the house is 2 million, and then you have to add more than 100,000 yuan if you count various handling fees." It's a lot easier, and you can figure out how to make it up. ”

Zhuang Mengzhou sighed and said, "Why do you have to think of other ways to make it up? Since it is your own business, why do you have to sell it for 2.8 million?"

Liu Guonan was not stupid, and immediately reacted: "Yes, I can sell it for three million, and seventy percent of the loan is two million and 1 million, so it's all enough." ”

Zhuang Mengzhou put down the pen in his hand, shrugged his shoulders and said, "Isn't this solved!"

Liu Guonan felt a little unbelievable and said: "You don't have to spend a penny, you still have to earn every month, and you have an extra house in the family, which is also amazing!"

Zhuang Mengzhou: "What's so amazing about this! It's just the simplest kind of finance, what do you think those who engage in finance are doing every day?"

Liu Guonan smiled a little embarrassedly: "I thought that finance had nothing to do with us ordinary people, it was all a matter of financiers." ”

Zhuang Mengzhou: "Why doesn't it matter? Isn't the job of a financier just to think about the money in everyone's pocket?"

Liu Guonan picked up the A4 paper on the table and looked at it for a long time, and finally believed that the plan was feasible, so he folded it and put it away, and said to Zhuang Mengzhou: "Thank you so much, you have solved a big matter in our family!"

Zhuang Mengzhou waved his hand and said, "No thanks, it's a trivial matter!"

Shang Ni interjected a little unconvinced: "Mr. Zhuang, are you a fortune teller or a counter?"

Zhuang Mengzhou asked rhetorically: "Then what do you say? The so-called divine arithmetic is to give people guidance and maze, and fortune telling can also be used in arithmetic, are these numbers not counts, do you have to arrange a Ziwei bucket to count?"

Liu Guonan also nodded seriously and said: "Master Zhuang is so right! No matter how you calculate it, it is the magic calculation that can solve the problem." You helped me solve a big problem, I must thank you very much!"

Ding Qi smiled: "You're welcome, Mr. Zhuang is free today." ”

Liu Guonan: "That's not good! In this case, I'll invite you all to dinner." ”

Zhu Shan smiled and said, "Okay, I haven't done it at noon, so I'll save the dishes I bought for the evening." ”

Liu Guonan really invited everyone to lunch, and he was looking for a restaurant nearby, no more, no less, exactly ten people. On the way to the hotel on foot, Ding Qi whispered to Zhuang Mengzhou: "Mr. Zhuang, I seem to have seen a similar case in that book. ”

Zhuang Mengzhou: "There are a lot of such things! Since you know, you should let you help her calculate, people are originally looking for you." ”

Ding Qi: "Then how to do it, they all depend on how you tell people's fortunes." ”

During the meal, everyone expressed their gratitude to Liu Guonan, and sent things and treats. Ding Qi asked: "The benefits issued by your unit are really special, they are all such heavy things, how can people move them?"

Liu Guonan: "It's not our unit, it's the customer who sent it to our department." By the way, I also met an acquaintance in the customer unit, his surname is Tian, he claims to be your second brother, and he calls you Xiaoqi!"

Ding Qi: "Tian Rongping, that's indeed my second brother, we have a dormitory in college, he is the second, we have the best relationship, this person is really good......

Liu Guonan: "People are really good, I was not very good at dealing with people, but as soon as I heard him mention you, I felt very familiar with it, and then I invited him to dinner, but in the end he resolutely settled the account......

The two chatted about Tian Rongping at the wine table, and Ding Qi specially told Tian Rongping a lot of interesting things, and chatted happily with Liu Guonan. When he said goodbye after eating, Ding Qi also said: "I'll invite you to eat with Tian Rongping another day!"

Liu Guonan drove her own car, a family car of more than 100,000 yuan, which she saved money to buy after joining the work. Seeing Liu Guonan drive away, Ding Qi walked back to the hall, and Xian Hao asked, "Teacher Ding, are you acting as a matchmaker for your classmates?"

Ding Qi was stunned: "Uh, did you hear that?"

Shang Ni interjected: "Except for Liu Guonan himself, everyone at our table heard it. You said so many things about your classmates, and you picked out the interesting ones, and they all secretly held them and said them, isn't it obvious?"

Ding Qi smiled, which was a tacit acquiescence. Xian Hao said again: "This Miss Liu's house problem is solved, but we also have a house problem to solve here." So many of us are active in the backyard every day, and we often stand at the gate of the yard in the middle of the night. The next-door neighbor has long been curious, and often looks through the window to see what we are doing?"

Ye Xing nodded and said, "Senior Sister Xian is right, now it has aroused suspicion, and people came to ask this morning." In the future, if Xiaojing Lake is opened, so many of us will be in and out, and it will be easy to be discovered. Neighborhood problems do have to be addressed, and as early as possible. ”

Zhu Shanxian: "The small building in the east has actually been solved. The head of the household is my old neighbor in Nanlan Town, and my child immigrated to Australia and took the old couple over. I said I wanted to find a storeroom to put something, and they rented the house to me, originally saying that I didn't want rent, but I still insisted on paying rent, and signed a five-year long-term lease agreement, which was last month. ”

Fan Yang: "Senior Brother Zhu has been prepared for a long time." ”

Zhu Shanxian: "After Ah Quan found me here, I began to prepare. As for the building to the west, the head of the household is Song of the Municipal Urban Construction Bureau, and his son and daughter-in-law now live here. It's easy to solve, as long as Mr. Ding comes forward, it can be done. ”

Ding Qi: "Let me come forward and rent the house? If that's the case, wouldn't it be better for you, the mayor, to come forward?"

Zhu Shan shook his head and said, "No, no, no, the entrance to Xiaojing Lake is here, I mean once and for all, Teacher Ding just buy the small building next door." ”

Ding Qi was surprised: "Buy it, although the housing prices here are not as expensive as in the city, but a small building costs at least two million, how can I have so much money?"

Zhu Shan smiled idly: "To be exact, it is two million and eighty thousand, which is the latest transaction price of the intermediary." I asked Mr. Ding to buy a house, but I didn't let Mr. Ding spend his own money. Of course, it's not appropriate for me to do something like this, after all, I'm in officialdom. ”

Tintzy: "Did you pay to buy it in my name?"

Zhu Shanxian's smile was a little incomprehensible: "You misunderstood, no one has to spend money, because Director Song will not ask you for money at all." Congratulations to Mr. Ding, we have bought a small building here, and we will be neighbors in the future. ”

Ding Qi suddenly remembered that when Zhu Shanxian gave him the key to the upstairs guest room, he once said: "Teacher Ding really loves life and is very interesting! In this case, in a few days, you will also build a small building next to it, and you will arrange it yourself like this in the future......" (Note: See Chapter 047)

Zhu Shanxian used an affirmative tone at that time, not a hypothetical tone. Ding Qi only thought that this District Chief Zhu was joking, and didn't care, but he didn't expect him to be serious, and he had premeditated!

Ding Qi was puzzled: "I don't know that Director Song, why did he give me a villa for nothing?"

Zhu Shanxian: "Director Song has a lot of real estate, and it falls under the names of different people, a small suburban building of more than 2 million yuan is nothing to him, and it will be very happy...... Teacher Ding, you come upstairs with me, and we'll talk alone. ”

When Zhu Shanxin and Ding Qi were talking alone in the upstairs room, in the living room downstairs, Tan Hanchuan was explaining slowly to Shang Ni, who looked puzzled: "You know, I am a researcher at the Institute of Biomechanics of the Chinese Academy of Sciences. ”

Shanny: "I know, but what does this have to do with Mr. Ding's purchase of a house?"

Tan Hanchuan smiled very honestly: "Don't worry, you will understand when I finish speaking, in the field of biology, the most popular direction now is genetic engineering, do you know what genes are?"

Shanny: "I know, deoxyribonucleic acid, or DNA for short, contains a genetic code. ”

Tan Hanchuan: "If DNA wants to replicate its own information, it needs a medium for transcription, which is ribonucleic acid, or RNA for short. For example, RNA is required for transcription to divide new cells and synthesize various proteins. If we use officialdom as an analogy, DNA is equivalent to a set of system rules that have been formulated a long time ago, and RNA is the executor, so that the whole system can operate......"

The rest of you already understand what's going on. Including Ye Xing, who has not been tired of the secret, is actually a qualified person who flows through the rivers and lakes, and after listening to Zhu Shanxian's words, he has already reacted. But at this moment, seeing that Tan Hanchuan said something interesting, and even talked about genetic engineering, everyone was also very interested in coming over to listen.

Tan Hanchuan: "In the process of genetic transcription, not all RNA can play a normal role, and there are many RNA molecules that will show non-coding sequences, which will lead to a series of genetic problems, which we call RNA interference mechanism.

The latest discovery in genetic research is that there is also a very special class of RNA, named non-coding RNA, which researchers call dark matter in nucleic acids. It's hard to say what it does, but if the non-coding RNA is abnormally expressed, it can affect normal genes. ”

Shanny: "The opposite?"

Tan Hanchuan: "It's still being studied, and on the surface, if something goes wrong, it may inhibit the normal function of a specific gene segment. If there is an imbalance in the regulation of non-coding RNAs, it can lead to serious diseases. ”

Shanny: "What serious illness?"

Tan Hanchuan smiled: "It's not easy to say...... Senior sister, do you understand?"

Shannie suddenly realized, "Oh, I see!"

Shi Buquan gave a thumbs up and said: "It's still Senior Brother Tan, who is really easy to understand." ”

Xian Hao smiled faintly: "Easy to understand is easy to understand, but it may not be popular." ”

Almost at the same time, in the upstairs room, Ding Qi was surprised: "Isn't this extortion?"

Zhu Shanxian shook his head again and again and said: "Of course not, it's just official business! You know it? You call Director Song directly, first introduce yourself, and then say that you have taken a fancy to his house and want to buy it." The reason is that you like the scenery and the air.

As for other things, you can answer whatever he asks, and you can tell the truth. Remember, you are just buying a house, and don't say even a word of threat or hint!"

Ding Qi: "That's it, are you sure that Director Song can give me the house for free?"

Zhu Shanxian sighed and said, "Brother, you are not in the officialdom, many things are not clear, and it is difficult for me to say it too clearly." Although Vice Mayor Jiang Jiachu has entered, it is impossible to promote or promote anyone again, but if you want Director Song to be unable to do his current position or send him in, it can still be done. ”

Ding Qi: "But I have nothing to do with Jiang Jiachu, I just gave him a psychiatric evaluation! How can Director Song conclude that Jiang Jiachu told me something, and then I asked him for a house as hush money?"

Zhu Shanxian waved his hand again and again: "This kind of words, you don't even mention a word when you get out of this door! It doesn't matter what Jiang Jiachu has to do with you, since you dare to find Director Song and introduce yourself, he will inevitably think that it has something to do with it." This is the way of thinking in officialdom, like the genetic code recorded in the genes!

Before Jiang Jiachu was formally sentenced, who had the most time to have private contact with him and talked with him? Who talked to him the most about his parents, his emotional life, and his professional experience? Who had the most in-depth conversations with him, who could directly grasp his mental state and ideological dynamics, and spent nearly a month before and after? This person is you!

And you are not a case officer of discipline inspection, but a psychologist...... Now Mayor Jiang has gone in, but Song Mingjie is fine, why? As long as you finish this call, I'm afraid you will know some reasons. ”

Ding Qi was still suspicious: "District Chief Zhu, are you the heir of the Juemen or the heir of the Shocking Sect?" How do I feel that you are like a fortune teller, just pinching your fingers, and I expected that as long as I made such a call, Director Song would give me the house. What if he doesn't sell it, or if he does, he doesn't want to give it away?"

Zhu Shan said with a smile: "The eight gates of the rivers and lakes have the same threshold. You just think I'm telling fortunes, and make a confirmation, to see if I'm accurate? Just make a phone call, and don't lose anything! If he doesn't want to sell or don't want to give it away, then we can think of another way. ”

Ding Qi: "Are you sure that Director Song already knows who I am and what I have done?"

Zhu Shanxin: "It's all said to this extent, Teacher Ding don't doubt it anymore." What do you think that neighbor Xiao Tao is here to do this morning? This is not a New Year's Day, no festivals, no treats, no gifts, just come to say hello? Why don't you usually see her having this leisure to take care of my family's affairs?

Director Song must have heard that I was having a party here and wanted to grasp the situation, so he called his daughter-in-law to come over and ask. I'll move you out and tell you who you are. Xiao Tao must have told her father-in-law about the situation when she turned around, and Director Song was playing drums in his heart at this moment. You made a phone call and said that he had taken a fancy to his house, and he was relieved to give him the house!"

Ding Qi muttered: "If, I mean, if that Director Song commits an accident in the future and is also sent in, in case he confesses this matter again, then what should I do?"

Zhu Shanxian looked at him and said, "Is there anything wrong with you? Even if he commits something and is found out, it can't be your business!

Dingzi: "Call now?"

Zhu Shanxian shook his head again and said, "Don't fight here with me, go to the place where you usually work." ”

Everyone in the hall chatted for about twenty minutes, and saw Zhu Shanxian and Ding Qi coming down. Shanny leaned over and asked mysteriously, "Is the little building next door done?"

Zhu Shan smiled and said, "It's done, just wait for Teacher Ding to call when he goes to work on Monday." ”

Shanny was a little disappointed and said, "Do you have to wait until Monday?"

Zhuang Mengzhou said: "Isn't it the day after tomorrow! I just said don't worry, why can't you bear it?"