Chen Qiaoshan couldn't do anything about it, he knew that it was really difficult to explain the source of the money to Chen's mother.

Of course, Chen's mother is not an unreasonable person, but no matter what kind of mother she is, when facing her son, she often has little reason to say.

The father and son watched it for a long time, but they didn't come up with an accurate idea.

"Dad, how is it, which one do you like?" asked Chen Qiaoshan.

Chen Weiguo frowned and said, "There are a lot of suitable ones, but the price is not suitable." ”

It's all here, Chen Qiaoshan simply spread it out and said, after all, the car must be bought, and he also thought about the car loan, but it was just a thought.

Nowadays, the bank's attitude towards car loans is very cautious, and Chen Qiaoshan studied finance, so he is naturally clear in his heart.

In China, the default rate of car loans is the highest among all loans, and not long ago, the insurance industry completely stopped car loan guarantee insurance, and the risks can be imagined.

This is also a good explanation, although car loans and housing loans are both personal loans, but the two are very different.

Compared to a car, the house is fixed, but the former can run around, which poses a risk of loan evasion.

Moreover, the value of the house is constantly appreciating, but the value of the car is constantly depreciating.

The maximum repayment period of a car loan is five years, and from another point of view, it is not difficult to see that in the eyes of banks, cars are depreciating rapidly at a rate of 20% per year.

As a result, there is too much uncertainty about car loans.

It is very difficult for the Chen family to get a loan from the bank now, even if it is a credit union in the township, they have to use the house in the town as collateral.

"Dad, you don't have to worry about the price, as long as the car is suitable, I'll make it up for you if the money is not enough. ”

Hearing his son's words, Chen Weiguo was stunned for a while, but soon smiled and said: "It's tens of thousands, what are you kidding, I think it's better to forget it, and it will be half a year, how can it be enough." ”

Chen Qiaoshan couldn't help but smile bitterly, this matter was troublesome, he wanted to explain, but he couldn't explain it clearly when he thought about it, so he simply pulled Chen Weiguo to a self-service ATM on the side and inserted the bank card he was carrying.

"How much?" Chen Weiguo stared at the numbers on the display, his eyes widening.

Chen Qiaoshan said lightly: "More than 300,000. He almost complained about this, he made up his mind to pay attention to his own affairs, and sooner or later he had to let his family know, so he simply took this opportunity to solve it together, so as not to hide it in the future.

After a while, Chen Weiguo recovered from the shock, and he leaned in front of the display screen and counted it carefully several times, for fear that this was his son shaking himself.

Chen Qiaoshan is very helpless, there are quite a lot of ATMs in Yanjing these years, Dengzhou has not yet been fully popularized, and there are only one or two in the town, Chen Weiguo has naturally not been in contact, and it is not surprising that there is this reaction.

"Where did you get this money?"

Chen Weiguo's voice trembled a little, and it could be seen that he was very uneasy in his heart.

It is no wonder that at the beginning of the year, he was still working in a brick factory, receiving a salary of 600 yuan a month, which was the only support for the whole family.

Who would have thought that at the end of the year, his son would come back with more than 300,000 yuan, which is worth more than 40 years without eating or drinking, which makes Chen Weiguo, who is nearly fifty years old, feel very uncomfortable.

Chen Qiaoshan said: "Don't worry, I earned all this money and earned it by speculating in stocks." ”

"Stock speculation?" Chen Weiguo is no stranger to this word, but he really doesn't know anything about stock trading.

After the evening news, the provincial station will always launch some stock speculation programs from time to time, which is the most annoying, but even rural people do not have many unfamiliar feelings about stock speculation, but they are limited to knowing, as for what stock speculation is for, they don't understand it from time to time.

Chen Qiaoshan nodded, and then said: "Dad, I'm still not at ease, I definitely can't do anything illegal in school, besides, I studied finance, and stock trading is one aspect of learning." ”

Chen Weiguo's worries have subsided a lot, but he is still a little uneasy.

For this son, he is a little incomprehensible.

The son has always done his duty, but somehow, he suddenly became the provincial champion, and now he is going home with more than 300,000 yuan, so that he, who is an old man, has a dull face, and his hard income for half a year is not worth a fraction of his son's income, thinking of this, Chen Weiguo's face is a little more bitter.

Chen Qiaoshan saw his father's embarrassment, he said with a smile: "Dad, don't think about it, it's not too early, it's better to pick a suitable car first." ”

Chen Weiguo pondered a little in his heart, this is really the reason, no matter what, this is also his own son, Lao Tzu spends his son's money, and there is nothing to say about it.

When I had no money, I had a headache for money, but now that I have money, the father and son have a headache for the car.

For cars, Chen Weiguo is naturally a layman, and Chen Qiaoshan is no better.

Fortunately, in this year, people are still relatively realistic, and the bosses of several car dealerships recommended several similar models after understanding the needs of the father and son, all of which are two-row seats with good sales.

Even so, the Chen family father and son still made a difficulty, and there are still several models to choose from, and the prices are also different.

In the end, it was Chen Qiaoshan's idea to finalize a 02-year-old Qingling Isuzu.

Although his son was responsible for paying for the money, Chen Weiguo still put forward a different opinion: "No, this car is too expensive, more than 10,000 yuan more expensive than the Great Wall." ”

Chen Qiaoshan insisted: "Dad, just this one, you get what you pay for, this engine is still imported, and it also has air conditioning, you will go out to pick up work in the future, so you have a place to rest." ”

He is not a foreigner, the key is that this car uses RB's original 4J*b1 engine.

For 4J*b1, Chen Qiaoshan has also heard of it, this engine is the signature of RB Isuzu, since it was introduced into China, it has become the standard configuration of all kinds of light trucks.

Just turned around, Chen Qiaoshan found that most light trucks are equipped with this kind of engine, only Qingling is the original imported, anyway, this year, the original engine whether it is power or wear resistance, the domestic one is still not comparable for the time being.

Although it is a lot more expensive, but when it comes to this, Chen Weiguo is no longer hypocritical.

The father and son did not delay any longer, paid the deposit, finalized the pick-up date, said that the formalities and everything would be run by the car dealer, and the two left.

This car is indeed not cheap, Chen Qiaoshan estimated in his heart, and after paying the purchase tax and insurance, he would definitely not be able to get it without 100,000 yuan.

Maybe in the future life, 100,000 yuan is not worth mentioning, but in these years, this is really not a small number.

Chen Weiguo's driver's license has not yet arrived, and he can't pick up the car today, but it can be seen that he feels very radiant.

Although Chen Qiaoshan had long wanted to buy a car for his family, he couldn't be happy when he bought the car.

He knew that Chen's mother was not easy to fool, and the bonus had already aroused her suspicions, and she turned around and took out the stock speculation to talk about it, even if it was true, I am afraid that she would not be able to tell.