The house is too big!

Mu Dong and Xiao Xiao's budget is 80 to 100 square meters, 40 to 500,000 yuan. Pen, fun, and www.biquge.info

This house has three bedrooms, two living rooms and two bathrooms, and an area of 120 square meters.

There is also the price, the two of them looked at the second-hand houses for two days, and the prices were basically below 5,000 per square meter. The reason for this house is that the house is worth 5,500 yuan per square meter, and the reason is that the well-decorated house is worth the price.

Mu Dong looked at Xiao Xiao's happy appearance, and secretly decided in his heart that he must buy this house.

Mu Dong also likes this house very much, regardless of the location, the community environment and the room decoration, he is very satisfied. Moreover, this house meets all of Xiao Xiao's vision for the house. Live at the foot of the mountain - open the window is the Ten Thousand Buddha Mountain. You can hear birds chirping - across the road is Wanfoshan Park.

What's more, he knows that the price of the house will rise soon, and after March next year, this house will not be able to hold 8,000 yuan per square meter.

Mu Dong thought nervously.

First of all: the house is sure to be bought, there is no doubt about this;

Second: try to convince the homeowner to accept the mortgage. For homeowners, cash and mortgage, but the cash payment time is faster, the procedure is simpler, in fact, the price is the same. It takes about a month more than a month for the mortgage to be paid.

Third, if you can't get a mortgage, you can pay it in full, but you can't use the loan part of the Agricultural Bank of China in your yard funds to buy the house. In this way, there is no problem, it is nothing more than that the funds in the yard are less, and the profit in the later stage will be reduced accordingly, but it will not affect the income of other investors.

Mu Dong made up his mind, he shook Xiao Xiao's hand vigorously, and said softly in her ear: "Daughter-in-law, don't worry, with me, I will definitely buy this house for you." ”

As he spoke, he turned to the owner and said, "Uncle, let's talk." ”

The two entered one of the rooms, which looked like a study, and Mu Dong handed the owner a cigarette, lit it for him, and lit one himself. opened his mouth and said, "Uncle, are you old this year?"

The old man said: "I am 60 years old, I belong to the ox, and I have worked hard all my life." ”

Mu Dongdao: "Then you really don't look like it, my father is 53 years old this year, a rural person, and he looks much older than you." "Let's pat the ass first, let's get close.

The old man said, "The young man is also from the countryside? It's not easy, you have the strength to buy a house at this age, it seems that you are working hard." ”

Mu Dong said: "How can you have any strength, it's all pieced together, not much money, no, I want to ask you for a favor, a few days of grace, let's take a mortgage, do you think it's okay?"

The old man said, "That Nizi is your object, right? This house was also bought to get married?"

Mu Dong said: "Yes, isn't it just for planning to get married, we are still young and still working hard, uncle, you can help, a few days of grace ......"

The old man sighed and said, "Young man, every family has a scripture that is difficult to read, and I will tell you the truth." My son, who went to college and found a girlfriend of SH, is obsessed with his mind, and he has to go to SH to develop, isn't he just going to go to that SH's Nizi? No way, the child's wings are hard, and he can't manage it. Besides, SH does have more employment opportunities than Quancheng, and the salary is also higher, but the housing price is higher. Therefore, as a last resort, I sold this house and bought him a house in SH, which was not enough, and I was still short of a lot of money. ”

After speaking, he sighed heavily, took a cigarette, and then said: "The house over there is almost over, and I am in a hurry to pay the money, so I am in a hurry to pay the full amount, young man, you can bear more." If you really can't do it, you look at other houses, you just joined the work, and it's not easy. ”

Mu Dong knew that there was no play.

After pondering for a while, Mu Dong then asked, "Uncle, if you buy this house in full, can it still be cheap?"

The old man was a little surprised, and said, "The full amount is more than 600,000 yuan, young man." ”

Mu Dong said: "I'll think of a way, try to make it up, you give me three days, I can't make it up." ”

The old man said: "Three days is three days, if you pay in full, I will give 100 yuan per square meter, and at the same time, I will give all these furniture and appliances in the house, how about it?"

100 yuan per square meter, 120 square meters is 12,000 yuan, furniture and household appliances, how can it be worth one or two thousand, this strength is indeed not small.

The old man was also anxious, the house had been hanging out for seven or eight days, just someone watched, no one bought it, and when he asked if he could get a mortgage, his son urged him over and over again in SH, so he simply gritted his teeth and gave up a piece.

Mu Dong said, "Uncle, thank you." In this way, I will pay you a deposit of 10,000 yuan, and for three days, you keep this house for me, and if I don't come for three days, I don't want 10,000 yuan, it will be yours. ”

Mudon must buy the house and need to lock it up in advance.

The old man was not polite, took the money, and said, "Okay, that's it, I'll give you a receipt." ”

After speaking, he found a pen and paper, asked Mu Dong's name clearly, brushed it for a while, and wrote the receipt.

"Today, I received a deposit of 10,000 yuan from Mu Dong for the purchase of the 301 house in the second unit of Building 10, No. 10 Telecommunications Community, ×××No. ×× Road, which is valid before October 22, 2008 and will not be refunded after expiration. Beneficiary: Ji ××Date: October 19, 2008"

took the receipt and looked at the word "deposit" on it, Mu Dong thought to himself, this uncle is a person who understands.

Seeing Mu Dong put away the receipt, the old man said again: "Xiao Mu, today is not counted, I will wait for you for three days, at most Wednesday, if you don't come, I really earned you 10,000 yuan." ”

Mu Dong said: "Look at what you said, I'll try to make you earn more." ”

The two of them laughed.

The old man continued: "There is one more thing, the ground floor of this building is with a garage, and I also have a garage, 5.5 meters long and 3 meters wide, 16.5 square meters, and the price is 6,000 per square meter, which is 99,000. This garage, with a ceiling height of 2.3 meters, has an independent house, if you want it, it will be given to you first. If you don't want it, there is a car owner in the community who wants to buy it, and I will sell it to him. ”

Mu Dong thought to himself: Of course I want to, I still want to ask you, I saw a garage downstairs just now, don't you say it, I thought your family didn't buy it before.

There was some embarrassment on his face: "Uncle Ji, I really want it, but the money is really tight, can you give in a little more?"

The old man thought for a moment and said, "Ninety-five thousand, no matter how low it is, I won't sell it to you." ”

Yes, save another four thousand.

Mu Dong said: "Okay, I want the garage too, and there are more than 90,000 more." ”

After negotiating, the two came out of the study, and Mu Dong said goodbye and left.

Coming downstairs, Mu Dong said to Xiao Xiao as he walked: "The owner is in a hurry to use the money and can't take out a mortgage, let's think of a way." ”

Mu Dong decided that even if he used the funds from the yard, he would buy this house that Xiao Xiao and he liked. Once you miss such a house, it will be difficult to come across it again.

At this time, the young man of the intermediary suddenly interjected: "Brother Mu, in fact, this matter is not difficult to do, our company can help you solve it." ”

The young man's surname is Wang, and Mu Dong was a little puzzled: "Xiao Wang, how can you help me solve it?"

Xiao Wang said: "Our company can buy this house in full at the current price, and then sell it to you with a mortgage." Rest assured, we don't make a difference, we only charge interest on your funds during the mortgage period. ”

Mu Dong said: "This is a solution, how much interest does your company charge?"

Xiao Wang said: "We charge 1.5% of the full price of the house, assuming that if your house is 600,000, we will charge 9,000 until you complete the mortgage procedures." ”

Mu Dong thought to himself, it's really a lot, and he has now decided to buy it in full, so he doesn't care much. casually said: "Your company's business scope is really wide enough, I thought you were just an intermediary." ”

Xiao Wang was a little excited: "Yes, we have a lot of business, intermediaries, mortgages, mortgages, mortgages, we do .........."

Home Mortgage !!

Mu Dong's mind suddenly shook.

Mu Dong felt that a wide door suddenly opened in front of him, and the world suddenly became wide and bright!

Yes, home mortgages, why didn't I think of it!

All the problems are completely solved at this moment!

Mu Dong looked at Xiao Wang and thought, brother, you are really my mascot.

Mu Dong was happy and asked Xiao Wang: "Isn't the bank doing the mortgage loan, how can you do it?"

Xiao Wang said: "The bank procedures take a long time, and it also restricts the use of loans. Many bosses need capital turnover, and in order to get the funds as soon as possible, they are looking for us to handle it. We are strict, in fact, it should be called a house mortgage loan, which is very fast, and the loan is disbursed on the same day. ”

Mu Dong smiled: "Then your interest must be high." ”

Xiao Wang said: "The bank's one-year loan interest rate is 7%, and our one-year loan is 10%, which is slightly higher. This is a legitimate private loan interest and is protected by law. ”

Mu Dong: "Seeing what you said is so lively, if I need a mortgage in the future, I will look for you." ”

Xiao Xiao and Xiao Wang wondered, chatting about buying a house with a mortgage, why did they talk about mortgages.

Mu Dong's previous thinking has always been to buy a house with a mortgage, and then save part of the winning funds and invest them in the yard to make profits.

This idea cannot be said to be wrong, but it ignores the yield of the yard, you know, the yard's income in the next few months will be doubled at the minimum.

This brings us to the question of the efficiency of the use of funds. If you buy a house, you can't use it in the yard, and you can't buy a house if you use it in the yard.

Now, a mortgage is the perfect solution to this problem.

Mu Dong can allocate funds and pay the full amount to buy the house.

Then mortgage the house, for example, 600,000 yuan.

The 600,000 can be put into storage yard operation immediately, and in a few months, it may become 1.2 million or even more.

A 10% interest on a loan is really cost-effective compared to more than double the expected return.

Mu Dong called it a beauty in his heart. I didn't look at the house below. Separated from Xiao Wang and went home directly.

On the way, Mu Dong briefly explained the process to Xiao Xiao. Xiao Xiao listened a little big, but finally understood.

Mu Dong's decision, Xiao Xiao unconditionally supported. And he said that he had about twenty-five thousand, of which ten thousand were bride price.

Okay, then use these 25,000 as well, so that Xiao Xiao will have some sense of accomplishment. Mu Dong thought to himself.

The house payment, plus the garage, plus the intermediary fee, and various taxes and fees, Mu Dong calculated that it was about more than 760,000, even if it was 770,000. Now there are 625,000 on hand, and the shortfall is 145,000.

Then let my sister turn over 150,000. At that time, in order to save energy, Mu Dong transferred all the funds to the account of the Agricultural Bank in the town one after another, and when he came out, he handed over the bank card to his sister Mu Xiaoxia. Now Mu Dong couldn't help but sigh, his eggs really couldn't be put in one basket.

I thought about it again, no, such a large amount of money, if you transfer it out of your personal account, it is estimated that you have to be present in person, forget it, there is still a train tonight, departing in the early morning, and going to Lunan at dawn, let's go back, so as not to cause extraneous branches.

Mu Dong told Xiao Xiao that he wanted to go back to Lunan to prepare funds, Xiao Xiao had to go to class tomorrow, so naturally he didn't have time to go back together.

The two of them went to a nearby train agency to buy train tickets, and at the same time bought tickets for the return trip. Go back tonight, arrive early tomorrow morning, finish the transfer business before noon, return from Lunan in the afternoon, go to Quancheng tomorrow night, and the day after tomorrow, that is, on Tuesday, Mu Dong asked Xiao Xiao to find a way to adjust the course and go to buy a house together.

After buying the ticket, the two went to Lotus Street for dinner together. Then return home. The train departs at 11 p.m., and the two have plenty of time to linger.

At 10 o'clock in the evening, Xiao Xiao fell asleep, Mu Dong carefully locked the door and went to the station.

This time I bought a sleeper, but I can take a good pass.

There were not many people on the train late at night, and Mu Dong, who had been busy all day, quickly fell asleep in the slight shaking of the train.

At 4 o'clock in the morning, Mu Dong was woken up by the conductor, exchanged tickets, and left the station, before dawn.

Mu Dong found a small hotel near the station and slept for more than two hours. After dawn, I chartered a taxi, said that I would rent it for a whole day, and come back in the afternoon, and then went directly back to the Mujia yard.

In the Mu family's yard, the day was busy.

When Mu Daodao saw Mu Dong getting out of the taxi, he ran over excitedly and shouted, "Big brother, you're back!"

Mu Dong happily patted Mu Daodao's shoulder and said, "I'm back, Daguo, I've worked hard recently." Then he waved his hand and said to the few people who gathered around: "During the time when I was not at home, everyone has worked hard, thank you." ”

Mu's father and mother also heard the sound and asked Mu Dong if he hadn't eaten breakfast yet, so he took Mu Dong and the taxi driver to have breakfast together.

After eating, Mu Dong called Mu Daodao and Mu Xiaoxia and asked about the situation in the yard. There is no problem with the yard, it has been operating smoothly, and all kinds of data have been communicated with Mu Dong by phone. Mu Dong was very satisfied, let Mu Daodao go to work, and then told his sister about the money, and then the sister and brother went to the town agricultural bank together.

Although there were a few people queuing, Boss Mu's affairs still had to be handled first, and a few minutes later, Mu Dong transferred 150,000 funds to Quancheng's account.

The two of them were soon back in the yard.

In the morning, Mu Dong walked around, the overall situation, indeed as Mu Daodao said, there is no problem, since the opening on September 11, now the yard has been running for more than a month, nearly half of the land, has been piled up with about 10 meters high sand pile.

Hey, yes, it's been more than a month, I don't think I've paid the workers yet, some of the workers have been working since the time of preparation, and it's been a month and a half.

This time I came back in a tight time, it was too late, after buying a house, I hurried back again, to see how the salary was paid, and I would pay everyone as soon as possible.

In fact, the people in the yard really have no concept of wages. Working in the countryside, it is very common to be paid once every few months, and once a year.

At lunchtime, Boss Mu gathered the workers and held a short meeting, mainly talking about three things.

First, it is safe production, now there are many vehicles and equipment in the yard, and safety issues cannot be ignored;

Second, it is the problem of sand pile operation, as the sand pile gets higher and higher, the sand has the danger of landslide collapse, so this side of the working face must be a gentle slope, far away from the working face, can be heightened with a conveyor belt, forming a steep slope;

Third, I have worked for so long and have not been paid, and I will pay it once in early November. If you have an urgent need for money at home, you can borrow it from Mu Xiaoxia and offset it when you pay your salary next month. The borrowing limit is limited to 2,000 yuan.

After talking about these three things, start eating.

Mu Dong also eats with everyone, he likes this feeling and feels very down-to-earth. Workers also like to eat with the boss, feeling that the boss is easy-going and has no shelves.

After the meal, Mu Dong walked around the yard for a while, and at two o'clock in the afternoon, he left the yard and returned to Lunan by car.

At three o'clock in the afternoon, Mu Dong got on the train. Arrive at Springs at half past seven in the evening.

Xiao Xiao knew the train number of Mu Dong's return and picked him up at the station.

Mu Dong held her cool little hand and said softly: "Didn't you let you wait at home? ”

Xiao Xiao didn't say anything, let Mu Dong lead her, rested her head on Mu Dong's shoulder, and the two got on the bus together.

The pork ribs and rice downstairs in the community are affordable and inexpensive, and the two of them finished eating quietly and went home.

Xiao Xiao has been a little confused and a little ashamed recently.

I always can't help but want to be close to Mu Dong, what's wrong with me? Mu Dong has only been away for a day, and he thinks like a cat scratching in his heart. She thought to herself, Mu Dong wouldn't think he was lewd, would he?

With this kind of heart, Xiao Xiao was faintly resistant tonight, and his movements were very stiff.

Mu Dong noticed it and asked quietly, "Daughter-in-law, what's wrong, are you not feeling well?"

Under repeated questioning, Xiao Xiao expressed his doubts.

Mu Dong laughed: "Daughter-in-law, eating men and women, it's normal for people." ”

Then you gently stroked Xiao Xiao's face and said softly: "Daughter-in-law, this shows that we have a good emotional foundation, and the two are happy, you are rare to me, and I also treasure you." Come on, let me keep baby you. ”

Xiao Xiao felt that he had become a weed again, floating in the tide.

When the clouds and rain stopped, Xiao Xiao put his arm around Mu Dong and asked, "Will you still buy lottery tickets in the future?"

Mu Dong said: "Occasionally give love, you won't buy it continuously, good luck is limited, you have to save it." ”

Xiao Xiao was relieved, she had been worried for the past two days, Mu Dong would be stimulated by winning the lottery, and he would buy lottery tickets crazy in the future, such things, there were too many newspapers and television, winning a small prize, crazy investment, and finally owed a lot of debt.

got the answer he wanted, Xiao Xiao was satisfied, and the knot in his heart opened, and his whole body was relaxed, and Xiao Xiao fell asleep quickly.

Mu Dong looked at Xiao Xiao's young and beautiful face, and couldn't help but sigh, silly woman, always worrying about me.