He Ling thought for a while and began to say: " When I was very young, I wanted my parents to be with me every day; when I was in elementary school, I liked singing and dancing at that time, so I dreamed of becoming a great singer and dancer when I grew up; after I went to junior high school, my studies slowly became heavier, and I had very little spare time, so I felt that I had to listen to teachers and parents for everything, so my dream at that time was very simple, that is, to grow up quickly; when I went to high school, I basically revolved around the college entrance examination, and the teacher was always instilling a thought that now I would work hard for a few years, and it would be easy to go to college, so I didn't have time to think too far about my dreams at that time, so I hoped to go to college and be liberated as soon as possibleBut now that I'm in college, I find that the world is getting more and more complicated, and I'm a little confused, what kind of life do I want?"

"It's normal to be confused, everyone will have different confusion at different stages, and when you have an epiphany at a certain moment, you won't be confused immediately," Jiang Hui said.

"How can I have an epiphany? What if I can't come to my senses all the time?", He Ling said.

"If you can't realize it, don't worry about it, do the things you are doing, and slowly have new ideas," Jiang Hui said.

"Then what do you think the university is going to do? You said so much at the beginning of the school year, but I didn't see you do what you said?", He Ling said suspiciously.

"I'm saying that for everyone, if you don't understand what to do, just do what I say, and if you can figure it out, of course, you don't need to do it exactly according to what others say," Jiang Hui quibbled.

"Then you talk about being down-to-earth, what do you think I should do in the past four years?" He Ling said.

"Actually, it's very simple, if you want to engage in scientific research, then take a good class, and then go to graduate school for a doctorate step by step, if you just want to go to a university and then go to work, then you should learn English well, do more internships to understand this society in advance. When you graduate and stay in the imperial capital, if you have money in your family, you will buy a few more apartments, and if you don't have much money at home, you will find a way to borrow money to buy two houses first, and then you should eat and drink, and travel around the country when you have time, and then wait for the house prices to appreciate and become a rich generation," Jiang Hui said.

"What you say is vulgar, there is no novelty at all, according to your way of life, life is so monotonous. Also, why do you think house prices are bound to rise?", He Ling said.

Jiang Hui wanted to say that it is not that I think that housing prices will rise, but that the actual situation in later generations proves that housing prices will rise to the sky. Now the houses around the school are less than 10,000 square meters, and when Jiang Hui was reborn, you don't want to be able to buy an additional 100,000 square meters, and the houses in the Third Ring Road are no longer something that ordinary salaried people can think of.

"How do you say that? There are many, many factors that add up. You see, if the Chinese people have a little money in their hands, what can they do other than buy a house? Without other good investment channels, the money can only go into the property market," Jiang Hui said.

"It's okay for me to keep my money in the bank, but I don't have to fly to buy a house," He Ling said.

"Let me ask you, what is the difference between a hundred dollars ten years ago and a hundred dollars now? What about 100 yuan in 10 years? If you keep your money in the bank, that interest will definitely not be able to keep up with inflation," Jiang Hui said.

"You just said one reason, what about the rest?", He Ling asked.

"Another very important thing is that under the current bank loan system, no one dares to let housing prices fall. It can only go up. You see, when a developer borrows 10 million from ICBC, he only needs to use 5 million to develop the house, and then increase the selling price, and then mortgage the house under development according to his selling price standard to borrow another 20 million from the Agricultural Bank of China, and then use 10 million of the 20 million to develop a house with a higher price to find a mortgage of 40 million from the Construction Bank, which is like a snowball. It doesn't matter whether the house can be sold or not, the key is that the house price should be high and the price should not be reduced. Anyway, the bank's money is not private, so a little dredge, plus there is a "legitimate" high-retail price real estate as collateral, so it is naturally better and better to borrow from the bank.

As a result, the price of the house will not fall, because it cannot fall! If it falls, the money lent out by the bank will never come back. This is the government's bank, the government's money!", Jiang Hui said.

"Sounds like an exaggeration," He Ling said.

"That's part of the reason, and part of it is that objectively, with the development of the economy, urbanization is accelerating, more excitement is coming into the city, demand is coming, and prices are rising," Jiang Hui said.

"This is easier to understand, and let's talk about other reasons," He Ling said.

"There is also the impact of land supply, all the land is in the hands of the government, and the income from land sales is the majority of the local government's income, and the local government promotes the continuous rise in land prices, so the price of flour has risen, and it is impossible for the price of bread not to rise. In addition, such as the over-issuance of currency, the financial attributes of real estate have led to rising housing prices," Jiang Hui said.

"It's so complicated," He Ling said.

"There is also a funny reason, saying that the rise in housing prices is because of the demand of the mother-in-law. Some people say that if the concept of the mother-in-law does not change, the housing price will not come down. It is said that some people have also conducted a survey and found that only 18% of mothers-in-law in the country are willing to accept their daughters and sons-in-law renting a house to get married. Now is the time for the post-80s to go to work, and if everyone wants to buy a house before they get married, this is a very big demand," Jiang Hui said.

"Is my mother-in-law's influence so great, not every mother is like this, my mother said that as long as I like it, I can marry anyone," He Ling said.

"I don't know if it's so influential, but most families want the man to have a house before agreeing to their daughter's marriage to him, I think it's quite in line with the actual situation, your mother doesn't care about this, this is just an example, and more importantly, it may be because your family has no shortage of houses," Jiang Hui said.

"I really have more than one house," He Ling said.

"Congratulations, you will definitely be at least a female tyrant worth tens of millions in the future", Jiang Hui said jokingly.

"How can it be so exaggerated as you say, if you want to say that, there are more multimillionaires in the imperial capital," He Ling said.

"Now I think it's incredible, when the house price in the imperial capital is hundreds of thousands of square meters, you will find that multimillionaires can no longer be considered rich, unless you have more than one house," Jiang Hui said.

"I hope I will become a female tyrant as soon as possible," He Lingjiao said with a smile.