Early the next morning, Feng Yiji went to meet Zhou Tianyin and went out to see the house together.

Zhou Tianyin and Feng Yiji are both sisters in the graduation season, so naturally they both took the driver's license.

It's just that the Feng family was poor and couldn't afford to buy a car.

The Zhou family had a car early, and it was Zhou Tianyin's car that day. Zhou Tianyin's parents are used to riding in a driver's car, even if Zhou's father has a driver's license, they let their daughter drive it on weekends.

"Hello uncle and aunt, I've been looking at the house recently, so I won't bother you. Feng Yiji pulled the car door and sat in the passenger seat, and greeted Zhou Tianyin's parents obediently. In fact, everyone is very familiar with each other, and they don't see each other much, Feng Yiji is purely polite.

"Xiao Feng, do you want to change rooms at home?"

Zhou's mother, Murong Ping, was casually playing with Feng Yiji, but Zhou's father, Zhou Tianming, only nodded slightly and did not speak, obviously an ordinary occupational disease.

Zhou Tianming is the president of the Municipal Intermediate People's Court, and as a pivotal justice, he is usually very cautious when he speaks. Otherwise, if a casual sentence is misunderstood by the people below or the media, it will be a bad thing to interpret it as a professional judicial opinion.

And Murong Ping is just a deputy director of the Local Taxation Bureau, so he doesn't have to be responsible for speaking, so he naturally talks more.

was questioned by Murong Ping, Feng Yiji didn't hide it, and confessed directly: "Well, the original house didn't have an elevator, and it was small, but it was okay for our sister and brother to live, if we want to do something in the future, I can't get a book, so I want to change it." ”

Murong Ping subconsciously cared about the other party as a niece and daughter purely because her daughter had a very strong relationship with Feng Yiji. When I heard this, I was curious: "What are you doing?" Xiao Feng, are you looking for a boyfriend and want to get married?"

Feng Yiji's face flushed slightly, quickly returned to normal, and said generously: "How can there be~ Auntie, you think too much, you don't know about my disease, this life is like this." It was left for my brother Xiaoxiong, and the money to buy the house was also paid by him. ”

"So powerful?" Murong Ping asked casually, subconsciously with some disdain in her tone.

"That's ~" Feng Yiji also forgot to be modest, every time she talked about her younger brother, she was always proud. After finishing speaking, he realized that he was a little rude, and awkwardly tried to change the topic, "Auntie, why is your family still thinking about buying a new house?

The White Horse Apartment was a famous mansion in Qiantang in the early years, but the price of the first-hand house was not expensive at the beginning, and it was only 8,000 yuan a square meter when the house was handed over in 02 - but the first-hand house of that house was not qualified to be bought by anyone who had the money, so that it was jokingly called "affordable housing of the municipal government" among the people. If the Zhou family hadn't been in official positions, they wouldn't have been able to buy a house there at an affordable price.

Such examples are actually not uncommon in the national dynasty.

Seven or eight years later, there is a real estate next to the Olympic sports plate in Beijing. At that time, the surrounding market price was 50,000 or 60,000 yuan, and the opening price of that plate was only 20,000 yuan - but if it weren't for the middle-level and above cadres of the "two barrels of oil" of the central enterprises, or the units that even had two barrels of oil (such as the National Development and GAI Commission), they would not be qualified to buy a house there, and they would have been digested internally.

It was precisely because she knew that the Zhou Mansion lived in a mansion that Feng Yiji asked this question.

But the answer was that she was speechless.

"Of course, it's comfortable to live in, but every year the school season is the season of price increases. If you have spare money now, don't look at it, in case you regret it then. Murong Ping's answer was very casual.

Yes, the Zhou family didn't buy a house to live in at all, they were purely afraid that "if they don't buy spare money, they will lose their value".

……

After a morning's work, Zhou Tianyin ran three real estate projects according to the house viewing strategy map.

The first two houses are good, but the location is too noisy and chaotic, and the future surrounding planning city government is also in dispute, and now it is basically all about the developers themselves to brag.

The Zhou family is all officials, and they are more sensitive to policies, so they didn't start - in the past few years, the west of Qiantang City has been demolished and rebuilt, and the deputy mayor of "Xu Sanduo", who was later known as "more money, more houses, and more women", was shot and killed, and it was developed by tossing and turning this area. Therefore, if ordinary people want to see the long-term plan clearly, it is almost a fool's dream.

Feng Yiji didn't think about it so carefully, she thought that the price of those houses was quite cost-effective, and the cost performance was good. But since the Zhou family said that the prospects of the house there were so unbearable, she couldn't afford to lose her share, so she endured it.

After all, the most feared reason for depreciation when buying a house is that after the purchase is completed, a garbage power station or other high-pollution and heavy-radiation things are planned by the government next to it, and then the house price is rubbed off.

Seeing the third real estate, a carload of people is almost tired, and it is almost time to have lunch.

It is a villa plot called "Xixi Forest", which has been clearly planned by the city government as a wetland park reserve, and there will be no further development, so there is no future planning risk.

Murong Ping was very satisfied with this vision, so she and Zhou Tianyin became serious together, and the mother and daughter looked at the house type and calculated the price, which was called a seriousness.

Feng Yiji originally planned to go through the motions - not that she didn't like it, but the first two projects were apartments, this one was a villa, and the total price was obviously beyond her affordability.

However, Zhou Tianyin looked at it so seriously, she was idle, and she was idle, so she followed over and over again to look at the materials and see the real scene. As a result, the more she looked at it, the more she liked it.

Because this is a property in a wetland nature reserve - the developer is very capable, and the land taken before the wetland reserve was approved, as soon as it was obtained, it was planned as a protected area by the government, and I don't know how many extra hundreds of millions of gray money were stuffed.

Therefore, the floor area ratio of the real estate is really low. Other villa areas now have a plot ratio of 0.6~0.7, even if it is good, 0.5 is super against the sky, and this villa is only 0.3 - that is, it covers an area of 1000 square meters, and only 300 square meters of houses are allowed to be built. It can be seen how abundant gardens and public green spaces and ponds are.

Such a house can no longer be found in Qiantang City, and it belongs to "non-renewable resources".

The Zhou family saw a group of developers promoting the house type, a two-story building with a construction area of 450 square meters, and then a three-story attic and a rooftop that did not count the area. The unit price of 18,000 square meters of construction area is more than 8 million in total.

Because it is priced according to the floor area rather than the floor area, the garden is not considered money (in fact, the garden is discounted into the house price, otherwise this kind of suburban place would not be able to sell for a high price of 10,000 8, and it is only 06 years now. ）。

According to the current plot ratio, the garden and the private pond have two and a half acres of land.

If Feng Jianxiong was here at the moment, he would definitely encourage Feng Yiji to buy it without hesitation - because the addition of money here today is really the biggest "value depression" in Qiantang City.

If this house is in the hands for two years, by the climax of housing prices in 08, as soon as Uncle Ge and Shu Qi's "If You Are Honest, Do Not Disturb" is released, it will definitely double and rise.

After reading it, Murong Ping encouraged her husband and said: "Dad, what about more than 8 million, can't you start? I think this house can definitely rise, and in the future this will be an out-of-print apartment type in the urban area with a forest pond! Where can I find a house with forest and water that is still in the urban area! You didn't hear the sales manager just now, even Ahri Baba's Ma Zong bought it here!"

"You believe him is bragging! If you sell the house, you can also believe it! If necessary, he would dare to say that Clinton bought it here!" Zhou Tianming said disdainfully.

"Then don't you want to buy it?" Murong Ping didn't want to raise the bar with her husband, but her tone naturally raised a few degrees.

Zhou Tianming was usually a little in awe of his wife, and hurriedly explained: "I didn't say I wouldn't buy it, isn't this the total price estimated to be mortgaged - you and my work unit, can this be exposed and taken for a mortgage?

Officials are afraid of personal information exposure, and they are even more afraid of carrying a mortgage in their own name - the legal meaning of "mortgage" is equivalent to proving that "my future personal monthly income is enough to pay off the monthly payment of X million". And a civil servant, even if he is at the provincial and ministerial level, has a book salary of 10,000 yuan, isn't that clearly telling others that the source of the huge amount of wealth is unknown?

Therefore, officials would rather buy houses in full than take advantage of this "borrowing money to buy houses and letting banks carry inflation". Because the source of the full money is relatively easy to explain, it is the same way to say that you have inherited an inheritance or sold some other fixed property.

"Then take a mortgage in Tianyin's name, didn't she find an internship job last time...... Anyway, we don't have a big gap, we can do it with a down payment of seventy percent, a little loan of two or three million, and pay it off in five years, and the bank will not check too strictly. Murong Ping thought to herself.

The Zhou family's funds are still relatively abundant, if they buy a house below 5 million today, they can shoot it clearly without a mortgage, which is also the source of Murong Ping's confidence.

"That's not possible, even if she is in graduate school after she starts, who believes that a part-time fresh graduate can get such a high salary. Zhou Tianming hesitated.

Murong Ping was annoyed by her husband's tepidness: "Hey, you can't do this, that can't be done! It's not that I said you, I've been with you all these years, I have lived in apartments, and there are no villas, and you are not as good as me as an official!"

Murong Ping also knew that he was paying attention to the influence, and his voice was still very soft, but he still said Zhou Tianming's face was pale.

It's not that the Zhou family has no money to buy a villa - the family property accumulated over the years is a total of 10 or 20 million.

It's just that I'm more cautious and sensitive to policies, and I feel that housing prices are going to rise sharply every year, and I can't save millions before I invest in the long term. In addition, in order to keep a low profile, he only buys and does not sell, so he never has tens of millions of cash on hand.

Murong Ping was depressed, but she heard a girl's voice ringing beside her, which almost startled her.

"Auntie, what kind of mortgage do you have in your family, if you have a short hand, you can directly mortgage an old house and take out a loan to make up the difference, wouldn't it be good?" It was Feng Yiji who spoke, she just called her brother, and after hanging up, she went back to the hall to find someone, and happened to hear Murong Ping's chat.

Murong Ping was originally from the Local Taxation Bureau, although she was not a department that was directly in charge of business, after all, she had a lot of capital knowledge. After listening to Feng Yiji's reminder, I realized that I had been negligent just now, but I didn't expect it (mainly because of the low-key nature of being an official, if you can not take out a loan, you won't take out a loan), and as a result, you made a low-level mistake in front of your juniors.

Compared with a mortgage loan, the biggest advantage of taking an extra set of existing homes for mortgage is that you don't need proof of income.

"Xiao Feng is right, it's really not good, just mortgage one set of our family. Murong Ping adjusted her expression, trying to be as kind as possible, while instructing her husband.

After Zhou Tianming agreed, Murong Ping thanked Feng Yiji with a smile: "It's still Xiao Feng for our sake, it's really difficult for you today, and you have been with us for so long in vain......"

Feng Yiji smiled, very modestly and without credit: "It's not troublesome, I'm not in vain." I'm also going to buy it, if it weren't for Tianyin leading the way, I wouldn't have known there was such a good plate. ”

"Are you going to buy it here?" Murong Ping was suddenly shocked, and even his sense of superiority as the director of the Local Taxation Bureau seemed to have been extinguished a lot.

She heard her daughter say that Xiao Feng went through the graduation procedures in advance a few months before the summer vacation and went to work in the four major firms. But even if it is one of the four major institutes, it is impossible for a fresh graduate who has only worked for a few months to come up with so much money, right?

How subversive is this perception?

Feng Yiji sighed modestly: "Yes, but I'm more troublesome than you, I don't have an additional existing house to mortgage, so I have to take a mortgage, and I don't know if it's approved or not." ”