Although he only heard some conversations between the two sides, Zhang Wei was basically able to judge the truth of the matter by virtue of his knowledge of real estate, which was nothing more than Zhang Wei's parents borrowing some money from Zhang Wei's second uncle's family in order to sell the house for Zhang Wei. Pen % fun % Pavilion www.biquge.info

Originally, Zhang Wei's parents planned to wait until the end of the year when the house was completed, and after obtaining the real estate certificate, they would use the house loan, so that they could repay the money they had borrowed before, but now the problem is that the real estate developer delays the construction date, resulting in the inability to build the house before the end of the year, and naturally there is no way to use the house as a mortgage.

First-hand real estate and second-hand real estate agents have a lot in common, but there are also many differences, for example, the first-hand house is divided into existing houses and off-plan houses, the so-called existing houses are houses that have been completed, and the developer has completed the real estate certificate, and can move in at any time.

As for the off-plan house, it is a house that has not yet completed construction, and cannot be delivered and moved in immediately, so it is not eligible to apply for a real estate certificate, and the house purchased by Zhang Wei's parents belongs to the off-plan house.

Off-plan housing has both advantages and disadvantages compared with existing housing, among which the advantage is that the price is cheap, and the choice is relatively large, and the disadvantage is that it cannot be moved in immediately when it occupies a lot of money.

In fact, the main reason for the emergence of off-plan housing is that developers pre-sell unbuilt houses in order to obtain sufficient funds, so that they can not only obtain sufficient funds for building houses, but also share the risks, which can be said to kill two birds with one stone.

For example, if there are 12 buildings in a planned community, the developer may pre-sell Building 1 in the form of off-plan housing, although the benefits may be less than selling the existing house, but it can obtain a large amount of liquidity in advance.

Developers will start building buildings after obtaining these working capitals, but they will never build the first building that has already been pre-sold, but will build the remaining eleven buildings, until the rest of the buildings are built and sold as existing houses and they have sufficient funds to start building the first building.

The reason for this is not difficult to understand, since Building 1 has been sold in the form of off-plan housing, even if they build Building 1 first, it will not increase any income, but will consume working capital, if other buildings are built, they can be sold directly to get more funds for construction.

The contradiction between Zhang Jianguo and the developer lies in this place, the developer wrote in the purchase contract that the first building will be built by the end of the year, and Zhang Jianguo habitually thinks that it is the off-plan house he bought, but the developer will definitely build several other buildings first in order to get more funds.

And Zhang Jianguo's house cannot be completed by the end of the year, so he cannot apply for a real estate certificate, and if he does not have a real estate certificate, he will not be able to get a mortgage from the bank, and he will not be able to obtain a loan from the bank, so Zhang Jianguo can only mortgage the house to his younger brother and younger siblings according to the agreement.

After the matter is said, it may look very simple, but the bystanders are clear, and the authorities are confused, otherwise Zhang Wei's parents, who have always been cautious and cautious, would not have fallen into this predicament, and they have been forced to pay for accounts now.

Liu Guihua's words just now obviously carried a lot of weight, which made the four people in the room calm for a moment, and then Zhang Jianguo cleared his thoughts and said: "Brother and sister, what you just said is good, I really can't afford to pay you back now, but I hope we still follow the previous agreement, I will find a way to pay off your money before the end of the year, if I can't afford it by then, I will mortgage the house to you, how about it?" ”

"Big brother, since sooner or later we have to talk about the mortgage of the house, why don't you take advantage of the present and wait until the end of the year?" Liu Guihua said a little unwillingly.

Although Zhang Jianguo and his wife are honest, it doesn't mean that they are stupid, the reason why Liu Guihua is so anxious to ask for accounts is not really eager to use money, but to plot the house that Zhang Jianguo bought, because after Zhang Jianguo bought this house, the price of the house has been rising in a short period of time.

The reason why Liu Guihua and his wife are now forcing Zhang Jianguo and his wife to mortgage the house to them is that they see the huge potential of this house, according to the current rise of this house, the price will be at least 50,000 yuan after the end of the year, and the shrewd and pungent Liu Guihua naturally wants to take the house over now.

"Brother and sister, don't talk about it, I won't mortgage this house to anyone before the end of the year?" Zhang Jianguo's stubborn temper also came up, and he twisted his neck and said.

"Guihua, since the eldest brother has said so, let's go!" Since entering the house, the second uncle Zhang Wei, who had not said a word, pulled Liu Guihua's sleeve and said cautiously.

"Shut up, it's not your right to speak, you know it's a disservice." Liu Guihua reprimanded mercilessly.

"Hey...... I'll go out and smoke a cigarette, and you can discuss! Hearing Liu Guihua's reprimand, Uncle Zhang Wei drooped his face, and did not dare to refute, stood up and walked outside the house.

"Where love goes, where you go, you are a superfluous." Liu Guihua reprimanded.

Liu Guihua was angry when she saw her husband's honest appearance, and when she came to Zhang Jianguo's house, she didn't say a word, and finally said a word or turned her elbow outward, which made Liu Guihua, who had always loved to take advantage, immediately annoyed and angry.

Liu Guihua and his wife are also a wonderful couple, the husband is too honest, and the wife is too shrewd, and it is quite a rare thing for the two to spend so many years together.

Zhang Wei's second uncle opened the door, and before he could step out, he saw Zhang Wei and Zhang Song standing outside the door, and couldn't help but be stunned for a moment, and said: "Zhang Wei, when did your child come back, why didn't you listen to your parents just now." ”

"Second uncle, I just came back from BJ, and I haven't had time to meet their second elder yet." Zhang Wei squeezed out a smile on his face and said.

"Yo, Zhang Wei came back just in time, your parents bought you a house, but they put all the pension money into it, you are really ruthless enough to be a son." Liu Guihua poked his head out of the room and said in a strange manner.

"Brother and sister, Zhang Wei doesn't know about us buying him a house, you can't be angry with the child." Zhang Jianguo frowned and retorted.

"Big brother, I don't want to worry about your family's affairs, but the money you borrowed from me must be repaid today." Liu Guihua said unrelentingly.

"Brother and sister, I will definitely return the money to you before the end of the year, but now I don't have the money to pay you back." Zhang Jianguo sighed and said.

"Big brother, I don't like to hear what you say, we kindly lent you money at the beginning, but now I need money urgently, but you don't want to pay it back to me, what kind of thing is this!" Liu Guihua said.

"Brother and sister, your family's conditions are so good, and you haven't had any big expenses in the past two years, how can you be in a hurry to use money?" Li Huilan asked.

"Sister-in-law, you are only allowed to buy a house, and I am not allowed to buy a house." Liu Guihua asked rhetorically: "Now that the real estate market is so good, one price a day is more profitable than any business, and I still want to buy a house to appreciate its value?" ”

"Second aunt, you have been talking for a long time, just to see the appreciation of the house my parents bought, my heart is a little unbalanced, I want to borrow the money I lent to my parents back to buy a house by myself, or let my parents mortgage the house I bought to you, right?" Zhang Wei was staring at Liu Guihua's eyes, and said what she thought in her heart.

"What's the matter! Don't pretend to be unfathomable in front of me, you have the ability to pay off the debt for your parents. Liu Guihua was caught by Zhang Wei's words, and said sarcastically in a bit of anger.

"You really said that I came back from the capital this time to pay off my parents' debts." Zhang Wei sneered and said.

"Don't be afraid to flash your tongue when you say big things! What do your parents owe me 100,000 dollars? Can you afford it? Liu Guihua said with a disdainful face, he didn't think Zhang Wei had the ability to repay the debt of 100,000 yuan.

"Look, then this money is not enough!" As Zhang Wei spoke, he took the paper bag from Zhang Song's hand and poured twenty handfuls of red banknotes on the table in front of Liu Guihua.

Twenty people with ten thousand dollars. The people's currency, adding up to a total of two thousand, is definitely a huge impact for ordinary people, looking at the red banknotes on the table, except for the two Zhang Wei brothers, the other four elders were stunned all of a sudden, and they all looked at the banknotes on the table with an incredible face.