When I saw my parents looking at me with their mouths slightly open, like aliens, I knew that there were some things that would be difficult to explain to them.

Sure enough, my mother said: "What kind of house to buy, we will die in the future, and it will not all be yours." Some of them just live, so why do you work so hard? ”

They will never have the concept of investment, and will always only know how to save money, but they don't know that what really has money is not saving money but trying to find ways to invest and make money. Rather than save money, I am reluctant to turn on the air conditioner on a hot day.

Sometimes it takes a roundabout strategy, and I seriously say, "You must live a long life, and you will hold your grandson." But the question is here, if Lele goes to college and I retire, do you borrow college tuition and living expenses? So it's better to borrow money now, and then all the money will be in place. You don't see this house, plus the gift area is hundreds of square meters, and the medical insurance card here can be used there. The subway is just a walk away, and Caichang Park is only two or three hundred meters away, which is a big park. The prices there are also cheap, the white steamed buns here are seven cents, and there are five yuan and twelve cents, all of which are bigger than here, and one is the top two......"

In the end, I borrowed money, or sold the house, I said that I was more instigated than the sales manager, anyway, I tried to fool and keep the money in the bank, about two percent a year, it is better to lend it to me, four percent, repay the money every month, and repay as much as I want.

said it was a dry mouth, and finally let them understand that I would definitely buy this house anyway, and if I don't lend money, I will use the house to mortgage, and instead of giving all the interest to the bank to earn, it is better to lend me money.

"But how can you pay it back, it's only a thousand yuan a month? No matter how much I save, it will cost about 3,000 a month. "Mom's words are true, I used to be a family, 3,000 a month is just to maintain the most basic life of a family, if you are lucky or don't buy anything, you may be able to save dozens of yuan a week to fight tooth sacrifices. And if I buy a house, it will probably only be 1,000 yuan a month.

"Then use more and pay less, use less and pay more, anyway, I will definitely pay you back at least 2,000 yuan a month." I made a promise, and went to get the paper to start calculating, 2,000 a month, 20,000 a year, and it should be able to be repaid within ten years, after all, after paying the house and renting it out, the rent can be 2,000, 1,005.

"If I can get more money, it will be better, I will borrow less money from the bank, and the interest will be less, and I will give it all to you."

Looking at my parents, it seems that I have been moved by what I said.

Mom and Dad looked at each other, and Mom spoke: "Let's think about such a big thing." ”

"What do you think about, you just lend me money. Even if you can't pay it back, the house is still there, and the bank loan is more than 3,000 per month, but my house is rented out for 4,000, and there is still a balance. "I can't wait, even if the house there hasn't been moved, I have to buy it as much as possible. Everything has to be early, as long as the person is early, often can make money. Yes, I did it right away.

Thanks to my efforts, my parents finally relented and were willing to borrow money. I took a day off, took my parents and Lele, and went to the sales office together.

When I saw the house, my parents, who had lived in an old-fashioned public house all my life, naturally felt good. In the end, a deposit of 30,000 yuan was paid, and the remaining down payment was made within a week.

Hold a piece of paper with all the materials required for the loan, as well as a proof of income, and go to the unit to knock on the official seal. A divorce loan is more difficult than a marriage loan, because the loan is about the ability to repay.

I put the stamped application in front of the director: "Please sign it?" ”

"What's that?" The director put on the glasses that were about to slip off, picked them up and said, "Oh, buy a house?" ”

"Well, buy a house!" I pretended to be normal, and all eyes in the office were cast.

"Where did you buy it?" The director asked.

After I told the place, the director shook his head: "What are you buying there, the houses there haven't risen for five years." Still buy here, the price will definitely go up. ”

I said lightly: "I can't buy it, it's limited." ”

"It's all two?" The director picked up a pen and signed: "It seems that you are the richest." ”

I smiled: "Even if all the houses are combined, no one is worth a set." After that, I took the application and the blank income certificate to get it stamped.

Stamped in another section, the people in it, like us, are sitting idle, reading newspapers, drinking tea, eating melon seeds, flipping through computer web pages, and one is reading stocks.

"Please get an official seal." I handed over the proof.

The man took off the application on it, put it in a drawer, and looked at the certificate: "Proof of income, buy a house?" Why didn't I write the amount of income? ”

Write three thousand and three thousand four, the bank may not lend. I hurriedly whispered: "Don't worry, it's definitely a house, not anything else." ”

The man looked at me again, then turned his gaze to the certificate, turned it around several times, even looked at the back, and finally took out the official seal, stamped it, and handed it back to me.

"Thank you!" I'm so happy with the proof.

I took another day off, and the whole family went together to buy a house.

Sitting on the subway, the time is relatively long, and it takes half an hour to 40 minutes to get there from the city, but it actually takes nearly an hour. The closer you get there, the more intermediaries come up, stuffing sales advertisements into the hands of passengers one by one, or directly asking if they want to buy a house.

Most of the people in the car are middle-aged and elderly, and they all used to see the pension house. After all, the houses there are cheap, and there are many sons who want to get married, buy a house in another place, and give the old house in the city to their sons. Or sell the house and make a down payment on two homes. And I will have a second house, although the road will be tiring in the future, but I believe that it will get better and better.

It's not easy to buy a house, and I look at the contract before and after, but there are so many clauses, and I don't bother to look at it at the end, and I asked a few more sensitive words in it. Because it is a working day, there are fewer people in the sales office.

"Alright, please sign where I pointed." The sales manager was happy because the business was relatively easy, the contract was signed in three days, and the down payment was made in five days.

A contract had to be signed on almost every page, in quadruplicate, and after signing one by one, I let out a long breath and my hands were sore.

"Then make a down payment." The sales manager has to get up.

"Don't rush, give us ten minutes." I took out the printed IOU, signed it with my name, and handed it to my mother: "Look, do you want to add anything?" ”

Mom took it and looked at it, and nodded: "Okay, that's it, pay for it." ”

actually borrowed money directly here, and the sales manager laughed vigorously.

After the down payment was paid, the first thing she said to me was: "Start paying back." ”

"Got it!" I waited for the financial invoice inside: "A butt of debt." ”

The sales manager smiled and said, "But I got a suite." ”

"Two-and-a-half years to hand over the house." I was helpless. If you can hand over the house earlier and rent it out early, the pressure will be much less.

After paying the money and going to apply for a loan, I directly handed over the income certificate: "The number is not written, you can write it, as long as you can get a loan." ”

"You can rest assured about this, after all, the mortgage is easier to disburse, much faster than a car." The sales manager was next to me and reassured me.

In the past few days, I have also checked on the Internet, and the first-hand house is better than the second-hand housing loan, and the loan is more. I have paid off all the previous loans, so it is still the first set. If I were to buy a second-hand house, I wouldn't really have the money. 220,000 is the savings of half of the parents' lives, so they can't even take out all the coffins.

As soon as I finished it, it was past noon, and I took my mother to the small restaurant where I took me to eat on the second last time. The things there are really cheap, the big pot and the big pot are only twenty or thirty yuan, and it is enough to order two or three dishes.

Looking at the price on the menu, my mother muttered that it was not cheap, but after the food came up, she looked at the dishes that were two or three times more than those in the city, and suddenly felt that it was indeed cheap.

At this time, the phone rang, and I saw that it was the fiveth, so I picked up the phone.

"Hey, what are you doing?" Number Five asked.

"I just bought a house and I'm having dinner with my family." I feel like I'm talking a lot more energetically.

"Oh, buy a house, now that the house price is so high, you can still buy it, I can't see it." Number Five was surprised.

"Out-of-town, how can I afford a house in the city." I put down my chopsticks, and to be honest, what can I hide from the prawns: "And almost all the money is borrowed, and some of it will be repaid in the future." ”

"If you can't, borrow some from me first." Number Five knows that I earn very little.

"Oh~" I deliberately asked, "How much can I borrow then?" ”

No. 5 thought for a while: "I've not been on Earth for a long time, and the money is not very much, if it's not enough, I can have it next month." Or ask other colleagues to borrow some first, and they will all be willing to lend them to me. ”

"And how many do you have now?" I asked.

In just two seconds, Number Five replied, "There should be hundreds of thousands." ”

More than 100,000 ...... Well, what the second says is true, and the fifth has a monthly income of 200,000. It's really more human than human, angry people, why are these aliens making money so easily, they can come up with a down payment on a house every month, while I have to work hard and save money for ten years.

"Okay, okay, I'll just ask the bank for a loan, how can I borrow money everywhere when I first come." I laughed, believing that if I really asked No. 5 to borrow, he would definitely lend it to me: "Don't talk about this, I'll eat first, I'll starve to death." ”

"Okay, I'll call you again in the evening. If you need to, tell me and transfer the money out of the bank. "Number Five is serious.

"It's all been paid, the loans are all done, and there is no need for it. But thank you anyway. My heart was sweet: "Call me at night." ”

When I hung up the phone, I saw my mother staring at me, and asked cautiously, "Is that Wu Ming?" ”

"Hmm." I took a bite, put it in my mouth, and quickly lit the dish with chopsticks: "It tastes good, hurry up and eat it while it's hot." ”

"Don't interrupt." This trick seemed useless, and my mother stared: "If you feel good, you can catch it, and you eat the imperial food, and you are sincere." You must know that your father, one day, I wanted to eat peaches, and at that time, it was like now, and it was not yet time for peaches to be on the market. He rode his bicycle and ran to the suburbs to help me buy it, back and forth for a day. I immediately decided to marry him! ”

"In the past, there was no subway, there were few buses, and it took three hours to travel from the city to Taoyuan in the suburbs, which was not as good as a bicycle." As I ate, I muttered, "He has his own car, and he drove the car for half an hour to buy roast duck, and then he bought you." ”

"Whether it's a car or a bicycle, no matter what method you use, it's sincere to buy it so late. I haven't seen your ex-husband buy anything for us in the middle of the night, it really makes him so comfortable, thinking that his wife is so easy to marry. "Mom is very unhappy, it seems that I am not the only one who compares people.

I haven't told my mother about the monthly income of the fifth month, for fear that she will be stimulated. 200,000, if you say it, you must not believe it, there are no 200,000 a year; If you believe it, you will also have questions, how can a superintendent have so much money? Let's let my mother think that No. 5 is an ordinary superintendent with an income of seven or eight thousand.

After buying a house, I feel that the whole person is different. When I got home, it was already four o'clock in the afternoon, my father went to buy vegetables, and my mother took Lele at home. And I went directly to the real estate agency to list it, and I wanted to rent out the house as much as possible.

When the real estate agent heard about it, he immediately said that there are few houses in the area, and there is a house like mine, and one is rented out. Pat your chest and pack the ticket, you will definitely be able to lend it, as long as you give him exclusive. $4,000 a week, $4,500 a month.

So I gave this agent a week, and if I couldn't rent it within a week, I would take it back exclusively and find another agent to rent. So I didn't run to the next house, I went home and started to pack my things.

The phone rang, it was my mother calling. I looked out the window, it was already dark, and it took time to organize things. I pressed my phone off and didn't answer it because it must have told me to go to dinner.

During the meal, the discussion was naturally how to repay the mortgage, and there was still a long time before the bank reviewed the mortgage, so take advantage of this time to rent out the house and collect the money first.

After eating, the agent called and said that he would take the client to see the house immediately. So Lele stayed at my mother's house, and I went back to receive the people who watched the house.

This intermediary is really positive, three waves of people brought together, a dozen of them, where is like coming to see the house, it is like visiting tourist attractions.

I don't have to worry about anything, and the intermediary will introduce me like a river. After reading it, the three waves of people all said to go back and think about it. Actually, I also know that there may be other houses waiting for them.

After the person left, I continued to sort out my things, and after a while, the intermediary called and asked if I could reduce the price, thinking about three thousand eight.

I sneered: "Sue him, 4,000 yuan is a lot, if the price is reduced, I will go to the intermediary next door to you and ask him to rent it for me." There is a sign hanging at the door of the intermediary on this road, and the same house costs 4,005, and the fine decoration is more expensive. When I go there, the bargain will only be four thousand three. ”

"Oh, I went back immediately, it was too little. I also want to rent it out as much as possible, so I went back to him, this house is still for me to rent, rest assured, it is guaranteed to be rented out within a week. The intermediary's words were reversed again, as if they were completely directed towards me.

After hanging up the phone, I sneered, cut, of course, the sooner the agent rents out, the better, and the introduction fee for a month's rent will be in hand, and I will lose 200 yuan per month. Hurry up and continue to tidy up, and strive to tidy up the things that are not usually very useful today, and it is time to throw them away. (To be continued.) )