Chapter 017: Buying a House

Li Zhan's travel is a problem.

There was a rule that he could not ride a motorcycle during his vacation, and he had neither a local license nor a car. Not being able to ride a motorcycle means not being able to ride a motorcycle. It stumped him.

In fact, the prohibition of riding motorcycles during vacation is not only for pilots, but also for active duty soldiers, which is a painful lesson.

After thinking about it, he called Li Xiang up and went out on a bicycle alone. He rode the old phoenix, Li Xiang rode the old five sheep in women's clothes, changed into civilian clothes, and the brothers went down the street while talking. The machinery factory is in the eastern suburbs of the city, and the people in the factory often say "down the street" when they enter the city.

"Brother, I plan to do research on infrastructure engineering, not engineering technology, but research on the implementation process of the project." Li Xiang said.

Li Zhan slowed down and said, "If you are weak in science majors, it is not the best direction to engage in technical research." The implementation process of the project is mainly related to economics and legal affairs, and it involves accounting, which also requires a good foundation in science. ”

"I know." Li Xiang talked eloquently, "Last summer, my classmates and I traveled to most of the country by train, and found that all parts of the country were in full swing to build infrastructure. Some students from the School of Finance analyzed that the subprime mortgage crisis may break out in the United States, which will then trigger a global economic crisis. Our country will definitely be affected. However, our economic development is in a critical decade, so it is almost certain that the country will come up with major policies to mitigate the impact of the economic crisis. The economy is mainly driven by the troika, domestic demand for investment and foreign trade. At present, China's economic growth mainly depends on foreign trade, which is almost the main engine. The economic crisis is bound to seriously affect the growth of China's foreign trade. Once such a situation occurs, the government's increased investment to boost domestic demand is almost the only option. ”

Smiling, Li Xiang said, "When I was a child, the textbook said that if you want to get rich, you must first build roads, but in fact, I think this sentence has never been outdated. In the past, it simply referred to roads and railways, but now with high-speed rail, there will be more airports, more subways and urban rail in the future. There is a trend towards diversification of transportation modes. What can be invested to achieve more than cost performance and the best way to stimulate domestic demand? Only the construction of infrastructure facilities, the construction of highways, railways, airports, ports and other transportation facilities is the main body. Therefore, I think that infrastructure construction is very promising for at least the next 10 years. ”

Shibei was impressed by each other for three days, and besides, the two brothers had only met once in the past five years, and Li Zhandang was really surprised.

"I haven't studied the country's economy, but I think your analysis makes sense," he said sincerely. Infrastructure construction is the foundation of the national economy and an industry closely related to the people's life experience. ”

"I've done a lot of research, and without it, I don't have a voice." Li Xiang said like an adult, he is also an adult, sighed and said, "Dad, you don't know, the official-oriented thinking is too serious, in his eyes, except for the official, the others are second-class people." Before his grandfather died, he was only the secretary of the brigade, and it is still his boasting capital. I also thought about it, if I have the opportunity, it is not impossible to enter the infrastructure system as a cadre. In short, a red heart is ready with both hands. Brother, the main thing is that you have to help me mess with our dad, let him not worry about it, he will listen to you. ”

Li Zhan laughed, "Okay, I can guarantee you this." ”

As the brothers spoke, they looked at the shopping streets, their eyes full of excitement, and they had to get out of the car and push slowly. Go in a small direction, there is one of the few real estate projects in the county, and it is said that the reputation is quite good.

As a result, when I went to the place, I went out to the narrow old alley, and the location was really not good enough. It turns out that what attracts people is the so-called school district degree. After buying a house here, children do not have to pay thousands of yuan a year for building a school. For the sake of their children, parents are bound to be open-minded.

Pity the hearts of parents all over the world.

Another is the Xiangjiang Garden, which also belongs to the canal area in the east of the city, Li Zhan saw their huge advertisements on the way back, and the pictures were quite beautiful. The main thing is that there is a new area, and many living facilities are still under construction, but a two-kilometer-long leisure zone has been created on both sides of the canal, and there are some of the best hotels in the county around it, and there are some tall tastes, and the environment is much better than the old town on this side.

Without further ado, the brothers climbed a long slope to the side of the canal. As you can see, another advantage of this side is the high terrain. According to the superstition of the locals, sitting in the north and facing south is superior.

As a result, when the enthusiastic sales lady quoted the average price, Li Xiang almost bit his tongue, "What? Four thousand two? ”

The average price in the city center is only more than 4,000.

Li Zhan was also frightened, but he was flying a plane, and his psychological quality was not ordinarily strong, and he was quiet on the surface.

The sales lady said in a straight way, "Pretty boy, our Xiangjiang Garden is the best real estate in West County, and the urban area is not bad, you look at the garden inside, which building has such a big garden, and we are multi-storey, not twenty or thirty floors of high-rise at every turn, the kind of high-rise lives like a matchbox." Besides, our floor height has reached three meters five, and other real estate says that it is three meters, but it is actually two meters eight. ”

Three meters five is definitely not, three meters one and two are not bad.

She walked from the back balcony to the front balcony, rolled up and pulled out a section in her hand, and pointed out the way Li Zhan was ashamed.

"Double balconies, front balcony facing south, facing the canal recreation area, this is a riverside view. The back balcony is very nice to the garden, also with a great view. You look at this type, the hall is square, the four rooms do not interfere with each other, the double master bedroom has a separate bathroom, there is a shared bathroom, and the kitchen and living room can also be separated. This house type is left with the current three-zero-three, if it weren't for the original customer's mortgage, it would have been gone for a long time......"

Li Zhan couldn't help but ask, "How many square meters are here?" ”

"One hundred and fifty-seven, the total price is six hundred and sixty thousand, if you sincerely want it, if you can make a deposit today, you can also get a discount."

"The main area is too big."

Li Zhan was taken aback, and quickly calculated, with a total price of 660,000!

With his current salary, he has been without eating or drinking for seven years, and he has not counted the decoration of furniture and appliances.

Li Xiang was already stunned, in his concept, sixty-six thousand was already an astronomical number, let alone six hundred and sixty thousand. This money is probably enough to buy a piece of land to build a five-story building. It's a pity that Li Zhan didn't think about this at this time, and again, even if he thought about it, he didn't have the financial resources.

"Are you going to take a mortgage or pay it all?" The sales lady asked Li Zhan, she had already seen that it was the eldest brother who took the idea, and the younger brother was a soy sauce player.

Li Zhan smiled helplessly and said, "Mortgage, even if it's a mortgage, can't afford it, it's too expensive." ”

The sales lady said confidently, "It's really not expensive, you can go around again, there are almost no people in the same environment and the same house type and location, even if there is, it is definitely more expensive than our Xiangjiang Garden." ”

"The apartment is too big, is there a smaller area?" Li Zhan asked, since you can't afford it, there is no need to stay here anymore, and see if there will be a miracle in the price of smaller units......

The sales lady smiled and asked, "Pretty boy, you haven't gotten married yet, are you?" I'm from here, let's put it this way, you think the house is too big now, and when you get married and have children, you will regret not buying a big house. You see, you husband and wife and children, when the time comes, will the old man come over to help take care of the children, these are four people. This is your brother, does he have to live with you before he gets married, these are five people. Four rooms are actually just enough, and there is no big problem at all. ”

Looking at the sales lady who was a little rich, Li Zhan was actually convinced of her words, because this is the only way for almost everyone. However, Li Zhan is not an ordinary person, he is a cadre of the army, and he will live in the army for most of the future in the future, and when he gets married, he believes that he is already eligible for the standard two-bedroom and two-hall welfare housing.

Just when he was about to decisively express his refusal, the sales lady made him hesitate with a word.

"There is another one, the parents will get older and older, the elderly like spacious, and they are happy to live in a big place, just like my parents-in-law, who are reluctant to live with us because the place is too small, two-bedroom, and you have to walk sideways, which is very uncomfortable."

So, Li Zhan directly told the difficulty, "I don't have enough money, and the down payment is not enough." ”

"Many people are trying to buy a house, and there are a few who really save enough for a down payment to buy it, really, you believe me." The sales lady guided and asked, "By the way, what do you do?" ”

Li Zhan smiled slightly, "I'm a soldier." ”

"Ah, you're from the army!" The sales lady was very excited and hurriedly asked, "Is it a cadre or a volunteer?" If the cadre can borrow from the bank, it is not a mortgage loan, but a credit loan. I have a colleague's husband who is also a soldier, and that's how he bought his house at the airport. Where did you become a soldier? ”

Li Zhan was surprised by the change in the attitude of the sales lady and said, "I am also from the airport and a cadre. ”

"That's easy!" The sales lady immediately took out a small notebook and said while writing, "I'll calculate for you, how much money do you need for a down payment?" ”

Li Zhan and Li Xiang glanced at each other, quite helpless, Li Zhan said, "The difference is seventy or eighty thousand, half smaller." ”

"That is to say, you now have 100,000 yuan, the down payment is 180,000 yuan, and the bank credit loan of 70,000 or 80,000 yuan should be no problem. The sales lady said quickly, "If you calculate the monthly payment, the mortgage loan is 420,000 yuan, 30 years, about 18000 per month, this should not be much pressure, for your army cadres." ”

"Thirty years?" Li Zhan was surprised.

The sales lady smiled, "You can pay it back in advance, the longer the time, the less pressure there is, believe me, I'm from here." Oh yes, you should have a housing provident fund, you can withdraw it, and you can enjoy the interest rate of the provident fund loan. ”

"It's not a few years, so it shouldn't be much money." Li Zhan was absent-minded, and he felt like he was forced to go to Liangshan, but when he thought of giving his parents a good living environment, he instantly made up his mind.

"I'll go to the bank and ask." Li Zhan said, dragging Li Xiang in a daze and striding away.

The sales lady hurriedly followed, handed over the business card and said, "Cadre Li, make sure to contact me as soon as possible, this house is really popular, there are two groups of guests who have come to see it in the morning, and they may come over to pay the deposit in a while." I'll try to hold you back, and you'll try to hurry up as much as possible. If it's ICBC, go out and turn left, and CCB will go to Taoyuan Hotel. ”

"Okay."

It's a big deal to try to get more tie-up fees for second-level pilots as soon as possible, Li Zhan thought.