In the cold winter, the sky and the earth are covered in silver, and the cold wind kills.

When Lin Yao got on the bus back to her hometown, her mobile phone rang at the right time, she thought it was Ms. Wen, but it turned out to be Mr. Wen.

Lin Yao said angrily: "Mr. Wen, hello! ”

Mr. Wen smiled lightly and said in greetings: "Hello, Xiaolin~, the New Year is coming soon, I wish you a happy New Year in advance~!" ”

Lin Yao's heart suddenly felt a burst of warmth, although there was no cooperation, but Mr. Wen did not forget her!

"Thank you, Mr. Wen, and I wish you a happy new year and all the best!"

Mr. Wen said tentatively: "I called to ask you, what are your plans next?" ”

Lin Yao only regarded him as an elder who cared about his future, and didn't think about him, "I've been looking for a new job some time ago, but now that it's the end of the year, it's difficult to find a job, so it seems that I can only wait until next year." ”

"That's right." Mr. Wen smiled, "It just so happens that I need your help with something~." ”

Lin Yao subconsciously sat upright, "Please speak." ”

……

Lin Yao was carrying a big bag, carrying a small bag, and dragging a large box in her hand, and when she got home, Ms. Wen was cooking, while Lao Lin was chopping firewood in the yard.

"Coming back?"

Lao Lin smiled, quickly put down the axe in his hand, and stepped forward to take the luggage in Lin Yao's hand.

"Yao is back?" When Ms. Wen heard the movement, she shouted from the small kitchen: "Don't pestle there, hurry up and wash your hands and get ready to eat!" ”

There are only three people in their family, but they live in a large yard, and there are three kitchens alone, which are large kitchens that are only used during the New Year's holidays, modern new kitchens, and small kitchens that are commonly used.

It is said to be a small kitchen, but it is actually not small, about a dozen square meters, and the innermost part is a wood stove, an old-fashioned red lacquered large cupboard, and a large refrigerator.

Outside, by the window, there was a small square table, where the family ate when there were no guests.

The atmosphere at the dinner table was a little weird.

Ms. Wen looked at Lin Yao, her face was about to speak, she was entangled for a long time, but she still asked the question hidden in her heart.

Yuyu's mother said that Yuyu's forty or fifty square meter house costs millions, and it is not enough for the family to give him all the money saved in the past few years, so he will find a bank loan of 700,000 yuan, a mortgage for 30 years, and more than 3,000 yuan per month in the future!

Others are saying behind their backs that Yuyu is like this in his life.

Yao, be honest, how much did you spend on that house? ”

More than 3,000 a month is considered to be trapped?

Lin Yao definitely disagrees, but in the eyes of many rural aunts, loans are almost equivalent to flood beasts!

Lin Yao regretted that she told Ms. Wen about buying a house too early, even if she wanted to say it, it should be after she arranged everything!

At this point, it is inappropriate for her to continue to hide it!

Even if Ms. Wen doesn't know yet, she will soon know what the housing prices in Hangzhou are, after all, the young people who went out to work have returned.

Lin Yao said calmly: "More than two million." ”

"Bang--"

Ms. Wen was so frightened that her hands shook and threw the bowl on the table, she didn't care about cleaning it up, and asked with trembling lips, "Many, how much?" More than two million? Where did you get all this money? ”

Lin Yao, like most migrant workers in the world, in line with the principle of reporting good news to the elders in the family and not bad news, will always brush over the unpleasant things she encounters outside, and only focus on telling the family the good news, such as promotions and salary increases, so that the elders in the family can be happy.

Ms. Wen really thinks that her daughter has been living a smooth life and has a carefree life!

In fact, when Ms. Wen met people in the village, she said that her daughter's previous unit was very good, and the boss treated her well, and she was turned into a regular and increased her salary after three months!

The latter unit is better, the boss invited her to dinner alone, and she has a special face in the company!

Ms. Wen secretly rejoiced that although her daughter was a little stupid, she was very lucky, and she made a big order in less than a year after going to the new company, and she was able to buy a house by herself!

The only regret is that there is no object so far, and of course, this is also normal.

In Ms. Wen's mind, her daughter is still a child who has not grown up!

She had heard that other people's daughters were in love when they went to college, and she specially called Lin Yao to warn her that she was not allowed to fall in love during school.

As a result, she, a stupid girl, not only didn't talk about it during school, but she didn't know how to talk about one after graduating for more than two years!

This is not a glorious thing!

In the eyes of many people, Lin Yao is already something that no one wants.

Ms. Wen was in a hurry, she first went to the goddess to calculate her marriage, and went to Hangzhou to stay for more than ten days, but found that her daughter really had no object!

Since then, Ms. Wen has been worried about Lin Yao's marriage, and she didn't take her buying a house seriously at all!

It wasn't until later that she heard that a house of forty or fifty square meters in Ningbo was nearly one million, so how much did an eighty-seven square meter house in Hangzhou cost?

Lin Yao has only graduated for more than two years, where is there so much money?

If it's really a commission, how big an order is it to get so much commission?

Ms. Wen originally didn't take other people's malicious speculations seriously, but the more she thought about it, the more scared she became, and the more she thought about it, the more worried she became, whether her stupid girl would do something unseemly as people said!

The atmosphere at the dinner table was almost stagnant, and even Lao Lin, who had always been dull, put down the dishes and chopsticks and lit a cigarette.

Seeing this, Ms. Wen was a burst of light, her eyes widened, and she opened her mouth to scold, "Smoking, coughing at night will be endless, and this will be smoking!" ”

When Lao Lin heard this, he directly threw the cigarette he had just smoked on the ground, and crushed it with his foot to extinguish the little spark. He has listened to Ms. Wen's orders for decades, and he has long been accustomed to nature!

When Ms. Wen retracted her gaze and looked at Lin Yao, her brows furrowed again, and she said dissatisfiedly, "What are you looking at?" You father and daughter, none of them let me worry! ”

Since Lin Yao has decided to face the wind and rain, she will not back down anymore, "I bought the house with a loan, with a down payment of more than 500,000 yuan and a monthly mortgage of more than 6,000 yuan. ”

Bought with a loan?

More than six thousand a month?

Wouldn't that be twice as much as Woowoo?

Ms. Wen's head twitched, her face turned even bluer, and she asked with trembling lips, "Then how many years have you taken out a loan?" ”

Lin Yao's face did not change, and he said lightly: "Thirty years." ”

Another thirty years!

Ms. Wen slapped the case and scolded angrily: "You are not small! How much salary do you have, and you dare to ask a bank for a loan of more than one million? That's 30 years, how many 30 years are there in a person's life? Do you know that you have been trapped by houses and banks all your life! ”

According to the concept of many people of the older generation, it is a very unlucky thing to owe money for the New Year, which is unbearable!

And a mortgage for 30 years is about the same as selling yourself into slavery for 30 years......

In fact, there are many people who call the working class who buy a house with a mortgage a house slave.

Ms. Wen's anxiety and anger were all expected by Lin Yao.

She muttered, "Then let me tell you first, why do I want to buy a house." ”

Because she didn't want her family to worry, Lin Yao had never told Ms. Wen about her life in Hangzhou before.

didn't say that she originally rented a dirty and messy urban-rural junction, didn't say how bad the security was in the place where she lived, didn't say that she rented a small two-bedroom later, and the landlord suddenly wanted to increase her rent by 50%, not to mention that after Li Shulan moved out, the new tenants treated her as a wronged leader.

If Ms. Wen knew this, according to her temper, there were only two possibilities, first, she was worried all day long, and she was so worried that she couldn't sleep; Second, she went to Hangzhou every other day and quarreled with those who dared to bully her daughter.

In either case, it was not what Lin Yao wanted.

After Lin Yao finished picking and choosing about her rental experience over the years, the small kitchen fell silent again.

A family of three sat around the dinner table, and no one had the heart to pick up the chopsticks again.

After a long time, Ms. Wen said, "Why is he? Why is the rent going up so much? ”

Lin Yao explained: "Just because it's someone's house, it's someone's business how much rent to charge!" ”

Ms. Wen's face turned pale for a while, "You should tell people that you are working alone in Hangzhou, and your monthly salary is not much, how can he be so black-hearted and raise the rent so much at once?" ”

In Ms. Wen's view, commissions are sometimes windfalls.

Lin Yao said in a complicated mood: "People are not related to me, why do you care how much I earn?" Can you afford it? For him, if he can afford it, he will live, and if he can't pay it, he will leave! Do you think that's the truth? ”

That's the truth......

Ms. Wen's tone was no longer so tough, but more helpless, "Then you can't give him as much as he wants, you have to learn to bargain with him!" ”

Lin Yao took advantage of the victory to pursue, "I thought at that time, how much the rent will increase every year depends on the landlord's personal wishes.

The mortgage is not, it is regulated by the state, it is relatively stable, generally speaking, how much I pay this year, how much I will pay next year.

The key rent is for free, but the mortgage is like saving money every month, and when I really need money, I can still sell the house and get the money back!

Which do you say is a good deal? ”

The answer is obvious.

"That's right," Ms. Wen was still worried...... "but you have to give so much money to the bank in a month, and you have to give it for thirty years in a row!"

You are twenty-three this year, and you will be in your fifties after paying off the loan, and when I think of this, I feel very uncomfortable!

In this way, you still have some money at home, and you take it to the bank, so that you don't have to repay the loan for so long. ”

Ms. Wen's little money is enough for them to live a small life in the countryside, and it will be a drop in the bucket to buy a house in Hangzhou.

In fact, Lin Yao never planned the money in their hands.

"Don't worry! I have some good news for me. Lin Yao changed his words and said with a smile: "On my way home, a foreign customer called me, and he said that he wanted me to use my spare time to process orders for him, and he would give him a commission. ”

Ms. Wen didn't know what a commission was, and she was puzzled: "What money do you say he wants to give you?" ”

"Commissions are rebates." Lin Yao explained: "Mr. Wen said that he originally purchased in Neon Country, and now he is going to purchase in China, so that his cost can be reduced a lot.

However, there are too many factories in Huaguo, some of which are standardized and some are not standardized, and he can't handle it, so he asks me to help him, and he pays me every month.

From now on, I can earn rice dollars! ”

Ms. Wen had never seen Mi Yuan, but she also knew that it was very valuable, and was pleasantly surprised: "There is such a good thing?" ”

Lin Yao smiled proudly, "This is a car to the mountain, there must be a road!" ”

"You kid, you didn't say it earlier, so I was worried in vain." Ms. Wen wiped the corners of her eyes, slapped her as she spoke, and said bitterly: "It's good to make some extra money, but remember that no matter what you do, don't affect your serious work." ”

Lin Yao lost his mind for a moment.

Serious work......

It's a pity that she doesn't have a serious job as Ms. Wen said.

She can't say anything about this for the time being.

Ms. Wen didn't think about it at all, she asked, "By the way, how much can he give you?" ”

Lin Yao smiled, "I haven't started to do this yet, how do I know how much he can give me?" ”

Mr. Wen's purchase volume this year is close to 5 million yuan, and if she can purchase so much next year, even at the commission rate of 3 percent, her annual income can reach about 150,000 yuan.

She doesn't know how many orders Mr. Wen will give her, and she doesn't know how much commission she can get.

Even if she knew, she couldn't tell Ms. Wen, otherwise the whole village would know.

"That's just as well!" Ms. Wen was not at ease and said, "That foreign customer can really give you money?" Will it turn around and ask you to advance money to him, and in the end, if you pay the bill, where will you ask him for money? ”

Lin Yao asked rhetorically, "How can I have any money to cushion?" ”

Ms. Wen agreed, "That's just as well. ”

Lin Yao continued: "That customer is an old overseas Chinese who is almost seventy years old, he has the same surname as you, and he met in Guangzhou a few months ago, and we hit it off immediately......

Mr. Wen is a very kind-hearted and kind old man, and his wife also likes me very much!

Don't you know how high wages are abroad?

Mr. Wen proposed that he asked me to help him do things in China, so that he saved money, I made money, and everyone was happy!

You don't have to worry about money, when the time comes, he will call the money first, and then I will help him do things, and I don't have to pay a penny. ”

Ms. Wen finally understood what was going on this time, and she suddenly smiled from ear to ear, "Oh my God, this is really a big luck!" You can meet such a good customer! No wonder the goddess of the hemp car said that your life is good! ”

Lin Yao didn't think so, if the goddess didn't say that her life was good, could Ms. Wen give money?

She didn't refute it, Ms. Wen was happy!

Lin Yao followed her words and said, "On the way back, I was thinking, why did such a good thing fall on my head?" Later, I figured out that the main reason is that you and your father have good character and have accumulated blessings for me, so that I can go this luck. ”

"Not really!" Ms. Wen thought so, "You don't know, that summer, the head of the village suddenly died, they didn't even have a coffin at home, that day the wind and rain were urgent, and there was thunder, the road was not clear, and the coffin shop refused to deliver the goods!" Your dad is a fool, he rode a three-wheeled car to help someone pull a coffin back!

It took a day to go back and forth for forty miles, and his family was poor, and he didn't charge a penny!

What's even more infuriating is that people really don't give it, according to me, at least twenty dollars of gasoline money should be given......"

Lao Lin always does this kind of thing, otherwise why does everyone say that Lao Lin is a good person?

But why is Ms. Wen's focus always so unique?

Lin Yao hurriedly pulled the topic back, "Don't blame your father in the future!" No, I met noble people to help me, and this is all because you usually do good deeds and accumulate virtues. ”

The big stone in Ms. Wen's heart finally fell, and she said beautifully: "Finally, good people have good rewards, let's eat, this dish is cold!" ”

Lin Yao was still not at ease and said, "Mom, don't tell anyone about this, lest they talk about me again." ”

Ms. Wen patted her chest and packed the ticket, "Your mother and I know it in my heart, how can I go around talking to others about this kind of thing?" ”

Ms. Wen seems to have said the same thing about buying a house last time......

Lin Yao followed her words and said, "Yes, if you let others know that your daughter has made a lot of money, they will come to you to borrow money, do you borrow or not?" ”

Ms. Wen's face sank, "There are no doors!" ”

Lin Yao secretly breathed a sigh of relief, it is still good to have weaknesses, one catches one accurately!