Chapter 50 Buying a house can still be done like this
Su Wan actually didn't think about anything, just because she was close to Gong Weiwei, the two were more able to chat together, and this exclamation was purely idle and fun.
However, what Su Wan didn't expect was that on the other end of the phone, Gong Weiwei pondered for a while, and suddenly asked her, "Do you fall in love with that house?" If you're sure you want to buy it, tell me about the house. ”
Su Wan was stunned.
After several contacts, she found that Gong Weiwei was a very practical woman.
She doesn't talk much, and her temper is not very good, but she doesn't need to ask for many things, as long as she can do it, she always tries her best to help her.
For example, this time, the customer was in a hurry, and many materials were not ready, but she still led them to the bank to sign the loan.
The bank account manager over there also seemed to be very face-saving for her.
Since Gong Weiwei asked her like this now, there must be some way to help her, right?
"In the XX community, the fifth floor, 53.13 square meters, built in 1994......" Su Wan's heart moved, and quickly reported all the information of the house to Gong Weiwei.
"Okay, you wait, I'll ask my colleague how much this house can be evaluated, and I'll figure it out for you." As she spoke, Gong Weiwei hung up the phone.
Sure enough, as Su Wan expected, she didn't need to take the initiative to ask for it, and Gong Weiwei was enthusiastic to help her.
Su Wan's heart was pounding, and she looked at the house carefully.
"Guoguo, mom wants to buy this house, do you think it's okay?" Su Wan, who was excited, led Guoguo around the room.
"Good~"
Where does the child know what house, or whether it is good or not, he just feels happy when he sees his mother happy.
"Guoguo, if we can buy this house, I will decorate this room into a very beautiful children's room, and let you live for yourself, okay?" Su Wan was immersed in his own imagination.
"No, I'm going to sleep in a room with my mother." Guoguo shook her head firmly.
"Well, it's okay, this room here is so big, it's more than enough for a two-meter bed." Su Wan stepped on every square brick in the house with her feet, as if the house would soon belong to her.
"Mom, you buy this house." Guoguo suggested it seriously like a little adult.
"Why?"
"Because I see a slide and a swing~" Guoguo's big eyes were full of longing.
Oh, Su Wan remembered, when she passed by the small playground in the community just now, she really noticed that there were a lot of children's entertainment facilities there.
Although the weather was not warm at this time, there were a few old men and old ladies who led their children and grandchildren to play in that small playground.
If you really buy this house, there will be many children in this community who go to school with Guoguo, and from childhood to adulthood, he will have many playmates to grow up with him, which will be a very good childhood memory for children in the future.
"Well, okay, Guoguo, mom must do everything she can to buy this house." Su Wan, who was excited, reluctantly returned home with Guoguo.
Because everything was still in the void, Su Wan suppressed her excitement and didn't mention a word about the house to her husband Zhang Huanyu.
Early the next morning, Su Wan felt that time passed so slowly, time was like a thousand-year-old man, slowly moving minute by minute, she looked at the timetable under the computer countless times, anxiously waiting for Gong Weiwei's reply.
"Ring, ring, ring~" The phone finally rang, and Su Wan looked at the time meaningfully.
It's 11:05:35 a.m. Beijing time.
Su Wan quickly answered the phone: "Hey, hello Sister Gong~" There was incomparable expectation and enthusiasm in his tone.
Can you not expect, can you not be enthusiastic?
If it is done, Gong Weiwei is really a great benefactor of her whole family.
"Xiao Su, I asked a colleague about the house, and I can give you a maximum of 250,000 yuan, and if you take out a loan of 70 percent, you can loan 175,000."
Su Wan held the phone in his left hand and pressed his right hand on the computer quickly.
Aunt He said that her house costs 200,000 yuan, and when she signs the contract, it can be cheaper, so she can buy this house with a down payment of 25,000 or less.
She now has a little over 30,000 yuan on hand, and the actual down payment and closing fees should be enough.
However, Gong Weiwei just said that the house should be assessed to 250,000 yuan, then, according to this calculation, she should give the owner a down payment of 75,000 yuan in order to match the amount.
Emma, where can I borrow another 40,000 dollars?
Su Wan's heart full of hope suddenly felt cool, and she had to say to Gong Weiwei in embarrassment: "Sister Gong, my down payment is not enough." ”
"How much money do you have?"
"It's a little more than 30,000~" Su Wan was a little embarrassed to blow up his meager family background to others.
Gong Weiwei pondered for a while, and then lowered her voice: "You operate like this, you borrow it first, give the landlord 40,000 yuan, and then let him call you back, and then, you can call 35,000 again, so that you have two payment receipts, and you can make up enough for a down payment of 75,000." ”
After a muffled thunder, the rain poured down, and after a while, the sun hung high in the blue sky, and a colorful rainbow appeared on the edge of the sky.
Su Wan, who hasn't been an intermediary for a long time, really didn't know that buying a house could still be operated like this.
(In the past, this way of buying a house was true, but now it doesn't.) Now go to the bank to apply for a loan, and the account manager will see if you have enough balance on your card before giving you approval. )
Thinking about how stupid she used to be, she thought that only after saving enough money could she apply for a loan to buy a house.
Emma, thanks to being an intermediary, otherwise with the speed at which she saves money, she will never be able to keep up with the rate of rising housing prices, so maybe the current Su Wan is still renting in that small attic in the cold winter and hot in the summer.
Su Wan, who was excited, was a little worried: did the homeowner agree with her to do this?
Because when you take out a loan, you have to approve the price of the house, and you have to give the bank a receipt of how much money you have received for the down payment.
If the homeowner has concerns, then her good wishes will definitely not come true.
However, it is up to her to do the work herself.
Su Wan thanked Gong Weiwei for a while, and then hung up the phone.
In everything, how do you know if you will succeed if you don't try?
Even if it is not successful, it is a big deal to put Aunt He's house on the Internet and sell it, and she will still earn intermediary fees.
Su Wan cheered herself up, pondered for a while, and called Aunt He.