The heaviest thing I said to Jun Jiuyuan was that when she was pregnant, she couldn't contact him, and he hid it from her, I don't know what she was doing, that time because she was pregnant, her temper was not very good, flammable and explosive, so she would call him directly, and he was limited to return home within three days, otherwise he would divorce.

Chu Ya and Jun Jiuyuan also said the word divorce that time.

After that, it was never said again.

She didn't know how other couples got along, she didn't care much about Jun Jiuyuan's other things, if he wanted to say it, she would like to listen. If he didn't want to say, she wouldn't have asked.

Everyone is an adult, and they know how to deal with some things, instead of being like a child and relying on others for everything.

Chu Ya has also slowly made her personality stronger since she became disabled, and she wants to do many things by herself. I don't want to trouble others too much.

After staying at her grandmother's house for a few more days, Chu Ya received a report from Jun Jiuyuan that the funds he could withdraw now were only 100,000. Because he bought a car a year ago, and now the company still needs funds to operate, he can get 100,000 yuan, which can be said to be the largest amount under the condition of ensuring the normal operation of the company.

The house is 110 square meters, about 7,000 square meters, and the total price of the house is 770,000. The down payment is 30%, which is 231,000, and then the loan is 539,000. If the loan is for 20 years, the interest rate is 6.15%, and the principal and interest are equal, then it needs about 3,909 yuan per month. If it is converted to the same amount of principal, the difference in interest for 20 years is more than 66,000 yuan.

If Chu Ya really wants to buy it, it means that Jun Jiuyuan has paid 100,000 yuan for the down payment, and the rest of the down payment, as well as the deed tax, housing maintenance fund and other expenses have to be paid by herself.

After Jun Jiuyuan reported the number, he had something to say and stopped, although it was on the phone, Chu Ya still noticed his hesitation, and asked directly, "What's wrong?" If you have something to say, just say it. ”

- "Wife, if it's really not enough for a down payment, I'm going to sell the car." This car has only been bought for more than a month, and more than 200,000 people have bought it, so I will sell it. ”

"No, I don't. As soon as you buy a new car, you hit the idea of it, and we won't get to this point. Don't worry, let me do the math first. ”

- "But, isn't there enough money?" I only took 100,000 yuan. Why don't I borrow money from my eldest brother and my second sister? ”

"Don't! It's our own business, and there's no need to bother them. Don't worry, I'll calculate it first, and I'll talk to you about the situation later. ”

In two days, Chu Ya calculated the loan data comparison of 5 years, 10 years, 15 years, and 20 years. Make the forms one by one, and then weigh for yourself which way of repaying the loan is more suitable for her and Jun Jiuyuan.

It's March 1st.

When Chu Ya woke up early in the morning, she just went online and saw the new loan benchmark annual interest rate, which was 5.75% for 3-5 years (including 5 years); 5.9% for more than 5 years.

Seeing this, this is a lot lower than before. It was 6.15% for more than 5 years.

Chu Ya thought about it, and then calculated the current savings in her hand, she decided to make a down payment of 240,000, and then the remaining 530,000 yuan was to borrow from the bank.

After her discussion with Jun Jiuyuan, she finally decided to take out a ten-year loan, which was more suitable for the two of them. Twenty years is too long, and ten years is the best for them, they need to think about their children's education, but also need to consider whether their living standards will decline in the future.

After deciding, Chu Ya also began to prepare, and contacted Master Zhuzi Yao on the Internet.

[Haruka Tsukiko]: What's wrong?

[Chu Ya]: Master, can we issue a proof of income for buying a house on our website?

[Haruka Tsukiko]: Huh? Are you buying a house?

[Chu Ya]: Yes, there is a real estate I like and I want to buy it.

[Tsukuko Haruka]: Our company can issue a certificate of income. Wait a minute, I'll see what information is needed.

[Chu Ya]: Okay.

[Haruka Tsukiko]: I just asked, can I give you a certificate of income for this year.

[Chu Ya]: Then please trouble to stamp the company's seal after the certificate is issued, and I can submit the information. Send me this certificate backwards, and I'll pay the postage here.

[Tsukuko Haruka]: Okay, what's your address?

[Chuya]: LP County, GD Province********

After solving the income certificate, the next step is to need the household registration book and marriage certificate.

It's just that these are all in her hometown, and she also needs to go home, and first withdraw the money she needs to buy a house and put it on her current card. It's just that after a few days of going back, I have to come down again.

If you take your son back and forth, it will inevitably make this little guy too hard.

In the end, it was Aunt Hu who spoke, "You go back with Jiuyuan, Chenchen is here." Just take advantage of this time to wean Chenchen. ”

Chenchen hasn't been weaned yet, and Chu Ya originally thought that after returning to his hometown from DG, he would wean his son directly. As a result, now because of the purchase of a house, the matter of weaning is directly put on the agenda.

After Chu Ya heard her proposal, she nodded, "Okay, let's do this." Then Jiuyuan and I will go home first, Mom, you bring Chenchen here, I will be back soon. ”

"Rest assured. Here, too, your aunt and uncle will help, out of the way. ”

Aunt Hu nodded, indicating that there was no problem.

In this way, Chu Ya did what she said, packed up her notebook that day, and then drove back to her hometown with Jun Jiuyuan.

After returning to his hometown, Chu Tian also received the news, he heard that Chu Ya and Jun Jiuyuan were going to buy a house, he also went to the bank the next day, he took out 50,000 yuan in cash, and planned to give it to her after his daughter came back.

Chu Tian is honest in his life, not a person with a lot of wealth, and the 50,000 yuan is used by him thriftly.

When Chu Ya finished his work in the bank and went home with Jun Jiuyuan, his father Chu Tian called the two of them into the room, and then took out the 50,000 yuan, his hair was black and white at this time, and he looked a lot older.

He glanced at Chu Ya lovingly, "Jiuyuan, I only have two daughters in my life. Ya'er is my youngest daughter, I don't have much success in my life, I'm just an ordinary working man, you buy a house, I can only come up with 50,000 yuan, not much money, but this is my heart. ”

After speaking, he stuffed the money into Jun Jiuyuan's hand.

Jun Jiuyuan was taken aback, and hurriedly refused, "Dad, don't be like this." The down payment on the house, Ya'er and I can scrape together enough. It's your money, you just save it. In the future, when Ya'er and I are really in trouble providing for a house, I will definitely open up to you. ”

"But ......"

When Chu Tian was about to say something, Chu Ya interrupted him on the side, "Dad, listen to Jiuyuan." We're not at the most difficult time now, so let's just let the two of us hold on first. If I really can't hold on, I'll definitely open my mouth to you, and then you don't have to be stingy. The neighbors around here all know that I am a well-known gnawing old man! ”