"I discussed it with your mother, wait a few more days, and after the mango seed, there is nothing to do in the field, let's find some people, rip off the old house, and then build a small three-story ......"

Mo Hui listened silently, calculating the possible borrowers, Dad's requirements must be met as much as possible, according to Dad: The family has worked hard for 20 years, and it is easy to provide for a college student, and now the child is out, and the monthly salary is almost 20,000 yuan.

This statement is indeed true, although Mo Hui understands that if this kind of help continues, it will be difficult for him to save money, make it difficult for him to settle in this difficult city, and even affect and limit his future development space, for example, he does not dare to change jobs casually now, and the loss of intermediate opportunity costs is incalculable. Pen | fun | pavilion www. ｂｉｑｕｇｅ。 ｉｎｆｏ

These questions can be figured out by Mo Hui, but things have to be done, there is no perfect thing in the world, he can only do this in his current state, even if it does great harm to his future development, he not only can't refuse or even complain, he can only meet his father's requirements almost as soon as he wants.

Phoenix man~~

The semantic meaning of the word accurately describes the predicament he is currently facing.

The only slight consolation was that there were several similar situations among his classmates or acquaintances, and he was the best living among them......

“…… I calculated, dig the foundation, let's find someone to come by ourselves, build a house and ask a bricklayer from the neighboring village, use your third aunt's house for the design drawings, let's build one exactly the same as your third aunt's house, and dig the sand from the river ourselves, so that we need to buy cement, red bricks and prefabricated slabs, and ask a crane when we put on the board, and there will be nothing more. In this way, it is estimated that 2.78 million yuan is enough to build the white ash and tiles used for decoration, as well as a few furniture and electrical appliances that need to be replaced. ”

It's almost the same as expected, but my dad calculated more finely, and counted the money for decoration and furniture and appliances, and it is not a loss to change a small third floor to the home with a small 300,000 yuan, which is already very calculated, and the same money is estimated to be enough to buy a toilet in Kyoto.

“…… Daddy......" Mo Hui hesitated, "...... When do you want it? ”

"The sooner the better, now the family has to start preparing materials and start looking for people."

"Then I'll give it to you in batches, okay?"

"It can't be delayed for too long, we have to start work after the mango planting, it is estimated that it will be all done before the autumn harvest, and it will be difficult to hire people when it comes to the autumn harvest, even if it is a lot more expensive to hire labor."

“…… Okay...... "Mo calculated for a while, there are still more than two months to go to the mango seed, and the time should be enough." “…… Before the mangs, I remitted the money in batches. ”

"Okay, it's better to have a college student at home, thanks to your mother who insisted on letting you read the book back then."

“…… Does my mother's back still hurt? ”

"It's okay, it's just a burst, and it doesn't always hurt, just use a warm water bag to boil it, by the way, let your mother talk to you."

"Hui Zai, do you have a girlfriend?"

“…… Not yet, there are a lot of things in the company, so I can't take care of these. ”

"Alas, your company is good at everything, the boss is good, it's just not good, I'm usually too busy, I don't give any free time, so I don't even have time to find a girlfriend."

Mo Hui knew that the expression on his face at this time must have been embarrassed, and every time he was asked this question, he was extremely embarrassed.

"Mom, this matter is not urgent, it depends on fate, it doesn't mean that it's a girl, it has to be able to see each other."

"I know, I know, I want to live together in the future, and I can't get along. Mom isn't in a hurry to hold her grandson, and when you go back and have a child, Mom will go to show you the child. Usually when I bask in the sun, I always watch the neighbors come out with their children in their arms, and your mother and I are angry......"

"Okay~~Okay~~ I'm trying to find ...... Find a daughter-in-law as soon as possible. Whenever the phone call came into this link, Mo Hui could only run away and end the call quickly.

When he returned to his seat, Mo Hui was a little distracted, and he was thinking about where to find the remaining hundreds of thousands. Now he can probably get two months' salary, this is 2w5, there is 12w left in the card, this is 14.5w, the rent has already been paid, don't worry for the time being, he usually doesn't have any expenses, the rest of the two months' meal money or something, compressed and compressed, plus usually eat overtime meals in the company, basically don't eat breakfast, 500 yuan should be enough.

Then there is a gap of about 140,000 yuan, Mo Hui pondered for a while, it stands to reason that the boss of the company is more reasonable, if you talk to the boss, it should not be a problem to lend this money.

However, Mo Hui hesitated for a moment, and still vetoed this method, because if you do this, you will owe a lot of favors, although this money does not matter to the boss, but it is not a small amount of money for employees, once the money is borrowed, this is a private favor.

He is now thinking about changing jobs, although it is not easy to find a good opportunity, and he may not be able to jump after half a year, but if he owes this favor, it will be difficult to mention leaving in the short term. Mo Hui believes that if he changes jobs again, it is very possible that the salary will approach 30k, and even if he can't, it should not be a big problem to go to 25k.

After such calculations, he changed jobs a year late, and at least lost hundreds of thousands, so the cost of this favor is too high, and it seems very unnecessary.

The company is rejected here, and the next public channel is credit cards and personal lines of credit. Even if it is difficult to withdraw cash on a credit card, it is estimated that it is okay to directly let my father take the credit card and pay the bill.

The credit card can have an interest-free period of more than a month, and then think about applying for an installment repayment, which is estimated to solve a lot of problems. If the 140,000 shortfall is all credit cards, Mo Hui will probably have to apply for three credit cards.

You can go back to a few banks to apply for a credit card, two months is enough time to apply for a credit card, and you can ask about personal credit loans, but Mo Hui basically doesn't have much hope for this, just with the usual hearing and word of mouth, you can understand that it is not a general difficulty to apply for a loan from a bank.

In addition to this, Mo Hui also has a way to get money, he can withdraw the provident fund, and apply for a provident fund loan, this is also a way, the only problem is that there are no procedures and information for self-built houses in rural areas, and I don't know if this road can be passed.

After such a circle, Mo Hui basically has the bottom in his heart, the cash of about 140,000 yuan, he should be able to solve it through public channels, although he needs to pay about 5% interest per year, but if it is operated well, this interest should be reduced a lot.

As for the private borrowing between classmates and friends, Mo Hui felt that this was the last way of last resort, and Mo Hui believed that he could borrow money from his friends, but it was difficult to say how much he could borrow.

To borrow or not to borrow, to borrow more or less, whether to write an IOU, when to return it, whether it can be returned on time, what to do if a friend urges the account, there will be countless places to test the friendship between the two sides, unless there is really no way, Mo Hui does not want to verify his circle of friends.

After many things have been done, the nature has changed, and it is difficult to return it, rather than testing the friendship between the two parties for a little interest, it is better not to give this opportunity at all - in the face of money, many things are fragile......