Chapter 1082

Chapter 1082

at dusk.

Nan Huaiqiu called, and Nan Yi went to Nan's courtyard.

When he arrived at the courtyard, Nan Yi found a male guest in the living room. Recalling, the guest should be surnamed Dong, but the exact name is not clear. Nan Huaiqiu is a colleague in the same office.

When Nanyi was a child, he usually had lunch in the cafeteria of the No. 2 Chemical Factory. Occasionally, he forgot to take the meal ticket, so he would go to the office to find Nan Huaiqiu to get it. Naturally, when he met other people, Nan Huaiqiu would point out and call people. Uncle Dong, Uncle Li and the like can only be called this way. A kid is not qualified to let an adult introduce himself with his full name.

"Uncle Dong."

"Nanyi, Uncle Dong hasn't seen you for almost twenty years. In a blink of an eye, you are in your thirties. You, Uncle Dong, are at retirement age."

The No. 2 chemical plant is not small, and the family courtyard is not small. There are several ways to enter and exit. If it is not intentional to block people, like the former Nanyi, it leaves early and returns late, and does not go home every day. It is difficult to meet people in the factory by chance.

"Uncle Dong, you are not old, you look very young."

Nan Yi responded with a smile, guessing in his heart that Nan Huaiqiu calling him back probably has something to do with Uncle Dong in front of him.

Before old Dong could respond, Nan Huaiqiu said to Nan Yi: "Nan Yi, Uncle Dong wants to consult you about something. If you are clear, please talk to Uncle Dong."

Hearing this, Nan Yi looked at Old Dong, "Uncle Dong, what do you want to ask?"

"Nanyi, it's like this. The three boys in my family, Aidang, Yongjun, and Jianguo, were all unlucky, and none of them got a house allocation. No, Aidang worked in the factory and lived in the tube building in the factory at first. , after your family moved out, your father lent your family's house to Ai Dang to live in.

The boys Yongjun and Jianguo both live in houses arranged by their units. The houses are not divided, and they will be taken back whenever they can't agree. "

As soon as he listened to Huatou, Nan Yi basically guessed what was going on. Most likely, Dong's family wanted to buy a house, but they couldn't get together the money, so they went to Nan's house to ask for a solution. It's unlikely to be borrowing money. If it's borrowing money, Nan Huaiqiu doesn't need to call him over, just talk to Yi Jinru directly. It should be the idea of ​​a mortgage, and he wants to get Liu Zhen's back door through him.

Mortgages have been around since 1991, but just after two years of trial implementation, they encountered the problem of overheating real estate, and the mortgages that had not been released much have shrunk back. "Interim Measures for the Administration of Housing Loans", which means that housing loans have been liberalized again.

It’s just that the conditions are relatively harsh. First, double guarantees are required, that is, mortgage guarantee and guarantee guarantee. The term of the deposit must be more than half a year, which means to put an end to the behavior of temporarily borrowing the down payment from outside for buying a house.

Among the three requirements, the first one is the most troublesome. It is difficult for an ordinary person to come up with collateral worth 100,000 or more. At the same time, this one is also the simplest. As long as there are acquaintances in the bank, there is room for manipulation.

"My family has been frugal over the years and has saved a little money. If I go to Nanyuan to buy a resettlement house, I can borrow a little from outside to buy three sets of 55 square meters. I have visited the house and the house is not high, less than 40. square meters.

Living so far away, the house is small, and the three daughters-in-law in the family are not quite reconciled, and want to buy the house in Fangzhuang, so..."

Old Dong looked at Nanyi with hope on his face, "Nanyi, can you ask your wife to go through the formalities and borrow some money from the bank?"

Before Old Dong finished speaking, Nan Yi had already considered what to do. As soon as Old Dong finished speaking, he said, "Uncle Dong, you don't need to take a loan from the bank, and the interest on the loan is quite high. In this way, you let The three elder brothers went to Fangzhuang to choose a house, and when the selection was finished, I told my mother, and my mother came forward to buy the house first;

Then the two of us signed an agreement, and the money for buying the house was divided by 120 months. The three elder brothers would hand over the money to my mother on a monthly basis. After the money was settled, the house would be transferred to the three elder brothers. The eldest brother has a new idea, and he doesn't want the house anymore, that's okay, let my mother return the money, and we will pretend that we haven't signed any agreement. "

Nanyi believes that as long as the house price rises a little bit, the Dong family will worry about having long nights and dreaming. Everything will be recalled in the Dong family's mouths about how aggressive and powerful Yi Jinru was in the factory in the past. I want to transfer the ownership of the house as soon as possible, so the money doesn't need to be advanced for ten years, it is estimated that it will only take three or four years.

When Old Dong heard the plan given by Nanyi, he naturally agreed a hundred times. After thanking him again and again, he couldn't wait to leave and leave. He wanted to tell his wife and son and daughter-in-law the good news as soon as possible.

As soon as Old Dong left, Nan Yi left Nan Huaiqiu alone in the living room, took the phone to the alley outside the courtyard, and called Yi Jinru.

After making the phone call, Nanyi stayed in the alley for less than half an hour when he saw Wenren Lanyue and Yi Jinru's cars driving into the alley in a line. When they got off the car, he told them what happened just now. people listen.

Yi Jinru exploded after hearing this, "This coffin will bring disaster to the family's money, I'll scratch him to death."

Saying that, Yi Jinru rushed into the yard in a hurry.

"Nanyi, will housing prices become more and more expensive in the future?" Wenren Lanyue said after watching Yi Jinru leave.

"Sister-in-law, I can't find a few things that are cheaper than ten years ago."

Wenren Lanyue explained: "I mean, is the house price more expensive than the air conditioner at home?"

Every house in Nan’s house is equipped with an air conditioner. Mitsubishi’s was purchased from Jingxi Tesco. The normal retail price of one set is more than 14,000.

"Sister-in-law, have you watched "The Romance of the Three Kingdoms" last year?"

"See it every day."

Nan Yi nodded, "Then you are no stranger to the official position of State Shepherd, right?"

"Um."

"There is a saying in the Zhou Rites called 'Hou Bo has meritorious deeds, and he is appointed as the governor, which is called a shepherd'. The official position of the state shepherd comes from here. Shepherd can be a verb, meaning to herd livestock, or it can be a noun. A person who herds livestock.

In ancient times, the people were cattle and sheep, and the state herdsman managed the people to graze the king. As long as the cattle and sheep did not run away or riot, he was a qualified official.

In our 5,000-year history, there have been two reasons for the change of dynasties. One is the invasion of foreign enemies, and the other is famine. As long as the peasants are hungry, they will rise up. A red line that cannot be crossed - food and clothing for farmers.

In the Northern Song Dynasty, there was a famous poet who was also an irresponsible official. His name was Su Shi, and everyone used to call him Su Dongpo. He had a salary as an official, and he wrote good poems. Many people liked him and worshiped him. , The collection of lyrics he wrote is similar to the records of popular singers now, and they don't sell very well.

But even so, he couldn't buy a house in Kaifeng Mansion in his poor life. As a last resort, he had to go to small counties in other provinces to invest in a few small houses.

Later, his eldest son Su Guo held a wedding in Kaifeng Mansion, but failed to get a wedding house. Su Dongpo became impatient and cursed, "I wrote water tune songs and invented Dongpo meat, but I unexpectedly No room. '

Compared with Su Dongpo, his younger brother Su Zhe had a higher official position. He worked hard and diligently. After decades of working years, he finally bought a house when he was seventy years old. In the nearby county town, compared with the capital city, it means that his house is almost bought in Miyun.

For this matter, Su Zhe also wrote a crooked poem, the beginning of which was written like this--Brother, my mother's hair is all white, and I still can't afford a house, is there any reason? (My hair is half white, and there are no feet in the world)"

Wenren Lanyue smiled knowingly when she heard the word "puffy calf".

"In the Tang Dynasty earlier than the Northern Song Dynasty, there was a man named Bai Juyi. At the beginning, his official position was the school secretary. In today's words, he was proofreading red-headed documents in the central office. Bai Qingtian's position is not too high, but the salary Not low, equivalent to today's RMB, about five thousand a month.

Although Bai Qingtian's salary is so high, he couldn't afford a house in Chang'an, so he could only rent four huts in the eastern suburb of Changle. The rent in the city center was too high for him to afford, so he was very unrestrained Buying a BMW for a short time is equivalent to buying a car as a means of transportation.

Bai Qingtian only hired two servants to take care of his daily necessities. The monthly expenditure was about 1,670. He refused to rent a good house in the city center at a high price, so he saved the remaining 3,340 and devoted himself to it. He wanted to buy a suite in the city center, but after saving for twenty years, he still couldn't afford it.

Bai Qingtian, he has the title of Poet Demon, he writes poems well, but he doesn’t understand economics, he doesn’t understand inflation, and he can’t afford to buy a house. I just wrote a crooked poem "Buju", and when I was alone at night, I would cry and hum in the moonlight: I want to have a home, a place that doesn't need much..."

Hearing Nanyi's humming, Wenren Lanyue covered her mouth and couldn't help laughing.

"From ancient times to the present, housing prices have never been cheap in Kyoto. We used to enjoy welfare housing, but now the word "commodity" is added in front of the house, so it is a commodity. As long as it is a commodity, it has its internal laws. What determines the price of an item?

value?

No, the only thing that can determine the price of a commodity is the relationship between supply and demand.

Commercial housing in a core city is scarce enough. Sister-in-law, I assume you are an office worker working in Shichahai. Even if you have seven or eight houses with more than 100 square meters in Yangcheng, it still cannot replace you. I want to live within the urban area of ​​the capital.

Regardless of whether you are renting, distributing or buying a house, as long as you work in Shichahai, you must be within the suburbs. If you do not earn enough money to buy a house, you need to rent a house to solve your work problems, the length of commuting time and The quality of living depends on the rent you are willing to pay.

Assuming you have enough money to buy a house, I believe you will be more willing to buy your own commercial house, because you can own the property rights of the house and the income from house price appreciation. The size and quality of the house, and the distance from where you work, depend on the funds in your hands and your future income expectations.

What I said above is only considering your personal factors, sister-in-law, if..."

Nan Yi paused and asked, "Sister-in-law, when are you and elder brother going to have a baby?"

Wenren Lanyue didn't look worried, and said openly: "We discussed it and plan to conceive in the middle of next year."

"Oh, when my little nephew reaches the age of studying in the future, sister-in-law, you must hope that he can go to a better school. Each school has a district for enrolling students. For an ordinary office worker, if you want your child to enroll in the school you want schools, you can only buy houses within the school enrollment area.

There are not many good elementary schools and middle schools in the capital, and there are not many good ones. You can point them with one hand. In such a big capital, there are not many parents who pay attention to their children's education. Parents who are able to work hard are like crucian carp in a river. It will make houses around good schools more scarce.

Rare things are more expensive, supply and demand are seriously unbalanced, and there are several, even dozens, or hundreds of buyers competing for a product at the same time. I don't think there will be any seller who will not take the opportunity to raise the price..."