The heavens set sail from the courtyard

Chapter 927 Borrowing Money to Buy a House
Chen Zufa finally left Xiaogang Noodle Shop in despair. Zhu Zhe saw through his character and broke up firmly without any ambiguity.

After such a fuss, Wang Gang felt that there would be no business today, so he simply closed the store early and asked the clerk to leave work early, and his wages would still be calculated.

Zhu Zhe was very embarrassed. He said sorry to Wang Gang many times and even took the initiative to stay and help clean up.

Wang Gang tried to persuade him several times but stopped insisting.

"Sister Zhu, what are your plans for the future?" Wang Gang asked Zhu Zhe while washing the dishes.

"I have also figured out that women do not have to rely on men. I will work harder in the future and try to buy a small house in Shanghai to settle down."

Chen Zufa told Zhu Zhe that he had no interest in love and marriage for the time being, and just wanted to put down roots in this big city through his own efforts.

Wang Gang knew that house prices in the Magic City would skyrocket starting next year. With Zhu Zhe's salary as a hotel cleaner, it would be difficult to buy a house.

"Sister Zhu, if you want to buy a house, it's best to buy it now. Housing prices in Shanghai will definitely rise next year." Wang Gang reminded him heartily.

"How can I afford to buy a house now? I can't even come up with the down payment." Zhu Zhe laughed at himself.

Wang Gang said: "How about borrowing it from your family? Let's settle on the house first and pay it back slowly later."

Zhu Zhe felt sad for a while. It would be better if her family members didn't ask her to borrow money.

Wang Gang raised his eyebrows and said: "Sister Zhu, if you believe me, it would be best to settle on the house years ago, even if you get a loan, and pay the mortgage every month."

Nowadays, the average house price in Shanghai is about 3 yuan. Good-quality houses are more expensive, but in some old and small communities, house prices will be cheaper. This is the best time to buy. Even if you keep them, the value will increase.

Once 15 years pass, housing prices will experience a surge.

"If you are short of money, I can lend you some first." Wang Gang suggested.

"I can't ask for your money." Zhu Zhe refused directly: "It's not easy for you either."

"My parents have received the compensation payment and are preparing to buy a house. If you have time, you can also accompany me to look at the house." Wang Gang said.

Wang Gang really wanted to help Zhu Zhe, firstly because they were friends, secondly because she looked like Sheng Rulan and matched Wang Gang's eyes, and thirdly because Zhu Zhe had protected him without hesitation just now.

Zhu Zhe thought about it for a long time before agreeing to accompany Wang Gang to look at the house as a consultant, but he would never borrow Wang Gang's money to buy a house.

She always felt that it was best not to involve money between friends, and the money needed to buy a house was not a small sum.

Wang Gang has about 300 million in his hand. The value has increased a lot through the stock market in the past few days, and he can buy a house of more than 100 square meters.

He lives alone and nothing too big is suitable.

When Zhu Zhe was in love with Chen Zuffa, he did consider buying a house and getting married, so he studied the housing market in Shanghai and recommended Wang Gang to buy near the university town.

Nowadays, houses in the university town area are not yet available, so housing prices are not high, with the average price being a little more than 2.

The government has planned to build a subway and bus station near the university town, so the transportation is very convenient.

Zhu Zhe took a fancy to a real estate project under construction and recommended it to Wang Gang.

"That real estate is called Ode to Joy. I've seen the brochure and I think it's pretty good. Do you want to go take a look!"

Wang Gang was stunned when he heard the name of the property, thinking that he would not come to the world of Ode to Joy again!
Later, Zhu Zhe brought the real estate brochure, and Wang just discovered that although they were both called Ode to Joy, the real estates were located in different locations and had different opening times.

Combined with Zhu Zhe's face, Wang Gang is almost certain that he should have come to the world of the sequel to Ode to Joy.

When Wang Gang first started traveling, he had only seen the first two parts of Ode to Joy, but he heard that a third part was going to be made. Unfortunately, he time traveled to the world of Siheyuan before he started filming.

The drama "Ode to Joy" tells the story of five girls, and Wang Gang estimates that Zhu Zhe should be one of the five protagonists.

Zhu Zhe saw that Wang Gang was silent and thought he didn't like Ode to Joy, so he took out some more real estate brochures.

"Xiao Gang, do you have any ideas about the house?"

Wang Gang smiled and said: "It's okay, Ode to Joy is good, but the building hasn't been built yet. If you buy it now, you have to wait two or three years before you can move in."

Ode to Joy is now an empty land, and construction has not started yet. It is a pre-sale property. It will take at least three years for the building to be completed and renovated to spread the smell.

The house Wang Gang wanted to buy could be moved in immediately, so he could only look at second-hand houses, preferably ones closer to the noodle shop.

Zhu Zhe said: "The houses near the noodle shop are quite old, and the environment is not very good. I don't think the potential for appreciation is as great as the Ode to Joy."

Wang Gang agreed with Zhu Zhe's vision. It would not be a problem for the price of houses near the university town to double in a few years. The old, broken, and small houses were indeed incomparable.However, old and small schools also have advantages. The surrounding living facilities are complete, and there are many hospitals and schools, which are not comparable to new communities.

What Wang Gang meant was to buy an old shabby little place to live in temporarily, and use the remaining money as a down payment, and then buy Ode to Joy.

When Zhu Zhe heard Wang Gang's idea, he couldn't help but praise: "You have a good idea. You first buy a small house nearby to facilitate your work. When Ode to Joy is completed, you can move there, and then rent out the small house and pay the rent back." Take a loan and you will have two houses.”

"But the purchase of houses in Shanghai is restricted, can you buy two?" Zhu Zhe asked worriedly.

"It's okay. I'll find an outside company to do it. It's nothing more than spending more money." Wang Gang said with a smile:
"In fact, you can also take a loan to buy a house in Ode to Joy, and then rent out a room in the future, and the rent will be used to repay the loan."

Zhu Zhe was a little excited, but when she thought of the down payment of hundreds of thousands and the monthly loan of tens of thousands, she backed down.

"Forget it, my registered permanent residence is in my hometown, so it may not be easy to buy a house!"

Wang Gang shook his head and said: "If you really want to buy a house, there are many ways, but after buying a house, your life may be a little harder. Just wait until the house price rises."

Zhu Zhe was really moved.

The next day, Wang Gang took Zhu Zhe to the sales center of Ode to Joy to see the model room.

Ode to Joy offers a variety of house types, including 80 square meters with two bedrooms and one living room, 100 square meters with three bedrooms and one living room, 130 square meters with three bedrooms and two living rooms, and 140 square meters with four bedrooms and two living rooms.

Zhu Zhe immediately took a fancy to the three-bedroom apartment with an area of ​​100 square meters.

Wang Gang likes a four-bedroom apartment with an area of ​​140 square meters.

However, after Zhu Zhe asked about the total price of the house, he backed down again.

"For a house worth more than 200 million yuan, the minimum down payment is 80 yuan, and the monthly mortgage is more than 1 yuan. I can't afford to pay it back if it's so expensive." Zhu Zhe gave up the idea of ​​buying a house after doing the calculations with a calculator. .

Wang Gang said: "I'll lend you the down payment. The monthly repayments are a bit high, but it's just the hard work in the past few years. When you get the house, you rent out two of the rooms, and there won't be much left on the mortgage."

Zhu Zhe shook his head and said: "I can't afford a debt of hundreds of thousands."

Wang Gang smiled and said: "You have to think about it this way. Now that the housing situation is good, you say that the houses near the university town will rise in the future. When the prices rise in the future, you can make money by selling them."

Moreover, your salary will not remain static. You will definitely receive a raise if you get promoted in the future, but your mortgage will remain unchanged. "

Zhu Zhe was silent, and began to make calculations in his mind. Wang Gang was not in a hurry, and he did what he needed to do to persuade her. Whether Zhu Zhe could seize this opportunity still depended on herself, and outsiders could not help.

"Wait for me, I'll make a call." Zhu Zhe finally gritted his teeth and decided to call home first to see if he could ask for some money.

As a result, she was scolded as soon as she told her parents about her idea of ​​buying a house.

Zhu's father and mother did not approve of Zhu Zhe borrowing money to buy a house at all. They felt that with that kind of money, they might as well subsidize the education of their younger siblings.

The two parties started arguing on the phone, and Wang Gang deliberately stayed away to avoid Zhu Zhe's embarrassment.

Wang Gang originally thought that Zhu Zhe would definitely not buy a house. Unexpectedly, after she hung up the phone with her parents, she came directly to Wang Gang to borrow money.

"Can you lend me 60 yuan? I may not be able to pay it back in the next few years, but I will definitely pay you back if I have money in the future."

Wang Gang said in surprise: "Don't your parents disapprove of you buying a house?"

Zhu Zhe said firmly: "I have thought clearly. If I don't buy a house, sooner or later my money will have to be kept at home. I might as well bite the bullet and fight for myself."

Wang Gang suddenly realized that the opposition of Zhu Zhe's father and mother inspired Zhu Zhe's rebellious psychology and made her realize the true face of her original family.

"I'll lend you 60 yuan, and you don't have to pay it back in a hurry." Wang Gang said to Zhu Zhe.

"I will calculate the interest. If the principal is not paid, I will definitely pay you back the interest." Zhu Zhe gritted his teeth and said.

Wang Gang smiled and said: "Okay, let's calculate it according to the bank's lowest interest rate."

Zhu Zhe immediately wrote an IOU to Wang Gang, and Wang Gang casually stuffed it into his pocket without paying any attention to it.

Later, they found a sales lady and booked a flat for each of them.

Wang Gang chose the east house with an area of ​​140 square meters, and Zhu Zhe chose the middle house with an area of ​​100 square meters.

Because neither of them was qualified to buy a house in Shanghai, Wang Gang also spent money to find help from outside companies, but Wang Gang did not tell Zhu Zhe about this.

(End of this chapter)