I was a god in the 18th century

Chapter 368: Huge Debt

After Xia Shanglu had agreed with the agent, he didn't even wait until the afternoon. The landlord rushed over impatiently upon learning that someone wanted to buy the house.

This is a thin man who is less than 125 years old. He is very honest in the face of Xia Shanglu's bargaining. He said frankly that this house was originally their improvement house, but because of the failure of the business, they had to sell it as soon as possible. The total price of the 1050-square-meter house is million, which is already much lower than the market price. He resolutely refused to accept any more bargaining.

"If I didn't need the money urgently, I would never sell this house. My wife worked hard to decorate it, but my children are still young and we haven't lived here. It has been sitting here for almost a year."

Seeing Xia Shanglu was about to speak, he quickly continued, "And I told Xiao Hu before that all the furniture and appliances in the house will not be taken away. They will all be given to you. The hard and soft furnishings together are worth 600,000 or 700,000 yuan, which is not a small amount.

If I sell slowly, I can sell this small apartment for at least 9 yuan more per square meter. You can also check the average price of our community on the second-hand housing website. It was around yuan two years ago, right? Now it's listed at more than yuan."

The landlord kept talking nonstop, and with Xia Shanglu's keen eyesight, he could tell that there was little room for negotiation. Besides, the price of this house was indeed low for this neighborhood.

He also felt a little sympathy for the man who failed in his business, knowing that the man actually no longer had a second house because he had sold both.

Because he had checked the other party's background and found out that they were engaged in cross-border e-commerce and burned a lot of money. They had almost lost everything, so he gave up, stopped bargaining, and agreed to the deal.

Xia Qingdai didn't express any opinions during the whole process. She had already discussed it with her brother when she came. The price itself was within their psychological range, not to mention that they also gave away home appliances as a gift.

The brother and sister had carefully read the contract template before the landlord came. There were no pitfalls and it was a standard house purchase and sale contract, so once the deal was reached, it was signed very quickly.

After signing the contract, the two took the intermediary's car to go to their cooperating bank to apply for a loan.

Xia Shanglu has a housing fund, but the amount is not enough, so he needs to take out a loan in the form of a combination of housing fund and business. Fortunately, due to the sluggish property market, banks have lowered interest rates, so he can save a lot of interest on buying a house compared to the previous two years.

In Jiangcheng, the maximum amount of housing provident fund loans for a family's first home is 180 million yuan. But Xia Shanglu is a single man, and the maximum amount of personal housing provident fund loans he can get is yuan, and Xia Qingdai is a student, so she is not eligible for a loan.

In the end, they took out a loan of 500 million yuan, with a repayment period of 440 years, a commercial loan of 60 million yuan, a housing fund loan of yuan, and an equal principal payment model.

The monthly repayment is 29797.22 yuan, of which 26705.56 yuan is commercial loan and 3091.67 yuan is provident fund.

This month's payment would not be enough relying solely on Xia Shanglu's salary. It would not be enough even if he did not eat or drink.

But Xia Shanglu is now writing books, and he can afford the monthly royalties, half of his salary, plus the income from Xia Qingdai's clothes sales.

If the income from royalties and clothing sales becomes unstable in the future, the worst that can happen is that I sell the old and run-down house by the West Lake.

Although it is old and small, the decoration inside is very good, thanks to the money taken from the TV station. And because it is close to West Lake and there is a possibility of demolition, the unit price is not low at all, and it can be sold for several million.

After completing the loan application, the two siblings walked out of the bank, said goodbye to the agent, breathed a sigh of relief, and then smiled at each other.

Xia Qingdai is a student and does not qualify for a loan, so naturally she cannot have her name on the property certificate. However, there is a solution, which is to obtain another notarized agreement.

"Come on, sister. Let's take a taxi to the notary office now. They haven't got off work yet." Xia Shanglu looked at the time on his mobile phone and prepared to take Xia Qingdai away.

"Oh, there's no rush." ​​Xia Qingdai shook her head. "The house hasn't been transferred yet, and the property certificate hasn't been obtained yet. It's useless to go to the notary office." "It can be notarized now. Let's go. I've checked."

"Brother, I'm not in a hurry, why are you? I don't care. I won't go today. I'll go home first and wait until I get the real estate certificate." Xia Qingdai was really not in a hurry and didn't worry at all that she would suffer any loss.

In fact, she didn't agree to go for the notarization at first, as it would have wasted a lot of extra money.

Firstly, she and her brother depend on each other and are the most important people to each other; secondly, they are both single now and there are no outsiders involved in the interests of the brothers and sisters.

By the time everyone is ready to start a family, she might have already achieved financial freedom with the help of Mozart and Jean-Antoine Udon, and giving her brother money and a house would be a piece of cake.

On the way home, Xia Qingdai was thinking about going to the Eighteenth Century to buy some goods. She wondered how the Lolita skirts made by the court tailors were doing.

Xia Shanglu was thinking about the plot of the novel. He had to work harder to write it since he owed such a large sum of money! If he became famous one day, he could take his sister to eat delicious food and drink spicy drinks.

Both of them were in a very bright mood, just like the warm winter sun shining through the clouds outside the car window.

"Brother, shall we move after the house is ready? Then it will be much more convenient for me to go home in the future." Xia Qingdai couldn't wait to move into the new home. The current house was really inconveniently located close to Jiangda University.

Xia Shanglu was not so enthusiastic. After all, he could just ride a donkey from the old house to where he worked, but he would have to drive or take the subway to move to the new house.

"Why rush? Let's talk about it after the New Year."

"Okay." Xia Qingdai sighed, "It would be great if I could apply for day school in my second semester of freshman year!"

Although she has a good relationship with her roommate, it is obviously more comfortable to live in her own home. The key is that she can go to the 18th century every day, which is wonderful to think about.

Xia Qingdai thought that if the dormitory inspections were not strict next semester, she would sneak back home.

After returning home, Xia Shanglu immediately sat in front of his laptop and worked hard on typing, while Xia Qingdai went into the room, closed the door, and changed into pajamas.

However, she did not travel through time immediately. It was still midnight in Fucui Villa, and there was nothing she could do if she went in. It would be better for her to read some medical books in modern times.

The final exams are coming up next month, and with so many subjects to pass, I can’t relax in my studies for even a moment.

After Xia Qingdai put on her coral fleece nightgown, she ran to the balcony study to read a book.

In the cold winter without air conditioning, the indoor temperature in Jiangnan was as cold as the outdoor temperature. Xia Qingdai couldn't help but cross her legs and hide in her coral fleece nightgown to keep warm.

"Oh, if the book could become smaller, I could take it to the fireplace in the castle and read it. It would be so comfortable to sit by the warm fire and drink black tea." Xia Qingdai thought to herself.

It's not that modern conditions are worse than those in the 18th century, it's just that poor Xia Qingdai's conditions are worse. Otherwise, if the central air conditioning and floor heating were turned on, it would still be as warm as spring.

"I must work hard to make money!" Xia Qingdai muttered while holding the hot water bottle. "When we get into the castle, I'll go ask if the fleet has returned."