mousepad-d2 Chapter 189 Do You Dare To Borrow Money?
Chapter 189 Do You Dare To Borrow Money?
Chapter 189 Do You Dare To Borrow Money?
Mo Hongkun took his pregnant wife and toddler over a year old, and drove a "second-hand Tiida" bought for 2 yuan to the "Open City".
——Finally fulfilled his dream of a second-hand cheap scooter.
This is thanks to the video "Xiao Liang Cuisine", which has generated profits recently. As one of the main creators, "Old Mo", he is quite satisfied with the dividends of each issue.
It is not an exaggeration to say that he "whole family" came to join Liang Teng in the "open capital".
If Mo Hongkun came here "alone", Liang Teng would still have the heart to let him continue to run "on the front line" and engage in the shooting of the "food video" that Lao Mo loves.
But isn't this a pregnant wife and a toddler?
Let him continue to run around outside, and his wife and children have no elderly to take care of them at home (Mo Hongkun's mother is still in his hometown with his father).In case of any accident, Liang Teng would feel deeply guilty.
Discuss with Wu Xia.
Or Wu Xia is more experienced, and suggested to Liang Teng: Just put that Mo Hongkun in the newly established property company of "King Mansion"?The property company is in the "startup" stage, isn't it missing a person in charge?After all, Mo Hongkun was Liang Teng's trustworthy old friend, and he was in charge of a small property company with only a few employees.It is estimated that there is nothing that cannot be competent.
Liang Teng thought for a while: This is equivalent to asking Mo Hongkun to "guard the gate" for him.
The income is relatively stable, and you don’t have to be as busy as shooting “food videos” (when you really have time, you can still shoot and make “Xiao Liang Food”. This video has no special requirements for “timeliness”).In addition, when Mo Hongkun really needs some help, several subordinates of the "property company" can also help out...
After Liang Teng figured this out, he agreed to let Mo Hongkun stay in the property company of "King's Mansion" and assume the title of "Property Company Manager".
How did Mo Hongkun know that this "King's Mansion" was Liang Teng's property, thinking that he got to know the owner of this mansion with the help of Wu Xia's contacts.Asking Wu Xia to come forward to talk about Xiang, it was hard to get him the position of the person in charge of the "property company".
Mo Hongkun was very grateful.
He secretly made up his mind that with the help of "nobles" like Liang Teng and Wu Xia, if he didn't work hard, he would really be a waste.I must make a name for myself in the "Open City".Although the housing prices in this "open capital" are terribly expensive.But if it takes 30 years to "mortgage" a house here, the two sons will be able to gain a foothold here in the future, and the opportunities for development will be even greater.
What Mo Hongkun believes in is not the "theory of genius" that a person "stands alone".
He believes that if a person wants to strive to become a "high society", it needs the efforts of at least three generations.Like his father's generation, he can work hard and accumulate some wealth for him to have the opportunity to study in college.It is considered to have completed the task of the ancestors.
But in his generation, he tried his best to escape from the countryside and settle down in the city (even better is to buy a house with a mortgage in this "open capital" and officially settle down).The central task of this generation he set is at most like this (a suite in the "Open Capital" requires Mo Hongkun to spend his entire life to obtain it, what higher goal can he aim for?).
If you want to make a real fortune, acquire a huge amount of wealth, or enter the "high society" through a lofty position, it depends entirely on the next generation to complete.
Mo Hongkun can be regarded as a more pragmatic person.
Looking at the housing prices in the "open capital", he even suspects that once he "mortgages" to buy a house, the burden of paying off the house payment may not be unloaded until his son grows up and becomes a "high-salary person".
He is too pessimistic.
Although Liang Teng didn't intend to make himself a "Madonna heroine", he would just throw money around if he had money.But after learning about Mo Hongkun's real difficulties, it is still possible to provide Mo Hongkun with a preferential housing price for internal employees.
Even the few female clerks recruited by the company now can enjoy the "employee preferential housing price". Worker"), Liang Teng would not treat him badly!At least give Mo Hongkun a "preferential purchase price".
Liang Teng gave the female clerk her father a preferential purchase price of 1 yuan per square meter.On this basis, Liang Teng gave him a discount of 2000 yuan per square meter.In other words, 8000 yuan per square meter is enough.
Hearing that there are many roads in Liang Teng, Mo Hongkun was overjoyed to be able to buy a house in the bustling urban area of the "open capital" at a price of 8000 per square meter.
As long as you have a little understanding, you can know that the housing prices around the "Wangwang Building" were already 1 per square meter.Now that several main streets have been opened up and shops have been built, and they are about to be put into operation. Now, the housing prices in the surrounding areas have rapidly risen to 3 per square meter.
It feels like in a few months, house prices will climb to another level.
Now Liang Teng can find a house for 8000 yuan per square meter and sell it to him, he is an idiot.
But with a housing price of 8000 yuan per square meter, for Mo Hongkun, who has a very ordinary income, a house costs more than one million yuan, and the pressure on the house payment is as heavy as a mountain.
The point is that Mo Hongkun's income is only more than 3000 yuan per month.Take more than 1000 a month to repay the loan, and only repay more than 1 a year.10,000+ in ten years.And for a house payment of 100 million yuan, decades of mortgages, including interest, you have to repay more than 200 million yuan.Lao Mo only repays tens of thousands of yuan a year. According to this trend, he will not be able to pay it back in 10 years.
After hesitating and hesitating, Mo Hongkun discussed with his wife repeatedly.
His wife is more yearning for life in this "first-tier city". Others don't have a fixed job in this first-tier city, so it's hard to gain a foothold, so that's all.But with the help of "nobles", her husband already has a regular job in the "Open Capital".You can get extra income by shooting videos. Under such favorable conditions, if you dare not give it a try, then you are really a waste! ! !
Even if you buy an "apartment" of tens of square meters, the wife and adults would rather stay in this metropolis.
Then buy an "apartment".Mo Hongkun is more pragmatic, and he doesn't feel ashamed to buy an "apartment".
For example, he wants to drive a car, but he doesn't have much savings. The car he bought last year for "transportation" is a second-hand "Tiida".Only more than 2.Apart from looking old-fashioned and being fuel-efficient and easy to drive, Mo Hongkun didn't have much to complain about.
You ask Mo Hongkun to swipe ten or eight "credit cards" to buy a small car worth more than 20 yuan in installments.He will never do it!
The smallest "apartment" is about 40 square meters.That is, one living room, one bedroom, one bathroom and one kitchen.
But the boundary of "one living room, one room" is relatively "fuzzy".That is to say, the "hall" and "room" of the general "apartment" are not partitioned.If you want to separate them, then in the later stage of decoration, find someone to separate them.
It is actually the "bathroom" separated, and then there is a room of more than 30 square meters.It doesn't matter if you want to separate this room from a "bedroom" or a living room, or even squeeze the "kitchen" into the "passage" at the entrance, you can do it yourself.Make the most of this little space!
Therefore, when Mo Hongkun proposed to Liang Teng that he wanted to buy an "apartment" of about 8000 square meters at a price of 40 square meters, Liang Teng was really shocked.
As a good friend, Liang Teng had no choice but to persuade Mo Hongkun that the property rights of an apartment are generally only 40 years.Electricity is also priced according to "commercial electricity".There is no such thing as "privacy, privacy, and sex" in living, and there are many and mixed people sharing the same elevator.Just like the one-room houses lined up in the student days, there is no comfort.Moreover, the down payment ratio of "apartment" is as high as [-]%.In addition, the "mortgage time" is far shorter than the repayment period of ordinary commercial housing...
Let's take a closer look at the shortcomings of the "apartment room".
However, what is disappointing is that Mo Hongkun still has an "indifferent" expression.
Liang Teng had to release his "killer trump card": This 40-square-meter "apartment" is too crowded to live in by himself now, but you have two sons.When the two sons have grown up, what is the future life plan? !If you plan to return to your hometown to "do farming", let alone, if the two sons plan to stay in the "open capital" to develop, how can one living room and one room be enough?
These words touched Mo Hongkun.
Even if he goes back to his hometown to develop by himself, that's fine.The living conditions at home are better after all.The reason why I want to buy property in the "Open Capital" is entirely to give my son another choice in the future.A better option.
But back to reality, the opportunity is now there, but Mo Hongkun's ability is limited.
I really can't afford a large suite.
Mo Hongkun then smiled wryly and said to Liang Teng: "The main thing is that I don't have money. In fact, even if I don't have money and I have a considerable expected income, I would like to buy a spacious suite. But do you think my income can allow me to be optimistic? It costs 40 yuan to buy an apartment of only 32 square meters. My income is limited, and at most I can support such a housing area.
After a pause, he added: "As for the 40-year property right of an apartment, I am not afraid. I firmly believe that it is the same as a commercial house with a 70-year property right. Apartments can continue to have property rights."
"Otherwise, if all the expired houses are taken back to the state, how will the state deal with these houses? They are still vacant there. On the contrary, it has caused many unstable factors. So as long as the decision-making person is not brain-clamped by the door panel , it is absolutely impossible to close the house after the 'useful life' expires."
"In addition, what's the point of using commercial electricity? I have bought such an expensive house, and I don't bother to care about the price of electricity per kilowatt-hour. There are many people and crowds, but it is lively. I don't reject this."
"As for the 'down payment' payment ratio is too high. That's no way, this 'down payment', try to borrow to make up for it."
It's all about money.
Liang Teng said: "There are obviously two misunderstandings in your calculations. One is that one thinks that one's income level will be 'stable' in the next few years, which is obviously not in line with the facts. The other is that you think that there is no such thing as 'inflation. Inflation'? ? Decades of 'mortgage' loans. Over the decades, the currency has gradually depreciated every year."
"The 30 yuan 1 years ago and the 1 yuan now are completely different concepts. To compare, the 30 yuan 1 years ago is actually equivalent to more than 100 million yuan now. To be honest, you are at most in the first 10 years, and the repayment pressure is relatively high. As time goes by, the currency will depreciate slowly, and your income will gradually increase. By then, "mortgage" will be nothing at all. It's stressful."
After listening to Liang Teng's persuasion, Mo Hongkun was also a little moved.
Liang Teng "strikes while the iron is hot", citing Liang Ren, the "head teacher" when they were in junior high school in their hometown as an example.
That teacher Liang Ren, after teaching Liang Teng's third year of junior high school, was transferred to work in a local newspaper.
When I went to a newspaper office, my income was much higher than that of being a junior high school teacher in a township.And Mr. Liang Ren prefers to write manuscripts, publish them in newspapers, and earn a considerable fixed monthly remuneration.
The extra income alone is almost equivalent to the wage income of an ordinary worker.
Friends who knew the inside story ridiculed Liang Ren with envy, saying that he quit being a teacher and became a newspaper editor, and that one person earned two incomes.
When Liang Teng was in his first year of high school, the house price in this city was only 1500 yuan per square meter.At that time, when Liang Ren was in the newspaper office, a colleague surnamed Li bought a 1500-square-meter commercial house with a total price of 160 yuan at a price of 24 yuan per square meter.
After paying all kinds of deed taxes, it was only about 25 yuan.
After the "down payment", there will be a long period of "loan repayment".
That colleague surnamed Li has only one son, and he is already married and has a son.The daughter-in-law takes care of the children at home and has no income.Colleague, his wife died young.The family can only live on the two incomes of Li's colleague and his son.
But the salary level at that time was really too low.My father's income is more than 300 yuan, close to 400 yuan per month.The son only has a monthly income of more than 200 yuan, and it is not stable.
With this income, they dare to buy commercial housing with a total price of 25 yuan.
In the eyes of friends and colleagues, the father and son belonged to "daring".
The family knows their own suffering.
They are really overwhelmed by "mortgage loans".
Just look at his family's resolute implementation of the "new rule" of only eating meat once a month, and you can imagine how hard his family's life is.
In the newspaper office, the colleague surnamed Li who bought the house didn't get along with most of the people.When everyone saw him buying an "expensive" commercial house because of the "mortgage" and living a tight life, they all took it as a super big joke discussed "after dinner".
As a result, in just ten years, the housing prices in that area rose from 1500 per square meter to 3 to 4.
This is equivalent to more than doubling the housing prices in this city within ten years.
During the most difficult period, the colleague surnamed Li did not intend to give up the apartment. Now that he has gradually overcome the difficulties, it is even more impossible to sell the house.His father and son suddenly felt that life had a "rush".Although the face of the house has not changed, its value has almost tripled.
Two years later, the newspaper office passed a resolution to set aside several acres of land in the newspaper office compound to build a 30-story elevator building.
All the employees of this newspaper, who have worked for more than 15 years, are eligible to buy a set of "welfare housing" of the newspaper.The building was sold at a low price of 2000 yuan per square meter (one-third cheaper than the current market price in the city center, which has risen to 2800 yuan per square meter. The attraction is still quite strong).
If the employees of the newspaper office can't afford the full amount to buy a house at once, the newspaper office can also assist in the bank "mortgage loan".
This one is most suitable for Liang Teng and Mo Hongkun's "former teacher" Liang Ren.
Liang Ren had no way to "full money" to win a big house of 160 square meters.
After the "down payment" was paid, it was Liang Ren's turn to slowly repay the mortgage.
What about the house renovation money?
Feel sorry!If you can't take it out, you can't take it out!
On the other hand, the editor surnamed Li, who had long been regarded as "a big joke in the newspaper", took advantage of the rising real estate prices, so he sold his rather partial commercial house.
I paid the "mortgage" for almost ten years, and took advantage of the sharp rise in housing prices, and left in time.
Editor Li not only got back his "down payment", but also got back almost all of the subsequent ten-year "mortgage" money.And in this transaction, he made a slight profit of about [-].
In this way, Editor Li also became an extremely dazzling employee who bought the newspaper's "welfare housing" with full money.
He tossed about the "mortgage" of commercial housing for ten years, and finally sold it.
But in the past ten years, the editor surnamed Li is definitely not messing around.
First of all, he sold a relatively remote house, but what he got now is a welfare house in the center of Zhengzheng Street, a newspaper office.The former has another 20 years to pay off the mortgage.The latter was bought "full price".No longer need to be a "house slave".
In addition, although the days of repaying the loan on time were miserable, I really saved money.
Like Liang Yiren's family, they are not as picky as the other party, but after ten years, I haven't seen how much money his family has saved.
Teacher Liang also has two sons.Therefore, when the newspaper office offered "welfare housing", he asked for the largest 160-square-meter suite with 6 bedrooms and [-] living rooms.
According to Liang Ren's plan, each of the two sons will divide 80 square meters.According to this idea, to transform the blank room paid by the newspaper.Separated into two small sets to live.
This is whether you have the courage to "mortgage and buy a house" as early as possible, which leads to different results...
After talking about the experience of the former class teacher, Liang Teng talked about the "great truth" with Mo Hongkun, which was more powerful!
You, Mo Hongkun, are already "planning to have two sons"!
There are two "construction.banks" waiting for you to make money and support your family.How could you, Mo Hongkun, be so irresponsible?
Can your eyes only stare at the 40-square-meter "apartment"?
After being reprimanded by Liang Teng, Mo Hongkun also knew that he would not buy a large apartment in one step, but only find an "apartment" to live in temporarily. When his son really grows up, he will be even more worried.
Is it necessary to sell the "apartment" again, and then pool the money to buy a large apartment?
It is conceivable that by that time, the housing prices of the "open capital" will be called real horror.
Sell the small "apartment" and pool the money to buy a large suite of 160 square meters?Stop dreaming!When the time comes, just take a look at the terrifying housing prices, and you will know that you will never be able to afford large-scale commercial housing.
So say one thousand, say ten thousand, people with vision will take advantage of the current relatively low housing prices, directly "in one step" to buy a house with a large suite.
……
After Liang Teng's in-depth analysis and earnest persuasion, Mo Hongkun finally made up his mind gradually amidst hesitation!
It is also thanks to Liang Teng's powerful "case" from the "head teacher" teacher that Mo Hongkun finally made up his mind and bought a 160-square-meter large apartment in the "Open City".
However, he still made an appointment with Liang Teng a little bit not calmly: once he was short of funds for repayment, Liang Teng would borrow money for one to two months to repay the house payment for him in case of emergency.
Liang Teng readily agreed.I also want to persuade Mo Hongkun to directly take a 260-square-meter super large suite.But this time, Lao Mo refused to listen to him no matter what.
Liang Teng had no choice but to give up.
Liang Ren's approach is the example that Mo Hongkun followed - choose a large suite of 160 square meters, and then divide the new home into two parts directly after the developer delivers the "raw room".
In this way, the two sons each have a set of “reformed” small apartments.Very easy to use.
One suite is divided into two.In the future, I don't need to worry anymore, I can't afford a house for my two sons.
Liang Teng admired Mo Hongkun's "good manners" very much, and made a special statement to him: the 160-square-meter commercial housing that he contacted for him can implement a more favorable policy, that is, "zero down payment" to buy a house.
"Zero down payment" means literally.
This can greatly relieve Mo Hongkun's economic pressure.
Liang Teng planned to let Lao Mo choose one of his commercial houses as Mo Hongkun's house in the "Open City".
In the next few days, Wu Xia became extremely busy.The itinerary is very tight.
She first needs to find someone to come forward and talk to relevant departments about "development of the 'Wangzhou Village' sea view villa group", "construction of the 'Tianquanling' tunnel", and "widening of the 5-kilometer road and related matters"...
Originally, I planned to talk about the above three things separately.
After all, it seems that there are three things, each of which is quite complicated and involves a lot of things.
But in the end it was packed and brought out.Only in this way can we strive for the greatest benefit for ourselves.
After all, the people in the relevant departments are not stupid.
Even if you divide it into three phases and strive for those three projects, in the end everyone can guess your biggest goal, which is to directly connect the commercial circle of "Wangwang Building" to the sea stalls of "Wangzhou Village".
It's better to be generous and put the three projects together to win support.
No need to hide and push.Or win more favor and support.
After all, the relevant departments also have the responsibility to vigorously develop the areas under their jurisdiction.
Now that there are such ready-made "external forces" that can drive the prosperity of this area, they only need the support of "policies".
It can be said that the cost paid by the relevant departments this time is not high, but the "political achievements" obtained are enough.
The straight-line distance between "Wangzhou Village" and "Wangwang Building" is less than 6 kilometers, so close.In terms of the division of jurisdiction, it still belongs to the relevant department that Wu Xia and Liang Teng had dealt with before.
Wu Xia and Liang Teng had dealt with the person in charge of the relevant department more than once in order to win the land development rights along the two streets behind the "King's Building".
Both Liang Teng and Wu Xia felt that - that guy was very unreasonable.
Therefore, Wu Xia was unwilling to negotiate with the other party from the bottom of his heart.
But Wu Xia didn't come forward for this matter, so could it still be pushed to Liang Teng?
I had no choice but to bite the bullet, and found another more powerful contact to "match up" for her, and contact the relevant person in charge again.
As a result, Wu Xia was both surprised and delighted.
(End of this chapter)