Volume 8 Final Chapter Chapter 1080: No Place for Poverty
In the evening.
Nan Huaiqiu summoned Nan Yi and he went to the Nan family's courtyard.
When they arrived at the courtyard, Nan Yi found a male guest in the living room. Recalling what he thought, the guest's surname was Dong, but his specific name was not clear. He was a colleague of Nan Huaiqiu in the same office.
When Nan Yi was a child, he usually had lunch in the cafeteria of the Second Chemical Plant. Occasionally, if he forgot to take his meal ticket, he would go to the office to find Nan Huaiqiu to get it. Naturally, when he met other people, Nan Huaiqiu would point at them and call them Uncle Dong, Uncle Li, etc., but they were the only names he could use. A little kid was not qualified to have adults introduce him with his full name.
"Uncle Dong."
"Nan Yi, Uncle Dong hasn't seen you for almost twenty years. In a blink of an eye, you are already in your thirties. It's time for me, Uncle Dong, to retire."
The Second Chemical Factory is not small, and the family compound is also not small, with several ways in and out. If you don't intentionally block people, like Nan Yi in the past, who goes out early and comes back late and is not home every day, it would be difficult to meet people from the factory by chance if you don't go back to the family compound as Nan Yi does.
"Uncle Dong, you are not old at all, you still look very young."
Nan Yi responded with a smile, guessing in his heart that Nan Huaiqiu called him back probably because of Uncle Dong in front of him.
Without waiting for the old boss to respond, Nan Huaiqiu said to Nan Yi: "Nan Yi, your uncle Dong wants to consult you about something. If you know the answer, please talk to him."
Nan Yi heard this and looked at Old Dong, "Uncle Dong, what do you want to ask?"
"Nan Yi, it's like this. The three boys in my family, Ai Dang, Yong Jun and Jianguo, were all unlucky. None of them got a chance to get a house. But Ai Dang worked in a factory and lived in a factory building at first. After your family moved out, your father lent your house to Ai Dang.
As for the two boys, Yongjun and Jianguo, they both live in houses arranged by the unit. The houses are not divided, and they can be taken back at any time. "
As soon as he heard the topic, Nan Yi basically guessed what was going on. Most likely, the Dong family wanted to buy a house, but they didn't have enough money, so they came to the Nan family to ask for help. It was unlikely that they wanted to borrow money. If they wanted to borrow money, Nan Huaiqiu wouldn't have to call him over. He could have just discussed it with Yi Jinru directly. It should be that they wanted to take out a mortgage and use him to get through Liu Zhen's back door.
Home loans have been around since 1991, but just two years after being trialled, the real estate market was overheated and the home loan policy, which had not been relaxed to begin with, was shrunk again. Two months ago, the central bank promulgated the "Interim Measures for the Management of Self-operated Housing Loans by Commercial Banks", which means that home loans have been relaxed again.
However, the conditions are rather harsh. First, double guarantees are required, namely mortgage guarantees and guarantee guarantees. Second, the maximum term is only ten years. There is also a third clause that the borrower must first have a bank deposit of no less than 30% of the house price, and the deposit term must be more than half a year. This means that the behavior of temporarily borrowing a down payment from outside in order to buy a house is eliminated.
Among the three requirements, the first one is the most troublesome. It is difficult for an ordinary person to come up with collateral worth one hundred thousand or more. At the same time, this one is also the simplest. As long as you have acquaintances inside the bank, there is room for operation.
"My family has been frugal over the years and has saved a little money. If we go to Nanyuan to buy resettlement housing, we can borrow some money from outside to buy three 55-square-meter houses. I have seen the houses, and they are not tall, less than 40 square meters.
Living so far away, with a small house, the three daughters-in-law at home are not happy with this and want to buy a house in Fangzhuang, so…"
The old boss looked at Nan Yi with hope on his face, "Nan Yi, can you ask your wife to help with the formalities and borrow some money from the bank?"
Before the old Dong finished speaking, Nan Yi had already considered what to do. As soon as the old Dong finished speaking, he said, "Uncle Dong, there is no need to go to the bank to borrow money. The interest rate is still quite high. So, you can ask the three brothers to go to Fangzhuang to pick a house. When you have chosen one, tell my mother and she will buy the house first.
Then we will sign an agreement, the purchase price will be divided by 120 months, and the three brothers will give the money to my mother on a monthly basis. When the money is settled, the house will be transferred to the three brothers. If any brother has a new idea and doesn't want the house before the money is settled, that's fine, my mother will return the money, and we will pretend that we never signed any agreement. "
Nan Yi believed that as long as the housing prices went up a little bit, the Dong family would start to worry about the long wait and the many troubles. The Dong family would recall how aggressive and powerful Yi Jinru was in the factory in the past. Even if they had to sell everything they had, they would beg to transfer the house as soon as possible. Therefore, the money would not have to be paid for ten years, and it would probably only be a matter of three or four years.
When Mr. Dong heard the proposal from Nan Yi, he naturally agreed immediately. After thanking him repeatedly, he said goodbye and left impatiently. 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 and went to the alley outside the yard and called Yi Jinru.
After making the call, Nan Yi stayed in the alley for less than half an hour before he saw Wenren Lanyue and Yi Jinru's cars lined up and driving into the alley. After the two got out of the car, he told them what had just happened.
Yi Jinru exploded when she heard this, "This coffin stuffing will ruin the family's money, I will scratch him to death."
As she said that, Yi Jinru rushed into the yard in a hurry.
"Nan Yi, will housing prices become more and more expensive in the future?" Wenren Lanyue said after watching Yi Jinru leave.
"Sister-in-law, there are few things that are cheaper now than they were ten years ago."
Wenren Lanyue explained: "What I mean is, will the house price be more expensive than the air conditioner at home?"
Every room in the Nan family’s home is equipped with an air conditioner, a Mitsubishi model purchased from Jingxi Yiguo. The normal retail price of one unit is more than 14,000 yuan.
"Sister-in-law, have you seen the Romance of the Three Kingdoms last year?"
“I watch it every day.”
Nan Yi nodded, "Then you are familiar with the position of governor, right?"
"Um."
"There is a saying in Zhouli that 'those who have meritorious deeds will be appointed as governors, called 'mu'. The title of governor comes from here. Mu can be a verb, meaning to herd livestock, or a noun, meaning the person who herds livestock.
In ancient times, the people were like cattle and sheep, and the governor managed the people by herding them for the king. As long as he ensured that the cattle and sheep did not run away or cause riots, he was a qualified official.
In our five thousand years of history, the changes of dynasties have always been due to two reasons: one is foreign invasion, and the other is famine. As long as the peasants are hungry, they will rise up in rebellion. Therefore, throughout the dynasties, no matter how much the court exploited the peasants, there would always be a red line that would not be crossed - the peasants' food and clothing.
During the Northern Song Dynasty, there was a famous poet who was also an irresponsible official. His name was Su Shi, but everyone used to call him Su Dongpo. He was an official with a salary and was good at writing poems. Many people liked and admired him. The collection of poems he wrote was similar to the records of popular singers today and sold very well.
But despite this, he was unable to buy a house in Kaifeng Prefecture in his entire life. As a last resort, he could only go to a small county in another province and invest in a few small houses.
Later, his eldest son Su Guo held his wedding in Kaifeng, but he couldn't get a wedding house. Su Dongpo got angry and cursed, "I wrote Water Melody and invented Dongpo Pork, but I don't have a house."
Compared with Su Dongpo, his younger brother Su Zhe held a higher official position and worked diligently and conscientiously. After decades of work, he finally bought a house at the age of seventy. However, the house was not in Kaifeng Prefecture, but in a nearby county town. Compared with the capital, his house was almost in Miyun.
Su Che even wrote a crooked poem about this, which begins like this: "You idiot, my hair is all white, but I still can't afford to buy a house. Is this fair?" (My hair is half white, and there is no rafter in the world)
Hearing the three words "biased bastard", Wenren Lanyue smiled knowingly.
"In the Tang Dynasty, which was earlier than the Northern Song Dynasty, there was a man named Bai Juyi. At the beginning, he was a proofreader, which means proofreading official documents in the General Office of the Central Committee. Bai Juyi's position was not very high, but his salary was not low. Converted into RMB today, it was about 5,000 yuan a month.
Although Bai Qingtian had such a high salary, he could not afford to buy a house in Chang'an. He could only rent four huts in Changleli in the eastern suburbs. The rent in the city center was too high and he could not afford it at all. So he bought a BMW very casually, which is equivalent to buying a car as a means of transportation.
Bai Qingtian only hired two servants to take care of his food, clothing and daily life. His monthly expenses were about 1,600 or 1,700 yuan. He was unwilling to rent a good house in the city center at a high price, so he saved the remaining 3,300 or 3,000 yuan, intending to buy an apartment in the city center. However, after saving for 20 years, he still could not afford it.
Bai Qingtian, as for him, had the title of Poetry Demon. He wrote good poems, but he did not understand economics or inflation, and could not afford to buy a house. Bai Qingtian was anxious, but he was well-educated and did not curse. He just wrote a crooked poem "卜居". When he was alone at night, he would hum in the moonlight with tears in his eyes: I want to have a home, a place that does not need to be too big..."
Hearing Nan Yi humming, Wenren Lanyue covered her mouth and couldn't help laughing.
"From ancient times to the present, housing prices in Kyoto have never been cheap. We used to enjoy welfare housing distribution, 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 own internal rules. What determines the price of a commodity?
value?
No, the only thing that determines the price of a commodity is supply and demand.
Commercial housing in the urban area of a core city is scarce enough. Sister-in-law, I assume that you are an office worker working in Shichahai. Even if you have seven or eight houses of more than 100 square meters in Guangzhou, it still cannot replace your desire to live in the urban area of Beijing.
No matter you rent, share or buy a house, as long as you work in Shichahai, you must be within the suburbs. Assuming that you do not earn enough to buy a house, you need to rent a house to solve your commuting problem. The length of commuting time and the quality of living depend on the rent you are willing to pay.
Assuming you have enough money to buy a house, I believe you would prefer to buy a commercial house of your own, because you can own the property rights of the house and benefit from the appreciation of the house price. The size and quality of the house, as well as its distance from your workplace, depend on the funds you have and your expected income in the future.
What I said above was just considering your personal factors, sister-in-law. If…"
Nan Yi paused and asked, "Sister-in-law, when are you and brother going to have a child?"
Wenren Lanyue did not look surprised, and said openly: "We have discussed it and plan to get pregnant in the middle of next year."
"Oh, then when my nephew reaches school age, you will definitely want him to go to a better school. Every school has a district for enrollment. For an ordinary office worker, if you want your child to attend the school of your choice, you can only buy a house within the school's enrollment district.
There are not too many good primary and secondary schools in Beijing, but not too few either. They can be pointed out with one hand. In such a big city, there are countless parents who pay attention to their children's education, and there are also many parents who are able to make efforts. This makes houses around good schools even more scarce.
Scarcity makes things valuable. There is a serious imbalance between supply and demand. There are several, even dozens or hundreds of buyers competing for a commodity at the same time. I think there will be no seller who will not take the opportunity to raise the price..."
