Linlang nodded and said, "Yes, I think so too."
At that moment, Zhang's father and Zhang's mother came to the county town to take a look at the new house their daughter bought, and found that the new house their daughter bought was excellent, brand new, and it also had an elevator room, unlike the house they rented before, which was a staircase room. It's still the fifth floor, a house like that. It was only because of his daughter's mentality that he didn't want to move that landlord Cai took advantage of it for so long. Otherwise, who would rent such a high-priced house without an elevator? It would cost a month. So much money, after all, houses are now at bargain prices.
It's even better than the house my daughter bought before.
At that time, my daughter bought a house by herself. Because she didn’t have enough money, she bought it in a relatively remote place, one kilometer beyond the city center. Obviously, her ex-husband’s family didn’t have much money, so they bought it in a relatively remote community. , this is only 500,000 to 600,000, so the house prices in small counties were ridiculously expensive before - and they were also stairs.
But now, Linlang's newly bought house is less than one kilometer away from the city center. It has an elevator room and is brand new. It is much newer than the second-hand house she bought before. It is good in every aspect, so she sees her eldest daughter having another baby. The house was still such a good house, and Zhang's father and mother couldn't help but be happy for Linlang.
Linlang then called his sister, brother-in-law and others, and the family had a meal together to warm up the new house.
According to the rules of the older generation, you have to choose a good day to move into a new house. Fortunately, the day Linlang moved was not bad, so Zhang's father did not blame Linlang for moving too fast. Otherwise, he would probably be blamed, because Father Zhang believes this.
After the original sister arrived, she sighed and said, "Oh, I had known that house prices would plummet all the way. I shouldn't have bought a house the year before last, but now it has dropped like this."
My younger sister and her husband both had a solid job, with high incomes and high provident funds. When they got rich, they wanted to invest, but big cities had purchase restrictions, so they could only buy locally. Seeing the slight drop in housing prices at that time, I thought the drought would not last. If they wait, house prices will rise back up, so if they buy when they fall, won't they make a profit? So I bought a two-bedroom apartment in the center of the county.
Since it was a house in the center of the county, it was naturally the most expensive house, costing one million at the time.
Nowadays, the house in the center of the county can be sold for 200,000 yuan for a three-bedroom house, and only 150,000 yuan for a two-bedroom house. Even though their mortgage is not repaid with money, but covered with provident funds, it is almost equivalent to not spending any money, and it also allows the original owner to pay back the house. My sister looked at the current housing prices and felt very bad. After all, since she was investing, she wanted to make money, not lose money.
Seeing his little daughter's distress, Father Zhang said, "Let's just sell it. If you lose, you will lose. I see people selling houses everywhere. If you keep it, you won't be able to sell it in the future. That would be bad."
Linlang thought, her sister had two children at home, so she would keep the house and give it to each of the two children in the future. No matter how expensive it was, it was a house in the center of the county where people could always live.
But she didn't say this because she was afraid that if she did, Sister Zhang really didn't sell it and regretted it in the future, and she would have to blame herself.
Fortunately, Sister Zhang didn’t want to sell it, so she immediately heard Sister Zhang say: “If I sell it, the money won’t be enough for the loan, and I’ll have to pay off the loan by then. If I don’t sell it, I’ll spend the provident fund money. , at least we don’t have to pay for it anymore, we thought about it and decided to forget it and keep taking it.”
In fact, both sides are losing money. After all, the provident fund is also your own money, right? It's just that they really don't want to sell the house, make no money, and have to use their cash to repay the loan, which would make it even worse. At least they are using the provident fund to repay the loan, and it feels like they are not spending their own money.
What Sister Zhang said made sense, so Father Zhang stopped trying to persuade her. After all, he was from the countryside and didn't know much about provident funds.
Only Zhang's mother said: "Actually, you are a little better. I heard that your aunt's two sons are planning to repay the loan in advance to avoid too much interest and too much loss. How can we have money when they borrow money from us that day? , The little money I have on hand is not even willing to buy a catty of meat to eat, I want to keep it on hand for emergencies, so I returned it to them, I am afraid they will ask you to borrow money."
Linlang knew that the two sons of the original body's aunt's family were the two best-successful children on the original body's father's side. I heard that they had bought several houses in the provincial capital. When they got together every year during the holidays, everyone would He flattered them a lot and praised them for their ability. Even in the provincial capital, one family can buy three houses.
However, now, the three houses bought with loans have deeply trapped them.
Basically, they bought their first home when they first went to work in the provincial capital, and the mortgage has been paid off long ago.
But the second and third houses were bought a few years after they got married. At that time, housing prices in the provincial capital were rising. They were optimistic about the rise, so they bought two houses in succession, two for about 1.5 million each, and one for about 1.5 million yuan. It's about two million. Obviously, they must not have paid off the loans for these two houses. After all, although they have a good job, their annual income is only about 200,000. It's only been a few years, so they can't pay off the loans.
You must know that in order to be able to repay the loans for two houses, they stretched their fronts. One loan lasted for thirty years, and the interest was exorbitant.
Now that house prices have fallen to the floor, it is normal for them to choose to repay their loans early if they want to reduce losses.
However, they don’t have any money. If they want to borrow money from relatives and friends, it will be very difficult, because relatives and friends are not willing to lend them a large amount of money. After all, prices are soaring now. If you borrow 10,000 yuan from someone, it will You may be able to buy a hundred of something, but when you return it, you may only be able to buy ten, which has depreciated by 90%. This is terrible. Who is willing to borrow money?
Of course, the main reason is that when they had money before, they only knew how to show off in front of their relatives. In the past, when those relatives in their hometown needed money, no one could borrow money from them successfully, so now they have to use money. When you ask others to borrow money, who is willing to lend it to them?
People, help is mutual. If you only ask for help from others, you will be unhappy when others ask you for help. You feel that others are taking advantage of you and do not help. Then in the end, when you need to ask others for help, others will I won't help you either.
In the original world, the two cousins of the original body's aunt's family also borrowed money from the original body. Fortunately, when the original body was buying a house, she asked them to borrow money, but neither of them wanted to borrow money. They said that they were going to buy a house soon and had no money. Borrow, so the original person thought at that time that when these two people asked her for help in the future, she would not help.
Although the two cousins were doing well at the time, they might never ask the original person to borrow money, and the original person's idea would not come true, but the original person did think that way at the time.
Unexpectedly, this idea would happen a few years later. It would be ridiculous for two very wealthy cousins to actually ask the original person to borrow money.
Since the events of that year were left there, the original person naturally refused openly and openly.
(End of chapter)
