Great Power Fighting Falcon
Chapter 17 Buying a House
Li Zhan's travel is a problem.
There are regulations that prohibit you from riding a motorcycle during vacation. He has neither a local driver's license nor a car. Not being able to ride a motorcycle means not being able to ride a motorcycle. This stumped him.
In fact, not only pilots are not allowed to ride motorcycles during vacation, but also active military personnel are basically not allowed to do so. This is a painful lesson.
After thinking about it, he called Li Xiang up and went out on a bicycle. He rode Lao Fenghuang, and Li Xiang rode Lao Wuyang, who was dressed as a woman. They changed into casual clothes, and the two brothers went down the street talking. The machinery factory is in the eastern suburbs of the city. People in the factory often say "go down to the street" when they go to the city.
"Brother, I plan to do research on infrastructure projects, not engineering technology, but research on the project implementation process." Li Xiang said.
Li Zhan paused and said, "You've been weak in science since you were a child, so engaging in technical research is not the best direction. The project implementation process is mainly related to economics and legal affairs. When it comes to accounting, it also requires a good science foundation. "
"I know." Li Xiang said confidently, "Last summer vacation, my classmates and I took a train to travel across half of the country, and found that infrastructure construction was in full swing everywhere. Some students from the School of Finance analyzed that a subprime mortgage crisis may break out in the United States. This will trigger a global economic crisis. Our country will definitely be affected. However, our economic development is in a critical decade, so it is almost certain that the country will issue major policies to alleviate the impact of the economic crisis. Stimulating the economy mainly relies on three factors Driving a carriage, domestic demand investment and foreign trade. At present, my country's economic growth mainly relies on foreign trade, which is almost the main engine. The economic crisis is bound to seriously affect the growth of my country's foreign trade. Once such a situation occurs, the government's increase in investment to stimulate domestic demand is almost the only option. "
Smiling, Li Xiang said, "When I was a kid, the textbook said that if you want to get rich, you must first build roads. In fact, I think this saying has never been outdated. In the past, it only meant roads and railways, but now there are high-speed rails, and there will be more airports in the future." The subway and urban rail. Transportation modes are showing a trend of diversification. What investment can achieve more than cost-effectiveness and best stimulate domestic demand? Only infrastructure construction, the construction of transportation facilities such as roads, railways, airports, and ports is the main body. Therefore, I think that in the future, at least Within ten years, infrastructure construction is very promising.”
The two brothers were treated with admiration after seeing each other for three days. Moreover, the two brothers had only met once in the past five years or so. Li Zhan was really surprised.
He said sincerely, "I have not studied the national economy, but I think your analysis is reasonable. Infrastructure construction is the foundation of the national economy and an industry closely related to the people's life experience. I support your choice of this industry." .”
"I have done a lot of research and research. Without research, I have no right to speak." Li Xiangxiao said as if he was an adult. He could be considered an adult. He sighed and said, "Dad, you don't know that the official mentality is too serious. In his eyes, except for officials, everyone else is second-class. Before his death, my grandfather was only the secretary of the brigade, and it is still his bragging rights. I have also thought about it. If I have the opportunity, I will work in the infrastructure system. Cadres are not incompetent. In short, a red heart is prepared with both hands. Brother, the main thing is that you have to help me deal with our dad and tell him not to worry, and he will listen to you. "
Li Zhan laughed loudly, "Okay, I can guarantee you this."
The two brothers talked and looked at the people passing by the shopping street, their eyes full of excitement, and had to get out of the car and push them along slowly. Going in a small direction, there is one of the few real estates in the county. It is said that the reputation is quite good.
As a result, when I arrived at the place, I saw that there was a narrow old alley right out the door, and the location was really not good enough. It turns out that what attracts people is the so-called school district degree. If you buy a house here, your children will not have to pay thousands of yuan in school building fees every year to attend primary school. Parents are bound to go all out for their children.
I pity the hearts of parents in the world.
The other one is Xiangjiang Garden, which is also located in the canal area in the east of the city. On his way back, Li Zhan saw their huge advertisement, and the picture was quite beautiful. The main reason is that it is a new area, and many living facilities are still under construction. However, a two-kilometer-long leisure zone has been built on both sides of the canal. There are some of the best hotels in the county around it, with some high-end atmosphere and a better environment. The old town here is much better.
Without saying anything, the brothers climbed a long slope to the canal. It can be seen that another advantage here is the high terrain. According to local superstition, sitting north and facing south is superior to others.
As a result, when the enthusiastic sales lady quoted the average price, Li Xiang almost bit his tongue, "What? Four thousand two?"
The average price in the city center is only over 4,000.
Li Zhan was also frightened, but he was a plane pilot, so his mental quality was not as strong as usual, and he was calm on the surface.
The sales lady said matter-of-factly, "My dear, our Xiangjiang Garden is the best real estate in West County. It's not bad compared with the urban area. Look at the garden inside. No other building has such a big garden, and ours is multi-story. It’s not just twenty or thirty-storey high-rises, the kind of high-rise apartments that live in are like matchboxes. Besides, our floor height reaches three and a half meters. Other buildings say it’s three meters, but actually it’s 2.8 meters, which is pretty good.”
It's definitely not 3.5 meters, and 3.12 meters is indistinguishable.
She walked from the back balcony to the front balcony, pulled out a section of the roll in her hand, and pointed out the situation in a way that made Li Zhan feel ashamed.
"Double balconies. The front balcony faces south, facing the canal leisure area. This is a riverside view. The back balcony faces the garden, which also has a good view. Look at this apartment, the hall is square, the four rooms do not interfere with each other, and the double master Each bedroom has its own bathroom, and there is also a shared bathroom. The kitchen and living room can be connected or separated. This type of apartment is the only one left now, 303. If the original customer hadn't been unable to get the mortgage, it would have been gone long ago... …”
Li Zhan couldn't help but ask, "How many square meters is here?"
"One hundred and fifty-seven, the total price is 660,000. If you sincerely want it and can place a deposit today, you can get a discount."
“The main area is too big.”
Li Zhan was startled, and after a quick calculation, he found that the total price was 660,000!
With his current salary, he would have to go without food or drink for seven years, and that doesn't include decorating furniture and appliances.
Li Xiang was stunned. In his mind, sixty-six thousand was already an astronomical figure, let alone six hundred and sixty thousand. This money can probably buy a piece of land to build a five-story building. It's a pity that Li Zhan didn't think about it at this time. Another thing is that even if he thought about it, he didn't have the financial resources.
"Are you going to get a mortgage or full payment?" the sales lady asked Li Zhan. She had already seen that it was the eldest brother who made the decision, and the younger brother was just a soy saucer.
Li Zhan smiled helplessly and said, "A mortgage, even a mortgage, is unaffordable. It's too expensive."
The sales lady confidently said, "It's really not expensive. You can go look around again. There are almost no apartments in the same environment, the same apartment type and the same location. Even if there are, they are definitely more expensive than the ones in Xiangjiang Garden."
"The apartment is too big. Is there a smaller one?" Li Zhan asked. Since he can't afford it, there is no need to stay here anymore. Let's see if there will be a miracle in the price of a smaller apartment...
The sales lady smiled and asked, "Pretty boy, you're not married yet. I've been here, so let's put it this way, you think the house is too big now, and when you get married and have children, you will regret not buying a large apartment. You see Ah, you, husband and wife and children, will the old man come over to help take care of the children? That will make four people. This is your brother, will he have to live with you before he gets married? That will make five people. Four The room is actually just enough, so there is no big problem at all.”
Looking at the somewhat fat sales lady, Li Zhan actually believed in her words, because this was almost everyone's only path. However, Li Zhan is not an ordinary person. He is a cadre of the army. He will live in the army most of the time in the future. When he gets married, he believes that he will be eligible for a standard welfare house with two bedrooms and two living rooms.
Just when he was about to express his refusal decisively, the sales lady's words made him hesitate.
"Another thing is that my parents are getting older and older. Elderly people like spacious places. They are happy to live in a big place. Just like my parents-in-law, they don't want to live with us because the place is too small. A two-bedroom apartment. You have to walk sideways, which is quite uncomfortable.”
So Li Zhan directly stated the difficulty, "I don't have enough money, even the down payment is not enough."
"Buying a house is something that many people scrape together here and there. Only a few of them actually save enough for the down payment. Really, believe me." The sales lady guided and asked, "By the way, what do you do?" work?"
Li Zhan smiled slightly and said, "I am a soldier."
"Ah, you are from the army!" The sales lady was very excited and asked quickly, "Are you a cadre or a volunteer? If you are a cadre, you can get a loan from the bank, not a mortgage loan, and you can also have a credit loan. I have a colleague's husband. He was also a soldier. He bought a house like this over at the airport. Where did you serve as a soldier? "
Li Zhan was surprised by the sales lady's sudden change of attitude and said, "I am also from the airport, a cadre."
"That's easy to do!" The sales lady immediately took out a small book and wrote while saying, "Let me calculate for you, how much money do you need for the down payment?"
Li Zhan and Li Xiang looked at each other helplessly. Li Zhan said, "The difference is 70,000 to 80,000 yuan, which is half less."
"That is to say, if you have 100,000 yuan now, and the down payment is 180,000 yuan, it should be no problem for you to get a bank credit loan of 70,000 to 80,000 yuan. You can get a loan from whichever bank your salary card is from. For military cadres, there will definitely be no problem. ." The sales lady said quickly, "If you calculate the monthly payment, the mortgage loan is 420,000, for thirty years, about 1,800 per month. This should not be too stressful for you army cadres."
"Thirty years?" Li Zhan said in surprise.
The sales lady smiled and said, "You can pay it off in advance. The longer the time, the less pressure you will have. Trust me, I've been through it. Oh, yes, you should have a housing provident fund. You can withdraw it, and you can enjoy the provident fund loan interest rate."
"It's only been a few years, so there shouldn't be much money." Li Zhan was distracted, feeling like he was being forced into a desperate situation, but when he thought about giving his parents a good living environment, he made up his mind instantly.
"I'll go to the bank and ask." Li Zhan said, grabbing Li Xiang who was in a daze and striding away.
The sales lady hurriedly followed and handed over her business card and said, "Manager Li, please contact me as soon as possible. This house is really in demand. Two groups of customers came to see it in the morning. They may come to pay the deposit soon. I I'll try my best to hold it back for you, and try to get it done as quickly as possible. If it's ICBC, just turn left when you go out, and CCB needs to go to Taoyuan Hotel."
"good."
The worst thing is to try to become a second-level pilot as soon as possible and get more rod fees, Li Zhan thought.
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