The Sweetness of the Seventies
Chapter 747 Not enough money, take out a loan to buy a house
745
Lao Lian took He Tiantian and Huo Yingjie to see other yards.
He Tiantian took a fancy to a yard next to the roadside. It was a road with many people coming and going, and there were residential areas around it, which was suitable for us to open a store. The other one is located near a large park, surrounded by many residential areas. It also serves as a commercial area, with shops on the first floor and restaurants and teahouses on the second floor. However, if He Tiantian opens a store here, these old houses will be demolished and a row of antique rooms will be rebuilt.
There were three other courtyards, and He Tiantian wrote down the advantages and disadvantages of each, and of course the price.
After a busy day, He Tiantian and Huo Yingjie invited Lao Lian to dinner and went home in the evening.
Because when they left in the morning, they told Mrs. Huo not to wait for them to eat together, so they came back from eating outside.
"Have you eaten?" Mrs. Huo asked, "There is still some food in the kitchen!"
"Grandma, I've already eaten." He Tiantian smiled, "I spent a day shopping outside today and ate a lot."
"That's good." Mrs. Huo said, "The two children are playing with Ruixiang in the house. You go and wash up first, and come back to take care of the children later."
"Thank you, grandma." He Tiantian said, leading Huo Yingjie upstairs.
Looking at He Tiantian's back, Mrs. Huo was thoughtful. She was even more curious about her grandson. Why did her grandson's wife go outside?
After washing, take the child over and Huo Yingjie washes the child.
He Tiantian held an abacus and looked at the address, area, house condition, price, etc. recorded in the notebook.
"Brother Yingjie, I have my eye on three places, but with our money, we can only buy two of the yards." He Tiantian replied, and she found that she was becoming more and more greedy.
Huo Yingjie smiled and asked, "Which three yards do you have your eye on?"
"Uncle Cai's yard in Mao'er Hutong is more suitable for us in terms of size and location." He Tiantian replied, "If you marry me for 420,000 yuan, the old man is willing to drop 20,000 yuan at most. This house close to the street can be The flip-top was converted into a store, with a smaller area, but the person quoted a price of 340,000, and I guess he could negotiate it down to 10,000 to 20,000. The other one has a good environment, and is close to the upper park, and the area is quite large. This one is the most expensive, 58,000. Wan. I have no interest in other places for now.”
Huo Yingjie thought for a moment and said, "In this case, we will need at least 1.3 million to buy these three houses."
"Yes!" He Tiantian replied, "I only have 960,000 yuan in hand, which is still a little short of that."
Huo Yingjie thought about it and said, "I have 20,000 yuan here. Let's buy the 420,000 yuan and 560,000 yuan first. For the remaining one, let's pay some deposit first and pay it in three months." For the final payment, settle on this house first.”
He Tiantian didn't hear the rest clearly, but she heard Huo Yingjie say "twenty thousand yuan".
"Brother Yingjie, where did you get these 20,000 yuan?" He Tiantian asked in surprise, doubting that this was Huo Yingjie's private money.
"The bonuses that were paid after the completion of last year's and this year's projects are all in the bankbook and are about to be given to you, but we were in a hurry to come to Yanjing and forgot about them." Huo Yingjie explained, grabbing the money from his travel bag He took out a bankbook.
He Tiantian took it over without politeness, and then said: "My husband is great. When I get bonuses from now on, I will report them as soon as possible!"
"Okay, I'll give it all to you," Huo Yingjie said, "It just so happens that Uncle Qian's son will be coming back in a while, so I just want to ask him about the status of the company there. Logically speaking, it should have made money. If it doesn't make money, , I have to think about changing partners.”
He Tiantian nodded and said: "Business is business, but if you don't have the ability, just replace it."
"But I don't think it's appropriate to give a deposit. You know, if we pay the balance after half a year, during this period, they will break the contract if they meet a buyer who offers a higher price. Even if we get double the deposit, I'm not happy either." He Tiantian said, "What's even worse is that they sold it to someone else and ran away with our deposit. We wasted the deposit."
Huo Yingjie thought for a while and said, "Well, let's buy two yards, right? With the mortgage loan of 420,000 yuan, we can earn more than 300,000 yuan in three months. It's absolutely fine. Pay off these loans.”
He Tiantian's eyes lit up, she nodded and said, "That's a good thing to note. As long as we can afford to pay the interest and principal, we won't be afraid of the bank defaulting on the loan."
"That's it, then we have to take over Uncle Cai's house as soon as possible." He Tiantian said, "Originally we wanted to lower the price, but we will take care of it tomorrow morning. It's 400,000. I guess he won't sell it even if it's a penny less. "
Huo Yingjie smiled and said, "It's okay, we can wait for a day, maybe he will come to us first!"
He Tiantian put down the order in her hand. This matter could not be rushed.
The next afternoon, He Tiantian and Huo Yingjie wanted to go shopping around, but heard that Lao Lian was coming.
He Tiantian and Huo Yingjie brought Lao Lian to a teahouse and said, "Uncle Lian, don't you have a meeting today? Why are you here in such a hurry?"
Lao Lian smiled and said: "It's already finished in the morning. Uncle Cai came to see me in the afternoon. He said 390,000. If you are willing to buy it, please transfer the ownership quickly and give me the money."
He Tiantian's eyes lit up after hearing this, and she asked curiously: "Uncle Cai wasn't holding it yesterday, why are you so anxious today?"
"He received another telegram from his son. If he can't get the money, he will go to jail." Lao Lian said, "I guess he is really short of money. I guess the price offered by others is slightly lower than this."
He Tiantian thought for a moment and said, "Okay, 390,000, I'll buy it. I'll trouble Uncle Lian with the formalities tomorrow."
"As long as you prepare the money, everything else is simple." Old Lian smiled, "Okay, no more talking, I'll go pass the message to Uncle Cai."
"Thank you Uncle Lian for your hard work." Huo Yingjie said, "Be careful on the road."
Things went smoothly, all the formalities were complete, including supporting documents, house purchase contracts, etc.
But it was a bit troublesome when paying. He Tiantian's passbook was in a bank in Nanshi, and the bank in Yanjing took two days to confirm before transferring the money to Uncle Cai's account.
Immediately afterwards, He Tiantian and Huo Yingjie bought a yard with a good environment next to the park for 530,000.
After two transactions, everyone realized that He Tiantian was a rich man, so when He Tiantian proposed to take out a loan with one of the properties, it only took three days to review and pass.
It seems that after the reform and opening up, it is not only the policies that are open, but also people's thoughts.
For example, this loan!
But this is also good, it is convenient for He Tiantian.
Afterwards, He Tiantian got the roadside yard as she wished.
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