Mu Yi and Jin Lily suppressed their frustration, put everyone on the bus, and wandered aimlessly on the street.

When the matter of his son buying a house went wrong, Mu Deqian had a different mood. He didn't feel anything was wrong. On the contrary, he felt relieved, relaxed and in a happy mood. He was mentally excited about Mu Yi and the others buying a house.

Of course he supports it. However, he has his own considerations. After all, Mu Yi has a job and a wife. He can let it go. He also has two sons who have not yet married. There will be more places to spend money in the future.

But Zhang Xuefen was in a bad mood. She had seen through the reason why her second brother and second sister-in-law wanted to mess up the house purchase. In fact, they just wanted to delay paying back the money. And she also had some opinions about her husband. Because

At such a critical moment, Jin Chongming did not show the attitude she thought she should have. She also felt a fire in her heart, but because her in-laws were in the car, it was difficult for her to get angry.

After thinking about it, Mu Yi and Jin Baihe still felt that buying a house was a lifelong matter. If they bought a house from the local tax bureau now because they didn't have enough money, it would be a lighter burden for the time being, but in the long run, the children would grow up.

The bigger it is, the more crowded it will be. Moreover, it is made of prefabricated panels and is sinking. What if there is an earthquake one day? What if the whole family is buried in it? You will earn a lot of money in your lifetime! As for the one with a vegetable garden of one acre

Although the house looked like a good opportunity, the two of them did not have enough money to seize it. They had no choice but to give up. They still worked hard and tried to buy the house in the commercial street. Even if it was temporarily unavailable.

If you have money to renovate, think of a way to renovate the bathroom first, and then think of other things slowly. The family can still live in it with the door closed.

Mu Yi contacted Wen Qingfeng. Wen Qingfeng generously agreed to lend 20,000 yuan to Mu Yi and told Mu Yi that he could give the money to him tomorrow. This greatly encouraged Mu Yi's heart. Mu Yi

Contacted Yuwa'er again. Yuwa'er told Muyi that she lost the horse betting and had no money anymore, but she could immediately borrow 10,000 yuan from a friend and transfer the money to Muyi tomorrow and give Muyi her bank card number.

Send it to him.

The shortfall of 30,000 yuan was solved in one go. The two of them were still short of 61,800 yuan. Just when the two of them were sullen and in despair, suddenly their mother-in-law called and asked them to go to Jin's main road.

Arriving at his father-in-law's house, Mu Yi found that his mother-in-law's eyes were a little red, and she looked like she had cried. Jin Lily also noticed it. Judging from the looks of his father-in-law and mother-in-law, they must have just had a quarrel.

Indeed, they had a quarrel. When Zhang Xuefen returned home, she asked Jin Chongming why he didn't even let out a fart in Jin Chongfa's family. It had been five years since he lent Jin Chongfa 30,000 yuan without any interest. Now he has a big house.

I started living there. I heard that I also bought a house in Meishan. Why do you treat others well but not your own daughter?

Jin Chongming also got angry. He asked Zhang Xuefen: "Who is the other person? Jin Chongfa is my brother."

Zhang Xuefen was crying and scolding. "Jin Lily is still your daughter. Is it because she is a daughter that you haven't liked her since you were a child? You sold the house above to your elder brother's house for 1,000 yuan. I worked hard,

It was built brick by brick and tile by tile. The capital cost was more than 10,000 yuan. You were so angry that you decided to sell it. Jin Chongfa wanted to buy a house, and you took 30,000 yuan without saying anything. The eldest lady's house

My son wanted to start a business. My eldest lady mentioned it, so you borrowed 20,000 yuan. You also borrowed 10,000 yuan from the genius family, and Widow Tian’s son had no money to study, so you lent another 20,000 yuan."

Jin Chongming muttered: "Don't just talk about my relatives. You didn't borrow it over there? Didn't Sanniang's family borrow 10,000? My brother-in-law's family also borrowed 40,000."

"Don't say it. They are only in difficulty for the time being. But they will pay you back as soon as they are better off."

"That's nice to say. They are well-off, but they are not well-off. Others are not well-off either."

"Then just tell me, are you helping them, or are you only helping outsiders and not helping them? Or do you think they are worse than outsiders?"

Jin Chongming thought for a moment and said slowly: "Help. Why don't you help? I didn't say I won't help. I just want to see how I can help."

"Then how are you going to help?"

"You call them to come up. I can lend them the property certificate for a mortgage loan. The loan should be 90,000 yuan. It depends on whether they are willing or not."

Seeing that her husband was still unwilling to borrow money, Zhang Xuefen had no choice. Her husband was responsible for all the money in the family. She sighed, then picked up the phone and called Mu Yi. The phone number of this family member,

She only remembered Muyi's. She couldn't even remember the phone numbers of her husband and daughter.

"Mom, why did you call us to come back?" Jin Lily asked cautiously.

"Ask your dad."

Jin Lily and Mu Yi looked at Jin Chongming at the same time.

"It's like this. It's just a little bit. There is no cash in the house. I thought about it, and the house on the commercial street is really good. I have a real estate certificate here, and I have done an evaluation before to expand the size of the winery.

The appraisal report is still there. You can get a loan of at least 90,000. You can use it to get your own loan. Then there should be no problem."

Jin Baihe felt a little disappointed when she heard this. In the blink of an eye, you have to pay interest on this loan. If the annual interest is 9.6, a loan of 100,000 yuan a year is 9,600 yuan. A loan of 50,000 yuan is also an interest of 4,800 yuan, which is almost the same.

It was already one person's income. She didn't say anything. She didn't dare to make the decision.

"Okay. Thank you so much, Dad." Mu Yi agreed firmly. What he thought of was to get the real estate certificate first, and then borrow as much money as possible. If he really couldn't borrow it, he would only borrow the shortfall.

Seeing that Mu Yi agreed, Zhang Xuefen was worried about their future life and at the same time happy for Mu Yi's courage. She encouraged: "Mu Yi, don't be afraid. The greater the pressure, the greater the motivation. There are always more solutions than difficulties.

.Get through this first. Life will get better gradually. It will be bitter first and then sweet. The things you have worked hard for are more difficult than anything else. Your waist will be straightened."

Considering that with the loan, the house will be settled. We can't have a quarrel with our parents because of this matter. As soon as Mu took Jin Lily with him, he rushed to Wattang, hoping to ease the relationship with his father. Because his father's eyes were really full of

Resentment.

The two came to the store where their father and Brother Jun were. They saw that Brother Jun was not there, and their father was playing cards with some Yi friends. The two greeted their father, but he seemed to be busy playing cards and ignored them.

The two stood awkwardly for a while. After seeing that he had finished the fight, they greeted him again. He still ignored him, and they left.

Returning to the Wattang House, Mother was very happy to see the two people back. She quickly asked: "Has the house been bought?"

The two of them knew that their father did not tell their mother about this when he came back. They said, "I haven't bought it yet."

"There are so many people here, why haven't you bought anything?"

This question really makes me laugh or cry. Buying a house is about money, not fighting or how many people are involved.

Jin Lily: "There is still some money left."

"Oh. I told your uncle's family. They agreed to lend 20,000 yuan. They said they could get it at any time."

The two of them were quite pleasantly surprised by the unexpected news. They called their uncle. However, his uncle was hesitant on the phone and neither said he wanted to borrow it nor that he wanted to borrow it. The two decided to go there in person. Now.

You can borrow as little as you can borrow.

Mu Yi asked Jin Lily to rest at home. Jin Lily said that in order to show sincerity, the two of them should go together. Mu Yi and Jin Lily took their notebooks, pens and ink pads together, went to the street to buy some fruits, and went to Uncle Xiatang's house.

Borrow money.

The weather was cold, but both of them were sweating after walking out.

When they arrived at her uncle's house, she said a lot of unpleasant things. Jin Lily didn't want to borrow the money and was about to get up and leave. But as soon as she thought about it, she opened her mouth and could borrow a little bit. So she patiently borrowed the money and finally borrowed it.

5,000 yuan. Mu typed up the IOU and gave it to his uncle's family. Then the two returned to Wattang.

During dinner, his father still ignored the two of them. He actually didn't know how to face them because he still remembered that he had told Mu Yi before that he had 100,000 yuan. But they only spent 2 on getting married.

More than 10,000 yuan. Now Yaozi has spent more than 40,000 yuan here, and he has to hold on to the remaining 20,000 yuan.

"Dad, don't be upset. I invited you to see the house today just to ask for your opinions. But you shouldn't follow the second uncle's family and say it because we want to buy a house and they have to pay back the money. So we don't want to

Let’s buy a house. Don’t you know that in addition to buying a house in the county town, they also bought a house in Meishan.”

"I just went to my uncle's house to borrow 5,000 yuan."

"I didn't promise to borrow 20,000 yuan properly, why did I only borrow 5,000 yuan?" My mother was a little confused.

"It's a lot if you can borrow as much as you want. As for the money, my father-in-law has already lent us the real estate certificate. We are going to get a loan. If you can help us, you don't mean to give us money, but to lend us. If you can borrow a little,

We will borrow less money and pay less interest."

Perhaps he still felt it was inappropriate, so his father agreed to lend Mu Yi 5,000 yuan. Mu Yi took out a notebook, pen and ink pad and typed up the IOU. He was about to hand the IOU to his father.

"There is no cash now. We have to wait until next Friday to get it."

He thought that maybe his father had deposited the money in the bank, so Mu Yi was not in a hurry to ask for the money. After all, it would still take some time to get a loan. When he didn't get the money, he put the IOU back in his pocket.

Early the next morning, Mu Yi and his father-in-law went to the county town to apply for a loan. Director Wang of the credit department actually came from the same village as Mu Yi, so he was Mu Yi's elder. He was also very familiar with his father-in-law.

He joked with his father-in-law: "Old Biao Jin, what kind of loan are you asking your son-in-law to take out? Just take some of your savings and lend them to them. It's not cost-effective. You are so smart, don't you understand?"

Is the deposit interest not as high as the loan interest?”

Jin Chongming smiled awkwardly and said in a joking tone: "What kind of savings do you have? Stop joking."

Director Wang: "You can spare others, but you can't spare me. When I first started working, what I remember most is that it won't be long before you are riding your weighted bicycle and carrying a yellow schoolbag.

Come and save the money. You may have forgotten that I was working at Longzhong Credit Union at that time. I was later transferred to Chengguan Credit Union."

Seeing Director Wang expose his background, Jin Chongming quickly handed the cigarette to Director Wang. "Come and smoke. Come and smoke."

Considering that 80,000 yuan was already available, Mu Yi only applied for a loan of 50,000 yuan. After the procedures were completed, he still needed to verify the collateral on site. He would wait until the staff of the credit union arranged time to verify.

Loaned.

Because they were from the same village and were acquaintances, Director Wang did a favor and handled special matters. He promised to arrange for someone to verify on Monday and ensure that the loan would be released before Friday. This shortened the time that usually takes one month to release the loan.

One week.

When he went to work on Monday, Mu Yi received a call from his boss, asking Mu Yi to hold an important video and telephone conference on his behalf.

In this important video and telephone conference, Mu Yi keenly heard a key sentence: the country will increase the salary increase of civil servants, double the salary after the year, and strive to quadruple within three years.

This is really exciting news. And it was put forward at such an important meeting, so it cannot be false. Mu Yi quickly made the judgment that housing prices are about to rise sharply. Because he was listening to the economic news at an important meeting.

Experts have talked about a term - house price-to-income ratio. It is said that the house price in a place is 6-10 times the annual income of local residents, which is a normal house price.

According to the current salary of more than 800 yuan, the annual income is almost 10,000 yuan a year, and the normal housing price of a house is 60,000 to 100,000 yuan. If this news comes out and the salary is increased, the salary will become 1,600 yuan.

Then the house price will naturally become 120,000 to 200,000. So Mu Yi rushed to buy the house before the news came out and saved half of the house payment. We must seize time. Time is money!

After the meeting, Mu Yi contacted the owner of the house on the commercial street and asked them to sign the house sale agreement after they got off work at noon.

Contact the landlord. Mu Yi then contacted Jin Lily’s third uncle and uncle. He is a teacher, so he may be better at writing agreements. The house he wants to buy is downstairs from their house. Commercial Street Phase 3

Our house is on the 5th floor. The ground floor is the store. The third uncle's house is on the top floor, which is the 5th floor. The house Mu Yi wants to buy is on the 4th floor.

Mu Yi hurriedly gathered everyone on the fourth floor of Unit 2, Building 7, Commercial Street, and looked at the house. Seeing that Mu Yi would not even pay back the price, the landlord readily agreed with Mu Yi on the terms of the house sale agreement, including the rights of both parties.

Obligations, breach of contract clauses, etc., after writing the house purchase agreement at the third uncle’s house on the 5th floor. Everyone signed, fingerprinted, and paid a deposit of 20,000. It was agreed that another 101,800 would be paid within half a month, and the remaining 10,000 was to be completed.

Pay after the transfer procedures.

Muyi took over the keys from the landlord, what a joy! He quickly invited everyone to the restaurant for a meal.

Soon, the news of Mu Yi buying a house spread throughout the county. It was said that Mu Yi's house price in Xigui was too high. There were people who bought houses without bargaining. There was also talk that Mu Yi bought a house and invited the seller to dinner.
Chapter completed!