Seeing Ma Chao's difficulty in communicating, Hu Pingtao had no choice but to turn to Qian Yue: "Tell me what happened!"

Qian Yue wiped the tears from the corners of his eyes and sighed, with a numb and dull look on his face.

…

Strictly speaking, housing prices in provincial capitals are not high. Compared with the sky-high prices of tens of thousands or even hundreds of thousands per square meter in Beijing, Shanghai, Guangzhou and Shenzhen, the average house price in provincial capitals is only around 15,000.

Ma Chao and Qian Yue dated for two years and received their marriage certificate the year before last.

None of them are locals. They worked in the provincial capital after graduating from university. Their parents are out of town and it is hard to be particular about where they go. After much thought, they still feel that it is better to develop and live more conveniently in the provincial capital. Of course, more of them are

Considering the future... after all, you will definitely have children when you get married, and the education level of schools in provincial cities will definitely be higher than that of prefectures. (This is just big data, Qujing No. 1 Middle School is an exception.)

The couple decided to buy a house in the provincial capital.

Two people looked at the house together, and they both fell in love with Devon Castle. A house of 120 square meters is conceptually considered a mansion, and you can live in it for a lifetime.

From the day he decided to buy a house, Ma Chao had an unspeakable aversion to Li Chaoren, which turned into disgust and hatred.

The "public stall" method was invented by Li Chaoren. For a house of 120 square meters, the public stall takes up 24 square meters. The developer also euphemistically said: The proportion of public stalls in Devon Castle is already very large.

It's too small. If you go to other real estates and have a look, you'll see that there are at least 30% of the public spaces.

The economic environment of the year before last was not bad, and it was a time of peace and prosperity. All capitals wanted to make money, and it seemed that investment in real estate had the highest rate of return. The local government was also happy to see the results, and put up large pieces of land for auction, so that both parties could benefit from it.

There are benefits.

According to the plan, Devon Castle is divided into six phases of construction. The first and second phases were completed three years ago. The quality of the houses looks good, and the layout and structure are good. Buyers are flocking to it, and the prices are rising————

From the initial opening price of 11,000 yuan per square meter, it quickly rose to 18,000 yuan per square meter.

When the third phase of construction started, the developer had already obtained the pre-sale certificate. The planned kindergarten and primary school were already in place, and two-thirds of the hospital was completed. It is said that the municipal planning will also be connected to the subway and the terminal.

Construction has started at this point, and the shield machine will dig here in half a year, and it will be fully operational the year after next at the latest.

It's all good news, and house prices have also skyrocketed, soaring like crazy, reaching a high price of 22,000 square meters.

The average price of RMB 15,000 is just big data. For things like houses, the specific price depends on the location. Although the provincial capital of Yunnan Province is a third-tier city, there are still luxury homes with more than RMB 30,000 per square meter in core areas.

Qian Yue likes this house very much. It faces south and has excellent lighting. There are large floor-to-ceiling windows in the bedroom and living room. Especially on a sunny day when viewing the house, bright sunlight shines in all over the house. Standing in the living room, Ma Chao and Qian

Yue felt extremely comfortable.

In Qian Yue's words: "It's a feeling of happiness, and it's very atmospheric. I feel like this is the house I will live in, and I have to buy it no matter what."

The sales staff in the sales department were very eloquent and presented various data. The property was very popular and there was no shortage of buyers. Moreover, Devon Castle has driven up the surrounding housing prices, and 90% of the houses in the nearby properties have been sold.

Out, there are only four sets left in the third phase of Devon Castle.

If you don't buy it, it will be gone. Once you pass this village, there won't be this store, and it will be too late to regret it.

Women are all good at bargaining, but the salesperson was not moved at all. She said bluntly: There is no room for reduction in the 20,210 square meters. If you want this house, you should pay for it as soon as possible. If you don't want it, just forget it. There are plenty of buyers anyway.

Qian Yue worked hard and the salesperson reluctantly agreed to reduce the price by 200 yuan per square meter. The house price was 21,800 yuan, and the total payment was 2,616,000 yuan.

Including deed tax and notarization fees, the total expenditure is about 2.7 million.

The down payment is 700,000.

Ma Chao and Qian Yue took out the money from the bottom of the box, and the two elderly people each chipped in some. This money basically emptied the savings of the young couple and the elderly, and finally it was enough.

The monthly payment for the house is more than 8,000 yuan, which can be repaid in thirty years.

Judging from Ma Chao and Qian Yue's income at the time, there was actually no pressure to repay.

Ma Chao works for a company that exports automobile brake system parts to foreign countries. His job is to communicate with overseas customers, dock with them, and sign sales orders.

The automobile manufacturing industry is also one of the components of globalization. In order to obtain higher profits, automobile manufacturers outsource parts. Ma Chao's company is such an enterprise. The annual profit is very good, and his personal income is also considerable. Normally

In some cases, the monthly income is more than 20,000, and in peak season it exceeds 40,000.

Qian Yue also has a good job. She works in a teaching and training institution as an English teacher. Although the basic salary is only 1,500, the main way to make money in the teaching and training institution is teaching fees. Each class is forty-five minutes, and fees are charged according to the class hour.

Parents are willing to invest in their children. Qian Yue has a strong business ability and has more than 30 lessons per week. In one month, her income from lessons exceeds 20,000.

Ma Chao and Qian Yue never thought about taking the civil service examination, nor did they think about changing their jobs to a public institution.

Ma Chao has an extremely complicated mentality regarding work within the system. On the one hand, he is extremely contemptuous, but on the other hand, he is also slightly envious.

The main reason for envy is that the job is stable. The term "iron rice bowl" is not an exaggeration. It contains extremely high gold content and guarantees a good harvest despite droughts and floods.

The reason why I despise it is because the salary is not high, plus subsidies, it only costs 6,000 or 7,000 yuan a month. It depends on the specific unit. If it is at the county level, the income is even less, and the monthly actual

It was probably just over five thousand when I got it.

Welfare, labor insurance, pensions, and provident funds add up to a total of about 8,000 to 10,000.

Of course, the income of civil servants will be higher, definitely more than that of career officers.

Ma Chao's sense of superiority comes from this. When his income was at its highest, he once earned more than 50,000 yuan a month. Moreover, his working hours were very casual, as long as he completed the sales tasks. Looking at those people in the system working nine to five There was no obstacle, but he could go home from get off work early... He still felt quite satisfied.

Qian Yue is also very satisfied with her job.

Although she did not graduate from a normal school, she took a teaching qualification certificate. This was mainly required for her career, and she also thought that if possible, she might get lucky one day and be transferred to the formal teaching staff.

But in terms of income, Qian Yue's monthly salary is definitely far more than that of an on-the-job teacher.

It’s really funny to say that English is almost not used in daily life, but parents are rushing to send their children to education and training institutions and spend a lot of money to learn English. This subject is also required for the high school entrance examination and college entrance examination.

It really makes people feel that it is cloudy and foggy, and there are more and more stupid leaders in charge of education every year.

Although the couple has just gotten married and has not been in society for too long, their income is indeed satisfactory and there is nothing to fault. As long as they do not work overtime on weekends, Ma Chao and Qian Yue will go shopping and watch movies together.

Outings... They have no plans to buy a car for the time being. In addition to paying off the mortgage and daily expenses, their monthly income still leaves some money.

Qian Yue formulated a financial plan and bought the money into a fund.

The couple usually likes to watch live broadcasts and enjoy the satisfaction brought by "hand-picking" consumption.

They have no plans to have children within one or two years. Qian Yue plans to wait until her job is more stable and she earns more money, then it will be more appropriate to get pregnant. Ma Chao also has the same view. He thinks that buying a house with a loan is definitely cost-effective, forever.

You won't suffer a loss, after all, this kind of real estate will definitely appreciate steadily in value.

However, since the end of last year, the situation has changed.

The car company did not give Ma Chao a salary increase as usual. It was a fixed amount. Although it was only a few hundred yuan, it was a bit of income, and more importantly, it reassured people.

The company's statement is: the traditional automobile industry, that is, fuel vehicles, has been impacted by the rapid development of new energy vehicles, resulting in a decline in export sales of braking system components for fuel vehicles. After all, there is only so much market share, and new energy vehicles

If there are more, there will naturally be fewer fuel vehicles.

The next year, last year, customers across the ocean canceled orders one after another and turned to manufacturers in Southeast Asia. Among the orders that have not been canceled, processing of some goods has been delayed indefinitely, and others have faced rising costs caused by tariffs and logistics.

In the middle of last year, the company's transaction volume had dropped by more than 40%. By the end of the year, due to the decline in the number of orders handled, Ma Chao's performance was not as good as before, which directly affected his personal income.

He calculated that his income dropped by about 30% that month.

At the beginning of this year, Ma Chao's income plummeted to less than 50% of its original level. After paying off the monthly payments, there was basically nothing left.

The company is far less lively than before and very quiet every day. In the past, everyone was keen to discuss buying funds, stock trading and other money-making topics, but now no one talks about it. Many people start to play games on their mobile phones to pass the time. Sometimes

Playing lasts all afternoon. After all, I am very immersed in playing games and don’t think about anything. It feels like it’s another world.

Someone in the company voluntarily resigned.

Ma Chao also thought about leaving. After all, he was half-dead and only had a minimum salary of several thousand yuan a month. He felt ashamed to say it. But when he thought about the fact that he still owed a large sum of money to the bank, he immediately backed down - several thousand yuan.

Yuan is also money! Use as little as possible, it is better to live and die, and a little bit of income can relieve stress.

After Ma Chao's income plummeted last year, Qian Yue took on the financial responsibility of the family. She usually worked overtime more often, and of course her income also increased. In general, the losses outside the embankment were made up for within the embankment.

The monthly income is not bad and can still maintain the previous level.

Qian Yue accounts for the majority of the monthly income of about 30,000 yuan.

Later, Ma Chao was also forced to resign - the company really couldn't survive, so resigning was better than laying off employees.

Since then, life has undergone subtle changes.

Qian Yue’s skin care products have changed.

It used to be a big European and American brand, at least Estee Lauder, but later it became a Japanese and Korean series.

Although neither husband nor wife likes to cook, Ma Chao started to learn how to cook and restrained himself to read the recipes. Qian Yue learned to steam steamed buns and make buns... In short, the two of them cooked at home a lot.

There are much more than in the past, and I rarely go to fresh food supermarkets such as Hema to buy groceries. Instead, I choose nearby vegetable markets.

Ma Chao sometimes seemed bored at home and would play games all night. Qian Yue couldn't stand it and couldn't help scolding him, but Ma Chao never said anything back.

He understood very well that his wife was now supporting a family. If she relied on herself, it would be difficult for her to eat.

In the middle of last year, Qian Yue lost his job.

On July 24, in accordance with the "Opinions on Further Reducing the Homework Burden and Off-Campus Training Burden of Students in Compulsory Education" issued by the General Office of the Central Committee of the Communist Party of China and the General Office of the State Council, the "double reduction" policy was implemented. Over the years, various

The business volume of education and training institutions suddenly dropped to freezing point.

Qian Yue's institution has suspended all courses. The department it belongs to has begun to lay off employees, initially employees with poor performance, and then fresh graduates who have just entered the industry. Qian Yue is relatively older and has been in the company for a long time.

She believes that layoffs are not her turn, and her colleagues will say a few words of comfort and encouragement when they leave.

Three months later, she received a message from HR.

Qian Yue panicked... In addition to lecturing children and teaching English, she didn't know what else she could do.
To be continued...