(Brain storage site)

"Bang bang bang—"

A series of urgent knocks startled Chen Feng awake, and at the same time, a flood of memories rushed into his mind, causing him to yell "Ah!" with a headache.

"Bang--"

The person knocking on the door seemed to hear Chen Feng's shout, kicked the door open and rushed in, helping Chen Feng up and asking, "Brother Feng, how much have you drunk? You haven't been to school for ages, are you still not awake?"

"Brother Ping, what brings you here?" Chen Feng asked instinctively, looking at the face that was both familiar and unfamiliar in front of him.

Recognizing this person from the merged memories, it was Zhou Ping, the original owner's classmate and best friend, and also the original owner's only friend, the kind of person who was so close they could share a pair of pants.

The person he transmigrated into was a seventeen-year-old boy, a senior high school student at Jiangzhou No. 1 High School, who had just over two months until the college entrance examination. However, his parents had died in the line of duty half a year ago.

Therefore, the original owner had been in a state of grief all along. Last night, he drank too much and ended up seeing his parents, which allowed Chen Feng to transmigrate and take over his body.

“Brother Feng, it’s already noon. Our homeroom teacher, Old Zhang, specifically asked me to come and see you because I couldn’t get through to you on the phone or reply to your messages.”

Zhou Ping poured a glass of cold water for Chen Feng, who took it and gulped it down in one go.

He grabbed the phone next to him, only to find that it was out of power. He gestured to Zhou Ping, who took it and found a charging cable on the cabinet to charge it.

"Brother Ping, I'm really sorry to have troubled you to make this special trip," Chen Feng said, while retrieving information about this world from his memories.

Although this world is similar to modern Earth, it is a world where technology and martial arts coexist, and it is a world of high martial arts. Technology is only used to assist people's lives. In fact, humanity has always been fighting against various races from different universes.

"Who cares? Anyway, there's no way someone like us could get into a martial arts university. We'll just go to a regular liberal arts university and become ordinary people in the future," Zhou Ping said nonchalantly.

"Yeah, everyone's ambitions are pretty much the same. Anyway, since no one has any talent for martial arts, we might as well just give up."

Chen Feng nodded in agreement, because like Zhou Ping, he had no talent and had not yet mastered the basic stance training. His qi and blood could not be improved much, and he would not be able to break through to the ninth rank of martial artist before the college entrance examination.

"By the way, Brother Feng, didn't you take out a mortgage on a house? The repayment date seems to be tomorrow. Do you still have the money?" Zhou Ping then asked.

Upon hearing this, Chen Feng immediately remembered that the house he was currently living in was a welfare house provided by his parents' work unit. Now that his parents had passed away, the work unit told the original owner that he could live there until the end of the college entrance examination, after which they would take back the house.

Therefore, the original owner went to a real estate agency last month to inquire about renting a house, but was deceived by the sweet talk of the pretty young lady in the agency, and ended up buying a house with a mortgage.

The house is 100 square meters, but it is located within the third ring road of Jiangzhou. The total price is 2.8 million yuan, with a down payment of a little over 30% of 1 million yuan and a mortgage of 1.8 million yuan.

The mortgage term is fifty years, and with the equal principal repayment method, the monthly payment is 3,500 yuan.

The parents had 860,000 yuan in savings, the original owner had more than 50,000 yuan in New Year's money, and after the parents died in the line of duty, the various compensations added up to about 2.3 million yuan. Therefore, after Chen Feng bought the house, he still had 2,216,800 yuan in his bank account.

“There’s still some left; my parents’ pension money hasn’t been used up for the down payment yet,” Chen Feng said in a low voice.

"No matter what, you now own a house, unlike me who still has to work hard in the future. It's good enough that my family can support my education; they can't support me at all."

Zhou Ping joked that Chen Feng knew his situation; he had three brothers, and as the eldest, he would probably have a very heavy burden in the future. In comparison, he at least had a house.

Chen Feng was somewhat averse to mortgages. Before transmigrating to Earth, he was a mortgage slave, and he never expected to still be one after transmigrating. Could it be that the end of the universe is the end of mortgage slavery?

However, the money in my bank account is more than enough to pay off the debt, and I will still have about 300,000 yuan left, which is enough for me to spend for four years of college. After I start working, I will naturally have an income.

"Brother Ping, wait for me to wash up, then we'll go out and get something to eat." Chen Feng got up, rushed into the bathroom, and looked at the unfamiliar yet handsome face in the mirror, somewhat incredulous.

However, he did not bask in his own good looks. Instead, he quickly washed up, changed his clothes, and took his ID card, bank card, and mortgage application documents with him before heading out.

"This door won't lock, what should we do?" Standing at the door, staring at the broken lock, the two fell silent. Zhou Ping finally asked.

"It's okay, I know someone at the entrance of the community who can change locks, I'll just have him come and change the lock," Chen Feng said after thinking for a moment. Anyway, his most important things, such as his ID card and bank cards, were in his bag, and there wasn't anything valuable in his house.

He told Uncle Liu, who was changing locks at the entrance of the community, to come and change the door lock for him. Then he took Zhou Ping to eat a bowl of noodles. Afterwards, on the way to school, they went into the bank where they were handling the mortgage.

"Hello, I'd like to ask if I can pay off my mortgage early?" Chen Feng asked the uniformed lady at the counter after showing his paperwork.

"I'm sorry, sir, your mortgage payments haven't started yet, so you can't make early payments. You have to wait until six months after the mortgage is paid off before you can apply for early repayment."

The uniformed young lady glanced at Chen Feng's information, then smiled sweetly and said to him.

"It has to be in six months? Then I'll apply again in six months." Chen Feng knew that this was the mortgage regulation, so he didn't make things difficult for the young lady. He figured that if he waited six months to make an early repayment, he wouldn't have to pay much more interest.

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