Chapter 86 Jinjiang's Exclusive Money Management
A month later, Su Ruyi returned to the community and found that it had changed a lot. The houses had been built before, but the landscaping had not been started. Now, trees and flowers had been planted in the flower beds, and small pavilions and corridors for rest areas had been built. The overall atmosphere of the community had been created.
The community is clearly specially designed, probably because the land is still relatively cheap now, and this community mainly targets the mid-to-high-end market, so the distance between buildings is relatively large, and the green areas and activity areas are also quite large.
"This neighborhood seems pretty nice," Su Ruyi said.
"They said it was designed by a designer from the port city, and it's quite good compared to other places in Qing Province. Although the house prices are a bit high, the environment here is good and convenient, and there's also room for appreciation."
When Lu Ting first entered the real estate industry, he did a lot of research and was very optimistic about the future prospects of the real estate market.
Although many people are waiting for their work units to allocate housing, the capacity of these units is limited, and with the rise of private enterprises, more and more people will need to buy houses to have a place to live.
Therefore, Lu Ting believes that housing prices will rise, and this industry will usher in a golden age.
It was after making this judgment that he prepared to enter the real estate industry and completely transform his career.
Upon hearing this, the salesperson enthusiastically introduced the product:
"People who buy houses here are all from wealthy families. Villas will be built in the East District in the future, so if you buy a house here, the people you will meet in the future will all be rich and powerful."
The salesperson had previously served Lu Ting, and when Lu Ting appeared, she actively tried to reach out to him.
Although Lu Ting looked young, he was clearly full of vigor and had obviously made a fortune somewhere.
Even if they can't afford it now, they are still potential customers, so treat them well.
These days, you can't underestimate anyone. Someone who seems insignificant might actually be making a fortune.
Therefore, the salesperson treats everyone with enthusiasm, regardless of whether they buy or not, and has now become the top salesperson.
Now, seeing Lu Ting bringing Su Ruyi to look at the house, Su Ruyi looked even younger and more naive, but she didn't look down on him at all and was very enthusiastic.
This woman seems to have a special relationship with Lu Ting. Even if she can't afford a house, she still has Lu Ting by her side.
Lu Ting runs a renovation company near the neighborhood, which everyone knows, because they can get a commission if they recommend his company for renovations.
At Su Ruyi's request, she selected several houses for Su Ruyi to choose from.
The houses are now mostly completed, and you can go inside and take a look.
Su Ruyi was not in a hurry. Instead, she took out a compass and began to locate the house and determine its orientation.
"Miss Su, you also know feng shui?" the salesperson asked in surprise.
Most business people are somewhat superstitious, and the salesperson had served many people who bought houses based on feng shui. However, he did not expect that someone as young and beautiful as Su Ruyi would also believe in this.
"The comfort of a house is greatly influenced by its location and surroundings," Su Ruyi said.
Even within the same residential complex, different locations and apartment layouts can create vastly different living experiences. While the differences may not be drastically different, they are still significant.
Su Ruyi didn't notice this at first; it was only after the tenants brought it up that she realized the difference.
The same tenant living in different houses can have electricity bills that differ by up to 200% in the summer.
The furnishings are exactly the same, and the tenants' lifestyles haven't changed much.
The first room faces west and, due to its location and layout, is very hot in the summer, requiring the air conditioning to be turned down to its lowest setting whenever the house is home, while it's extremely cold in the winter. The other room only needs air conditioning during the hottest times; a fan is sufficient at other times, and it's not as cold in the winter.
From then on, Su Ruyi began to pay attention to this issue and started to study feng shui. Although she only studied the surface, the houses she chose so far were all pretty good.
When buying a luxury house for himself, he even downloaded an app to check the sunlight and other conditions of his house throughout the year.
Some houses are always in the shadows due to nearby buildings, making it difficult for them to get sunlight or to receive sunlight for very long.
Su Ruyi likes bright and sunny houses. If sunlight doesn't come in, even with various appliances, the house still feels gloomy and uncomfortable.
Now that there's no software available, we have to calculate it ourselves, and we can only rely on Su Ruyi's rough estimate.
Although this house won't be the only one, and she'll most likely move to another one in the future, since Su Ruyi has already spent the money, she definitely wants to choose the one she's most satisfied with.
This is her first house in this world, so she has to take it seriously.
We should also take a good look at feng shui and such.
Su Ruyi, despite being a novice, was still quite experienced, so she didn't waste much time and eliminated several properties.
Before even entering the house, Su Ruyi already had a general idea of what to expect. Sure enough, after looking at it, she found that everything was pretty much as she had predicted.
After looking at five apartments, Su Ruyi stopped and chose the one she liked best.
The house is 120 square meters in total, with four bedrooms, two living rooms and two bathrooms. Since there is no shared area, it is quite spacious.
This apartment layout is considered spacious even in the provincial capital, and it even has two bathrooms, which is something that many modern houses don't take into account; it's usually only found in small villas.
This apartment has a fairly square layout, with a spacious master bedroom, and the other rooms are also quite well-balanced. The living room is also very bright. Although it is not the common design that separates living and sleeping areas, but rather a four-leaf clover-shaped layout, the layout is still reasonable. The master bedroom maintains a certain degree of privacy, and the living and dining areas appear more spacious.
The house has five floors. Su Ruyi chose the fourth floor. Although the rooftop comes with a terrace, Su Ruyi didn't know how good the waterproofing coating was, and the top floor was also very sunny, so she preferred to pay more for a different floor.
As for worrying about being disturbed by the upstairs neighbors, Su Ruyi wasn't concerned. If she encountered inconsiderate neighbors, she would simply move out and find another place.
"This one will do. You can calculate the price after the discount." Su Ruyi had no major problems with the house and made the decision immediately.
The price of housing in the provincial capital is about 800 yuan per square meter, but the price varies from area to area and from house to house. Here, the price is about 1,200 yuan per square meter, and the price varies from house to house and floor to floor, with the difference reaching up to 200 yuan per square meter.
The salesperson's smile widened as she led the two back to the sales office.
The apartment Su Ruyi chose was priced at 1,300 yuan per square meter. Because of Lu Ting's connections, she got an 85% discount, and then the remaining amount was rounded down, ultimately purchasing the apartment for 130,000 yuan per square meter.
"Ms. Su, would you like to pay in full or take out a loan?"
Su Ruyi asked in surprise, "You can even get a loan?"
It's not common to buy a house with a loan now; many people only buy after they've scraped together the funds, and there haven't been any policies issued yet.
Lu Ting is an example; he bought all his houses with cash.
"Yes, our company has partnerships with banks, and it's very easy to get loan approval through us."
Mortgage interest rates are not low these days, but Su Ruyi still decided to take out a loan to buy a house. She is still short of money and needs to renovate the house later.
Most importantly, future inflation and rising housing prices will completely offset interest payments.
Lu Ting noticed Su Ruyi's interest and said, "If you don't have enough money, I have some here."
Su Ruyi shook her head: "No need, I'll just take out a loan."
Lu Ting was a little unhappy: "Why are you keeping such a clear distinction between us? You'll be managing all my money from now on."
"That's not it." Su Ruyi almost choked on his words. "I'll tell you later."
"How many properties can I buy with a loan?"
The salesperson paused for a moment, then quickly replied, "That depends on your ability to sell; there's no limit on the number of sets."
Su Ruyi eventually bought three houses, all with loans. One of the houses was a 90-square-meter three-bedroom house, and the other was a 70-square-meter small three-bedroom house.
"Why not use my money?" Lu Ting couldn't help but ask as soon as he got in the car.
Su Ruyi analyzed future trends and said, "I'm taking advantage of the bank."
Lu Ting eventually accepted, but he still couldn't understand: "Aren't you afraid of owing money?"
Although Lu Ting was daring and enterprising, and a leading figure in this era, he was still relatively conservative in some aspects.
He really dislikes being in debt, no matter whose money it is. He feels uncomfortable whenever he is in debt and wants to pay it off as soon as possible.
He did understand Su Ruyi's point of view, but he still felt awkward and felt that those houses did not belong to him.
"Those who are owed money now are the ones who need to worry," Su Ruyi said calmly.
Although she doesn't really like being in debt, she paid off the house she bought before quickly, even though she didn't pay it off in full.
But since I knew the future trend, I couldn't resist taking advantage of the situation.
Lu Ting didn't say much. Although it didn't fit his usual style, he didn't boss Su Ruyi around or give her a paternalistic speech.
This pleased Su Ruyi greatly, and she gave him a kiss when they parted.
But she was quickly turned the tables and got off the bus with her ears burning red.
The next day, Su Ruyi began working with the workers to carry out basic renovations on the house.
Because she also bought a house, she was renovating seven houses at the same time.
Su Ruyi had done this kind of thing before, but back then there weren't as many construction workers as there are now. The key was how to coordinate the personnel.
However, because this era was not convenient enough, many materials were not familiar to Su Ruyi. At first, Su Ruyi did not dare to be overconfident and focused on decorating two houses. One was her own house, and the other was Lu Ting's model house. The other houses were arranged for personnel to be brought in according to the situation.
Although it was a model room, Su Ruyi had the same requirements for materials as her own home, and Lu Ting agreed with this.
“From now on, those houses will be for our own family to live in, and we will decorate them according to your requirements.”
Su Ruyi's plan is that this renovation will not be outdated for the next ten or twenty years. It's hard to say about the style, but at least the basic hard furnishings must be up to standard, such as electrical wiring and water pipes.
Various electrical appliances will soon be entering every household. If sufficient wiring capacity is not arranged in advance, the circuit breaker will easily trip when there are more appliances.
And details such as placing the washing machine in the drying area, which means the water and electricity need to be connected there.
Su Ruyi's decorating habit is to first meet people's basic living needs, and then talk about style and decoration. If the design is unreasonable, no matter how beautiful the house is, it will not be comfortable to live in.
Even if you move houses frequently, you still need to live in a comfortable and convenient place.
The problem is that we don't know who will be living here in the future, so we can't customize it. We can only design it according to the common family structure.
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