Chapter 89 [Second update]
When Grandpa Jiang finished the calculation, he was completely stunned.
One thousand five hundred dollars!
Oh my God, was he right?
He looked at Jiang Bai tremblingly, and Jiang Bai also looked at him in shock.
In fact, they are underestimating the numbers. In the second half of last year, Grandpa Jiang sold at least ten pieces every day...
He makes ten yuan for each piece of clothing, so fifteen pieces of clothing make one hundred and fifty yuan. He has also sold more than twenty pieces a day, so that means more than two hundred yuan a day?
By the way, his grandson sold more than 300 pieces in one day. How much did 300 pieces cost?
Grandpa Jiang couldn't count on his fingers anymore, and Jiang Bai was stunned at the end.
The two looked at each other, then turned to look at the villa at the same time. The building area was not particularly large, but it was definitely not small. They didn't know what a villa was yet, and still called it a building in their minds.
No wonder his granddaughter/his sister could afford such a big house!
Last year, he earned a lot of money for his sister just in the last few days of the year!
Suddenly I thought, it's not right. My sister has to pay 500 yuan for the mortgage every month for 30 years, which means 6,000 yuan a year, 60,000 yuan in 10 years, and 180,000 yuan in 30 years.
The two of them took a deep breath at the same time. The loan repayment was 180,000!
This doesn’t even include the down payment she paid!
Well, well, well...how much does that cost?
Two hundred thousand?
One hundred and ninety thousand?
It can’t be 180,000, right?
When the two of them thought about the ending, their hearts trembled.
Grandpa Jiang looked at his younger granddaughter and realized that his older granddaughter was really someone who could do great things!
A house costs at least 180,000 yuan. Can you just buy it?
That’s 180,000!
Nowadays, anyone who has a savings of 2,000 yuan is considered rich!
He, he, he...his granddaughter, directly bought a house for more than 180,000 yuan in Shanghai!
Grandpa Jiang pointed at the house with trembling hands and asked Jiang Ning: "This this this this... this house costs more than 180,000? You you you... how much did you pay for the down payment?"
Jiang Ning blinked: "Zero down payment."
"Zero zero zero... zero down payment? Don't fool me, an old man! Is there any house with zero down payment in this world?" Grandpa Jiang screamed in shock. Even though he was always carefree and never cared about the affairs of the younger generations, he couldn't believe that there was such a thing as zero down payment in this world.
Jiang Bai, a rural boy who had never seen much of the world: ...
"Yes." Jiang Ning nodded decisively, then looked up at Jiang Bai: "Second brother, do you want to order one too? If you miss this opportunity, you'll never get the chance again."
It is already 1996. Although the surrounding environment is still desolate, the Shanghai market is changing with each passing day. This is the future financial and trade center. The housing prices are ridiculously high. Hong Kong Island will return next year, and the policy of allocating housing to employees as welfare will be completely abolished the year after. It will be basically impossible to have a zero down payment in the next few years.
She once saw a report on the annual growth trends of housing prices in various places, including Shanghai. As a global modern financial and economic center, Shanghai saw an astonishing growth rate in 1997, directly from more than 500 yuan per square meter of local houses to more than 1,000 yuan per square meter in the millennium, with an average annual increase of more than 6%. Note ①
In the next ten years, housing prices more than increased tenfold.
Therefore, this year should be the calmest year for housing prices in Shanghai. As this area is built better and better, it will be impossible to have a zero down payment. Even maintaining the current housing prices will be impossible.
The average price of the apartment she bought before was lower than the average price of commercial housing in the current market, and the floor height was 6.2 meters. If you don't take advantage of such a bargain, it would be like someone threw a gold bracelet on the ground and you stepped on it.
Jiang Bai’s household registration has been moved to her house, so he doesn’t need a blue-stamp household registration anymore. If his children or spouse need a household registration in the future, they can transfer it as long as he has worked in Shanghai for a certain number of years. The only trouble is that the apartment is not a school district house, which may cause problems for his children’s education in the future.
But it’s still early. Jiang Bai has made money this year, so can’t he buy it? The blue-stamp household registration policy was not abolished until 2002.
When Jiang Bai heard that he wanted to buy a house, he was so scared that he waved his hands repeatedly: "No, no, no, I don't have any. I don't have money. I won't buy a house."
Jiang Ning patted his back and said, "Are you stupid? You don't want the house you found for free? Are you worried that you can't pay the mortgage? Can I give you a higher salary? Come on, come on!"
Jiang Ning took Grandpa Jiang and Jiang Bo directly to the community where she bought a house. The community had a name that sounded quite fashionable, called Heaton Garden, although there were no flowers around it at the moment.
Yang Meirong didn't expect that Jiang Ning had been going to Shanghai so frequently recently. He had just bought four houses and left a few days ago, and now he was here again. She hurriedly came up to greet him enthusiastically.
"Jiang..." She looked at Grandpa Jiang and Jiang Bai beside Jiang Ning and rubbed her hands: "Miss Jiang, you're here, come on, it's cold outside, come inside and sit down."
She invited Jiang Bai and Grandpa Jiang.
Jiang Bai and Grandpa Jiang were looking curiously at the apartment buildings that had been built and the construction sites that were still under construction nearby.
She looked at Grandpa Jiang and Jiang Bai, and asked Jiang Ning: "Miss Jiang, why are you here at our sales office this time?"
Jiang Ning said directly: "I brought my brother here to buy a house. My brother is now helping me sell clothes in my store, and he earns about 500 yuan a month. I don't know if his conditions meet your zero down payment housing conditions."
That must be inconsistent.
But Yang Meirong poured hot water for the three of them, and said with a smile on her face and excitement, "Wait a moment, I'll go call Manager Qian over!"
With that, he ran upstairs.
Manager Qian had an office upstairs. When he heard that Jiang Ning was here again and brought her brother to buy a house, he hurried downstairs.
Ning Meng, that’s his big client!
After the millennium, there were purchase restrictions on apartments with 70-year property rights, because the land on which a 70-year property right can be built is actually residential land, not commercial land. The property rights of commercial land are only 40 years and there are no sales restrictions, while residential land is subject to purchase restrictions.
The apartment that Jiang Ning bought, although it was an apartment, had a 70-year property right, so it was also residential land.
That is to say, the current real estate industry policies are still imperfect, and the overall environment is currently stimulating the real estate industry, which allowed Jiang Ning to obtain so many apartments at once.
At this time, Manager Qian was still wondering if he could allow Jiang Ning to get two more pre-sale apartments.
He originally thought that Jiang Ning was a pretty girl, but when he looked at Jiang Bai, he was even more outstanding!
It's not that Jiang Ning is not as good-looking as Jiang Bai, it's true that clothes make the man, and gold ornaments make the Buddha. Jiang Ning always wears a tattered old cotton-padded jacket every time she goes out, and this time is no exception. As for Jiang Bai, he is now used to dressing himself up as a walking clothes rack. No matter where he goes, he always keeps his clothes neat and tidy, and always pays attention to his posture. Even if he feels a little uneasy when sitting there, he keeps his back straight, his head up and his chest out, like a little poplar. Because he is worried that Jiang Ning will meet a liar, his eyes are firm and there is a hint of scrutiny when he looks at people.
Otherwise, why do they say that one should respect the clothes first and then the person? Jiang Bai didn't look like a boy from the countryside at all. He sat in the lobby of their sales office, and the whole lobby seemed to be brighter because of him.
"Teacher Jiang Ning..." Manager Qian came over enthusiastically and held Jiang Bai's hand: "You are Teacher Jiang Ning's brother, right? Hello, my last name is Qian."
Jiang Bai felt a little uncomfortable being stared at, but he still resisted the urge to be noticed and nodded, "Brother Qian."
Manager Qian smiled even more happily: "Just call me Lao Qian, call me Lao Qian."
Manager Qian was already in his forties, old enough to be Jiang Bai's father. He was overjoyed to hear him call him Brother Qian. After greeting Grandpa Jiang, he asked Jiang Ning, "Teacher Jiang Ning, are you here to buy a house?"
Jiang Ning pointed at Jiang Bai with her palm facing up and said, "I want to ask my brother if he can also buy a pre-sale apartment with zero down payment.
The country bumpkin Jiang Bai doesn't know what a pre-sale property is yet. He only knows that he has to buy a house and he is getting nervous and restless.
He didn't have much money at all, and had no money to repay the loan. He wanted to tell his sister that he would not buy a house if they went back.
But for some reason, looking at his sister like this, he didn't dare to say anything and couldn't open his mouth.
Manager Qian hesitated for a moment and said, "I can't guarantee this. I need to call the bank to see if it can pass the review."
"Okay!" Jiang Ning nodded: "Then ask the bank for me."
Manager Qian simply nodded in agreement. There was a phone at the sales office for the convenience of people who wanted to ask questions, so he went to the phone to make a call.
However, according to Jiang Ning's monthly income flow, plus the fact that she also has a store in Wucheng, Jiang Ning should be able to afford Jiang Bai's monthly salary of 500 yuan. A salary of 500 yuan is considered an absolutely high salary, not to mention in Wucheng, even in Shanghai.
Manager Qian felt a little embarrassed, but he really wanted to make this happen.
You know, he gets a commission for every house sold.
Jiang Bai was completely forced into this. Sitting in this sales office decorated in European and American style, commonly known as Western style, he felt uncomfortable everywhere and didn't know where to put his hands.
He quietly moved over and pulled the clothes on Jiang Ning's arm: "Ning Ning, how about forgetting it? This... I don't have the money to buy a house?"
With the money Jiang Bai earned in the past few months, including the 300 yuan red envelope Jiang Ning gave him three days before the New Year, and the 50 yuan she gave him on the second and third days of the New Year, his total savings now amount to about 700 yuan.
He never dared to spend the money recklessly and kept it carefully in his passbook.
Jiang Ning pulled up her sleeves and said, "Don't worry. If you're worried that it's not enough, you can pay me back slowly when you make money in the future. At most, you can help me work for a few more years and look after the shop for a few more years."
Jiang Bai was so conflicted.
His plans and imaginations for the future were all accelerated by Jiang Ning.
His original plan was to go out to work and learn a skill after getting his high school diploma, but now he went straight to the college entrance examination. He thought it would take many years, and he would have to save little by little like a little hamster to save enough money to build a house in his hometown in the future. Suddenly, his sister asked him to come and buy a house.
This is equivalent to directly pulling him into the plan for ten or even fifteen years later.
Jiang Bai's head was completely confused and he couldn't keep up with his sister's pace at all. He was being pushed, pulled, or even dragged by Jiang Ning.
Manager Qian went to communicate with the bank. Jiang Ning and the others sat there and said to Yang Meirong, "Can you take us to see the model house?"
Of course Yang Meirong agreed.
Jiang Ning stood up and helped Grandpa Jiang to stand up, and the three of them followed Yang Meirong to go and see the house. Manager Qian still had to liaise with the bank and his current boss regarding Jiang Bai's eligibility to buy a house.
His boss is a Hong Kong businessman from Hong Kong Island and has no power background in the local area. However, the current domestic environment is to attract various investors to invest in the mainland. The Hong Kong businessmen are most interested in real estate, so they acquired land in Shanghai and built the Heaton Garden apartment building. They recruited the unemployed Qian Shengli as the sales manager because they were impressed by his local network of contacts.
After all, he was a middle-level leader in the factory and a native of Shanghai. He had been doing business here for many years. He not only had acquaintances in the bank, but also in the government. Unfortunately, his position was too low and he did not get the free blue-stamped household registration.
The person he contacted was not the big boss at the top, but the person in charge of real estate in Shanghai.
After learning that this man's sister had bought six houses from them at once, with three more pre-sale houses, the person in charge nodded and said, "Give him the same discount as his sister."
Jiang Ning got an 8% discount at the beginning, but as he bought more later, he simply gave a 5% discount.
This discount was already a very big discount when taken into account in the total purchase price of the house, and it was also a 95% discount for Jiang Bai, which helped Jiang Bai save a lot of money at once.
Jiang Bai didn't know it at the moment, as he was looking at the model house with his sister and Yang Meirong.
I have to say that the interior decoration designed by the foreign designer invited by their boss is really in line with people's definition of Western style in that era.
The general environment of the whole society now is to worship foreign things and fawn on foreigners. The moon abroad is rounder than that at home. Otherwise, the word "Westernized" would not have become a compliment in this era.
Even Grandpa Jiang couldn't help but exclaim when he saw such a luxurious decoration: "Oh my goodness!"
This is a large flat with an interior area of more than 260 square meters. The living room occupies about 70 to 80 square meters. In the middle, there is a magnificent crystal chandelier hanging from top to bottom. There is a huge pure beige sofa, a shiny coffee table, and the floor tiles are also in the exaggerated style of this era. The middle is all solid color, but the wall is covered with a circle of golden-textured tiles. There is even a billiard table in the living room that is particularly popular now.
Then there is the spiral staircase, pure glass corridor railings and pure wooden railing handrails.
Excluding the 80-square-meter luxurious living room on the first floor, walking inside, there are study rooms, bedrooms, guest rooms, bathrooms, and kitchens. There are all kinds of cabinets, paintings hanging on the walls, and various flowers in vases.
Jiang Bai and Grandpa Jiang both watched without blinking.
If Grandpa Jiang's inner thoughts could be visualized, they would probably be the constant calls of a groundhog, shouting, "I've learned a lot. Oh my god, I'm going to be able to visit such a luxurious house one day? Is this something an old man from a mountain village like me can see? I have to take a closer look, so I can brag to those old guys when I get home!"
Jiang Bai was completely unworldly and was stunned by the luxurious decoration, such a big house, and the decoration style of a modern metropolis that was completely different from the gloomy and crowded room in his hometown.
He seemed to be split into two parts. One part was because he didn't have enough food to eat last year, and his feet were wearing shoes with worn soles that could only be supported by thick insoles. He was wearing patched pants that were left over from Jiang Song, and he was dizzy and hungry every day. He and Jiang Song had been squeezed in a cramped room since childhood, and they shared the same bed, and they even fought when they slept. One part, however, was the luxurious and brightly decorated house in front of him, which seemed like it would never intersect with his world, a house that he had never dreamed of, nor dared to dream of.
The two of them couldn't see enough.
After visiting the first floor, Yang Meirong continued to take them to visit the second floor: "Please go this way, pay attention to the stairs, let's go upstairs to visit."
The decoration on the second floor is slightly simpler than that on the downstairs, but it also has a complete study and bedroom, and each room has a dressing room and bathroom.
Grandpa Jiang watched the whole process with great interest, his face full of the expression of "I have learned a lot" and still wanted to see more.
Jiang Bai was in a daze the whole time.
Anyway, both of them had the same feeling, which was that they were looking at other people's houses and it had nothing to do with them.
They finished looking at it, and Manager Qian had confirmed it with the bank. His superiors had also negotiated a discount, so he said to Jiang Ning, "Because you are our second brother, we are giving you the same discount as you, 95% off."
Jiang Ning smiled and thanked him, and said to Jiang Bai: "Second brother, you have to thank Brother Qian very much. Brother Qian's phone call saved you a lot of money!"
Jiang Bai was still confused, and he heard Manager Qian say to Jiang Ning: "The bank said they can do it for him, but you need to sign a guarantee agreement. If your brother is unable to repay the loan, you will repay it on his behalf until he is able to repay it independently."
In his previous life, Jiang Ning had never been a guarantor for anyone, but this time he simply nodded and said, "Okay." It wasn't much money.
Jiang Bai waved his hands and said, "No, no, no, no thanks. I'm not buying a house, so I don't need any guarantee!"
He pulled Jiang Ning hard, trying to pull her out, but Jiang Ning pulled him down forcefully and said to Manager Qian with a smile, "Brother Qian, give me the contract."
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