Chapter 89 89 [Second update]

When Grandpa Jiang finished the calculation, he was completely stunned.

One thousand five hundred yuan!

Oh my God, did he calculate it correctly?

He looked at Jiang Bai tremblingly, and Jiang Bai also looked at him in shock.

In fact, they underestimated it. In the second half of last year, Grandpa Jiang sold at least ten pieces every day... He

earned ten yuan for each piece of clothing, and fifteen pieces of clothing would be one hundred and fifty yuan. He also sold more than twenty pieces a day, so that was more than two hundred a day?

Oh, his grandson sold more than three hundred pieces a day, how much is more than three hundred pieces? Grandpa

Jiang couldn't count on his fingers anymore, and Jiang Bai was also stunned when he finished the calculation.

The two looked at each other, then turned to look at the villa, which was not particularly large, but definitely not small. They didn't know what a villa was, and they still called it a building.

No wonder his granddaughter/his sister could afford such a big building!

Last year, he gave his sister a lot of money just in the last few days!

Suddenly, it seemed wrong. His sister had to pay back 500 yuan of mortgage every month for 30 years, 6,000 yuan a year, 60,000 yuan in 10 years, and 180,000 yuan in 30 years.

The two of them took a breath of cold air at the same time. It would cost 180,000 yuan to pay back the mortgage!

This didn't include the down payment she paid!

Then, then, then...how much would that be?

200,000?

190,000?

It can't be 180,000, right?

The two of them were trembling with fear when they thought of the last thing.

Grandpa Jiang looked at his young granddaughter and realized that his eldest granddaughter was really capable of great things!

A house that costs at least 180,000 yuan, she just bought it?

That's 180,000 yuan!

Nowadays, anyone who has 2,000 yuan in savings is considered rich!

He, he, he...his granddaughter, directly bought a house in Shanghai for more than 180,000 yuan!

Grandpa Jiang pointed at the house with trembling hands and asked Jiang Xi: "This, this, this... this house costs more than 180,000? You, you, you... how much did you pay as a down payment?"

Jiang Xi blinked: "Zero down payment."

"Zero zero zero... Zero down payment? Don't fool me, an old man! Is there a house with zero down payment in this world?" Grandpa Jiang cried out in surprise. Even though he was always careless and never cared about the affairs of the young people, 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 the world: ...

"Yes." Jiang Bai nodded decisively, then looked up at Jiang Bai: "Second brother, do you want to order one too? If you miss this opportunity, you will miss it forever."

It is already 1996. Although the surrounding environment is still desolate, Shanghai is changing with each passing day. This is the future financial and commercial center. The housing prices are ridiculously high. Hong Kong Island will be returned to China next year, and the policy of allocating housing to unit welfare will be completely abolished the year after next. It will be basically impossible to have zero down payment in the next few years.

She once saw a report on the growth trend of housing prices in various places over the years, including Shanghai. As the global modern financial and economic center, Shanghai saw an astonishing growth rate in 1997, directly from more than 500 per square meter of local houses to more than 1,000 per square meter in the millennium, with an average annual increase of more than 6%. Note ①

In the next ten years, housing prices increased more than tenfold.

Therefore, this year should be the most stable year for housing prices in Shanghai. Later, when this area is built better and better, it will be impossible to have a zero down payment, and even to maintain the current housing prices, it will be impossible.

The average price of the apartment she bought before was lower than the average price of commercial residential buildings in the current market, and it was 6.2 meters high. It was such a bargain that it was like someone dropped a gold bracelet on the ground and you stepped on it.

Jiang Bai's household registration was already in her house, so he didn't need any blue-print household registration. If his children or spouse needed household registration in the future, he only needed to work in Shanghai for a certain number of years to transfer. The only trouble was that the apartment was not a school district house, so it would be a bit difficult for the children to study in the future.

But it was still early. Jiang Bai made money this year, so couldn't he buy one? The blue-print household registration policy was not abolished until 2002.

When Jiang Bai heard that he was going to buy a house, he was so scared that he waved

his hands repeatedly: "No, no, no, I don't have any, I have no money, I don't buy a house." Jiang Xi patted his back: "Are you stupid? You don't want a house that you picked up for free? Are you afraid that you can't pay back the mortgage? Can I raise your salary a little bit? Let's go!"

Jiang Xi took Grandpa Jiang and Jiang Bai directly to the community where she bought a house. The community has a rather fashionable name, called Heaton Garden, although there are no flowers around.

Yang Meirong didn't expect Jiang Xi to go to Shanghai so frequently recently. He just bought four houses a few days ago and now he is here again. She hurriedly came up to greet him enthusiastically.

"Jiang..." She looked at Grandpa Jiang and Jiang Bo beside Jiang Xi, rubbing her hands: "Miss Jiang, you are here, come on, it's cold outside, come sit inside."

She invited Jiang Bo and Grandpa Jiang.

Jiang Bo and Grandpa Jiang were curiously looking 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 Bo and asked Jiang Xi: "Miss Jiang, why are you here at our sales office this time?"

Jiang Xi said directly: "I brought my brother to buy a house. My brother is now helping me sell clothes in my store. He earns about 500 yuan a month. I don't know if his conditions meet your zero down payment housing purchase conditions."

Of course it doesn't meet the requirements.

But Yang Meirong poured hot water for the three of them, smiling and excitedly saying, "Wait a minute, I'll go call Manager Qian!"

Then she ran upstairs.

Manager Qian had an office upstairs, and when he heard that Jiang Xi was here again, and brought his brother to buy a house, he hurried down.

Ximeng, that's his big client!

After the millennium, 70-year property rights apartments were restricted to purchase, because the land that can be built with a 70-year property right is actually residential land, not commercial land. The property right of commercial land is only 40 years, and there is no sales restriction, while residential land is restricted to purchase.

The apartment that Jiang Xi bought is an apartment, but it is a 70-year property right apartment, so it is 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 Qi to obtain so many apartments at once.

At this time, Manager Qian was still thinking about whether he could let Jiang Xi get two more pre-sale apartments.

He originally thought that Jiang Xi was pretty enough, but when he looked at Jiang Bo, he found that she was even better!

It's not that Jiang Xi is not as pretty as Jiang Bo, but it's true that clothes make the man, and Buddhas depend on gold. Jiang Xi always wears a worn-out old cotton padded jacket when she goes out, and this time is no exception. As for Jiang Bo, he is now used to dressing himself up like a walking clothes rack. No matter where he goes, he always takes care of his clothes neatly and freshly, and always pays attention to his posture. Even if he is a little uneasy when sitting there, he stands straight, holds his head high and chest out, just like a little white poplar. Because he is worried that Jiang Xi will meet a scammer, his eyes are firm and scrutinizing 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 Xing..." Manager Qian came over very enthusiastically, and then held Jiang Bai's hand: "You are Teacher Jiang Xing's brother, right? Hello, hello, my last name is Qian."

Jiang Bai felt a little uncomfortable being stared at by him, but he still suppressed the discomfort of being overly stared at, nodded and said: "Brother Qian."

Manager Qian smiled even more happily: "Just call me Lao Qian, call Lao Qian Lao Qian."

Manager Qian is over 40 years old, old enough to be Jiang Bai's father. He was very happy to be called Brother Qian by him. After greeting Grandpa Jiang, he asked Jiang Xing: "Teacher Jiang Xing, are you here to buy a house?"

Jiang With his palm facing up, Qing pointed at Jiang Bai and said, "I wanted to ask for 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 apartment is yet. He just knows that he has to buy a house and is so nervous that he can't sit still.

He doesn't have much money at all, and he doesn't have the money to repay the loan. He wants to persuade his sister that he won't buy a house when they go back.

But for some reason, looking at his sister like this, he doesn't dare to say it and can't open his mouth.

The money manager hesitated for a moment and said, "I can't guarantee this. I need to call the bank to see if the bank can approve it."

"Okay!" Jiang Qing nodded, "Then ask the bank for me. "

Manager Qian simply nodded in agreement. There was a telephone at the sales office for the convenience of those who wanted to inquire. He went to the telephone to make a call.

However, according to Jiang Xi's monthly income flow, plus she also had a store in Wucheng, it was reasonable for Jiang Xi to be able to pay Jiang Bai a monthly salary of 500 yuan. A salary of 500 yuan, let alone in Wucheng, was considered high even in Shanghai. It is an absolutely high salary.

Manager Qian felt a little embarrassed, but he really wanted to make this happen.

You know, he also gets a commission for every house sold.

Jiang Bai was completely rushed, sitting in this sales office decorated in European and American style, commonly known as Western style, feeling uncomfortable everywhere, and he didn't know where to put his hands.

He quietly moved over and pulled the clothes on Jiang Xing's arm: "Xing Xing, how about we forget 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 Xi gave him three days before the New Year, and the 50 yuan given to him on the second and third days of the New Year, his total savings now is about 700 yuan.

He never dared to spend the money carelessly and kept it well in his passbook.

Jiang Xi pulled his sleeves: "Don't worry, if you are afraid that it is not enough, you can pay me back slowly when you earn money in the future. At worst, you can work for me for a few more years and watch the shop for a few more years. "

Jiang Bai was so confused.

His plans and imaginations for the future were all accelerated by Jiang Xi.

He had originally planned to go out to work and learn a skill after getting his high school diploma, but now he had to go 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 up enough money to build a house in his hometown in the future. Suddenly his sister asked him to buy a house.

This was equivalent to pulling him directly into the plan ten or even fifteen years later.

Jiang Bai's mind was completely confused. He couldn't keep up with his sister's pace at all. He was completely pushed, pulled, or even dragged by Jiang Xi.

The money manager went to communicate with the bank, and Jiang Xi and the others were just sitting there. He said to Yang Meirong, "Can you take us to see the model house? "

Of course Yang Meirong agreed.

Jiang Xi stood up and helped Grandpa Jiang to stand up. The three of them followed Yang Meirong to look at houses. Manager Qian still had to liaise with the bank regarding Jiang Bai's eligibility to buy a house, including his current boss.

His boss was a Hong Kong businessman from Hong Kong Island and had no power background locally. However, the overall domestic environment now attracts various investors to invest in the mainland. Hong Kong businessmen are most interested in real estate, so they acquired land in Shanghai and built the Seaton Garden Apartment Building. They recruited the unemployed Qian Shengli as the sales manager, which was also Because of his local connections.

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 connections in the bank, but also in the government. Unfortunately, his position was too low and he did not get the free blue-stamp household registration.

He did not contact the top boss, but the person in charge of real estate in Shanghai.

After learning that this man's sister bought six houses from them at once, and there were three pre-sale houses, the person in charge here nodded and said, "Give him and his sister the same discount. "

Jiang Xi was offered an 8% discount at first, but as she bought more later, she simply gave

her a 5% discount. This discount was already a very large discount when included in the total purchase price of the house, and she also gave Jiang Bai a 5% discount, which saved Jiang Bai a lot of money at once.

Jiang Bai didn't know this at the time, as he was looking at model houses with his sister and Yang Meirong.

It has to be said that the interior decoration designed by the foreign designer invited by their big boss is really in line with this era and people's definition of foreignness.

The overall environment of the society now is to worship foreign things and fawn on foreigners. The moon abroad is rounder than the moon at home, otherwise the word "foreignness" would not have become an exaggerating word in this era.

Even Grandpa Jiang couldn't help but exclaimed when he saw such luxurious decoration: "Oh my god! "

This is a large apartment with an area of ​​about 260 square meters. The living room occupies about 70 to 80 square meters. There is a magnificent crystal chandelier in the middle, hanging from top to bottom in the middle of the living room. There is a large pure beige sofa, a shiny coffee table, and the floor tiles are also in the extravagant style of this era. The middle is all solid color, but the circle against the wall is covered with tiles with a rich golden pattern. There is even a billiard table in the living room, which is particularly popular now.

Then there is a revolving staircase, a corridor railing made of pure glass, and a railing handrail made of pure wood.

Excluding the 80-square-meter luxurious living room on the first floor, there are study rooms, bedrooms, guest rooms, toilets, kitchens, and everything else you need. There are all kinds of cabinets, paintings hanging on the walls, and all kinds of flowers in vases.

Jiang Bai and Grandpa Jiang looked at them without blinking.

If Grandpa Jiang's inner thoughts could be visualized, it would probably be the constant squawking of a woodchuck, shouting, "I've learned a lot. Oh my God, how can I, an old man, one day be able to visit such a luxurious house? Is this something an old man from the mountain village can see? I have to take a closer look so that I can brag to my old friends when I go home!"

Jiang Bai was mainly unworldly and was amazed by such 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 the time when he was still hungry last year, wearing shoes with worn soles that could only be supported by thick insoles, wearing the remaining trousers of Jiang Song who was patched and sewn, feeling dizzy and hungry every day, and living in a cramped room with Jiang Song since childhood, and sharing the same bed, fighting when sleeping. The other part was the luxurious and bright decoration in front of him, as if his world would never intersect, and he had never even dreamed of it, and dared not dream of it.

Both of them were tired of looking.

After viewing the first floor, Yang Meirong continued to take them to visit the second floor: "Please go this way, pay attention to the stairs, we will go upstairs to visit."

The decoration of the second floor is slightly simpler than the luxurious downstairs. It also has a study and bedroom, and each room has a cloakroom and a bathroom.

Grandpa Jiang was very interested in the whole process, and his face was full of "learning a lot".

Jiang Bai was in a daze the whole time.

Anyway, the two of them had the same feeling, that is, they were looking at other people's houses, which had nothing to do with them.

After they finished looking at it, the finance manager confirmed it with the bank, and the boss also negotiated a discount, and said to Jiang Xi, "Because you are our second brother, we are giving you the same discount, 95% off."

Jiang Xi smiled and thanked him, and said to Jiang Bai, "Second brother, you have to thank Brother Qian very much. Brother Qian's call has saved you a lot of money!"

Jiang Bai Still confused, he heard Manager Qian say to Jiang Xi: "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 Xi never acted as a guarantor for anyone, but now he simply nodded and said, "Okay." He didn't have much money.

Jiang Bai waved his hands and said, "No, no, no, no, I'm not buying a house, I don't need any guarantee!"

He tried to pull Jiang Xi out, but Jiang Xi pulled him to sit down, and smiled and said to Manager Qian: "Brother Qian, give me the contract."