Chapter 405 Apply for a Credit Card
"Bought them all? What does that mean?" Huang Tingting didn't quite understand.
Han Shurui glanced at his parents and asked in a low voice: "Mom and Dad, let me ask you, how much savings do we have now?"
Huang Tingting became alert when she heard this. She glanced at her son and replied, "Why are you asking this, little kid?"
"Mom, what are you looking at? I'm your biological son, and you don't trust me?" Han Shurui was speechless. Why was she looking at him like a thief?
Han Shirong patted his wife and whispered, "That's right, Tingting, Shurui is older now, it's okay to tell him."
Huang Tingting paused and explained a little embarrassedly: "I just reacted subconsciously. Well, we've been spending a lot these years, and we can barely save about 200,000 yuan! Why are you asking this?"
"Well, Mom, don't worry about this for now. Let me ask you, how much did you borrow from my great aunt?" Han Shujun had an idea in his mind, but he didn't know if it would work.
"Two hundred thousand. Your aunt-in-law lent me two hundred thousand."
"Twenty plus twenty equals four hundred thousand. Mom and Dad, listen to me. So, let's buy the 120-square-meter and the 90-square-meter house first. The down payment for one is 151,200, and the down payment for the other is 113,400. The total is 264,600, which is enough." Han Shurui took out a calculator and did some calculations, and finally handed the written paper to his parents.
Han Shirong took the paper and looked at it. After thinking for a moment, he replied, "Then how much do we have to pay back per month?"
"You have to ask the bank to calculate this. It will probably be less than 3,000 for two sets!" Han Shurui was not very sure. After all, he did not study finance.
Huang Tingting waved her hands when she heard the number three thousand. "No, no, your father's hardware store only makes about three thousand a month. Can our family not make a living?"
"Mom, don't we still have about 200,000 yuan in savings? Think about it, the housing prices are rising so fast now. If we buy now and sell it next year or the year after, can we make a lot of money?"
"How much can I earn? The capital is also huge!" Huang Tingting was still reluctant. In fact, if she had the money, she should pay the full amount as she said, so as to avoid the bank earning all the interest.
Han Shurui immediately started writing on the paper again, saying as he wrote: "Look, Mom, now it's 4,200 per square meter, so next year it might be 6,200 or 7,200. There's only a difference of 2,000 or 3,000. So a 120-square-meter house can make more than 200,000, or even more. Just think about it, how many years will it take for our dad to make back the money?"
"Hey, wait a minute, hiss, now that you mention it, it seems to be true!" Huang Tingting reacted, oh, then it's really a sure win.
"Yes, in big cities like Hai City, the housing prices will only go higher, so it's a steady profit." Han Shurui has now realized the meaning of real estate speculation. Although he has no capital, he still has ways.
"So, Mom and Dad, you have to buy it as soon as possible. There are some places where the house prices are lower. I think you can also take a look at those places."
Han Shirong glanced at his wife and clapped his hands, "Tingting, just listen to Shurui. He has been to college and has experience."
Huang Tingting was also excited at this moment, nodding repeatedly, "More, buy, buy tomorrow."
Liu Dan still felt something was wrong after returning home. She looked at her husband suspiciously and asked, "Shixin, the second brother and his wife haven't been much richer than us in these years. How come they have the money to buy a new house? Did they borrow money from someone?"
Han Shixin was stunned. "Who are you going to borrow from? It's not us anyway."
"Oh, my aunts! Do you think the second brother and his wife borrowed money from my aunt and second aunts?" The more Liu Dan talked, the more suspicious it seemed. Otherwise, how could they have the money to buy a house?
Han Shixin glanced at his wife and asked helplessly, "Even if you borrow money from your aunt, what do you want to do?"
"What should I do? We should treat everyone equally. We will also borrow money from my aunt and second aunt." Liu Dan said as if it was a matter of course.
"Oh," Han Shixin laughed, "Then what's your excuse?"
"Buy a house. Let's buy a house for Shujun too. I would have forgotten if you hadn't mentioned it. After Shujun gets married and has children, this house will seem too small. We need to buy a new one."
At this time, a small crack appeared in Han Shuyao's room, and a pair of eyes inside were staring at the two people in the living room.
In Shenzhen Stock Exchange, Jiang Xinhong sighed after hanging up the phone.
"What's going on?" Han Shan couldn't help feeling confused when he saw his wife sigh after answering the phone.
"What's wrong? It's the eldest couple. Yaoyao called just now and said that her parents are planning to ask Xiaobai and his family for a loan to buy a house! They also said that the second brother and his family have borrowed money, and they should treat everyone equally. It makes Xiaobai act like their mother-in-law. She has never heard of treating everyone equally when borrowing money." Jiang Xinhong got angry when she said this, feeling sorry for her younger sister.
"Tsk, we need to tell Xiaobai about this in advance, otherwise she will think we are taking advantage of her!" Han Shan's face also looked a little bad.
"Well, I'll go find Xiaobai now."
…
That day, Han Shurui and his classmates were leaving school and preparing to go to dinner when they saw a young man standing at the street corner handing out flyers. He paused, turned around and asked, "Handsome guy, anyone can get this credit card?"
The young man handing out flyers saw that someone was interested, so he quickly pulled Han Shurui aside and said, "Of course, of course, as long as you show your ID card, we can get it done. It's just a matter of the amount. The minimum is two thousand."
"Shurui, don't believe this. My dad said that this is all a scam to trick people into spending money in advance. If you can't control it, you will lose money." The classmate pulled Han Shurui, fearing that he would be cheated.
The young man was unhappy when he heard this, "Hey, what are you talking about? How can you be a liar? Let me tell you, it's the same in European and American countries. This is called enjoying in advance, and it's what smart people do."
"Hey, this is called a consumption trap. It will be miserable if you can't pay it back."
Han Shurui waved his hand and said, "It's okay, I'll just take a look and I'll take one and leave."
"Okay, handsome guy, if you want to apply for a credit card, you can come to me. There are discounts." The young man winked at Han Shurui and said.
Seeing that Han Shurui actually accepted the promotional paper, the classmate couldn't help but ask with some concern: "Shurui, you're not really going to apply for a card, are you? I'm telling you, credit cards are really unreliable. You'll spend a lot without realizing it. My cousin was like that. He soon had a hole in his bank account that he couldn't stop."
Han Shurui patted his classmate on the shoulder and consoled him, "It wasn't me who did it, it was a relative at home. I happened to see it and took one back."
"Oh, it's okay if you don't do it."
After dinner, Han Shurui returned home and slapped the credit card promotional paper in front of his parents, and said with a smile: "Mom and Dad, let's go apply for a credit card together tomorrow."
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