Chapter 442 The Little Matter of Borrowing Money



Ning Xiyue realized that she still had the money that her elder brother used to send her from time to time. She kept a record of it and there was a total of six hundred yuan.

She originally intended to use this money to buy a house for her eldest brother. Since her eldest brother and sister-in-law liked this house today, she might as well give the money directly to him.

Ning Xiyue pulled her eldest brother aside, explained the situation, and asked him to give the money to her.

Ning Qingzhi firmly refused after hearing this.

"No, this was originally sent by my brother to you. Since you don't need it, it's your money. Big brother won't want it. Your sister-in-law and I thought about selling our house in Shanghai, and we can get enough money together."

Ning Xiyue heard about selling the house, but she couldn't do that. The value of the house over there would be no less than that of this one in the future. How could she sell it and then regret it?

I quickly pulled my eldest brother and said:

"Brother, the house over there can't be sold. My sister-in-law and her parents are all there. If you sell the house, what will they think? So, I'll consider this money as a loan to you. You write me an IOU and you can pay it back slowly in the future."

Ning Qingzhi was still hesitating whether to borrow money.

Ning Xiyue winked at Ji Yanming to come over.

Ji Yanming understood Ning Xiyue's thoughts tacitly. He also saw his brother's hesitation and his thoughts about the house. He walked over and patted Ning Qingzhi's shoulder before Ning Xiyue could say anything.

"Brother, if you really like this house, then buy it. Money is not a problem. I still have some money here. I can lend you whatever you need."

Ning Xiyue pulled her sister-in-law over and briefly talked to her about borrowing money.

"Brother and sister-in-law, most of A Yan's money is with me, so I have enough money. I have a particularly good idea here, listen to it."

Then, she looked at the two of them as they spoke seriously about an idea in their minds.

"Aren't you planning to sell your house in Shanghai? Mortgage it to me and I'll lend you money. You'll pay me a certain amount every month. You're renting out your house there, so you can use the monthly rent to repay the loan."

"Think about it. When you go to school and live on campus, and you come back to stay with your parents, we can use this new house to our full potential and rent it out. We have so many houses, and if we rent them out one by one, it's not a small amount of money. It's only a matter of time before we pay off the loan. This kind of guaranteed profit is more cost-effective than selling a house and buying another, isn't it?"

Ji Yanming looked at Ning Xiyue with admiration as she shone brightly while speaking. His heart and eyes were full of love. He stopped talking and stood silently behind her, providing support.

Ning Qingzhi suddenly understood: "Well, sister, you are really quick-witted. I admire you. This is a good idea. I will pay you the interest. This way, both of us can make money. What do you think, Jiayin?"

"I agree, thank you Yueyue." Song Jiayin smiled after hearing this, and felt relieved at the same time.

Ning Qingzhi thought for a moment and said, "Your sister-in-law and I did the math and we have a total of 2,000 and 700 yuan on hand. We're still short of 1,000 yuan. How about borrowing it from you at 6 yuan interest per month?"

"You can charge interest, but two dollars a month is enough."

Ning Xiyue did not refuse to collect interest, but she did not charge too much either. She just wanted to show her appreciation and consider it as a reward from her elder brother. As for the few hundred dollars, she could exchange it for material things and return it later.

"It's settled. Let's go over and talk about the price. Maybe we can get a lower price."

Ning Qingzhi nodded and agreed to negotiate the price.

Then they sat back in their original seats and chatted with the owner for a long time, finally getting the price down by two hundred yuan. Finally, Brother Ning bought the house for three thousand five hundred yuan, and he only needed to borrow eight hundred yuan from Ning Xiyue.

Now, the eldest brother’s house has been finalized, and only the second brother’s house is left.

You have to pay more attention. While the prices are the lowest now, it would be best if everyone in the family has a house.

Then the homeowner asked about the last unit, which was incredibly expensive: twelve thousand dollars.

There was a constant sound of people gasping for breath at the scene.

They all muttered, "It's too expensive!"

"If you really want to, we can talk."

The homeowner asked around, and everyone shook their heads.

Ning Xiyue was very fond of him, but she only showed a little willingness, giving people a weak feeling.

The price is a bit high, but the area is worth it. However, today is not the right time to talk to the owner.

So she also shook her head and said it was too expensive.

Unable to sell the house, the owner could only sigh with regret.

But he was already very happy that he had sold four sets this time.

In order to avoid any complications and unexpected events during the process, both the buyer and the seller unanimously decided to transfer the ownership now. Since the transaction money could not be received in time, they agreed to pay all the money by tomorrow at the latest.

So, they returned with a full load on this trip.

After the work was done, everyone else returned to the school guesthouse or went out happily to raise money.

Ning Xiyue and her siblings also returned home with smiles on their faces.

Before leaving, Ning Xiyue pulled the owner aside and talked a few words about the three-in-one courtyard house. The ambiguous words made the owner scratch his head and think.

Ning Xiyue didn't care and left after saying that.

After returning home, Yun Xiulan learned that her eldest brother had bought a house, and she was so happy that she ate an extra bowl of dinner.

In addition, I met my daughter's future in-laws today, and we had a good chat. I also got along well with Ji's mother and became friends.

I felt the best I've ever felt, and the smile on my face stayed on my face the entire night.

Her parents were happy, and Ning Xiyue was happy too. After returning to the house, she went into the space study to count the money.

First count out eight hundred and wrap them up.

Then count out the twelve thousand and keep them aside. Put the ten thousand yuan in one pile, and divide the two thousand yuan into two piles of one thousand and put them in two piles.

She still needs to bargain for the price of that house.

The next morning, Ning Xiyue went to find the landlord with her elder brother who had paid the final payment.

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