The cannon fodder in the substitute story tries to rewrite his life (6 chapters). Please add to your favorites...
Chen Xia currently has no plans to change companies, so when buying a house, her first consideration was to ensure it was close enough to her company.
Living a few hundred meters from the company, jogging or cycling to work is just so convenient.
Why not walk to work? Of course, it's because it's too late to go downstairs and there's not enough time. She only realized this after moving closer to the company; the closer she was to the company, the more likely she was to be late.
I always thought it was just a short walk, so I could sleep a little longer and it wouldn't matter if I woke up a little late. But every time, I ended up waking up too late, sometimes even skipping breakfast, and rushing out the door.
They plan to buy a relatively new two-bedroom, two-living-room secondhand apartment. The several residential complexes near their company were all developed around 2018, making it almost impossible to buy a bare-bones apartment.
After all, even if the original homeowner didn't buy the house to live in but rather to resell it after it appreciates in value, they wouldn't let it sit idle and gather dust. A simple renovation and renting it out is clearly more cost-effective.
Since learning that Shen Shuyue's life was not going well, Chen Xia has stopped paying attention to her.
She planned to use the Qingming Festival holiday, plus a few more days of annual leave, to visit the graves of the original owner's parents.
The original owner's father, Zhou Zhenyu, was a firefighter who died while fighting a fire. He was posthumously awarded the title of martyr and buried in the martyrs' cemetery in his hometown, Z County.
During the Qingming Festival, people flocked to the Martyrs' Cemetery to pay their respects.
Chen Xia mingled in the crowd, presented a bouquet of flowers to the original owner's father, whom he had never met, wiped the tombstone clean, told him that he was doing well, and told him to go and reincarnate in peace before leaving.
The original owner's mother, Xu Jing, had her grave in a public cemetery that she had purchased before her death.
Fortunately, she was prepared. According to the local custom of her maternal home, married daughters cannot be buried in their maternal family's ancestral graveyard.
Given her two sisters-in-law's stingy and miserly ways, if she hadn't bought herself a burial plot in advance, she probably wouldn't know where she would have been hastily buried in some obscure corner.
In addition to sending a bouquet of flowers, Chen Xia also burned a lot of gold and silver ingots at the county cemetery.
After sweeping the grave, Chen Xia went back to the orphanage, brought gifts, and visited the director and Aunt Wang as a way of saying goodbye on behalf of the original owner of the body.
Instead of returning directly to Shanghai, she took the address Ling Yi had found and went to the original owner's maternal grandmother's house.
Her grandmother was still alive, and apart from her poor health and the fact that her two sons and daughters-in-law were not very filial, she was doing quite well.
Looking at the old lady sitting outside the gate chatting with her neighbors, smiling kindly, Chen Xia felt a sense of irony.
She and Ling Yi exchanged a glance, then walked over and pretended to ask for directions: "Hello, ladies, we're from out of town and would like to ask how to get to Xu Jing's house?"
Chen Xia saw the original owner's grandmother suddenly tremble, and pretended not to hear clearly: "Huh, what did you say?"
The old lady next to her, sharp of hearing and sight, said, "She asked how to get to Xu Jing's house. Oh, is she asking about your third daughter? I remember your third daughter's name is Jingjing."
Chen Xia smiled and said, "The Xu Jing I'm looking for married a firefighter in S Province. After her husband died, she took her daughter and went back to her parents' home."
The old lady slapped her thigh: "Oh, old sister, we're looking for your Jingjing. Quickly ask this girl who she is to your family."
Could she be your granddaughter who was taken away by her grandmother? You know what, she does look a bit like your Jingjing!
The original owner's maternal grandmother glanced at Chen Xia tremblingly, hesitated for a moment, and asked, "My Jingjing died of illness many years ago. Whose child are you? What are you doing here looking for her?"
Chen Xia excitedly grasped her hand: "You are my aunt's mother! I've finally found you! My aunt is gone, so where is my little cousin?"
Years ago, my aunt took my little cousin back to her parents' home. Before she passed away, she sent my mother a letter saying that she was entrusting my mother with the pension left by my uncle, the property they had accumulated over the years, and my little cousin.
So many years have passed. I was passing through this area on a business trip, and my mom specifically asked me to visit my little cousin. Judging by her age, she should have graduated from university by now, right? Where is she working?
The neighbor's grandmother was stunned by Chen Xia's words: "You're a relative from Xu Jing's in-laws' side, right? No, not long after Xu Jing passed away, your little cousin was sent back to her grandparents to be raised by her uncle and aunt..."
Chen Xia's eyes widened: "Impossible! My cousin's parents passed away a long time ago, and he has no relatives left. Who would he have given the child to? Could they have lost the child?"
My cousin was a martyr, wasn't he? The government gave him a large sum of money in compensation after his death..."
The original owner's grandmother panicked under Chen Xia's questioning and didn't know what to do, so she simply closed her eyes and fainted. Chen Xia and Ling Yi exchanged a glance, and when Ling Yi helped the original owner's grandmother up, she casually stuck a puppet talisman on her.
After she slowly woke up, Chen Xia and Ling Yi had already made their successful retreat and quietly left.
The old lady next door has already spread the word throughout the street that the Xu family embezzled the compensation and property left by Xu Jing and her husband, and that they lost their child.
Although the original owner did not ask Chen Xia to take revenge on her maternal grandmother's family, their behavior really disgusted Chen Xia.
They embezzled the pension and property left by the parents, but then abandoned the child at the gate of the welfare home. What kind of thing would an uncle and aunt do?
I wonder if the old lady felt guilty when she woke up in the middle of the night and remembered her daughter's earnest instructions before she died.
The truth cannot be hidden by time. Since they were capable of such actions back then, they should now face moral and legal judgment.
Before coming, Chen Xia was still hesitant, wondering if it was appropriate to use an elderly person to sue her two sons and daughters-in-law.
But when she deliberately brought up Xu Jing and asked the original owner about her, she didn't see a trace of remorse in the original owner's grandmother's eyes. She only saw panic, panic and hatred when the truth was exposed.
The old lady hated Chen Xia for exposing the truth that her family had been hiding for many years.
Well, I'm sorry, but Chen Xia doesn't feel sorry about using the old lady to seek justice for the original owner and her parents.
Xu Lei and Xu Feng, a couple who had embezzled their sister and brother-in-law's hard-earned money and moved to the city to start a business, never expected that their elderly mother would cause such a huge mess when they woke up one morning.
A big news story recently broke in County X: an elderly mother sued her two sons and daughters-in-law.
They accused them of secretly taking her own grandson away and abandoning him more than 20 years ago.
The crucial point is that her granddaughter is the daughter of a firefighter who died while fighting a fire.
According to the old lady, her son and daughter-in-law not only abandoned the child, but also embezzled a large sum of money left by her daughter, including her son-in-law's compensation.
After her child went missing, she fell ill and forgot about it. Now she suddenly remembered and rushed to report it to the police.
The old woman cried her eyes out, begging the police to arrest her heartless son and daughter-in-law and interrogate them properly, and then find her granddaughter.
The old lady's story sounded very convincing, so the police had to investigate. And when they did, it turned out to be true.
Then they arrested Xu Lei and Xu Feng, the couple, and interrogated them separately. Before they even used the Great Memory Restoration Technique, all four of them confessed everything.
Based on their statements, the police contacted relevant personnel at the orphanage to understand the situation.
Every child taken in by the orphanage has a file. By checking the time they were abandoned by their original owners, we can find out which child it was.
After learning that the child they abandoned was Chen Xia, the good-natured Aunt Wang and the director were so angry that they slapped their thighs and cursed them as beasts.
Aunt Wang, who found the original owner, burst into tears as she spoke: "Officer, those beasts should have been shot."
You wouldn't believe it, but my Xiaxia was only two years old when she was abandoned.
I remember it clearly. It was snowing that day. The child was dumped at the door in the middle of the night, running a high fever, and only wrapped in a thin, tattered blanket. They had no intention of giving the child a chance to survive.
"Yes, yes, we called the police at the time. You can check the records. The doctor said that if it had been half an hour later, the child would not have been saved."
Tell me, if this isn't murder for money, what is it?
Our Xiaxia is a good girl. She is a top student from a 985 university. Although her salary is not high after graduation, she has donated two thousand yuan to the orphanage every month since she started working.
"Officers, this is such a good child, and the descendant of a martyr. You can't let her suffer like this forever; you must get justice for her."
While the original owner's uncle and aunt were on trial, Chen Xia, who had returned to work in Shanghai, received a phone call from the real estate agent.
He said there was a house nearby that had just been listed for sale, and asked if she was interested in going to take a look.
Chen Xia took two hours off and left early. She went home and, together with Ling Yi, arranged to go see an apartment with the real estate agent. It wasn't far at all, only about 300 meters from her current apartment complex.
The community is a high-quality, low-density community built in the style of a Chinese garden, mainly consisting of villa courtyards and seven-story elevator apartments.
The apartment that the agent showed Chen Xia was one of the smaller units in the complex. The property certificate showed an area of 123 square meters, with three bedrooms, two living rooms, and two bathrooms.
According to the real estate agent, "Don't be fooled by its small size; the usable floor area is exceptionally high, close to 90%."
After scanning, the all-powerful Lingyi whispered to Chen Xia that the agent's words were exaggerated, at most 85%.
Chen Xia nodded. It was already quite good. If it were a high-rise building, the usable floor area ratio would be at most 75%. This was already a conscientious community.
This house was originally delivered as a fully furnished apartment, but the owner later renovated it again, and it now has underfloor heating and central air conditioning.
The living room and bedrooms both have solid wood flooring installed later. While it may not be the best quality, it is from a reputable brand with guaranteed quality.
The master bedroom faces south and is a suite with an ensuite bathroom.
The apartment layout is quite good, both in terms of sunlight and ventilation.
After looking around, Chen Xia was very satisfied with the house. Especially the underfloor heating and central air conditioning; she wouldn't have to go through the trouble of making any modifications.
It's worth noting that winters in Shanghai are also very cold, due to the high humidity, often giving people a bone-chilling cold.
During the humid season from February to April, the house is damp everywhere. Turning on the underfloor heating can keep the indoor environment relatively dry and comfortable.
The homeowner is in a hurry to sell, because in the current economic climate, selling the house would mean losing money.
Compared to the previous asking price, the homeowner voluntarily lowered it by 500,000, offering a fixed price of 13 million.
After hearing the price, Chen Xia said, "You think too highly of me. A house worth over ten million! Even if you sold her by weight, you couldn't afford it."
Ling Yi knew how to cut to the bone, and quickly told Chen Xia that the down payment for a first home in Shanghai was now 30%. That meant she would first need to prepare a down payment of 3.5 million yuan.
She just did a quick calculation for Chen Xia, and after draining all the money he had saved in the system, he wasn't far off.
But then a problem arises: Chen Xia can only borrow a maximum of 650,000 yuan from her housing provident fund, and the rest must be financed through a commercial loan. Commercial housing loans have requirements, such as monthly payments not exceeding 50% of one's salary.
Her salary is only a little over 30,000 yuan, and her total monthly payment for housing provident fund and commercial loan is a little over 40,000 yuan.
Even if she applies to extend the loan term to 35 years, her monthly mortgage payment will still be 35,000 yuan, and the bank definitely won't approve it.
Or she could increase her down payment to lower her monthly mortgage payments, but she doesn't have enough money.
Another option is to find someone to share the burden, commonly known as a partner, but she's not willing to do that.
The real estate agent was quite understanding of her, after all, they were both struggling office workers: "It's okay, it's free to look around if you can't afford it. You can treat it as a stroll, and I can practice my talking skills."
Coming downstairs, Chen Xia sat in the community garden with the real estate agent and sighed, "Saving money to buy a house is too slow. I wonder when I'll be able to have my own place in Shanghai."
Hey there, if you know of any affordable accommodations, please let me know!
The real estate agent sighed, "You're much better off than me. At the same age, you can at least afford a down payment, while I haven't even scraped together a fraction of that!"
That evening, Chen Xia sat on the balcony, chin in hand, pondering how to quickly, legally, and reasonably raise enough money to buy a house.
She might be able to dominate the stock market, but that doesn't fit her public image; she's just an ordinary person. Auditing finance classes in university won't turn her into a genius.
The original owner had been trading stocks since she started working, basically maintaining a break-even level with small-scale operations. Is it realistic for her to suddenly become a dominant force?
The next day, Chen Xia went to the company listlessly. Several colleagues knew that she had left work early the day before to look at houses with a real estate agent, and they all asked her how it went.
Chen Xia sighed, "I can only say that the real estate agent thought too highly of me. The apartment she introduced me to was priced at 13 million. I don't need to tell you the result, right?"
Several people hugged her comfortingly: "It's okay, don't be discouraged. We're here with you. Anyway, we're all in the same boat, very stable in our poverty."
Thinking about it that way, it makes sense. If houses were so easy to buy, people wouldn't all be renting. Chen Xia felt instantly comforted.
Continue read on readnovelmtl.com
