Xia Lijuan was unable to calm down for a long time.
She then recalled that when she was talking about building a house at home in early January, she asked He Wenjun for money, but He Wenjun, who had money, did not lend it to her.
The more I think about it, the more upset I get.
He left the fast food restaurant with a livid face.
When they left, they even called He Wenhua out with them.
He Wenhua reluctantly followed, saying, "Why did you call me out? Everyone's talking inside."
He Wenhua wanted to hear more.
"What does it have to do with you, someone who has no money, what we're talking about inside?" Xia Lijuan said sharply.
He Wenhua also suddenly got angry: "Why are you throwing a tantrum for no reason? Are you sick in the head!"
"I must be sick to have married you. Your brother can afford to buy a house now."
"That's great, he saved it himself." Although He Wenhua was envious, he was also genuinely happy for his younger brother. He was also thinking about working hard this year to buy a house, otherwise it would be too embarrassing.
Xia Lijuan was furious at He Wenhua's attitude and said, "During the Spring Festival, I borrowed money from your brother to build a house, and your brother didn't even mention it."
"Can you stop eyeing other people's money? My brother said he could lend us some. Are you deaf or have a bad memory? My brother only spends fifty yuan a month. How much do you spend a month? If you can do that, we can take out a loan to buy a house in a year."
Xia Lijuan was speechless for a moment, then angrily said, "So you're blaming me for not having money now?"
"Who blamed you? Is that what I meant?"
Xia Lijuan turned around and went into the garment factory in anger, ignoring He Wenhua.
He Wenhua also found her unreasonable and turned back to the fast food restaurant.
...
In a fast food restaurant.
He Lanying and He Yongping didn't really want to buy a house here. Mainly, He Lanying didn't want to, but He Yongping felt that it didn't matter whether they bought one or not. The child wanted to buy one, they had the money to buy one, and others had already bought one, so they might as well buy one. All four members of the family worked, so they could afford to buy a house no matter what.
Lin Fei: "Mom, look, Uncle, Xiaojun, and Linlin all bought some, so let's buy some too."
"But our house in our hometown hasn't been built yet, so we still have to go back eventually."
“We only go back to our hometown a few days a year, right? We can build another one when we have more money. I’m still so young. Linlin said she’ll make me the head chef when we open a new restaurant, and I’ll get a raise then. What’s there to be afraid of? I don’t care, I’m going to buy it! If you don’t agree, I’ll just spend the money. Anyway, I can’t buy a house.”
Lin Fei started to cheat.
Hearing this, He Lanying was furious and chased after him to hit him.
He Yongping pulled He Lanying aside and said with a smile, "Sister, forget it, just go along with him. At least he can work hard now. It's good that he bought a house. He has to pay back the bank every month, so he can't afford not to work hard."
These words struck a chord with He Lanying, who realized that her son had changed completely since coming to live with He Wenlin.
As a mother, she was naturally pleased.
Instead of spending the money, he should have bought a house; at least he would have a place to live.
He Lanying sighed and said, "Alas, children are all a debt."
This means you agree to buy.
Lin Fei laughed so hard his eyes disappeared.
He Lanying glared at her son and said, "If you buy it, I won't pay off the loan for you. You'll have to pay it off yourself."
Lin Fei chuckled foolishly: "Okay, I'll pay it back myself."
“But that house is too small; it’s difficult to even turn around,” He Lanying said.
He Wenlin: "You can buy a big one if you have enough money. If you don't have enough money and don't want to live there for the time being, then buy a small second-hand house. You can rent it out as soon as you get the house and use the rent to pay off the loan. Try to take out a loan for as long as possible."
He Yongping: "Then you'll have to pay a lot more interest."
He Wenlin explained, "Although longer-term loans result in higher interest payments, money is becoming less and less valuable, or more precisely, its purchasing power is declining. Ten years ago, how much could you buy with ten yuan? Look at it now."
If you take out a loan of 50,000 yuan now, for a 20-year term, and assuming an interest rate of 6.2%, you'll only have to pay a little over 300 yuan a month. That's not a big burden for you right now, since Lin Fei earns over 1,000 yuan a month.
If you take out a loan for five years, the repayment will be a burden. Once your salary is used to make the monthly payment, you won't have any money left over. If you need to do something, you won't have any money on hand.
You can take out a 20-year loan first to ease the financial burden, and then pay it off in one lump sum later when you have the money.
“Mom, we’ll listen to Linlin,” Lin Fei said. “Linlin is more capable than any of us, and she’s more knowledgeable. We can’t go wrong by listening to her.”
He Wenlin continued, "If you don't like that house, you can buy a bigger and better one, but I think a small second-hand house has more investment value."
Buying this kind of house gives you a chance to get a relocation compensation. Even if there is no relocation compensation, most people who come out to work and need to rent a house will choose a small old house. Houses in proper communities are expensive and only high-income people can afford them. Ordinary people can't afford them.
After listening to He Wenlin's words, He Lanying and He Yongping decided to take another look.
Buying a house is a major life event. It may require emptying your bank account and even borrowing money to make a down payment, so it's true that you need to do a lot of research and consideration. He Wenlin understands them.
He Wenlin said that if they didn't buy the sets they were looking at, she would make a purchase.
"You want to buy more?" He Yongping and He Lanying looked shocked. "Didn't you already buy two properties?"
“I bought it as an investment,” He Wenlin said. “After I buy the house, it’s a two-bedroom apartment, and I can earn at least two hundred yuan a month in rent.”
Although these houses are also in XX Village, they are in a better location and have everything they need, which is different from the rural area where He Wenlin lives now. So even though the houses there are much smaller, the rent is about the same as here.
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