That evening, He's father, accompanied by Zheng Juan, took He Wenjun to meet Mr. Liu, the landlord of the house on Shi'an Road.
He Wenlin was right; there wasn't much room for the price to drop. Even after the price was reduced to a few cents, Mr. Liu refused to lower it any further.
He Wenjun quickly called He Wenlin, just as she was finishing her evening self-study session.
It was only a few hundred yuan higher than He Wenlin's estimated transaction price.
“It’s a good buy. The property prices in this area will definitely rise in the future,” He Wenlin said.
Although the apartment is only about 30 square meters, that's the usable area, so it's perfectly fine for renting out.
If you were to rent it out now, the rent would be 300 yuan, because this house is in a good location and is relatively new. Most other second-hand houses are dirty and messy, but this one is not.
"Okay, then I'll talk to my uncle."
After hanging up the phone, He Wenjun lowered his voice and said to his father in dialect, "Uncle, Linlin said it's okay to buy it."
After He Wenlin said that, He's father immediately paid a deposit of two thousand yuan, and the transaction was initially agreed upon.
I'll pay the money and complete the transfer of ownership in a few days.
The main problem is that He Wenlin doesn't have enough money right now; she's waiting for the payment.
The following afternoon, Wankelai returned 530,000 yuan in payment for the goods.
He Wenlin was incredibly excited when she received Zhang Shishi's call.
With this sum of over 500,000 yuan, she was finally able to get out of her immediate predicament.
He Wenlin instructed Zhang Shishi to immediately transfer 80,000 yuan to the construction team building the factory and another 30,000 yuan to the contractor building houses in Caijiang Village.
He Wenlin doesn't pay more than the agreed amount at a time, because she's afraid the contractor will abscond with the money.
However, they only stated publicly that they were experiencing a shortage of funds.
He Wenlin also asked Zhang Shishi to transfer 40,000 yuan to her second brother's salary card.
My second brother has 9,000 yuan in his bank account, including his salary and the money he earned from setting up a stall during the Spring Festival.
He Wenlin transferred 40,000 yuan to him, which was just enough to pay the agency fee and the house price.
Yes, He Wenlin plans to help her second brother buy this house outright!
He is underage and cannot get a loan; only his uncle can lend him money.
If my uncle takes out a loan, the house will have to be registered in his name. Once it's registered in his name, the ownership of the house will become unclear, since my uncle has two sons!
You can tell just by looking at Xia Lijuan's expression.
Let's hope the two brothers don't fight over the house in the future.
Besides, my uncle is still young; who knows if he will remarry?
Human nature cannot withstand the test.
So He Wenlin simply helped her second brother get the house. The 40,000 yuan was deducted from his salary, plus the rent, which would probably take about two years to pay off.
However, He Wenlin hasn't told her second brother about this yet.
Grandma He knew that He Wenlin had considered so much for He Wenjun.
She privately approached He Wenjun and said to him, "Buying a house is a big deal. Grandma doesn't have much to give you, so this two thousand yuan is to support you. Take it."
"Grandma, I don't want it, you can keep it for your flowers."
“When Linlin opened her shop, I gave her a little money. Now that you're buying a house, I'll support you. If your brother buys or builds a house in the future, I'll give him two thousand. That's all I can give him.”
"Grandma, you really don't need to give me any. Linlin said she'd give me an advance on my salary. I have enough for the down payment, so I'll listen to her. We'll take out a 20-year loan, and the monthly payments won't be much. My salary is enough. Besides, I can rent it out and collect rent. Grandma, you really don't need to give me any."
"Linlin told you that she would give you three months' salary in advance to buy a house, but that's only because there are many people involved. You are her brother, and she treats you differently. She doesn't plan to let you take out a loan; she wants to pay the difference for you."
"Huh?" He Wenjun's eyes widened in surprise!
Grandma He explained, "She was short of money a while ago, and her salary was scraped together from various bank accounts, so she didn't tell you. Now that the supermarket has paid her back, she had the finance department transfer 40,000 yuan to your salary account so you can buy a house outright. Xiaojun, Linlin treats you like her own brother, so you can't do anything to betray her."
"Grandma, what are you saying? Do you think I'm that kind of person?"
"She didn't let you take out a loan, do you know why?"
Without thinking, He Wenjun blurted out, "Help me save on interest?"
"That's only one aspect."
"On the other hand?"
Grandma He hesitated. She didn't know whether she should say those words or not, and whether saying them would affect the relationship between the brothers.
After much hesitation, Grandma He still told the truth: "The mortgage on the house has to be in your father's name, otherwise things will get complicated. And what if your father remarries in the future? So, buying it outright can save a lot of trouble. But you must remember how good Linlin is. Even your own brother might not do this. She really thought of everything for you."
He Wenjun was deeply moved and it took him a while to say, "Grandma, I know everything, don't worry."
Grandma He: "You must keep this a secret and not tell anyone. Linlin has so many cousins here. She bought it for you but not for anyone else. If you spread this around like a loudspeaker, you'll only cause her trouble."
He Wenjun suddenly felt like he was being favored by his younger sister. Hey, that feeling was really great!
"I understand, I won't say anything." He Wenjun grinned widely, looking like a complete idiot.
That night, He Wenjun didn't sleep. He waited for He Wenlin to come back so he could thank her in person.
He Wenlin rolled her eyes at him: "Don't think that thanking me means you don't have to pay me back. Let me tell you, I won't pay you a single penny of your salary from now on. I'll only start paying you back when the money is paid off!"
He Wenjun nodded repeatedly: "Of course, of course."
...
On Wednesday, the more than 300,000 yuan from the supply and marketing cooperative supermarket also came back.
He Wenlin quickly contacted Manager Wang from the bank and Xiao Zheng from the credit union.
Because He Wenlin had to go to school, she arranged to talk with one of them during lunch break and with the other after school in the afternoon.
Based on He Wenlin's current income and bank statements, she has borrowed 500,000 yuan from the bank and 800,000 yuan from the credit union!
However, the money won't arrive so quickly; it'll probably take two weeks.
But there's a high chance the money will come through!
Thinking about the 1.3 million yuan that would soon be coming in, He Wenlin couldn't stop smiling excitedly.
When Grandma He and Grandma He came out of the bank and credit union, their legs were weak.
Mrs. He said worriedly, "With so much money, how will we pay it back if we lose it?"
"What are you afraid of?" He Wenlin said confidently. "I can earn this much money in half a year by selling things that cost only one or two yuan at a street stall. What do you have to worry about?"
He Wenlin is very confident.
Because the real estate market is expected to remain strong for another decade or so.
Even if it's built and not sold, it would be excellent to rent it out.
Mrs. He sighed, "Actually, we didn't need to take out such a large loan; half would have been enough."
"That's definitely not enough. The fast food restaurant alone will cost at least 150,000, not to mention the factory. With such a large area, the renovation alone will cost hundreds of thousands. And once the new factory is up and running, we'll have to add equipment, which will cost money. We'll also have to buy another car. We'll have to spend money everywhere."
All things considered, He Wenlin felt that she still didn't have enough money to get into real estate. Sigh, she still had to take it one step at a time.
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