Chen Xiaoying suddenly realized: "Oh, I understand. She must have been rich at that time, and she didn't care about your aunt's old house at all, so she let it go. Now she comes back and wants to occupy it, because she is short of money in the United States."
It turns out that Wang Hongxiu, who claimed to be married to an American and a rich person who looked down on everything in the small county, was actually a poor real estate speculator in the United States.
"Grandma, I think the matter is a bit serious. If she can't pay the loan, the house will be taken away by the bank and all her investment will be wasted. That's not all. She still has to continue paying back the money. She will be heavily in debt, the kind that she will never be able to pay off in several lifetimes." Li Yutong said.
"Oh my God, what's the point of living like this?" Chen Xiaoying felt overwhelmed just by listening to this. She didn't dare to eat what she wanted to eat, nor wear what she wanted to wear. She had to live frugally to maintain the basic food and clothing. And then every penny she earned would be taken away. Isn't this just a money-making machine?
What's the point of this person living?
Chen Xiaoying is a decent person. She would borrow half a bag of salt from her neighbor and when she returned it, she would always give it two tomatoes and two cucumbers.
She didn't want to owe anyone, especially someone who lent her something out of kindness. She didn't want to ruin the friendship that money couldn't buy.
"It's all because of greed. For mortgages like those of my second and third uncles, the family has income and only needs to support one house. After paying the mortgage, they can still continue to live. This is the way normal and rational people live." Li Yutong said.
She also told her grandmother Chen Xiaoying about the situation of real estate speculators in the United States today.
In order to obtain profits, banks have invested in a large amount of real estate. In order to sell the houses, the salesmen below have used all kinds of tricks to make a large number of people who have no food to eat borrow money from the bank by using false professional income information, and use the money as a down payment to get the house.
At the beginning, when housing prices were rising, as long as they bought a house and resold it, these poor people would make a lot of money. So everyone followed suit and took out loans to buy houses and then sell them.
Some people are so good at buying houses that they will continue to buy houses as long as they have enough money for the down payment on the next house.
Push up housing prices to a level that ordinary people cannot reach, and then you will find that fewer people are buying houses. With fewer people buying houses, the sellers won't be able to repay the loans on those houses. What can they do if they can't repay the loans? They can only sell them at a low price.
Once this sign appears, it will cause market panic, followed by a sharp drop in housing prices. Homeowners will be unable to sell their houses and will not be able to repay bank loans. Bank deficits will increase and the losses will become increasingly larger.
Then the financial crisis came, and many people went bankrupt, lived on the streets, and even committed suicide by jumping off buildings.
Wang Hongxiu might be one of the real estate speculators. She should be unable to take over the house now. In order to prevent her house from being taken away by the bank, she returned to her hometown after 20 years to take over her adoptive mother's house.
“People have to pay attention to the quality of life. When life reaches a certain level, a comfortable life is enough. It doesn’t matter how much money you make.” Chen Xiaoying suddenly remembered a new word she had come across by accident, called a slave to money.
Money makes people happy, not unhappy.
She feels that her life is pretty good now. She is taking steady steps and working hard at her job, instead of dreaming about making a lot of money through investment.
"I heard that your second uncle is planning to recruit people to do business together." She thought of her second son-in-law Xu Xiaodong who was always thinking about high investments.
Li Yutong snorted: "In his previous life, I heard that he was a contractor and a decorator, but in the end, he was still poor. I don't know what he did."
Her sons, the second son Li Hongjian, the third son Li Hongqiang, and the fourth son Li Honggang, although they were all migrant workers looked down upon by city dwellers, but they received a salary every month, spent part and saved part, so they were able to save money.
But Xu Xiaodong never gave much money to the family in his entire life. Her second daughter cried and complained, but at the same time she was willing to live with Xu Xiaodong.
"Let's not worry about it for now. I just hope that your second aunt can give birth to the baby safely and that both mother and daughter are safe," she said.
Li Yutong nodded.
They both knew that in her previous life, Li Hongli gave birth to Xu Xiaoni, a girl who was disliked by the Xu family.
After Li Hongyan returned home, she thought of her always kind cousin Su Wanping, who had severed her mother-daughter relationship with Ma Hongxiu. It was a horrible severance, leaving her with nothing.
What about her?
Her mother Chen Xiaoying is much more cold-blooded and ruthless than her cousin Su Wanping.
"Wuwuwu." She felt heartbroken. She remembered what her mother said to her: What do you think is the difference between you and Wang Hongxiu?
In her mother's eyes, she was actually the same person as Wang Hongxiu.
This is so hurtful.
Li Hongyan kept crying at home, and Zhao Faliang had no idea what was wrong with her: "Why are you crying? What's wrong?"
Li Hongyan had no one else to complain to so she could only cry and tell everyone what had happened in the county.
Zhao Faliang was surprised to hear that Ma Hongxiu didn't get a penny. "Really? Isn't that a bit too much? After all, she is her adopted daughter."
Zhao Faliang didn't know the situation, so Li Hongyan said directly, "What adopted daughter? If we don't have any biological children, and we adopt a daughter, and Ma Hongxiu, no, now my cousin is going to cut off all ties with her, and call her Wang Hongxiu all the time. If the adopted daughter we adopt is like Wang Hongxiu, can you bear it?"
"I worked so hard to raise her and send her to school, but she left the country and hasn't been heard from for 20 years. When she came back, she wanted to sell the house and land. She didn't want to, so she slammed her head against the door with her elbow and went straight to the hospital. While she was in the hospital, she took her biological parents to her adoptive mother's house to clean up the mess. Is she still a human being?"
The more Li Hongyan felt that Wang Hongxiu was not a human being, the more she felt that her mother was scolding her for being the same as Wang Hongxiu, and she felt wronged: "My mother said that I was the same as Wang Hongxiu, how could we be the same? I am her biological child, and I did not bring anyone to her house to ransack it."
"I'm not such an ungrateful person. My family has a lot of money, but I have never thought of defaulting on my debts. When I have money in the future, I will definitely pay it back."
Zhao Faliang listened, but surprisingly, he didn't feel anything: "There are all kinds of people in this world. What's going on now? She didn't give her property to her adopted daughter, so who did she give it to?"
Li Hongyan did not hide it: "Half was given to Ma Guoxi's family, and the other half was actually given to my mother."
Li Hongyan is a greedy person, but most of the time she only asks for favors from her mother's family, and she feels at ease doing so. After all, as a family, we should help each other.
But she never dared to think that she could make some money from outsiders.
In the village, everyone is poor. If you pick a watermelon from someone else's field to satisfy your craving, without saying a word, the person in the field will curse your ancestors. What's more, if it's a house, her cousin directly gave half of it to her mother.