Not only was Lü Ziqun startled, but the other classmates were also shocked. They all looked at Ye Qingqing with astonished expressions. Lü Ziqun's mouth was agape, unable to believe her ears. Such a wonderful thing had just fallen on her head.
The woman who had lent money earlier reacted more quickly, giving Lü Ziqun a hard shove and saying happily, "Ziqun, why don't you thank Qingqing? You don't have to worry about buying a house anymore."
The others also realized what was happening, and they all expressed their envy of Lü Ziqun. They wished they had borrowed money from Ye Qingqing when they bought houses, but back then Ye Qingqing never attended class reunions, was not in the class group, and didn't even know her phone number. They couldn't find her if they wanted to.
Lu Ziqun then came to her senses and, somewhat embarrassed, stammered, "A three-bedroom apartment would have to be at least 100 square meters, and the down payment would be even higher, at least 500,000 yuan. I would need to borrow 250,000 yuan. Let's buy a smaller one instead."
She was afraid she wouldn't be able to pay off her debts. Her annual salary, including bonuses and various other benefits, amounted to less than 80,000 yuan. She sent 500 yuan to her parents every month, spent 500 yuan on food, had to cover social obligations, and bought clothes and other necessities. She could only save 40,000 yuan at most each year, and it would take at least six years to save 250,000 yuan.
Moreover, after buying the house, she still has to pay the mortgage every month. If you calculate it like that, six years won't be enough; it will take at least ten years.
She really didn't dare to borrow money for ten years, and she was also afraid that Ye Qingqing would be unhappy.
Although Ye Qingqing was somewhat impulsive, she didn't regret it. It was only 250,000 yuan. Even if she gave it to Lü Ziqun, it wouldn't matter. But of course, she wouldn't give it to him, and Lü Ziqun wouldn't want it either. Lending it to her would be fine. It could also curb Sun Yurong's arrogance. She was so smug that she didn't even know who she was anymore just because she had a little money.
What infuriated her even more was that this woman already knew Yu Shaoning was Lu Ziqun's husband, yet she showed no restraint whatsoever. During dinner just now, she and Yu Shaoning were exchanging glances and flirting, which others didn't notice, but she saw it all clearly, shamelessly.
“There’s not much difference between 250,000 and 150,000. Since you’re planning to buy, buy a big house in a good location so you don’t have to upgrade later. I’m better off financially than you, so I can come up with 250,000. You can pay it back whenever you want, but you have to write an IOU,” Ye Qingqing said with a smile.
Others also advised Lü Ziqun.
“If Qingqing is willing to lend you money, then buy a bigger one. Let me tell you, a big house is much more comfortable than a small one. The two-bedroom apartment I used to rent was only 60 square meters, and it was so cramped. So when I bought a house, I was willing to borrow money to buy a bigger one. Now it’s 120 square meters, with four bedrooms, two living rooms and a balcony. It’s so refreshing. Even if guests come, they can stay. We don’t have to waste money on hotels.”
“That’s right, the first house should be big. Don’t think about changing later. Changing houses is not so easy. We are not like Sun Yurong who makes money easily and can get a big villa just by getting a divorce. Every penny we have is saved by our own efforts. We should work hard to buy a big house for the first one, and then we can focus on paying off our debts. We will not change houses until we get rich.”
Everyone shared their own experiences to educate Lü Ziqun, while also taking a jab at Sun Yurong.
Lu Ziqun softened again. What her classmates said made sense. A big house is definitely better than a small house. She had no way to borrow money before, but now that Ye Qingqing was willing to help, she owed her a big favor and would find an opportunity to repay her in the future.
Dong Siyue also said with a smile, "Don't worry, Qingqing has money. She can easily take out hundreds of thousands. Ziqun, don't take it to heart. I think we should still pay interest. Pay it according to the bank savings interest rate and write it clearly on the IOU."
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