My younger sister, Xiaoyun, explained the situation. The real estate developer had already arranged everything that needed to be provided, and they would handle it. We didn't need to worry about it. As long as the money arrived in the account on time, it would be fine. These were all ready-built houses, originally reserved by real estate developers in various regions for personal connections. The paperwork was already in place; all we had to do was pay and sign our names, and it would be done.
As long as you can prove you have the ability to repay, the bank can easily lend you several million.
After the three of them had explained things clearly, Xiaoyun immediately called and arranged to meet at the kindergarten director's house that evening.
The three people, carrying their child, two lobsters, and two crabs, took a taxi to Fang Yitong's home. Upon arrival, Fang Yitong's family was very hospitable, and the kindergarten director personally cooked a meal.
Fang Yitong led the three people to the study, where Fang Yitong's daughter, Fang Xiaoying, took the child and played with him. The child and Fang Xiaoying were not shy at all, indicating that the two families had a close relationship.
Fang Yitong took out a tea box, brewed a pot of tea, and poured it for everyone. Chen Hong looked at it and realized it was tea that her family had given her.
Fang Yitong smiled and said, "Don't be shy when you come to my house. We're all family here, so we won't treat you like a guest. You can call me Uncle Fang like your sister does! This tea was sent by Xiaoyun through you. We haven't even met yet, so I shouldn't accept your gifts. But this tea is truly one of my favorites. I couldn't put it down after just one sip."
Seeing that Fang Yitong spoke in a friendly and approachable manner, without any airs of a high-ranking official, Chen Hong thought to herself, "No wonder his family and my sister were so close for over a decade in my past life. It seems this family is indeed worth befriending."
Chen Hong bowed and thanked him, saying, "Then I will truly call you Uncle Fang, just like my sister and brother-in-law. Uncle Fang, I came to your door today for two reasons: first, to ask for your help with my sister and me buying a house; and second, to thank you and Director Jin for taking care of my sister Xiaoyun's family over the years."
Thank you so much! You've allowed my sister to feel the warmth of family even though she's far from our parents. Before she came, my parents asked me to convey their gratitude to you and your family.
Fang Yitong was very happy to hear this: "Go back and tell your parents that we have invited them to visit Beijing."
"Thank you, Uncle Fang. I will definitely pass on your message. I also invite your whole family to visit my home. My home is by the sea, where the climate is mild in winter and cool in summer, making it the most comfortable place for a vacation. Moreover, I am a fisherman and can treat you to the freshest seafood."
"Oh dear, speaking of seafood, the abalone and sea cucumber that Xiaoyun sent are too precious. Please don't send them again in the future. But you can send some tea!" He said, laughing heartily.
“I’m so glad to have this in your mouth. I picked wild tea leaves myself and roasted them myself. Uncle, I’m so glad you don’t mind the taste. If you run out, just give me a call. I don’t have any more. I can only pick a dozen or so kilograms a year, which should be enough for you.”
"You don't need so much, and you can't give me all of it."
After exchanging pleasantries, they got down to business. Fang Yitong immediately pulled out a map showing the distribution of available residential properties in Beijing and pointed out to the three of them the size of houses in each location, the price per square meter, and how many units each developer still had for sale, providing a detailed explanation.
After confirming that buying more properties wouldn't harm him, Chen Hong first pointed to properties owned by several real estate companies in Chaoyang District, Haidian District, and Fengtai District.
The properties Chen Hong was interested in were all newly built in residential areas. The apartments had reasonable layouts, were well-ventilated, and ranged in size from 70 to 120 square meters, making them ideal for a family of 3 to 5. The prices were all under 7,000 yuan per square meter, with some even around 3,000 yuan.
After Chen Hong finished sifting, Fang Yitong's eyes immediately changed. There were more than 10 houses of various sizes. Even with a loan, the down payment alone would be more than 2 million yuan. The monthly bank interest would also be tens of thousands of yuan. Is it possible to make money as a fisherman?
Fang Yitong was deeply puzzled. "Xiao Hong, you'll need over 2 million yuan just for the down payment to get the loan. Buying a house is easy; just make a call. But if you don't have the money, your Uncle Fang and your friend at the bank will be in trouble. A bad loan record can affect your friend's future."
"Uncle, we are already extremely grateful for your help in getting things done for us, and we would never dare to hold you or your friends back. To be honest, I can pay the money right now, but I still need to build a house at home. The village has approved 20 mu of land for me to build a small hotel."
We're developing tourism there, so I'll try to borrow half the amount. I don't mind the monthly interest; I can provide the bank with my bank statements for the past three months tomorrow to guarantee my repayment ability. Besides, I can catch seashells and dig for pearls, and if that doesn't work, I can dig up some pearls to sell.”
The brother-in-law couldn't hold back any longer: "Sister, you talk like the ocean is your own home, and you can dig up pearls whenever you want!"
Chen Hong couldn't help but laugh: "Your sister is a good swimmer. While I'm still young, I'll work hard for a few years, buy a few more houses, and after six or seven years when I can't work anymore, I can live off the rent and be a landlady."
Fang Yitong said in surprise, "Then you're not doing the kind of work that pearl divers do in the legends? You must be a very good swimmer! But that kind of work is too dangerous. I heard it can easily damage your health. You've bought enough houses to support yourself in your retirement. You shouldn't push yourself too hard. You must be careful."
Chen Hong said gratefully, "Uncle, I can only work hard for these few years. In a few more years, I won't be able to do it anymore. Diving is not only a technical job, but also a physically demanding one. You may have heard about my situation. Men can't be relied on. I can't do it without working hard myself!"
"Hey, you're a brave and good girl, Xiaoyun. What about you two? How do you want to buy it?"
The younger sister said, "We want to buy two sets, and we need your support of 200,000 yuan."
Chen Hong nodded: "I agree to support you, but some things need to be said. You two need to give me an IOU with both of your names on it. Brother-in-law, you don't have any objections, do you?"
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