Chapter 101 Courage
Busy days always pass quickly, and National Day is here in the blink of an eye. This day is also the day when Phase II of Hua'an Garden goes on sale.
The houses in Hua'an Garden were selling well, and Lin Ting's family wanted to choose a good apartment and buy the house as soon as possible, so they rushed to the sales office of Hua'an Garden with their two daughters and son-in-law (future son-in-law) before dawn.
It was still early and the sun had not yet come out. The morning breeze blowing on my face was particularly comfortable. Although the sun was scorching hot during the day in October in Pengcheng, it was still a little cooler in the mornings and evenings.
When we arrived at the sales office, there were only about ten people queuing in front of us.
After seeing this, Lin Qiu quickly stood behind the team and said, "Hurry up and book a house while there are few people!"
The other four people quickly followed.
There are a total of ninety-six houses in the second phase. There is a constant stream of people queuing up behind the queue. Judging from the current situation, there is still no problem selling them.
It is always beneficial to come early.
For example: good orientation, good floor, good apartment type.
Each building has two units, six suites on each floor, eight floors in total, and a total of fifteen apartment types to choose from.
Among the fifteen apartment types, the main ones are two-bedroom and three-bedroom, but there are slight differences in orientation, layout and size.
Everyone can more or less tell the good from the bad, so getting it early still has a big advantage.
"First, exclude those like 02 and 04 that are in the middle!" Lin Ting spoke first.
Wang Xiuren then explained: "Being stuck in the middle is a bit frustrating."
"What about Room 303 in Building 2?" Yang Zhefeng asked, pointing at the floor plan.
Lin Qiu knew that the best floors in a staircase house were the third and fourth floors, hence the saying "third is gold and fourth is silver".
She looked at the floor plan of Floor Plan No. 03 hanging high up and nodded, "Okay, I think this floor plan is pretty good!"
The 76-square-meter two-bedroom apartment is not open from north to south, but the overall lighting and layout are impeccable.
Lin Ting and Wang Xiuren also agreed.
Lin Ping and Yang Zhefeng followed the staff to calculate the price and pay the down payment.
Although Hua'anyuan's advertisement in the newspaper says that the price is 2,348 yuan per square meter, this actually refers to the price of the first floor and the top floor. The price of high-quality floors such as the third and fourth floors is more than 100 yuan per square meter.
So the actual price of this small two-bedroom apartment of 76 square meters is 186,000 yuan.
"Then we'll pay a down payment of 100,000 yuan first, and then take out a bank loan for the rest," said Yang Zhefeng.
The savings of the two of them, plus the wages of the past few months and the money earned from selling popsicles, as well as the 10,000 yuan supported by Yang Zhefeng's parents and the 5,000 yuan borrowed from Lin Ting, just made up the total.
The staff took the two people to the side to sign the house purchase contract, and Lin Ting also carefully checked the developer's relevant documents.
Then, Yang Zhefeng took the down payment from the bag that Lin Ping was holding tightly in his arms, and stuffed the receipt into the small bag inside the bag.
After the staff put the money into the safe, they took Yang Zhefeng and the other two to the staff of China Merchants Bank to sign a mortgage loan agreement.
"I think the fourth floor is nice, and room 401 is the best. Unfortunately, the rooms 401 in both units were taken first." Lin Qiu was a little annoyed.
"What about the third floor? 301 is not bad either."
Wang Xiuren felt that the apartment types in Hua'an Garden were all similar, and always felt that they were inferior to Jinxiu Garden where he lived.
In fact, Lin Qiu also had a similar idea. If it weren’t for solving her daughter’s household registration problem, she would have wanted to look at other real estate projects.
Lin Qiu suddenly noticed that the couple next door bought four two-bedroom apartments at once. Suddenly, an idea flashed in his mind and he looked at Wang Xiuren with bright eyes.
After several years of verification, Wang Xiuren knew from Lin Qiu's expression that she had a new idea.
"I have an idea, I don't know..."
"you say……"
The two people spoke almost at the same time.
Lin Qiu pulled Wang Xiuren aside and lowered his voice, "What do you think about us buying two two-bedroom apartments? We don't care about the layout or the floor. We can buy whichever is cheaper. How do you think?"
"Why do you think so?" Wang Xiuren didn't believe that Lin Qiu had no vision and couldn't tell good from bad.
"Anyway, we bought the house just to register Shanshan, we don't have to live here." Lin Qiu explained to Wang Xiuren in a low voice, "We can rent it out and use the rent to pay off part of the loan. In this way, in five years, we will have three houses to rent out."
Lin Qiu's explanation directly overturned Wang Xiuren's cognition. Could it be done this way?
Even if I don’t have to work anymore, I can still make a living by relying on the rent!
Deep down he had great respect for his wife's wisdom.
"I think it's okay!" Wang Xiuren pulled Lin Qiu directly towards the staff.
"I want two apartments, 02 and 04, on the second floor!"
Each building has eight floors. The lighting on the ground floor is always affected. The second floor is better than the first floor and is not as humid.
"Are you sure? Once the contract is written, you can't go back on your word," the staff member reminded.
“Confirmed!”
"That's fine."
The staff quickly pressed the computer, "Both units are 74 square meters, 2,338 yuan per square meter, minus the decimal, the total is 346,000 yuan. Full payment or mortgage?"
“Mortgage!”
"The down payment is one hundred and three thousand eight hundred yuan."
The staff member was waiting to collect some money, but Wang Xiuren just stared at him motionlessly.
It was Lin Qiu who noticed something was wrong. He immediately poked Wang Xiuren's arm and reminded him quietly, "Pay the money!"
"Sorry, I was distracted just now."
Wang Xiuren finally reacted and quickly took out 103,800 yuan from the cloth bag he was holding tightly in his hand, and continued to hold the rest tightly in his hand.
The savings of two people are less than 140,000 yuan, so we should save the remaining money and use it to repay the loan later.
Holding the light invoice, Lin Qiu quickly took out two golden eggs.
After signing the contract, the couple was also sent to the staff of China Merchants Bank to apply for a mortgage.
After all the formalities were completed, Lin Ting and the other two learned that Lin Qiu had changed his mind again in a short period of time and turned a three-bedroom apartment into two two-bedroom apartments.
Amid the puzzled looks of the three of them, Lin Qiu whispered to them the four words "rent to repay loan".
On the one hand, Lin Ting admired his daughter's courage, as not everyone can be the first to try something new.
But I'm also worried. Qiuqiu and Xiuren have borrowed so much money. What if they can't pay it back?
Lin Ping and Yang Zhefeng also regretted that they did not have enough capital and courage.
It is conceivable that one day three years later, five years later, or even decades later, everyone will think of the decision Lin Qiu made today as remarkable.
Courage definitely plays a big part in a person's success.
The greatest advantage that ordinary people have in changing their own destiny is courage.
If your courage increases by one point, your human power will increase by ten points, and wisdom, vision and foresight will follow.
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