Chapter 99 Just Right
"What are you two doing?"
Lin Ting opened the door and saw Lin Qiu and Wang Xiuren lying on the coffee table reading newspapers. He didn't even hear the sound of the lock being unlocked.
Zhou Qing, Lin Ping and Yang Zhefeng followed in.
Lin Ting and Zhou Qing each carried only a small handbag of clothes, Lin Ping carried a suitcase in both hands, and Yang Zhefeng held two bulging snakeskin bags in his hands.
"Grandpa and grandma!"
When Wang Shan heard the sound, she slid off the carpet and the sofa, rushed over and hugged her grandfather's legs.
Lin Ting put down the handbag and lifted her up, "Do you miss grandpa?"
"Of course!"
Wang Shan answered without hesitation, "I think about it every day, even when I sleep!"
The granddaughter's serious answer made Lin Ting hug her tightly in his arms, "Grandpa misses you too!"
"Dad, Mom, why didn't you call when you came back?"
Lin Qiu looked at his family at the door in a daze.
"That's right, I can pick you up!" Wang Xiuren went to meet them, "Dad, Mom, you've worked hard on this journey! Come and sit on the sofa and enjoy the fan!"
Then he took a snakeskin bag from Yang Zhefeng's hand and said, "Thank you for your hard work, Zhefeng and Pingping. You two should put down your things and go get some fresh air."
Yang Zhefeng smiled and replied, "It's not hard, it's what I should do!"
After the four people sat down, Lin Qiu brought four cups of cold boiled water. It was better to save the bubble tea because boiled water was refreshing and thirst-quenching for the family.
"Have you eaten? If you haven't, I'll go make something. There are some vegetables in the refrigerator!" Lin Qiu planned to go into the kitchen to cook something for the four people.
"We've eaten outside." Zhou Qing was not afraid of the heat at all and hugged his granddaughter.
"Stop busying yourself, come and enjoy the fan!" Lin Ting stretched out his hand to call his eldest daughter over, "What were you and Xiu Ren concentrating on doing just now? You didn't even notice me coming in."
Lin Qiu spread out the newspaper and pointed to the Hua'anyuan advertisement to Lin Ting.
Lin Ting was a man who had seen the world. He knew that his daughter and son-in-law had been busy helping their granddaughter settle down in Pengcheng. When he saw the words "blue-print household registration", he happily took a photo.
"This is a good thing! If you buy this house, you will get a household registration. I have to buy one anyway!"
"Dad, calm down first! Look here again."
Wang Xiuren poured the cold water that had just been poured on himself onto his father-in-law.
When Lin Ting saw the number marked in red, he was so shocked that he was speechless.
More than two thousand per square meter!
This number almost overturned Lin Ting's cognition.
The price is over 2,000 yuan per square meter, and the smallest apartment will cost almost 180,000 yuan!
One hundred and eighty thousand was a number that Lin Ting dared not even think about.
Lin Ping and Yang Zhefeng had the same look of disbelief on their faces.
"Why do you all have this expression?"
Zhou Qing was illiterate, so he was only concerned with being affectionate with his granddaughter and didn't read the newspaper at all.
"The house is too expensive!" Lin Ping replied.
"How expensive is it? Why do you look like this?" Zhou Qing didn't care.
"More than 2,300 per square meter, 170,000 or 180,000 per set, do you think it's expensive?"
Lin Ting's answer shocked Zhou Qing. "Is this house made of gold? Is anyone going to buy it if it's so expensive?"
Wang Xiuren smiled bitterly and shook his head, "Mom, even if you rush to buy this house, you may not be able to buy it."
This matter was beyond Zhou Qing's understanding. She was stunned and shook her head for a long time. She decided not to think about it anymore and lowered her head to continue talking to her granddaughter.
For a moment, the only sounds in the living room were the conversation between an old man and a child and the hum of the electric fan.
"Actually, there is no way."
Lin Qiu's sudden words made her the focus of everyone's attention.
"Look here!"
Lin Qiu pointed to a line of words and read out slowly: "Industrial and Commercial Bank of China provides a 70% mortgage for five years."
"What's the meaning?"
Lin Ting had never heard of this term. He only knew the Industrial and Commercial Bank of China, but this was the first time he had seen “70% mortgage over five years”.
The other people in the family also looked at Lin Qiu in confusion.
Lin Qiu had never bought a house in his previous life, but at least he knew that he could get a loan to buy a house.
She understood what this sentence meant, but she had to think of a way to explain it to everyone.
She thought for a moment before she said cautiously, "I'm not 100% sure that what I said is correct. I'm only explaining this matter according to my understanding."
"It's okay, just say it! We are all family, it doesn't matter if you say something wrong, no one will laugh at you."
Lin Ting thought that Lin Qiu was worried about being accused of pretending to know something, so he encouraged her to express her ideas.
"Oh well!"
Lin Qiu took a few deep breaths and spoke carefully, "According to my understanding, ICBC should be able to provide 70% of the loan for everyone to buy a house, and the loan should be required to be repaid within five years."
"Loan to buy a house?" Wang Xiuren looked incredulous. "Is the bank doing a good thing?"
"Of course there will be interest! The interest rate is probably not low."
The older you are, the wiser you get. After hearing his daughter's explanation, Lin Ting thought more and more that she might be right. He also thought about the interest after the loan.
"What if I can't pay it back?" Yang Zhefeng asked a key question.
"Then I guess the house should be mortgaged directly to the bank," Lin Qiu replied.
"Mortgage it to the bank? Then all the money paid before will be wasted?"
Seeing the surprise on Lin Ping's face, Lin Qiu nodded, "Yes."
In her previous life, during the years when the epidemic was tense, due to the economic downturn, she often saw videos on short videos about people who could not pay their mortgages and car loans and had to mortgage their houses and cars to banks. She was lamenting that it was not easy to be a "house slave", but she didn't expect that she would also become a "house slave".
Yes, Lin Qiu decided to persuade his family to take out a loan to buy a house. Not only did he want to buy one for himself, but he also wanted to persuade Lin Ping to buy one as well.
"Forget it. A working girl like me probably can't afford to buy a house here!" Lin Ping said regretfully.
Yang Zhefeng nodded and also felt that the house here was too far away from him.
Wang Xiuren's face was full of disappointment and solemnity. Even Lin Ting hesitated when he heard that his house would be mortgaged to the bank if he couldn't pay the mortgage.
Lin Qiu laughed.
Indeed, if it were my previous life, I would probably be the same as them and would not even think about it again.
"I think it's worth buying. Not only me, but even Pingping can consider it!"
Lin Qiu's words were like a thunderclap, causing everyone to look sideways. Even Zhou Qing looked at her in surprise.
"I'm not kidding. Don't worry, I'm not crazy." Lin Qiu wanted to let them relax and made a joke on purpose.
"I calculated that it would cost about 240,000 yuan to buy a three-bedroom apartment of about 100 square meters. I have nearly 80,000 yuan on hand now. By the time I pay the registration fee, I should be able to save up 100,000 yuan. The maximum loan we can take out is 150,000 yuan. If we pay it back in five years, it shouldn't be a problem for us to pay it back."
After Lin Qiu finished speaking, Wang Xiuren was a little shaken, and she added fuel to the fire, "This way, Shanshan's household registration problem will no longer be a problem."
"Sister, you and brother-in-law can afford to repay the loan, but Yang Zhefeng and I may have difficulty." Lin Ping wondered how he could repay the loan with his savings.
"Don't be in a hurry, first tell me how much savings you have?"
"Including this month's salary, it's almost 32,000 yuan."
Lin Ping's savings are already quite a lot. If he hadn't sold popsicles in the summer and Spring Festival couplets in the winter, it would have been impossible for him to save so much with his salary alone.
"I have about 40,000 yuan here as well." Yang Zhefeng replied. He didn't expect that Lin Ping had saved so much money in less than three years.
"This is not enough!" Lin Ping sighed, he would never have the chance to own a house in Pengcheng.
"Who said it's not enough?" Lin Qiu took out a pen and paper from the drawer and started to calculate on the coffee table. "The loan is 100,000, and the monthly payment including interest is about 2,000. You can have more than 600 a month now, plus Xiao Yang's salary, it should be just enough, but you will have to be a little tight on money every month."
Lin Ping and Yang Zhefeng looked at each other and found that the other's eyes were full of hesitation.
"What's more, wages will continue to rise in the future, but no matter how much they rise, they will never be higher than the house price. Your brother-in-law and I bought this place two years ago for only 60,000 yuan, and now look at people scrambling to buy it for 150,000 yuan!" Lin Qiu saw their hesitation and continued to encourage them:
"I can still afford it now if I can get over it. If I don't buy it now, I'm afraid I won't even dare to think about it after seeing the house prices in two years!"
"You will have to rent a house anyway, so instead of paying the rent to the landlord, you might as well pay your own mortgage."
"Pingping, your sister is right!" Lin Ting also felt that what Lin Qiu said was very right. Just look at the prices in the past two years and you will know. Everything is rising, including wages, but they can never rise higher than housing prices.
"If you two sisters want to buy a house, your mother and I will support you 100%. We have some savings on hand, and we will give them to you for emergency use when the time comes!"
"Give it all to Pingping! Borrow less from the bank so that the repayment pressure will be less." Wang Xiuren said.
"But, brother-in-law, you also need to borrow money from the bank..."
Wang Xiuren stopped Lin Ping before he could finish his words.
"Your sister and I still have more income every month, so the pressure to repay the loan is not that great."
Lin Ping was about to speak when Yang Zhefeng stopped him, "Thank you so much, sister and brother-in-law! Don't worry, I will write an IOU with uncle for the money."
"These are matters for the future, there's no rush." Lin Ting looked at the two humble sisters with satisfaction. At his age, all he wanted was to see his children help each other and get better and better.
"Then I'll go and ask around in the next couple of days to find out when to sign up!"
Now that it was basically settled, Lin Qiu felt relieved and was just waiting for the registration day to arrive.
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