Chapter 124 Chapter 124 Taking Advantage
Chapter 124
Zhao Ruyue really didn't know about this: "Do you know when they started to inquire about the house prices in town?"
Ding Min thought about it carefully and said, "Probably in the past two days. I heard someone say it the day before yesterday, and I thought I would tell you and Shao Ming if I ran into you here, but you were both busy recently, so I only ran into you today."
"I really haven't had much time recently because of my mother-in-law's affairs. Thank you for telling me this news. I'll ask Shaoming to treat you to a meal some other day."
"There's no need to say thank you," Ding Min joked, "but if Shaoming invites me to dinner, I definitely won't refuse if he cooks himself!"
Zhao Ruyue knew that Ding Min was well-informed in the town. In fact, he didn't need to ask around, because his workplace was in the town and almost all of his colleagues were locals.
There is little entertainment in the town, but many acquaintances. If something happens, they will gossip with each other. That's how the news comes, and they get the news one step faster than others.
When Ning Shaoming and Zhao Ruyue were still running a store together in town, they both learned the news so quickly.
But it was just one step faster, and it didn't take long for the subsequent news to spread everywhere in the town.
Whatever they do in town, unless they do it like they did when they bought a house in the county, they really won’t tell anyone except the couple, otherwise it will be difficult to keep it secret for very long.
The news that the house she and Ning Shaoming bought in the county town was going to be demolished was known to only a few people now. Once the second son and his wife leaked a few words, it would soon be known to many people.
Ding Min said that he heard the news from others the day before yesterday. Zhao Ruyue calculated the time and thought it was probably after the day when Ning Da told Ning Shaode to ask him and Ning Shaoming to give him 300 yuan each.
Zhao Ruyue knew without much thought that they probably felt that they had suffered a loss in this matter.
Ding Min's words soon confirmed Zhao Ruyue's guess: "You and Shaoming have to be more careful when facing Ning Laoer and his wife in the future. They are plotting against you at Ning Laoer's wife's family!"
Zhao Ruyue asked: "What are you talking about?"
"It's about providing for the elderly. He said the old man favors your family and the old family. The old family is very stingy and doesn't have to pay a penny. You two own several stores, but you only pay a small amount to send the elderly away.
Only their family provided both the house and the money, and they also said that if the house was rented out, the rent would be around a hundred yuan a month. What they meant was that they had provided the house, so they shouldn't have to pay the same amount of money as you every month. ”
Zhao Ruyue was so angry that she laughed. If they didn't want to pay, or didn't want to pay the same amount as her family, then they could live closer to their parents, like their eldest sister-in-law did, and help their parents in time when they have problems!
You want peace and quiet but don’t want to spend money. What a wonderful dream!
Ding Min also said that few people really believed their words and they all regarded them as jokes: "They thought that by telling others this, others would think that they were indeed treated unfairly. Have you forgotten how biased your old lady was towards Ning Lao Er?
Not to mention that the house was given to them by their elderly parents. My goodness, their parents divided the house among them, and now their own parents move in and they secretly complain that they don’t pay rent. These are their biological parents!
When you say those things to others, do you think that they are all ignorant fools who believe whatever they say? ”
Zhao Ruyue said, "I will tell Shaoming about this when I go to the county town and see what to do. We can't wait until they secretly sell the house and they come to take it back before we rush to help the old man move."
"You really have to plan early. I see they are in a hurry to sell, but the price is a bit high. People who are interested are hesitant after asking."
"How much do they want?" Zhao Ruyue asked again.
Ding Min also found out about this: "It's said to be 20,000."
"The price is really too high. It's not worth it. Twenty thousand yuan can be used as a down payment to buy a few dozen square meters of elevator apartment in the county town."
Ding Min's elder brother recently bought a house in the county town for his nephew Ding Yong.
He accompanied me to look at houses and was very familiar with the prices of houses in various communities in the county: "Yes, with a down payment of only 20%, you can indeed get a loan to buy a house of 60 or 70 square meters, but you have to pay back a few hundred yuan in loans every month, and the repayment pressure may be a bit high.
The good thing about their house is that after buying it, you can move in directly without any renovations.
But regardless of whether it needs renovation or not, it’s just a house in the town. Unless you meet a rich sucker, it will be difficult to sell it for 20,000. ”
When Zhao Ruyue heard his words about the mortgage, she fell silent for a moment. Thinking about the current wages of workers in the county town and the several hundred yuan in mortgage repayments every month, the pressure was indeed a bit too much for many people nowadays.
No matter what era, it is not easy for ordinary people to buy a house. After all, their salary is used to provide for daily food, clothing, housing, transportation, raising children, medical treatment, social interactions, etc.
But if you can grit your teeth and buy it now, and tighten your belt and diet for a few years to get through it, it won't take more than a few years, and the pressure won't be so great.
Zhao Ruyue remembered what Ning Shichun had said during the Chinese New Year. Ning Shichun decided to open a store next year, and his idea was to rent a storefront in another town to open a store.
Because in the past, people from other towns would come to the store in their town to buy hot dog buns and other things to eat, and now there are still people who come to buy other kinds of bread, and some people come specifically to order cakes.
Now it seems that Zhao Ruyu might as well let Ning Shichun go to the county town to take out a loan to buy a house and a shop.
It won’t be long before her family has a house in the county town, and the news of it being demolished will surely spread everywhere.
Ning Shichun doesn't have enough money, so they can lend it to him first. Otherwise, when the demolition compensation for her family comes, there will definitely be a lot of people coming to borrow money.
It would be better to lend it to Ning Shichun than to others. At least this kid is really honest and listens to his third uncle very much. He will not fail to pay back the money he borrows.
By lending out some money, you can also have an excuse to stop others from asking for money.
Zheng Xiu's car arrived at the door, and Zhao Ruyue went to the back and asked the two children: "I'm going to the county town, are you going with me today?"
Both children said they couldn't go and wanted to stay home to watch TV and play computer games before school starts.
Zhao Ruyue reminded them: "After watching TV or computer for half an hour, you should get up and walk around, go outside to get some fresh air, and look into the distance, otherwise you will become nearsighted."
Ning Shixia paid special attention to protecting her eyes and immediately said, "I will definitely pay attention and remind my brother."
"Then I'm relieved. I'll leave first. If you have any problems, call me or your father."
When they arrived at the county town, it was afternoon and not many people were around. Zhao Ruyue thought Ning Shaoming should be free.
When Zhao Ruyue arrived in the county town, she went straight to find Ning Shaoming.
She walked into the bakery next door and didn't see Ning Shaoming in the store, so she asked the clerk: "Is your boss not here?"
The clerk told her, "Just now the boss had a friend come to see him, and there was no place to entertain him here, so the boss took his friends to the restaurant."
Zhao Ruyue went to the restaurant again and took a look. She saw Ning Shaoming sitting face to face and talking with a friend in the corner of the store. She also knew that person, but she did not rush over to disturb him.
That man was indeed Ning Shaoming's friend. I heard that after graduating from high school, he became a auxiliary police officer thanks to his family connections.
In previous years, this friend didn't contact Ning Shaoming very often, and they met even less often throughout the year. I don't know why he took the initiative to come to him today.
In the restaurant, Ning Shaoming was politely declining his friend's request to borrow money: "We have known each other for such a long time, you should know me well. After marriage, my wife manages my family's money, and she gives me 300 to 500 yuan in pocket money every month.
I usually spend very little money, so I can save a little. But occasionally I have to buy gifts for my wife, give my two children some pocket money, and buy some snacks and toys, so I don't have much left for myself.
This is because I don't smoke or drink, otherwise I wouldn't have a penny left. If you want to borrow a thousand or eight hundred, I can make the decision. If you want more, I really don't have any money, so you have to ask my wife. ”
Most of what Ning Shaoming said was his true situation.
Since he said so, there was nothing his friend could do.
All I could say was, "Then lend me some money first, and discuss the rest with your wife. I really need the money urgently, and you know me. If I had no other choice, I would definitely not easily ask for a loan from my brother."
"Okay then," Ning Shaoming took out his wallet and handed him all the notes, which were estimated to be about 700 yuan. "You can use these first. When my wife comes later, I'll ask her. I'll give you an answer whether she agrees or not."
The man took the money and said, "Thanks, brother."
The two chatted for a few more minutes and then the man left.
Zhao Ruyue saw the man leave, then went to find Ning Shaoming: "What does Wei Anmin want to see you for?"
Ning Shaoming was helpless: "Come to me to borrow money, borrow 5,000 yuan."
Zhao Ruyue was also helpless: "Alas, borrowing money again."
Ever since the two of them successfully established their store in the county, many people have come to them to borrow money.
At the beginning, I could still use my own store to start up. I also borrowed money from relatives and friends to open the store. The money I earned had to be used to pay off debts first.
This excuse is not as useful now as it was at the beginning. After all, debts must be repaid at some point, and their store's business is visibly booming. How could they not pay off the money they owe to others?
Zhao Ruyue asked again: "I remember that Wei Anmin's family is well off, why did he come to you to borrow 5,000 yuan?"
Ning Shaoming knew a little about Wei Anmin's current situation: "I heard that he speculated in stocks and lost all the money he saved for buying a house. He got married later than us and had children later than us. His child only started elementary school in September this year.
He originally intended to use the money from stock trading to buy a house and send his children to elementary school in the county town. His wife is divorcing him because of this. I think he is scraping together money for a down payment to at least stabilize his family. ”
Zhao Ruyue was a little surprised: "He has been working for so many years, but he hasn't been promoted yet? His household registration hasn't even been moved to the county town."
"I'm not sure about this. I just remember that he was able to get in as an auxiliary police officer because of his uncle's relationship. His uncle seemed to have died of a sudden illness. I forgot which year it was.
Anyway, after he had been working there for a few years, he heard that his uncle had passed away. It was estimated that he had not yet been converted to a regular employee at that time. After his uncle passed away, he might have been forgotten by everyone and it would have been even more difficult for him to be converted to a regular employee. ”
Ning Shaoming finished speaking and recalled his thoughts when he was in the hospital.
I said to Zhao Ruyue, "I'm thinking of buying two houses in the county and spending the money. I don't need to keep too much cash.
The price of houses in the county town has increased a bit this year compared to last year. I feel it is more cost-effective than keeping the money in my hand or putting it in the bank.
If our child continues to perform well in high school and is admitted to a good school and goes to work in a big city, we can sell the house in the county and buy a house for our child in the city where he works. ”
After hearing this, Zhao Ruyue also thought that buying a house was a good idea.
But then she thought, instead of buying a house in a county town and then selling it later to buy one in a big city, it would be better to buy one in a big city now while there is still no purchase restriction.
In the future, selling the house in the county town may only be enough for the down payment of a house in a big city. This is still a relatively good situation. In some county towns, even selling the houses may not be enough, and you have to add a little more to make up the difference.
If you buy a house in a big city now while the housing prices are not so outrageous, and your children do not work in the city where you bought the house, you can sell it and buy a new one, and you will not easily encounter such a problem.
She thought so and told Ning Shaoming about it.
Ning Shaoming hesitated: "If we use our money to buy two houses in a big city, we may have to borrow a lot of money, and the repayment pressure will be very high."
He never thought of buying just one house. Ever since he planned to divide the house in town into two and give half to his daughter and son respectively, he would think of buying double of anything, including houses.
Zhao Ruyue advised him: "It's better to have a little more pressure than to let someone borrow the money and then have to gamble nervously whether they will pay it back. At least you can actually get the house. It's an asset that you can pass on to your children."
Ning Shaoming listened to her and nodded: "That's right, they say the one who owes money is the boss. If you lend the money, you may lose the money and lose your friendship. Then just do as you said and buy a house in a big city.
But which city should I buy it in? We have been to Pengcheng and are more familiar with it. Why don’t we buy the ones from Pengcheng? When the time comes, we can ask Wenfa and others to help us find out. ”
Zhao Ruyue said, "I think it's better to go to Yangcheng first. Xiaorong also bought a house this year. She must have known about the houses and housing prices in various communities in Yangcheng. There is no need for her to go and find out for us.
Wenfa and his family haven't bought a house yet, and they probably have no intention of buying a house in Pengcheng. They probably don't pay attention to the specific conditions of houses in Pengcheng. If we ask them to help us, they will have to spend extra time to understand it.
It takes a lot of time and energy to look at houses, and they have so little time to rest every month.
Please help us find out about this. They finally have some rest time, but that time is taken up by our affairs. This is not good. ”
In fact, what Zhao Ruyue was mainly worried about was that others had not bought houses yet, and because they had no house and no local household registration, only one of the two children could stay in their hometown.
Not only can the child I bring there only go to a school for children of migrant workers, but I also have to pay a lot of school selection fees, which is very stressful.
They happily run to others and tell them that they want to buy a house and ask them to help them find one, which is like rubbing salt into other people's wounds.
What if someone says: Brother, you won’t be living in this house in the short term, can you please help me transfer my child’s household registration to this house? This will reduce our pressure and our child can go to a good school.
As a good brother, will you help me when the time comes?
If it were someone else, Ning Shaoming probably wouldn't ignore these things.
But Huang Wenfa had such a good relationship with him that he was even willing to help Huang Wenfa open a shop and make money as if he were helping his own nephew.
As a result, Ning Shaoming subconsciously used his own experience to extrapolate to others, thinking that if he bought a house in a big city, his brothers would only be happy for him when they knew about it and would not have any other thoughts in their minds.
But no one knows what others are thinking. When the gap between the two sides becomes larger and larger, if you still want to continue to be friends, it is best not to gamble on human nature.
Fortunately, Ning Shaoming always goes along with Zhao Ruyue in this matter: "Then let's buy it in Yangcheng, but why don't we buy two houses in the county? Houses in the county are so cheap."
Zhao Ruyue: "We must buy one in the county. You forgot that our two children will go to school in the county and they will also need a school district house. But there is no need to be so anxious. No matter where we buy, we should wait until the demolition money comes in. This way, we will have less pressure."
Now they can continue to use the excuse that they also have to pay off their debts for a while.
However, they had to look for a house as soon as possible. While Huang Xiuhua was in the hospital, the local street office called them to hold several meetings, and the compensation plan was almost finalized.
If the plan is finalized and the resettlement housing or relocation housing has a better school district, they won't have to spend money to buy one in the county town.
If the school district is not good, or the completion time of the resettlement housing is uncertain, it is better to use the money to buy other communities in the county.
After the two of them discussed the matter, Zhao Ruyue remembered what Ding Min told her and almost forgot to tell Ning Shaoming.
Now that I remembered it, I told him immediately.
No matter what Ning Shaoming hears Ning Laoer doing now, he doesn't have any emotional fluctuations. He used to care and feel uncomfortable because he still regarded him as his brother.
"That's easy." He said calmly, "If they sell their house, we can buy it and let my parents live there."
After all, that house carries his life experiences from birth to marriage and childbirth.
It would be fine if he didn't have the ability or the opportunity, but now that he has the ability, he still hopes to keep the house.
Zhao Ruyue was a little worried: "I'm afraid they'll see that we want to buy it, and deliberately raise the price to make things difficult for us."
The price of the house proposed by Ning Shaode and his wife is nothing compared to their current income.
But Zhao Ruyue was not willing to let Ning Shaode and his wife take advantage of her family, so she directly told Ning Shaoming about her little idea.
After listening to this, Ning Shaoming said, "That's not difficult to solve. Give me 20,000 yuan and leave it to me."
She just didn't want to let Ning Shaode and his wife take advantage of her, and that would make things much easier.
"I'll go get the money tomorrow." Zhao Ruyue would rather let others take advantage of this than let Ning Laoer take it!
Ning Shaoming took some time to go see Wei Anmin.
Wei Anmin was very surprised. He thought that Ning Shaoming's words that day about discussing the loan with his wife was just an excuse to get rid of him, just like he did with other people.
After all, his income situation is not difficult to inquire about, and it is easy to find out.
Wei Anmin borrowed a lot of money, almost all of which was borrowed for the down payment, and now he is only a few thousand yuan short.
With his income, after borrowing so much money, he still has to pay the mortgage every month. It will be difficult to pay back the money borrowed for the down payment for at least a few years.
I didn't expect that Ning Shaoming actually discussed it with his wife and came to me on his own initiative!
However, it was different from what Wei Anmin had imagined, which was to just lend him the money.
In fact, Wei Anmin was not wrong about one thing. Before Ning Shaoming came to find him, he did inquire about his situation. In addition to Wei Anmin, he also asked several other people.
After comparison, combined with the information he had learned before, Ning Shaoming felt that Wei Anmin was the most suitable person.
Wei Anmin was the only person he could be sure had enough cash on hand.
After a few pleasantries.
Ning Shaoming said to Wei Anmin straight away: "Brother, I know your current situation. You may not be able to pay me back if I lend you this money. Now I need help with something and I can make some money. I thought that we have known each other for so many years and we are brothers after all. It is better to earn this money for you than for others. If you can do it well, you don't have to owe me a favor and you don't have to pay me back. You will also have less pressure in the future."
Is there such a good thing?
In order to raise the down payment, Wei Anmin borrowed money from everywhere. Fortunately, his situation had not been made public at the beginning, and some people were willing to lend him money.
Now he can't borrow even a penny from his relatives and friends.
Wei Anmin didn't have time to think about it. As soon as Ning Shaoming finished speaking, he immediately said, "What's the matter? Just tell me!"
Ning Shaoming lowered his voice and said to him, "This is what happened. I heard that my second brother is selling my old house. Please help me buy the house and then transfer it to me.
He is offering 20,000 now, but your hometown is also in the town, so you must know that the price of houses in the town cannot be that high. I also have 20,000 here. When you buy that house, you can earn as much as you can lower the price.
Of course, this is not without risks. In the early stages of buying the house, you need to pay for it yourself, which is equivalent to you buying it first and then selling it to me. As a brother, I promise that I will never cheat you in this matter. ”
Ning Shaoming has made it clear to Wei Anmin about the benefits and risks. Whether he chooses to believe him depends entirely on Wei Anmin's own choice.
If he feels the risk is too great and he doesn't trust me, then I can find someone else.
However, it would definitely not be possible for Wei Anmin to borrow money from me.
It can be seen from the fact that Wei Anmin lost all the money he saved for buying a house in stock speculation that he is a person with a strong gambling nature.
What's more, this matter seems to be very risky on the surface. If Ning Shaoming changes his mind, the house will be in his hands.
However, after listening to Ning Shaoming's words, Wei Anmin only thought about it for a moment. He had also heard that Ning Laoer was going to sell the old house. He was really going to sell it, and it was not a setup by the two brothers.
And in his opinion, the risk is not as big as it seems.
First of all, that is the old house of the Ning family. Secondly, the Ning family’s house has a good location in the town. If it can’t be sold for 20,000, it can be sold for more than 10,000. There must be someone in the town who is willing to buy it.
Of course, the prerequisite is that the price is right. If you insist on 20,000 like Ning Laoer did, it will definitely be difficult to sell it.
If it really hurts his hands, he can still sell it by lowering the price a little, but he will lose a little money and time.
No one else could get Ning Laoer to lower the price, but Wei Anmin had a way.
He quickly agreed: "Don't worry, leave it to me. I will definitely get it done for you in no time."
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