Chapter 175
The two of them took a stroll to the agency to look at houses, and on the way they couldn't help but talk about their college life.
Compared to Cheng Yu, who was troubled by getting along with roommates at the beginning of the school year, Wang Yunyun's university life was also full of trivialities.
However, Wang Yunyun accepted it well. She had lived in the school for three years during high school and had already gotten used to this kind of life. She was also the one who adapted to college the fastest among the eight girls in the dormitory.
"Your dormitory has eight people?"
Wang Yunyun nodded: "Yes, our college had bad luck in the lottery this year. We drew the most dilapidated dormitory building. The people in that building are older than me."
Jian Li gave her a sympathetic look and said, "Then you should hurry up and move out."
Wang Yunyun nodded frantically: "Yes, I met with my editor last week, and she is already urging me to write! But I don't have the time. I am either doing military training or getting familiar with the school. Occasionally I want to write something, and several people in the dormitory always gather around me to read it."
They all studied Chinese. Wang Yunyun said that she had been submitting papers since high school, which immediately aroused the curiosity of a group of people in the dormitory, and they kept asking questions for a long time.
Fortunately, Wang Yunyun stopped in time and did not mention the books she wrote later. She only mentioned the magazine she submitted when she was in the first year of high school.
"I don't actually think they have bad intentions, but just..."
Jian Li continued, "Compared to someone you just met, exploring their inner thoughts through words is still too far-fetched."
Wang Yunyun: “Yes, yes, yes!”
Jian Li patted her cousin's shoulder and said, "Hold on tight."
Wang Yunyun: "Have you met your editor?"
Jian Li: "No, but you did remind me."
Jiang Rou had been urging her to start a new chapter since she passed the college entrance examination, but Jian Li had been procrastinating. Now that she was in college and had plenty of time, it was time for her to meet the editor she had worked for four or five years.
The two arrived at their destination chatting and laughing.
This agency was located in a busy city area. Its storefront was bright and clean. When Jian Li pushed the door open and walked in, someone came to greet her immediately.
"Hello? Do you want to sell or buy a house?"
Jian Li was wearing a dress today. Although she didn't wear any makeup, she had a shiny lip gloss on her lips. The agent thought she was a college student at first glance, but after taking another look, he was a little unsure.
“Buy a house.”
With these words, the agent's smile became three times more attentive.
"Okay, do you want to buy a shop or a house? For your own use or as an investment?"
Jian Li quickly scanned the property information on several pieces of white paper hung in the other party's store.
"Take a look at them all."
The agent became even more enthusiastic and immediately took out a dozen pages.
"Then we can take a look at this property. It was just delivered last year. Although the location is a bit remote, near Zuojiazhuang, but looking forward, this place is expected to develop well."
"How about the price? Not expensive, 4,500 per square meter."
"As for shops, there aren't many suitable ones in the Second Ring Road. If you want one, I can bring it to your attention. The average price is around 8,000 to 10,000 per square meter."
"Further away? If it's farther away, it's a residential building. It's hard to say. It depends on the location and the house."
…
Jian Li tried to hold back her expression and asked, "Are there any small houses near the Normal University that are over 50 square meters?"
The agent flipped through the information and said, "Yes, there are. There is a walk-up apartment on the fifth floor. The owner is going abroad. It's a small three-bedroom apartment of 80 square meters. There is also a two-bedroom apartment on the second floor, 60 square meters. As for the price, the unit price is about 4,200 yuan."
When Wang Yunyun heard the price, she felt very uneasy.
So expensive!
She originally thought that the money she had saved was more than enough to buy a house, but who knew it would be so far from enough!
Jian Li frowned: "Okay, take us to have a look first."
The agent agreed crisply, made two calls in the store, and then took the two of them to the family building opposite the National Taiwan Normal University.
"The houses of these two families are now rented out. The tenants are at home and you can go and see them."
As the agent's pager rang, Wang Yunyun whispered to Jian Li, "Still watching? I don't have enough money."
She only had about 100,000 yuan in her hand. Even if she included the unpaid royalties, it would be 200,000 yuan, which was still a shortfall.
Jian Li pretended to be calm: "It's okay, sister, let's go take a look first, if we like it, we can think of a way to buy it with money later."
The agent took them to see the house on the fifth floor first. Jian Li was not very satisfied as soon as she entered the room. The fifth floor with stairs was a big flaw in itself. The house was even more dirty and messy due to the tenants, and the lighting was not good.
The agent knew they were not interested just by looking at the expressions on their faces, and without further ado, he immediately took them to see the second house.
This house is much better than the previous one. Although it is not large in size, the layout of two bedrooms and one living room is very neat and the rooms are bright. The owner must have taken good care of it, and the furniture in the house is well preserved.
The agent looked at the two people's faces and said, "This house is very good in every aspect. The original owner was a teacher who taught at the Normal University. Now he has decided to sell it because he has retired. Because it is a good floor, the price is 200 yuan more expensive than the single square meter on the fifth floor. But it is definitely worth the money. Living here, not only is it close to the Normal University, but you can also go to the kindergarten and elementary school that the Normal University has. Most of the people living here are faculty and staff, so it is not difficult to get along with them. The original owner said that all the furniture here can be given away..."
Wang Yunyun touched the pure wooden bookshelf in the room, and a trace of confusion flashed across her eyes.
She quite likes this house.
Jian Li asked a few questions about the ownership and water and electricity conditions of the house, and also asked some questions about the property, the previous transfer of the house, and whether the owner had any mortgage.
The agent was somewhat clear about the situation, but not entirely clear, so Jian Li took the opportunity to say, "This house is not bad, we'd like to take another look. If you have similar properties, please look for them."
After leaving the house, Jian Li also made her own request: "In the area I drew on this map, please find me a suitable three-bedroom apartment. The unit price should not be too high, but the property rights must be clear. This is my pager number. Contact me if you find a suitable one."
The agent's attitude was okay. Business cannot be done in one go. Besides, buying a house is a big deal, and it is rare for people to decide after only looking at two or three houses. Most people have to look at ten or eight houses before they can make a decision.
After the agent left, Jian Li saw Wang Yunyun's tangled look.
Jian Li: "Sister, you like that one just now, don't you?"
Wang Yunyun nodded, but couldn't help sighing: "I was originally thinking of buying a four-bedroom apartment..."
Two hundred thousand is enough to buy two houses in Taocheng, but who would have thought that after coming to the capital, I couldn't even buy a small two-bedroom apartment.
"No wonder people say that it's not easy to live in Chang'an."
A small house costs more than 200,000 yuan, which is something many people cannot afford in their lifetime!
Jian Li thought to herself, this is just the beginning. The house in the teachers' school compound that we are looking at now will be a solid school district house in the future. Not to mention the unit price of 5,000, it is possible to sell it for more than 100,000 per square meter.
"Sister, if you like it, just buy it." Jian Li said, "You don't need much, I'll lend it to you."
Wang Yunyun was indeed tempted for a moment, but then she rejected it: "I think it's better to forget it. The difference is not that big. If I write more this year, I can buy it next year."
Jian Li: "House prices are rising year by year. If you buy one next year, it won't be this price."
Although the housing prices in recent years have not increased as sharply as in the following years, they have continued to rise every year, and anyone with eyes can see it.
"Then I..."
Jian Li patted Wang Yunyun's shoulder and said, "Sister, I have a good idea for you."
"How about we...take out a mortgage?"
Wang Yunyun was confused. Mortgage?
Jian Li counted on her fingers and said, "Your income from writing books is pretty stable now. Doesn't this house have two bedrooms? After you buy it, you can just rent out one room. One month's rent plus your income can easily cover the mortgage. Your rent can even offset the mortgage."
Jian Li thought of the price the agent had just quoted and made up her mind: "I won't hide it from you. I am planning to take out a mortgage."
She planned to mortgage several houses. As long as the storefronts were good, the rent would cover the expenses. As for housing, she decided to live in the dormitory as a freshman and rent it out first. Although she persuaded Wang Yunyun repeatedly, she was actually shocked when the agent quoted the price just now.
The main reason is that I didn’t expect that the housing prices in the capital have already increased.
Wang Yunyun was completely stunned by Jian Li's words: "Let me slow down."
In the past, Wang Yunyun could still persuade herself that she made money without telling her family. But now, she was in debt without telling her family. Wang Yunyun felt that Jian Li was really too bold.
Such a big thing, is she planning to do it herself?
Jian Li: "Of course you can do it yourself! You and I both have part-time income, so just ask your editor to issue a proof of income and it will be approved!"
Wang Yunyun was moved by what she said: "But, according to your calculation, I have to pay back at least several hundred yuan a month..."
What if? What if her book doesn't get published? What if she can't pay her mortgage?
Jian Li had to explain the concept of inflation to Wang Yunyun again.
"That means money will become less and less valuable."
After thinking about Jian Li's words, Wang Yunyun tossed and turned all night after returning to the dormitory.
Finally, on the third day, Wang Yunyun went to Jianli School.
"I think you're right. It's only a few hundred yuan a month. I can definitely pay it back!"
At worst...at worst she can just continue to live in the dormitory and rent out the whole house!
After deciding to take out a mortgage to buy a house, the two of them spent the entire National Day holiday intensively looking for houses.
They found three real estate agencies and were still going door to door. Jian Li bought two boxes of cigarettes and carried them with her. Sometimes when she arrived at a yard, she would pass cigarettes to the security guard and then ask if he knew who had a house for sale.
The doorman actually had some houses available, so after looking at dozens of houses, Jian Li and Wang Yunyun came to the conclusion that the price they could get by directly communicating with the owner would be 200 to 300 yuan cheaper per square meter than the market price.
Finally, before the end of the holiday, Wang Yunyun finalized the purchase of her first house in her life.
After looking around, she finally decided on the two-bedroom apartment on the second floor and agreed with the real estate agent to apply for a mortgage, with a down payment of 150,000 yuan and the remaining 100,000 yuan to be paid in installments over 30 years, with a monthly payment of about 400 yuan. She still had 10,000 yuan left for emergencies.
Jian Li had her eyes on a storefront near the Second Ring Road, with an area of 80 square meters and a down payment of 400,000 yuan. The remaining loan was spread over 30 years, and the monthly rent could basically cover the loan. Another house was located in a school district near a university, with an area of 60 square meters and a down payment of 100,000 yuan. The remaining loan was only a little over 1,000 yuan a month.
The agent never expected that these two seemingly young girls would be so generous. Not only did they buy a house, they bought three at once!
"I will seize the time to communicate with the homeowner and complete the transfer as soon as possible!"
Get rich!
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