As soon as Shu Yan returned to the shop, Zhang Huaxiu told her that Lao Hu had come looking for her. What a coincidence! She had gone to look for him yesterday but couldn't find him, and now Lao Hu had come looking for her but couldn't find her either. Was fate not going to let her make a purchase? Shu Yan jokingly thought to herself.
"Did he say anything else?" Shu Yan was quite anxious. If she could buy it, she would truly have a foothold in Nancheng.
"He said to come to his house when you have time, he has good news." Zhang Huaxiu was very curious about what the good news was, but since it was her boss's private matter, she didn't ask too much.
Shu Yan picked up the bag she had just put down, told Zhang Huaxiu, and hurriedly headed to Lao Hu's house.
Upon seeing Shu Yan, Lao Hu quickly invited her in. He also hoped to complete the deal; the referral fee of several thousand yuan would be enough for him to take a break for a while.
“Last night I treated the homeowner to dinner and spent most of the day negotiating with him. He finally agreed to a price of 8,800 per square meter. I can tell he definitely won’t go any lower. Besides, there are quite a few people looking at houses recently, so it’s better for you to make a decision soon.”
"Eight thousand eight? I can accept this price." Shu Yan had originally thought that if she really couldn't negotiate a lower price, she would still buy it for 9,500. She didn't expect to be able to negotiate to eight thousand eight, which was already beyond her expectations.
To avoid any unforeseen complications, the two immediately went to find the landlord. If possible, they would pay the deposit and sign an agreement that day; otherwise, Shu Yan really wouldn't be able to sleep.
"Old Hu, I'm planning to take out a loan for this house. How long will it take to get approved? Can the other party wait?" Shu Yan has enough money, but she doesn't want to pay in full, especially now that money is only going to become less and less valuable. Taking out a loan is definitely a better deal.
"I have a friend who works at a bank. I've already asked him, and as long as the documents are complete, it can be approved immediately," Lao Hu assured him, patting his chest.
Loans are different now than they will be in the future. Banks now have loan targets, and if you don't meet them, you won't get a bonus and might even have your salary deducted. As long as you can prove your financial strength, banks would love to lend you more money.
Shu Yan has a fixed property and a well-performing shop, so she will definitely be able to get the approval.
The homeowner is a young man in his thirties who just graduated with a master's degree last year. His wife is his classmate. Both of them have found jobs abroad and have decided to settle there. They are planning to buy a house this year, but they are short of money, so they plan to sell the storefront on Chengnan West Road.
Accompanying him were his parents, both natives of Nancheng. They were quite welcoming to Shuyan, offering her water and snacks.
"Auntie, you don't need to be so polite." Shu Yan took the water, took a sip, and smiled. "Old Hu must have discussed the details with you. I have no objection to the price, but I plan to take out a mortgage. It may take a few days for the bank to process it."
"How long will that take? My son is going abroad in a week." The aunt frowned. If it weren't for the tight schedule, her house would definitely be in demand for over nine thousand. There is a buyer who can pay in full upfront, but he is only willing to pay eight thousand five.
"Don't worry, there's definitely enough time," Shu Yan said with a smile. "If it can't be done by then, I'll pay in full."
Shu Yan's words reassured the two elders. Old Hu had already discussed most of the issues with them beforehand, and this meeting was mainly to discuss some minor problems.
Shu Yan paid a deposit of 20,000 yuan. The agreement was made in triplicate, with one copy for her, one for the landlord, and one for Lao Hu.
8800 yuan per square meter, 80 square meters, totaling 704,000 yuan. Old Hu negotiated with them for a while, and they reduced it by another 4000 yuan, making it exactly 700,000 yuan. The down payment was 210,000 yuan, with a 20-year loan and monthly payments of 2200 yuan. Holding the agreement, Shu Yan almost cried tears of joy. A shopfront on Chengnan West Road! Hers…
Next, I went to see Lao Hu's friend who works at a bank. He checked Shu Yan's property and current store's cash flow, and also confirmed Shu Yan's deposits. The process was approved very quickly, taking only three days in total. During this time, he even treated Shu Yan to a meal and 'persuaded' her to transfer her money to their bank branch.
"I told you before, you can definitely get this done." With a house and a shop, she's definitely a high-quality client. Old Hu thinks Shu Yan is also a high-quality client of his, as she speaks generously and pays money readily.
"Here's the referral fee, please count it." Shu Yan handed the money to Lao Hu.
Old Hu counted twice, "No, you gave too much."
"No, I didn't give you too much." Shu Yan glanced at it to make sure she hadn't given you too much.
"The referral fee is two thousand, plus a one percent commission on the difference, totaling 2560. Yours is 3200, which is five or six hundred more. Although I, Lao Hu, love money, I won't be greedy for such a bargain." Lao Hu said, about to return the extra money to Shu Yan.
"It's 3200, that's right. Although we agreed to give you two points if it reached 8500, it's already quite an achievement that you managed to negotiate it to 8800, so I'll still calculate it for you with two points. 2000 + 1120 makes a total of 3120. The extra 80 is for you to buy cigarettes. I'm a woman and I don't have any cigarettes on me, so please buy them yourself." Shu Yan said with a smile.
He said he was introducing her to a house, and that Lao Hu had even helped her with the bank loan. He didn't mention this, but Shu Yan couldn't pretend she didn't know, so she simply calculated it as two percent and rounded it up. In fact, she didn't lose out at all; on the contrary, befriending Lao Hu was beneficial to her.
"Since you've put it that way, I'll accept it without hesitation. If you ever need anything, just come to me, and I'll do whatever I can to help." Old Hu loved dealing with straightforward people like Shu Yan.
Having finally received the property certificate, Shu Yan felt a sense of relief. She looked at the certificate from left to right and was happy for a long time by herself. She then pulled out her briefcase and put the property certificate together with the one from the Nancheng Mansion, feeling inexplicably at ease.
She's already busy with just one shop, so after buying this storefront, Shu Yan doesn't plan to run a business there; she'll simply rent it out.
Zhu Hong had previously rented the place for 650 yuan a month and signed a two-year contract, which was expiring this month. The current rent on Chengnan West Road is around 800 to 1000 yuan. Shu Yan initially asked for 1000 yuan, and said she could lower the price slightly if someone bargained. She put up a rental ad on the door herself and also asked Lao Hu to help introduce tenants.
Let's start with the lowest standard rent, which is 800 yuan a month. 2200 minus 800 is 1400. But this 800 yuan only applies to this year. It may increase again next year. Anyway, according to Shuyan's understanding, the rent here is increasing every year. Maybe in three to five years, there will be money left over after the monthly rent is used to pay the mortgage.
"Boss lady, what's making you so happy?" Zhang Huaxiu asked, seeing Shu Yan humming a song softly with a happy smile on her face.
"It's nothing." Apart from Lao Hu, Shu Yan hadn't told anyone about buying the shop.
How could she not be happy? In her original world, she lived to be 30 years old and always wanted to buy a small house of her own in the southern part of the city to settle down. However, houses were already incredibly expensive back then, with even the most remote ones costing tens of thousands of yuan per square meter. With her meager salary, she couldn't afford even a few square meters if she didn't eat or drink for a year.
Now she not only owns a house, but also a storefront in a prime location. This immediately puts Shu Yan, who was originally uneasy, at ease and gives her a sense of security. No matter how well the business goes in the future, she and her children will not go hungry, or rather, they will be able to live a relaxed and comfortable life.
Good things kept happening one after another. Shu Yan's new house was finally renovated. She specially asked Chen Fei to help her check it out. After confirming that there were no problems, Shu Yan readily signed the papers and paid the final payment.
"The furniture over there is almost finished. I'll have someone deliver it over and let it air out here with the house." Chen Fei really liked the house. "How much did you pay per square meter?"
"Four thousand? What, you're planning to buy this place?" Shu Yan looked at him with an expression of anticipation.
"I quite like it here." Chen Fei was silent for a moment, then asked softly, "Madam, could you ask Xiuxiu if she likes it here?"
Shu Yan chuckled, "Oh! You've all gotten to the point of buying a house."
"No, no." Chen Fei quickly shook his head. "I just... I think the layout of this house is very good, and most importantly, it's close to Xiuxiu's house. I... I haven't confessed to Xiuxiu yet, and I don't know what she thinks."
Chen Fei was so embarrassed that he became incoherent.
Shu Yan smiled and said, "Then hurry up and confess to her. It's not easy to meet a good girl. You're both single and at this age, it's normal to talk about marriage. Don't wait until you miss your chance to regret it."
After seeing Chen Fei off, Shu Yan was still slowly walking around the house. She would be able to move in around the end of the year. This would be her first house in this world. How wonderful.
The next day, when Shu Yan asked Zhang Huaxiu if she liked the Southern City Capital, Zhang Huaxiu was taken aback. "Southern City Capital? Of course I like it. My sister-in-law has been to see it several times, but unfortunately the price is too high and she can't afford it."
"Someone asked me to ask this." Seeing Zhang Huaxiu suddenly become shy, Shu Yan sighed. The two of them were clearly in love, just one step away from confessing their feelings. They weren't in a hurry, but Shu Yan, the bystander, was extremely anxious. "What do you really think? If you really think he's a good person, then you should be open about it. Go out for lunch or dinner together, get to know him better, and if you still think it's okay, then you can tell your family and settle things."
"Boss, what do you think of him?" Zhang Huaxiu asked Shuyan with some hesitation.
"I think he's useless, but it's up to you to like him. So what do you really think?" Shu Yan pressed.
"This matter still needs my parents' approval," Zhang Huaxiu said, blushing and lowering her head.
In other words, they're satisfied with Chen Fei!
“It’s okay for us to talk about this privately. As for Chen Fei, I can tell from his words that he harbors resentment towards his father. He hasn’t been back for so many years, and I guess he’ll just treat him like an ordinary relative from now on. Moreover, he’s willing to buy a house near your home, which is quite rare. How far is it from Nancheng Shoufu to your home? It’s like living in the same neighborhood, so it will be convenient for you to come home in the future. Some people might think that without the help of in-laws, the two of you will be under a lot of pressure, but if you ask me, there are advantages to not having in-laws.”
Shu Yan herself had never been married, but the original owner of this body had. According to her memories, the original owner's mother-in-law was incredibly difficult to deal with. She always believed that the original owner was a daughter-in-law bought by their family and should listen to her. In any case, if she said one thing, the original owner couldn't say another. Especially when she gave birth to her daughter, she didn't even allow her to have postpartum care. Her attitude only improved after Tianbao was born. Anyway, Shu Yan would rather not have a mother-in-law like that.
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