Chapter 874 Buying Gold Mr. Tan spoke very little when looking at the house, his gaze was more focused on the view from the window, the distance between buildings, and the security and environment of the community.
The questions they asked were also quite unique: "Who was the contractor for this building? Do you know anything about the property management company? What kind of people are the neighbors?"
Lu Qingyang answered each question in detail, even providing information on the property management company's equity structure and the main types of service complaints received in recent years.
Mr. Tan listened without commenting.
After viewing the apartment, Mr. Tan didn't leave immediately. He stood in the living room for a while, then suddenly asked:
"Why is Mr. Lu selling the house? As far as I know, you haven't lived here for very long."
Lu Qingyang glanced at the document and said frankly, "Personal planning adjustments require working capital."
The specifics of the plan were not mentioned.
Mr. Tan nodded, his gaze sweeping across the room before finally settling on the relatively clear sky outside the balcony. He suddenly smiled and whispered something to his assistant. Then he turned to Lu Qingyang: "The price is as you said, full payment, and the paperwork should be processed as soon as possible."
Later, Zhao Jie vaguely learned that this Mr. Tan was a low-key wealthy businessman who bought the house not for his own residence, but for his mistress, and didn't care about the price at all.
Look at this place, it's a quiet spot away from the hustle and bustle, the community management is strict, and the neighbors are relatively simple.
Moreover, the homeowner seemed to be a sensible person, not verbose, and handled things cleanly.
Lu Qingyang successfully sold the house, and the 1.5 million yuan was deposited into his account.
She neatly paid off the 800,000 loan, leaving her with 100,000.
This news naturally couldn't be kept from the family.
The little flame in Lu Zhitao's heart reignited.
Brother Ge doesn't want the house anymore, and suddenly he has hundreds of thousands of yuan in cash. I'm struggling to make a down payment on my wedding house. Shouldn't Brother Ge at least show some appreciation?
Even lending me some money would be helpful!
놛 deliberately chose a weekend, bought some fruit, and learned that 꺶-ge now rents a small single room in 놅, and that Lu Qingyang moved out after selling the house.
The room was very simple, with almost nothing superfluous. Brother Gye was looking at something on the computer.
"Brother, is everything settled with the house?" Lu Zhitao asked casually, rubbing his hands together.
"Hmm." Lu Qingyang didn't even look up.
"So... are you financially better off now?" Lu Zhitao probed. "Xiaomei and I looked at a two-bedroom apartment, but we're still short 150,000 yuan for the down payment. What do you think..."
Lu Qingyang then turned his chair around and looked at her: "150,000 short? How much have you saved yourself? How much can both families contribute? How much are you planning to borrow? Have you calculated the monthly payments? Have you assessed the job stability?"
A barrage of questions came at Lu Zhitao, leaving him a bit bewildered. He mumbled, "It's just... these few. My parents chipped in a little, and her family contributed some. The monthly mortgage payment... is a bit of a burden, but with the two of us together, we can manage."
Lu Qingyang repeated the word softly, then shook his head. "Zhitao, I've told you before, now is not a good time to buy a house. The downward trend in housing prices has just begun. If you rush to buy at a high price and end up with a mountain of debt, with uncertain income prospects for the next few years, the risk is too great."
"But I want to get married! Xiaomei's family won't agree if I don't have a house." Lu Zhitao got anxious, and his voice rose a little. "Brother, you have money, can't you help me first? Consider it a loan, I'll write an IOU."
Lu Qingyang paused for a moment, then stood up, walked to the window, and looked at the old, run-down street outside.
“I left 100,000 for my parents’ retirement. I used the remaining 100,000 to buy a bank savings account yesterday.”
"What?!" Lu Zhitao could hardly believe his ears.
"100,000... all bought in gold? Are you crazy, bro? You can't eat or live in that stuff, it's just a number. Gold prices are so high right now, you... didn't you even think about your younger brother who needs to buy a house and get married?!"
놛 was so angry that her chest heaved, feeling that 꺶 was simply unreasonable.
Even though he had already asked, Brother Ge would rather exchange his money for cold, hard metal and deposit it in the bank than lend him a hand.
Lu Qingyang turned around, his face expressionless but his eyes serious: "It's because gold prices are consolidating at high levels, but in the long run, it's a safe-haven asset. During economic downturns, it's more reliable than houses. I told you, don't buy a house now. If you have money, you might as well buy some gold, or simply hold cash and wait and see. As for getting married, rent a place. Find a suitable time, rent a decent place, and you can live your life the same way. Wait a couple of years until the market becomes clearer, then you can consider buying. By then, you'll have more savings."
Lu Zhitao was furious. "Rent a place to get married? What will the woman think? Where will my pride be? Brother, how could you become so...so selfish! You only think about your own interests, can't you think about me? I'm your own brother!"
As soon as the words left her mouth, she realized they were a bit harsh, but she was still angry and glared at Lu Qingyang with her neck stiff.
Lu Qingyang walked back to the table, took an envelope from the drawer, and pushed it in front of Lu Zhitao.
"Here's 30,000 yuan. It's for your wedding, to buy some things, or for emergencies, or for buying a house. I can't give it to you. I'm your brother, not your ATM, and certainly not someone who will bail you out for life. Some paths have some risks, and you have to see them clearly and bear them yourself. You don't have to listen to what I say, but you have to understand the consequences yourself."
Lu Zhitao grabbed the envelope, his lips moved, but he ultimately said nothing and turned to leave.
With the sale of the house finally settled, Lu Qingyang went to his parents' house for dinner on the weekend.
At the dinner table, I didn't say much. After finishing the meal, I helped my mother clear the dishes before pushing the folder in front of my parents.
"Dad, Mom, please keep this."
Mr. Lu put down the newspaper in his hand, and Mrs. Lu wiped her hands on her apron and took it with a puzzled look.
Upon opening it, I found several bank-issued "accumulated gold" holding certificates with anti-counterfeiting marks, specifying the weight and the original purchase price.
“This is…” Mrs. Lu looked at the string of numbers, her hands trembling slightly, and looked up at her son.
"Qingyang, why are you giving us this? We don't want your money. Your dad and I are still able to work, the restaurant is open, we won't go hungry. But you, you sold your house and now you're renting a small room, and your job isn't stable. Keep this money for yourself."
Lu Qingyang had already anticipated that his parents would decline.
"Dad, Mom, this isn't for you to spend now, it's for saving, just in case. This money has been exchanged for gold and is in the bank, so it's relatively safe. Keep the receipts safe, and I've set the password to Mom's birthday."
If I ever encounter an emergency requiring money, such as when I'm unwell or the restaurant is facing cash flow problems, I can go to the bank and exchange the money according to the procedures, or use it as collateral. It's more reliable than cash or a savings account.
After much persuasion, the parents finally took it back.
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