Rebirth of the era of struggle

Chapter 505 Precious Gift

early morning.

After the morning run, Lu Yang made an appointment with Xu Fengnian. He did not forget the promise he had made to Li Mingbo yesterday.

Today, Xu Fengnian has become the supervisor of the Greentown warehouse at Station C, with a monthly salary of tens of thousands. It is not an exaggeration to say that he is young and promising.

"Have you moved yet?"

The two left the community and walked towards the school before Lu Yang asked.

Xu Fengnian is now working in a warehouse, which is far away from Evergrande, but he commutes by bus every day, which is inconvenient. Last time Xu Fengnian said that he seems to be planning to rent a house in another place.

Xu Fengnian smiled: "At first, I wanted to change it, but after thinking about it, I think it's better to just buy a set at the end of the year. After all, the rented house belongs to someone else, so I don't dare to add any electrical appliances. Children can go to school right away. Now, we have to get a school district..."

In the past, Xu Fengnian didn't dare to think that the children would go to school in their hometown with a high probability, the wife would take care of the children at home, and the family would gather less and leave more. How could they be reunited in Green City as they are now.

"That's right, with your current salary, it's still very easy to buy a house."

Lu Yang replied, and then greeted the security guard at the school gate.

Xu Fengnian said: "Thanks to your support, boss."

Xu Fengnian knew in his heart that if he hadn't been favored by Lu Yang and changed his life, he might still be living in a real estate agency company, running around every real estate every day, and always smiling when he saw everyone.

It is definitely a world of difference from life now.

"I'll help you because you are a talent." Looking at the restaurant in front of him, Lu Yang said again: "Go, go to the cafeteria and have some rice porridge. I have a roommate who wants to buy a house. You can analyze it for him." a bit."

"I'm good at this." Xu Fengnian smiled.

in the restaurant.

Li Mingbo had already bought breakfast, and he and Shen Yan had been waiting for about ten minutes. When they saw Lu Yang and Xu Fengnian coming together, they got up and walked over.

Lu Yang introduced: "This is a friend of mine, Xu Fengnian... who used to be a real estate agent, you can ask him anything you want to know when buying a house."

"Brother Xu, hello, my name is Li Mingbo."

Li Mingbo was very polite and shook hands with Xu Fengnian.

"Hello, thank you for the early."

Xu Fengnian looked at the rice porridge and buns that he had already bought, and knew that Li Mingbo bought them in advance.

Li Mingbo said: "You're welcome, I have to trouble you."

The two chatted.

Lu Yang didn't know much about buying a house. Although he had bought a few, because he was rich, he could just do it simply and violently. But Li Mingbo was different. He had limited funds, so he needed to choose the most cost-effective one, and he needed a loan.

"How big a house do you want?"

While eating breakfast, Xu Fengnian asked.

The steamed stuffed bun next to Li Mingbo has not moved. He said, "I don't have much money, so a house with more than 80 square meters will do. It's best to be a small three-bedroom house."

This is also Li Mingbo's budget. The three rooms are just right. He and Shen Yan have one. If they have children in the future, they can live in the other one, and the other one will be reserved for his mother. If they buy a house in the city, Li Mingbo will definitely take his mother out of the mountain. His hard work and motivation come from this.

"There are 85-square-meter and 89-square-meter small three-bedroom houses. In fact, it is better to buy a second-hand house. The location of the second-hand house is good, and the shared housing is generally smaller. The area of ​​​​the house is relatively larger. How much budget do you have?"

Xu Fengnian analyzed.

Li Mingbo said quickly: "About 19, down payment..."

Xu Fengnian thought for a while: "With a down payment of 19, it's quite easy to buy a small three-bedroom house in Greentown. However, there is one thing, you seem to be students, and if you don't have a job or turnover, it's not easy for the bank to give you a loan."

"This..." Li Mingbo and Shen Yan looked at each other. They really haven't considered this matter. They are both students. They thought that buying a house can be done in installments, but it seems that the idea is a bit simple.

"If you are a student, can you just buy it in full?" Li Mingbo asked nervously.

He didn't want his plan to buy a house to die before he started, and it would end before it even started.

If he still buys the house in full, he will have to save for several years.

Xu Fengnian smiled and said: "Actually, it's not impossible. Buying a house with a loan has the house as a mortgage. Even if you have no income, it's not impossible. You just need to spend some money to find a guarantee. If you buy a new house, it's possible. To be simpler, the developer has some relationship with the bank, as long as there is a down payment, you can ask them to help you solve the rest, of course, it may not be possible, do you have a source of income?"

Lu Yang, who was eating, interrupted and said, "Ming Bo has been buying clothes at the west gate of the school, and his monthly income is at least seven or eight thousand. The down payment is all saved by him over a year, so it's no problem to pay back the money... "

"Seven to eight thousand a month, so much..."

Xu Fengnian was secretly taken aback.

When he was an intermediary before, if he couldn't make an order, he would only pay more than 2000 a month. He was struggling with food and clothing. Why didn't he think of selling clothes?
Xu Fengnian said: "You have a fixed source of income, so loans are not a problem. I didn't expect you to earn so much while still in school. College students are really different..."

Xu Fengnian never went to college, so he is quite envious of college students.

Li Mingbo scratched his head and said, "Actually, it doesn't matter if you go to college or not. I also owe it to brother Lu. He brought me to set up the street stall. Now every time I buy goods, brother Lu helps..."

Hearing that Lu Yang was helping, Xu Fengnian was not surprised at all. With the help of a noble person like the boss, it may be difficult to make money.

Skipping the topic of loans, Xu Fengnian asked again: "Have you thought about where to buy it?"

Li Mingbo looked at Shen Yan and said, "Actually, I prefer to buy a house near the school. I don't know how the price of the house here is, and if I can afford it."

There are still more than two years left before graduating from university, and the house is too far away, not only is it inconvenient to sell, but also, he can't live a two-person world with Shen Yan, and he can also take care of his studies.

It is best to buy a house near the school. Li Mingbo also likes the neighborhood where Lu Yang bought it, but he is worried that he cannot afford it. Lu Yang seems to have said last time that he spent 100 million when buying a house.

Based on the 60% down payment, the price that Li Mingbo could afford could not exceed [-]. After all, he still had to reserve some things like property fees and maintenance deposits.

After hearing Li Mingbo's words, Xu Fengnian said: "The houses near the school, the new houses mainly have three buildings, two in the east gate, one in the west gate, and your school has built a dormitory for faculty and staff, which is separated from the school by a wall. In fact, you can also buy it. It just seems that there is no title certificate, but the price will be cheaper in comparison, and if you don’t sell it yourself, it’s not bad..."

"Brother Xu, do you have any recommendations?"

Li Mingbo asked.

Xu Fengnian said: "Considering that if children go to school in the future, they will still buy large property rights. Ximen's Evergrande is actually good. There are also small three-bedrooms you want. The price is about the same as your budget, but the decoration is mediocre. And it's a high-rise... You can buy it at an average price of around 89 on the lowest floors, and the high-rises are a bit more expensive. I seem to have photos here, look for them and let you see..."

Xu Fengnian turned on the phone.

Find Penguin Album.

He saved a lot of photos in it. These were all saved when he was a real estate agent. After picking out the photos, Xu Fengnian handed the phone to Li Mingbo and Shen Yan for them to have a look.

The photo is a high-rise building in the Hengda District.

Unlike the bungalow bought by Lu Yang, the high-rise has a maximum of 25 floors, and the housing area is relatively small, which is the first choice for rigid needs. The bungalow bought by Lu Yang has a large area and a good layout, which can be regarded as an improved type.

Looking outside, Li Mingbo and Shen Yan are still very satisfied.

Xu Fengnian got up and changed the photo to the next one.

"This is the situation inside the house. You can also take a look. The decoration is simple and a bit rough. However, the advantage is that you can move in directly. If you don't like it, you can dismantle it and reinstall it..."

"what do you think?"

Li Mingbo looked at the inside of the house, and he was actually very satisfied. Xu Fengnian said that the decoration is not very good. From a professional point of view, Li Mingbo thinks it is already very good, as long as there is a floor and a big white. Very high, the key is to save a decoration fee.

But Li Mingbo seriously asked Shen Yan for his opinion.

Shen Yan looked at it and said, "I think it's pretty good, much better than the rental house you rented..."

After all, there is not much money, and the two of them dare not be picky, as long as they can have a house, what Xu Fengnian said is already very cost-effective.

Taking back the phone, Xu Fengnian said: "If you think it's okay, I'll help you find an intermediary, and you can also get some commission back. Don't worry, prepare your ID card, household registration book, single certificate, bank statement, and other information in advance. , I will add you as a friend, I will send you everything you need, and you will prepare according to... Leave the rest to me, just come and sign. "

Li Mingbo and Shen Yan expressed their thanks again and again.

For the people introduced by Lu Yang, they were very relieved.

With the help of professional people, they can save a lot of pitfalls when buying a house.

After breakfast, Lu Yang and Xu Fengnian left first. Before going to work, Xu Fengnian planned to visit the agency and say hello in advance... He is not an agency now, so it is not good to go directly to the sales department to ask for a discount, after all The commission given by the sales department to the intermediary company is to replace the part of the advertising cost of the real estate. Even if I go directly to the sales department, it is impossible to get much discount.

"Boss, that roommate of yours is really nice."

After leaving school, Xu Fengnian praised.

"Did you see your shadow from before?" Lu Yang chuckled lightly.

In fact, Li Mingbo is very similar to Xu Fengnian before. Both of them have poor family conditions, and they worked hard to survive early. The key point is that they are very serious in doing things.

"Yeah, we might become good friends." Xu Fengnian nodded.

Lu Yang smiled and said: "That's a good relationship. Anyway, you will stay in Greentown to live in the future. It's not bad to have one more friend and multiple paths..."

"Brother Lu, tell me, why don't I just buy a house in Evergrande."

Xu Fengnian looked at the neighborhood in front of him and said suddenly.

"The work is so far away, and the company is still in the new area, why did you buy a house here?" Lu Yang smiled lightly.

Xu Fengnian said: "I had this idea before, but I was hesitating all the time, and now I suddenly think it's good. I used to work nearby, and my biggest dream was to buy a house in Evergrande, and now I rent a house in the community. My wife and children are used to it, the environment of the community is also good, and the property is good. There are kindergartens, primary schools and universities nearby, which are also very good. The only disadvantage is that it is too far to go to work. I think I will buy a car after a year... Let’s talk It’s also funny, I’ve had my driver’s license for several years, and I’ve never driven a car, so I’ve forgotten it now.”

"That's fine, live together, and you can go out for a walk if you have nothing to do." Lu Yang didn't have any suggestions, but just nodded, but before entering the community, he said: "When buying a house, help me find out where the north gate is. How many shops are left, I will pack them all later.”

Lu Yang had this idea because Liu Qingqing had been with him for so long, Liu Qingqing had never expected anything extravagantly, and the only thing she got was a house and a storefront. Now the most precious gift she brought to herself, Lu Yang Yang also didn't want to treat her and the child badly.

That row of facades might be worth less than [-] million now, but after ten years, they will be worth at least half a billion. This gift is definitely heavy.

After explaining the last matter, Lu Yang returned to the community, and Xu Fengnian continued to walk along the facade outside the community.

After a while, Xu Fengnian stopped. He raised his head and looked at the big blue signboard on the door of IKEA Real Estate. Thinking of the bleak scene when they parted, he couldn't help but feel a little more mockery in his eyes.

(End of this chapter)