Tiger Police

Chapter 537
Seeing Ma Chao's hard-to-communicate appearance, Hu Pingtao had no choice but to turn to Qian Yue: "Tell me what happened!"

Qian Yue wiped away the tears from the corners of her eyes, sighed, her face was full of numbness and sluggishness.

……

Strictly speaking, housing prices in provincial capitals are not high.Compared with the sky-high prices of tens of thousands or even 10,000+ per square meter in Beijing, Shanghai, Guangzhou and Shenzhen, the average house price in the provincial capital is around [-].

Ma Chao and Qian Yue dated for two years and got their marriage certificate the year before last.

None of them are locals and have worked in the provincial capital after graduating from university.Parents are in other places, no matter where they go, it is not easy to pay attention to. After thinking about it, I still feel that staying in the provincial capital is better for development and life is convenient.Of course, it is more about the future... After all, getting married means having children, and the education level of schools in the provincial capital must be higher than that in the prefecture. (This is just big data, Qujing No. [-] Middle School is an exception.)
The couple decided to buy a house in the provincial capital.

The house was viewed by two people together, and they both fell in love with Devon Castle by coincidence. A 120-square-meter house is considered a mansion in concept, and you can live in it for a lifetime.

From the day he decided to buy a house, Ma Chao had an indescribable aversion to Li Chaoren, which turned into disgust and hatred.

The game of "sharing" was created by Li Chaoren. For a 120-square-meter house, 24 square meters are shared by the commons. The developer also euphemistically said: The proportion of commons in Devon Castle is already very small.You go to other real estate to see, the shared share is at least 30.00%.

The economic environment of the year before last was not bad, a peaceful and prosperous age.All capital needs to make money, and it seems that investing in real estate has the highest rate of return.The local government was also happy to see the results, and offered a large piece of land to auction, which would benefit both parties.

According to the plan, Devon Castle is divided into six phases of construction.Phases 1000 and [-] were completed three years ago.The quality of the house looks good, and the structure of the apartment is also good. Buyers are flocking to it, and the price has been rising all the way—from [-] yuan per square meter when it was first launched, it quickly rose to [-] yuan per square meter.

When the construction of the third phase started, the developer had already obtained the pre-sale certificate.The planned kindergarten and elementary school are already in place, and the hospital is two-thirds completed. It is said that the municipal planning side will also connect the subway, and the connection point at the terminus has already started construction. The shield machine will dig here in half a year. It will be fully opened in the year after next year at the latest.

It's all good news, and the housing price has also risen, and it has been skyrocketing all the way, reaching a high price of [-] square meters.

The average price of [-] is just big data.For things like houses, the specific price depends on the location.Although the provincial capital of Yunnan Province is a third-tier city, there are still luxury houses of more than [-] per square meter in the core area.

Qian Yue likes this house very much.Facing the south, the lighting is excellent, and there are large French windows in the bedroom and living room.Especially the day when the house was inspected was sunny, and the room was filled with bright sunlight.Standing in the living room, Ma Chao and Qian Yue felt extremely comfortable.

In Qian Yue's words: "It's a kind of happy feeling, with a special atmosphere. I think this house is the house in this life, and I have to buy it no matter what."

The salesperson in the sales department was very skilled in speech, showing all kinds of data, the real estate was very popular, and there was no shortage of buyers.Moreover, Devon Castle has driven the surrounding housing prices to rise together. 90.00% of the houses in the nearby real estate have been sold, and there are only four houses left in the third phase of Devon Castle.

If you don't buy it, there will be no more.After this village, there will be no such shop, and it will be too late to regret it.

Women are good at bargaining, but the salesperson was unmoved at all. She said bluntly: There is no room for reduction in [-] square meters.If you want this house, you should pay quickly, if you don’t want it, forget it.Anyway, there are plenty of buyers.

Qian Yue was soft and stubborn, and the sales staff reluctantly agreed to reduce the price by 200 yuan per square meter, 260 yuan, and the total payment was [-] to [-] yuan.

Including deed tax and notarization fees, the total expenditure is around 270 million.

The down payment is 70.

Ma Chao and Qian Yue took out the money from the bottom of the box, and the two old people each collected some. The money basically emptied the savings of the young couple and the old man, and it was finally enough.

The monthly payment of the house is more than 8000, which will be repaid in 30 years.

Judging from the income of Ma Chao and Qian Yue at the time, there was actually no pressure to repay the loan.

Ma Chao works for a company that exports auto brake system components to foreign countries.His job is to communicate with overseas customers, dock and sign sales orders.

The automobile manufacturing industry is also one of the components of globalization.To capture higher profits, automakers outsource parts.The company that Ma Chao works for is such a company. Its annual profit is very good, and his personal income is also considerable. Under normal circumstances, his monthly income is more than 2 yuan, and in peak season it exceeds [-] yuan.

Qian Yue also has a good job. She works in an education and training institution as an English teacher.Although the basic salary is only 45 yuan, the main source of income in education and training institutions is teaching fees. A [-]-minute lesson is charged according to the lesson hour.Parents are willing to invest in their children.Qian Yue has a strong business ability, with more than [-] class hours per week. After one month, the income of nearly class hours exceeds [-].

Ma Chao and Qian Yue never thought about taking the public examination, nor did they think about changing jobs to public institutions.

For work within the system, Ma Chao has an extremely complicated mentality.On the one hand, he is extremely contemptuous, and on the other hand, he is also faintly envious.

The reason why I am envious is mainly because of the stability of my job. The words "iron rice bowl" are not bragging. The gold content is extremely high, and the harvest is guaranteed in drought and flood.

The reason why I despise it is because the salary is not high, and with subsidies, it only costs 7000-[-] yuan a month.It depends on the specific unit. If it is at the county level, the income is even less, and the monthly actual payment may only be in the early five thousand.

Welfare, labor, pension, and provident fund, together, the total is about [-] to [-].

Of course, the income of civil servants will be higher, and it must exceed the career number.

This is where Ma Chao's sense of superiority comes from.When his income was the highest, he once took over [-] yuan a month.And his working hours are very casual, as long as he completes the sales task.Seeing those people in the system working from nine to five, rain or shine, but he can get off work and go home early... He still feels quite satisfied.

Qian Yue is also very satisfied with her work.

Although she did not graduate from a normal school, she took a teacher qualification certificate.This is mainly due to the needs of the practitioners, and the other is to think that if it is possible, maybe one day luck will come and I will be able to transfer to a formal teacher establishment.

But in terms of income, Qian Yue's monthly salary is definitely far more than that of an in-service teacher.

It’s really funny to say that English is hardly used in daily life, but parents send their children to education and training institutions, spending a lot of money to learn hard things, and this subject is also required in the high school entrance examination and college entrance examination. It really makes people feel that the clouds and mountains are surrounded by fog, and there are many idiot leaders in charge of education every year.

Although the couple just got married and have not been in society for too long, they are indeed satisfactory in terms of income and there is nothing to be picky about.As long as they don't work overtime on weekends, Ma Chao and Qian Yue will go shopping, watch movies, and go outing together... They have no plans to buy a car for the time being. In addition to repaying the mortgage and daily expenses, they still have a certain amount of money left over from their monthly income.

Qian Yue made a financial plan and bought the money into a fund.

The couple usually like to watch live broadcasts and enjoy the satisfaction brought by "chopping hands" consumption.

Within one or two years, they have no plans to have children.Qian Yue plans to wait until her job becomes more stable and she earns more money, then it will be more suitable to get pregnant at that time.Ma Chao also holds the same opinion. He thinks it is absolutely cost-effective to buy a house with a loan, and he will never suffer a loss. After all, this kind of real estate will definitely appreciate steadily.

However, since the end of the previous year, the situation has changed.

The car company did not give Ma Chao a salary increase as usual.It was a fixed amount, although it was only a few hundred yuan, but it was more or less an income, and more importantly, it was a peace of mind.

The company's argument is that the traditional automobile industry, that is, fuel vehicles, has been impacted by the rapid development of new energy vehicles, resulting in a decline in export sales of fuel vehicle braking system components.After all, there are only so many market shares, and there are more new energy vehicles, but there are naturally fewer fuel vehicles.

In the second year, last year, customers across the ocean canceled orders and turned to manufacturers in Southeast Asia.Among the orders that have not been cancelled, in addition to the indefinite delay in processing some goods, others are facing increased costs caused by tariffs and logistics.

In the middle of last year, the company's transaction volume had dropped by more than [-]%.At the end of the year, due to the decline in the number of orders handled, Ma Chao's performance was also not as good as before, which directly affected his personal income.

He calculated that the income fell by about 30.00% that month.

At the beginning of this year, Ma Chao's income plummeted to below 50.00% of the original.After paying off the monthly payment, there is basically not much left.

The company is far less lively than before, and it is very quiet every day.In the past, everyone was keen to discuss various profitable topics such as buying funds and stock trading, but now no one talks about it.Many people start playing games on their mobile phones to pass the time, sometimes playing for an entire afternoon.After all, when playing the game, I am very absorbed in it, and I don’t think about anything. It feels like it’s another world.

Someone in the company voluntarily resigned.

Ma Chao also thought about leaving. After all, he was half-dead, and his monthly guaranteed salary was several thousand yuan, so he felt ashamed to say it.But thinking that he still owed a large amount of money to the bank, he immediately backed out—thousands of dollars are money!Less is less, life is worse than death, and some income can relieve stress.

After Ma Chao's income plummeted the year before last, Qian Yue took on the financial burden of the family.She usually works more overtime and classes, and of course her income has also increased.In general, it is regarded as making up for losses outside the dike and inside the dike, and the monthly income is not bad, and can still maintain the previous level.

Qian Yue accounts for the majority of her monthly income of around [-] yuan.

Later, Ma Chao was also forced to resign—the company really couldn't sustain itself, and resignation was better than layoffs.

Since then, life has changed subtly.

Qian Yue's skin care products have changed.

It used to be a big European and American brand, at least Estee Lauder, and later it became a Japanese and Korean series.

Although the couple didn't like to cook, Ma Chao started to learn to cook and looked at the recipes with restraint.Qian Yue learned how to steam steamed buns, and also how to make steamed buns... In short, the two of them cook at home much more often than in the past, and they rarely go to fresh supermarkets such as Hema for shopping, but choose nearby supermarkets. vegetable market.

Ma Chao sometimes looks bored at home and plays games all night long.Qian Yue couldn't see it, so she couldn't help scolding him a few times, but Ma Chao never retaliated.

He understands very well that the daughter-in-law is supporting a family now.If you rely on yourself, it is difficult to eat.

In the middle of last year, Qian Yue lost his job.

On July 24, according to the "Opinions on Further Reducing the Homework Burden of Compulsory Education Students and the Burden of Off-campus Training" issued by the General Office of the Central Committee of the Communist Party of China and the General Office of the State Council, the "double reduction" policy was implemented.Over the years, the business volume of various education and training institutions in full swing has suddenly dropped to freezing point.

In Qian Yue's institution, all courses have been suspended.The subordinate department began to lay off employees, initially the employees with poor performance, and then the fresh graduates who had just entered the industry.Qian Yue is relatively older and has been in the company for a long time. She thinks that layoffs are not her turn. When her colleagues leave, she will say a few words of comfort and encouragement.

Three months later, she received a message from HR.

Qian Yue panicked... Apart from giving lectures to children and teaching English, she didn't know what else she could do.

It was already dark on the day after finishing the resignation procedures.Qian Yue sent a message to her husband, and Ma Chao comforted her: "The situation is not good now, no matter what, go home and eat first. I love you!"

Qian Yue was crying right then.

The husband and wife still have a deposit in their hands, not much, only tens of thousands of yuan.Originally, I planned to save too much and repay the loan in advance, but now it has become the only source of living expenses.

Find a job again.

Both of them prepared their resumes and started job hunting.Qian Yue has registered and uploaded resumes on many online platforms, but very few companies have contacted her actively.Even if there are several responses, they are all without exception: "Sorry, your experience does not match our business needs."

And a more blunt reply: "We don't need English teachers."

In order to increase his income, Ma Chao registered as an online car-hailing driver.The car was subcontracted from a friend, and he planned to run a few more orders every day to earn the difference.But he is not a veteran driver, he is not so familiar with the city's situation, and he is also very unfamiliar with the order acceptance rules of the platform.Especially the road conditions directly affected his speed of receiving orders... After a month, Ma Chao calculated that he had money and time, and he was trading at a loss.

There are more than 8000 mortgages to be repaid every month.

Every time they receive a text message about the balance after the bank deduction, the couple can't help but take a breath, feeling like they're sitting and eating.

For more than half a year, all the money in the bank card was spent.

Still haven't found a job.

The couple really had no choice but to apply for several credit cards successively, overdraft, and use the method of "repaying the loan with the loan" to make ends meet.

However, this is not a long-term solution after all.

(End of this chapter)