Riding the wind of rebirth

Only Feng Xueshan knew what everyone had experienced last night. Although it was an overreaction due to a misunderstanding, it was still a bit thrilling. Now, seeing Mai Xiaomiao not daring to admit that he had done something wrong, and Zhou Zhi lying nonchalantly, she couldn't help but laugh again.

Barbie Q’s suggestion is very good. This way, Feng Xueshan doesn’t have to work alone. Everyone can help. However, before preparing, everyone should visit the house that Feng Xueshan bought.

The first personal housing loan was issued in May 1992. However, it was not until May last year that the "Trial Measures for the Administration of Housing Secured Loans" was issued and implemented, which provided a legal basis for mortgage business.

It was not until 70 that the "Trial Measures for the Management of Personal Housing Secured Loans" was released. The maximum loan ratio was 20% and the longest term was years, which really boosted people's enthusiasm for buying houses.

One of the reasons why second-hand houses are sold at a low price now is that it is difficult for people to raise a large sum of cash to make a deal.

The Shuda branch where Liu Yushu works is one of the banks that started the mortgage pilot program quite early. It was also because a major client, Jinli Group, opened an account at the Shuda branch, and there was indeed a need for mutual cooperation between the two parties in commercial housing development and sales and project loans that the head office and the provincial branch opened such an opening.

As the first to take the plunge, Jinli Group and Shuda Branch have surpassed their peers in their respective business development.

Generally speaking, mortgages are a hassle, and "mortgage transfer" cases like Feng Xueshan's are even rarer.

"In fact, these have long been common phenomena in coastal special economic zones," Zhou Zhi said. "The steps taken by the inland areas are still a little too cautious."

"But it's fortunate that Xueshan got such a great bargain thanks to her carefulness." Zhou Zhi said with a smile, "This piano alone costs tens of thousands of dollars, but the previous owner even gave it the decoration as a gift."

“I don’t know why they like foreign countries so much.” Mai Xiaomiao said: “Actually, I think China is pretty good.”

That's because the people you meet are all pretty good, Zhou Zhi thought to himself, but he said something else: "It's mainly because of the income. Now in China, except for businessmen, the average working class can earn more than 1,000 yuan a month. Fifteen thousand a year is considered pretty good."

"And the average income per capita in the United States is 24,000 US dollars. Adding the 1:7 exchange rate difference, it would be 170,000 RMB."

"What does this per capita income mean?" Hu Tianyu was a little confused.

"The per capita income is roughly the same as what you can get from normal labor." Zhou Zhi said, "Overseas, it's about what you can get from washing dishes, working as a fast food clerk, or working at a gas station, right, Xiao Miao?"

"Yes." Mai Xiaomiao nodded: "But you earn money in the United States and spend it in the United States. Unless you can save money and send it back home, you won't be able to enjoy the exchange rate difference."

"Basic daily necessities in the United States are still quite cheap now." Zhou Zhi said, "Plus, the Chinese are hardworking and most of those who go abroad can settle down and have some savings, which they can indeed send back."

"But for a family like Xueshan's former owner who can afford the Caotang community and live a very comfortable life in China, I personally think there is no need for them to leave unless there are special reasons." Zhou Zhi smiled and said, "The decoration of this house plus furniture, electrical appliances, piano, etc., at least cost more than 100,000 yuan. Together with the house itself, the total value is more than 500,000 yuan." "Such family conditions are rare in China. Xueshan and the monk hurriedly changed their minds and went abroad only half a year after the decoration was completed. They picked up a big bargain!"

"Can we still raise funds to build a house now?" This house really made Hu Tianyu feel at home: "Can our group also provide welfare for collective housing?"

The salaries offered by the Clover Group are very high, but they bear the marks of modern enterprises and even some foreign companies. On the contrary, they do not pay much attention to things with Chinese characteristics such as welfare housing and collective housing. When Hu Tianyu said this, Zhou Zhi thought of the actions that Zhou Liu Niang Food Group had taken in Jiachuan.

After making their first pot of gold, my aunt and sister Xiao Juaner did not use it all to expand production capacity immediately. Instead, they built welfare housing for the company's employees. This greatly enhanced the cohesion of the entire company and allowed the workers working at Zhou Liu Niang Food Company, a small private enterprise at the time, to be proud of themselves in Jiachuan County. Their spirits were different.

Thinking that real estate will become a heavy burden on ordinary working class people in more than ten years, Zhou Zhi felt that Hu Tianyu's idea was good: "We neglected it. We should do this. We can completely entrust Brother Wu and others to help us develop a community as collective welfare housing for the unit."

"In addition, if our employees are unable to obtain mortgage loans from banks due to some eligibility issues, we can allocate funds from within the group to cover the cost, and then arrange internal mortgages within the group with lower interest rates, and use part of the employees' income to repay the loans every month."

"That's even better." Hu Lidong quickly praised: "Although our group is young, many people have reached the age of buying property and starting a family. The boss is wise and has solved everyone's big problem!"

"You guys are awesome." Mai Xiaomiao was a little surprised when she heard Zhou Zhi's casual arrangement. "Even in big companies in the United States, there are very few benefits like this."

In addition to the taste of the previous owner, this house has a lot of Feng Xueshan's will. Feng Xueshan once had her own small dormitory in Manzhou, which was decorated very warmly at that time. Now with Yang He's deliberate management, the warm atmosphere is even stronger.

For example, Feng Xueshan likes flowers, so she put a lot of them in the room. European colors are relatively simple, so Feng Xueshan uses glassware, tablecloths, sofa cushions, and detailed paintings on the wall to blend the colors in the room, using their brightness to neutralize the original calmness of the room.

"I bought it casually, I'm afraid you won't like it." Seeing Zhou Zhi standing in front of a detailed painting of poppies in a vase at the corner of the living room and dining room, Feng Xueshan said, "It can't compare with your collections."

"No." Zhou Zhi smiled and said, "Because of Mr. Yuan, I am familiar with the painters of the Capital Academy of Painting. The artist of this painting is Sister Yang from the Capital Academy of Painting. She is a disciple of Tian Shiguang, and Tian Shiguang is a disciple of Dafengtang. His level is very good."

"If you had told me earlier that you liked her, I could have given you two paintings. Her flower and bird paintings are now quite famous. She has held exhibitions in both the island country and the United States. Xueshan, you have a good eye for buying paintings."

"How would I know about this?" Feng Xueshan said frankly, "Sister Qi took me to Shibi's house to buy this. She thought it would make the color of the living room lighter. The brushstrokes are delicate and the colors are what I like, so I bought it. Two thousand dollars is not a bad deal, right?"

"Music and art are inseparable." Zhou Zhi said, "Sister Qi's intuition is trustworthy. This painting will probably be worth more than 20,000 in five years, so keep it well." (End of this chapter)