Go back to the prosperous days and become a layman

Chapter 15House Mortgage
Tang Zhitong went home to comfort Tang's mother, used the space to put away the house books, praised his eldest sister, left the money, and asked her to call him if there was something at home, and then said goodbye to his family and prepared to return to the construction site.

When he got on the bus, the yard opposite had quieted down. Tang Zhitong decisively released twenty or thirty bees. The stimulation from words was not as memorable as the pain from the body.

The car entered Chongwenmen and drove north. At Tang Zhitong's request, Xiao Wang drove into Xishicao Hutong.

A family named Wan lived in Xishicao, and they used to be famous in the flower market.

The Wan family is well-known in the flower market. There is a four-door courtyard to the west of the Tang family. The two families can barely be considered close neighbors.

There are many businesses that the Wanjia engages in. After the founding of the People's Republic of China, some were closed down, and some were later jointly operated. The courtyard of the flower market was also rented this year. However, there is one business that the Wanjia has restrained but has never stopped, and that is lending. Also called loan sharking.

"Is Shopkeeper Wan at home?" Tang Zhitong asked Xiao Wang to park the car at the entrance of Xishicao Hutong and entered Wang's house alone.

"Hey, isn't this cool? There are few visitors, so come sit down and drink tea." Lao Wan was lying on a lounge chair under the shade of a tree in a cardigan, swinging a cattail leaf fan and enjoying himself. When he saw Tang Zhitong come in, he sat up and pointed at Mazar next to him to give way. .

"I won't drink the tea. I came here today to ask for something." After Tang Zhitong sat down, he took out his house book and said straight to the point: "I've been short of money lately, so I came to see you to help with some turnover."

"We are all old neighbors. If there is a shortage of 35 yuan, you can just use it." Lao Wanyi became more energetic after hearing this, and said pretending to be generous without lying down again.

"The gap is a bit big, you need to check the house book first." It was enough to listen to what was said in the scene. If he didn't take it seriously, Tang Zhitong pushed the house book forward.

"Is this transferred to you by the old lady?" Lao Wan picked up the house book, opened it and looked at it. It was a real thing.

"What happened a few years ago, when my grandma and my dad were both in poor health, my grandma transferred the property directly to me, which saved me one tax payment and saved some paper for the country." Tang Zhitong tried to fool him with a random excuse.

"The old lady thinks long term." Lao Wan closed the house book and put it on the stone table in front of him, sighing.

Tang Zhitong didn't answer. The old lady was really thinking long-term. Tang Zhitong hadn't figured it out last year. With the examples of Liu Zhang and his uncle, he finally understood.

There is a long-standing and distinctive behavior called "eating the dead", which is a behavior that forces people to die.Mrs. Tang had seen more. In view of her son's poor health, she took the necessary measures. Before she died, she directly transferred the house to Tang Zhitong and changed the real estate certificate.

"Everyone has difficulties. How many of our old neighbors have never eaten the pumpkin that the old lady ordered? Everyone knows that the old lady is kind and righteous. Now that you are in trouble, I can't do it, can I?" Lao Wan He was very emotional, and he brought the relationship closer in just a few words.

"That's your favor." Tang Zhitong continued, waiting for what Shopkeeper Wan would say next.

"One thousand, you can use it first, and the monthly interest will be one and a half. Although the old lady is gone, I have to accept the old lady's kindness. With you, I don't have to take the interest month by month. When it expires in one year, the principal and interest will be one cent." Just give it to me. If you can't get enough money by then, how about we find a way to cash in the house, and the extra money goes to you?" Lao Wan waved his fan leisurely, and didn't rush after he finished speaking, smiling. Wait for a reply.

"Shopkeeper Wan, isn't this valuation a bit low?" The bank's one-year regular interest rate is now 14.4%, which is equivalent to a monthly interest of one point and two cents. A monthly interest of one point and a half is indeed a conscientious price in the lending industry, but Tang Zhitong did not agree.

"I'm also doing it for your own good. The valuation is low and it will be easier to pay back when it's due." Lao Wan was exposed, and his face didn't turn red. He looked like he was thinking about Tang Zhitong.

"I understand all the rules, but you have to give me a fair price." Tang Zhitong didn't want to be derailed by Lao Wanduo, so he made it clear the way to go. "It's interesting." Lao Wancai was slightly surprised, pursed his lips, and said thoughtfully: "Your house used to belong to Lao Cheng's family, but it has not been completed. Your grandma has no intention of continuing to build it after taking it over for so many years. Buy and sell. The house needs to be appraised first. The boundary of your house is not good. I estimate that it can be worth 60 points at most. The housing management office’s guide price is 12 yuan and three points. I can pay up to 2000. The monthly interest is still one and a half, but it needs to be paid month by month. return."

"What you said makes sense." Tang Zhitong nodded in agreement, and took the opportunity to retreat: "If this house had been the same as when I was a child, let alone 2000, it would be a high price if it could be sold for 1000. After renting this year, a house like mine would be worth a lot of money." There are fewer and fewer houses with clear property rights. In recent years, the country is peaceful and the people are safe, and there are more and more people in Sijiu City. Houses have been built as far as Wukesong and Ciyun Temple. You must have a longer-term vision than I do. You guessed it? In a few more years, will the price of this house still increase?"

"You're not taking out a loan, you're here to sell the house." Lao Wan chuckled, "I'm relying on my judgment to eat this bowl of rice, but who can say for sure what will happen in the future? Besides, I saw it and left. Eye, I can’t cause trouble to you even if I pay compensation, right?”

"2000 is 2000, and the monthly interest is one cent and a half, but you have to pay back one lump sum when it is due. If you don't pay back, you can take over the house, and I won't have a problem with it." Tang Zhitong thought about it and said decisively.

"Sure, who knows that we are old neighbors who know everything about us? I will make an exception today, 2000, one-and-a-half monthly interest, one year, and pay it in one lump sum when it is due. I will say something ugly before that, if you don't pay it by then. If you go, you have to vacate the house, but you can't blame me for not being considerate of the neighbors." Lao Wan readily agreed.

The two discussed the price and details, and went directly to the broker to go through the formalities.

Middlemen are also called intermediaries. Before liberation, they were called dental shops, brokers, and fiber pullers. The fiber pullers charge fiber fees, which are agency fees.

There is a charging standard for fiber fees. According to industry regulations, it is 3% and 2%, that is, the buyer pays [-]% of the transaction amount to the intermediary and the seller bears [-]% of the transaction amount.

These 5% rely on their eloquence and poor information, and some of them cheat without conscience, so they can make more money...

Therefore, there is an old saying in Sijiucheng: Cars, boats, shops, feet and teeth, even if they are not guilty, they should be killed.

After liberation, the higher authorities recruited a group of people with good reputations and let go of those who had no evil deeds. There were also some people who were not worthy of publicity, such as bullying, collecting protection fees, and eating and drinking. During the purge a few years ago, they were all exempted. Went to Qinghe Farm.

After this battle, the three religions and nine streams in Sijiu City have been dormant for decades.

The house was finally cleared out.

Shopkeeper Wan came forward to find the middle-aged man, and everything was done according to the old rules.

At this time, there is no longer a term for "finishing", but it is called "pen brush polishing". The Chinese people bring their own pens, inks, paper and inkstones. The paper and calligraphy are good, but the brush polishing is not high.If there is a dispute about this order in the future, the middle party also has the obligation to testify or mediate.

Black writing on white paper, dried ink, clear money and deeds.

Tang Zhitong polished the pen in accordance with the rules, left the house book, and returned to the construction site with Xiao Wang with a small amount of 2000 yuan and a piece of deed.

　There has always been a valuation method for buying and selling houses, and it was used in 3 cities before the millennium.The official guide price is generally low. According to statistics, the actual transaction price is 5-171 times the guide price.The source of the information is page [-] of "Forty-Nine Real Estate Chronicles". If you are interested, you can take a look.

　　
　
(End of this chapter)