Perfection of Rebirth

Chapter 62

He Ling thought for a while and began to say: "When I was very young, what I hoped most was that my parents could accompany me every day; when I was in elementary school, I liked singing and dancing at that time, so I dreamed of becoming a great singer when I grew up. Singer and dancer; after entering junior high school, my studies gradually became heavier, and I had very little spare time. I felt that I had to listen to teachers and parents in everything, so my dream at that time was very simple, that is, to grow up quickly; When I entered high school, it basically revolved around the college entrance examination. The teacher always instilled a thought that after a few years of hard work, it would be easier to go to college. So at that time, I didn’t have time to think too far. I was liberated; but now that I am in college, I find that the world is getting more and more complicated, and I am a little confused, what kind of life do I want?".

"It's normal to be confused. Everyone will have different confusing matters at different stages. When you have an epiphany at a certain moment, you will immediately stop being confused," Jiang Hui said.

"How can I get an epiphany? What if I can't get it all the time?" He Ling said.

"If you can't understand it, don't worry about it, just do the current thing, and slowly you will have new ideas," Jiang Hui said.

"Then what do you think the university should do? You said so much at the beginning of the semester, but I didn't see you do what you said?" He Ling said doubtfully.

"I'm telling everyone that if you don't understand what to do, just do what I say. If you can figure it out, of course there is no need to do exactly what others say," Jiang Hui argued.

"Then tell me something down-to-earth, what do you think I should do in these four years?" He Ling said.

"It's actually very simple. If you want to engage in scientific research, you should take good classes, and then you will go to graduate school and doctorate step by step. If you just want to go to university and then go to work, then you should learn English well and do more internships to understand the society in advance. After graduating and staying in the imperial capital, if the family has money, they will buy a few more houses. If the family has no money, they will find a way to borrow money to buy two houses first, and then eat and drink. When they are free, they will travel around the country and wait. Housing prices appreciate and become a rich generation," Jiang Hui said.

"What you said is vulgar and has nothing new. According to your way of living, life is so monotonous. Besides, why do you think housing prices will definitely rise?" He Ling said.

Jiang Hui wanted to say that it was not that I thought housing prices would rise, but that the actual situation in later generations proved that housing prices would skyrocket.Now the houses around the school are less than [-] square meters. When Jiang Hui was reborn, you didn’t even think you could buy it for an extra [-].

"How do you say this? The combined effect of many factors. You see, if ordinary people in China have some money, what else can they do other than buy a house? There are no other good investment channels, and the money can only go in. property market," Jiang Hui said.

"I can deposit my money in the bank, but I don't necessarily have to buy a house," said He Ling.

"Let me ask you, what is the difference between the 100 yuan ten years ago and the 100 yuan now? The purchasing power is too far away. What about the 100 yuan ten years later? If you deposit the money in the bank, the interest will never catch up with the currency. Expansive," Jiang Hui said.

"You just said one reason, what about the others?" He Ling asked.

"Another very important thing is that under the current bank loan system, no one dares to let the house price fall. It can only go up. You see, when a developer borrows 1000 million from ICBC, he only needs to use 500 million To develop a house, and then increase the price, and then mortgage the house under development according to his selling price standard to get another 2000 million loan from the Agricultural Bank, and then use 2000 million of the 1000 million to develop a house with a higher price I came to China Construction Bank for a mortgage loan of 4000 million. This is like a snowball. It doesn’t matter whether the house can be sold or not. The "high retail price of real estate is used as collateral, so naturally it is getting better and better from bank loans.

Then the result of this is that house prices can only climb but not fall!Because you can't fall!Once it falls, the money loaned by the bank will never come back.This is the government's bank, the government's money! ", Jiang Hui said.

"It sounds exaggerated," He Ling said.

"Those are part of the reasons, and part of it is objectively that with the development of the economy, urbanization is accelerating, more people are coming to the city, demand is rising, and prices are also rising," Jiang Hui said.

"It's easier to understand, let's talk about other reasons," He Ling said.

"There is also the impact of land supply. All the land is in the hands of the government, and the revenue from land sales is the bulk of the local government's income. The local government promotes the continuous increase in land prices, so the price of flour has increased, and it is impossible not to increase the price of bread. .In addition, such as excessive currency issuance, the financial attributes of real estate have led to continuous rise in housing prices," Jiang Hui said.

"It's so complicated," He Ling said.

"There is also a rather funny reason. It is said that the increase in housing prices is due to the needs of the mother-in-law. Some people say that if the concept of the mother-in-law does not change, the housing price will not drop. It is said that someone has conducted a survey and found that only 18% of the mother-in-laws in the country are willing Accept daughters and son-in-laws to rent a house for marriage. Now is the time when the post-[-]s generation of the population will go to work. If everyone has to buy a house before marriage, this is a very big demand,” Jiang Hui said.

"Is the mother-in-law so influential? Not every mother is like this. My mother said that as long as I like it, I can marry whoever I like," He Ling said.

"I don't know if it has such a big influence, but most families want the man to have a house before agreeing to their daughter to marry him. I think it is quite in line with the actual situation. Your mother doesn't care about this. This is just an example. The more important thing is Maybe it's because your family has no shortage of houses," Jiang Hui said.

"My family is indeed more than one house," He Ling said.

"Then congratulations, in the future you must be at least a rich woman worth tens of millions," Jiang Hui said jokingly.

"It's not as exaggerated as what you said. If you want to say that, there are many millionaires in the imperial capital," He Ling said.

"It's unbelievable now. When the housing price in the imperial capital is 10,000+ a flat, you will find that a multi-millionaire is no longer a rich man, unless you have more than one house," Jiang Hui said.

"With your good words, I hope that I will become a female local tyrant soon," He Lingjiao said with a smile.

(End of this chapter)