Zhou Chen nodded at him, and Zheng Juan politely handed the things in her hand to Cao Debao and said, "Hello, this is my first visit, I don't know what to bring, please don't mind."
"No, Zheng Juan, you are too polite, just come, bring something else."
"It should."
Xiao Guoqing, Sun Ganchao and Tang Xiangyang all greeted Zhou Chen: "Bingkun, you are here. We have been waiting for you for a long time."
Zhou Chen smiled and said, "Something delayed me. Xiangyang, you are here too. When did you come back?"
Tang Xiangyang said, "I came back two days earlier than you. I wanted to go look for you, but the old man at home was sick and I couldn't leave."
"It's okay. We can get together again when we get to Yanjing."
"Okay, let's call Lu Chuan along then."
After hearing what Zhou Chen and Tang Xiangyang said, Cao Debao couldn't help but ask, "I heard from Xiangyang that Lu Chuan has a girlfriend in Yanjing, and now he doesn't even come back for the New Year?"
Tang Xiangyang smiled and said, "Yes, the girl he was dating was from Yanjing, and there was no one left at home, so he didn't come back for the New Year."
"That's such a pity. Come to think of it, I haven't seen Lu Chuan for more than two years." Cao Debao said with regret on his face.
Qiao Chunyan directed: "Everyone, stop standing and sit down. Let's sit down and talk slowly. We have plenty of time. Debao, it's time to cook."
"Okay, wait, I'll go cook now."
As Qiao Chunyan became the director of the Women's Department, her status in the family naturally rose sharply. Now most of the housework at home is done by Cao Debao.
Cao Debao ran to the kitchen to cook. Qiao Chunyan asked everyone to sit down and then started chatting.
"First of all, we have to welcome my brother and Zheng Juan. We haven't gathered for a long time, and Zheng Juan rarely participates in our gatherings, so everyone should give them a warm welcome."
After saying that, Qiao Chunyan took the lead in applauding, and the others also applauded with a smile.
Sun Ganchao said, "Chunyan, don't blame Bingkun for not coming to the party. It was you who offended Bingkun in the first place."
Qiao Chunyan angrily said, "Go away, get out of here. That was a long time ago. My brother doesn't even bear a grudge, but you insist on bringing it up."
Sun Ganchao laughed and said, "I'm telling you to remember the lessons learned from the past, hahahaha..."
"roll."
Qiao Chunyan glanced at Zhou Chen and found that Zhou Chen didn't mind, so she felt relieved.
"Brother, Xiangyang, none of us have been to the capital, Yanjing. Can you tell us what Yanjing is like? Is it spectacular and crowded?"
Wu Qian, Yu Hong and others also became interested and followed Qiao Chunyan to ask questions.
"Yes, I've only seen the capital on TV. Have you ever been to Tiananmen Square or the Forbidden City?"
"There's also the Great Wall, and those high-ranking officials on TV, have you seen them all?"
"........."
Tang Xiangyang said: "I am usually busy with my studies and rarely go out to play, but I have been to Tiananmen Square and climbed the Great Wall, which are indeed spectacular."
Zhou Chen didn't say anything. He had been to all the places they talked about. To be precise, he had been to most of the scenic spots and historical sites in the country, of course, in different parallel worlds.
Qiao Chunyan looked at Zheng Juan again: "Zheng Juan, you have also been in Yanjing for two years, you must have been to many places, right?"
Zheng Juan replied tactfully: "I've been to some places. Bingkun took me there, but I didn't understand much. I just followed and watched."
Thinking back to the time when Zhou Chen took her out for a tour and the spectacular sights they saw, she was very excited.
In the past, she had no time to go out and play, let alone see so many places of interest. Her worldview was overturned at that time, and she realized that there were so many interesting places in the world.
The four women were talking there, and Zhou Chen and four other men were also sitting together chatting about men's matters.
"Bingkun, if you are free in a couple of days, please go to your house and Zheng Juan's house. We have kept them well for you. If you see anything that needs to be done, tell us and we will help you."
Ever since Zhou Chen went to Yanjing to attend university, the Zhou family's old house and the Zheng family's house in Taiping Hutong were handed over to Xiao Guoqing and Sun Ganchao.
Xiao Guoqing and his wife live in the Zhou family's old house, while Sun Ganchao and his wife live in Taiping Hutong.
Naturally, the Zhou family's house was better and bigger of the two houses. Sun Ganchao and his wife naturally had their own ideas, but Wu Qian was occupying it and they couldn't say anything. They could only move to Taiping Hutong. At least they wouldn't have to sleep in the same room with their parents and sister.
Zhou Chen said: "Then I will go and have a look in a couple of days when I am free."
Although he did not value these two houses very much, he would not let Xiao Guoqing and Sun Ganchao do whatever they wanted, especially the Zhou family's house, which was Zhou Zhigang's treasure and he would definitely take it back in the future.
Cao Debao was quite quick and soon prepared a table of dishes.
"The cooking is just average, so please make do with it. I'll get you some wine."
Cao Debao provided one-stop service, and Qiao Chunyan placed cups in front of everyone.
"I'm the boss today, so don't be polite to me. Everyone, have a few drinks. Juan'er, you should have some too."
Zheng Juan waved her hand quickly: "No, I won't drink. I still have to take care of the children when I go back. It's not convenient to get drunk."
Wu Qian shouted, "Hey, Juan'er, that's not right. Among us, who doesn't want to take care of the child? Besides, don't you have your parents-in-law to help you take care of the child? Unlike me, I have to serve the whole family after dinner."
Xiao Guoqing scolded in dissatisfaction: "Come on, why are you everywhere? Can't you say less?"
Wu Qian said rudely, "If you don't want to listen to me, you can leave. Can you go back and serve me?"
"you."
"Guoqing, shut up. As women, how many times can we take a break in a year? Can't you just give Wu Qian some rest?"
"I won't let her?"
Xiao Guoqing wanted to say more, but Zhou Chen pulled him and shook his head. Then he let out a breath and stopped talking.
"Okay, it's my fault, it's my fault, okay."
"Eat and drink."
With the presence of two eloquent people, Qiao Chunyan and Cao Debao, the atmosphere at the dinner table was very lively. Everyone was drinking and eating with laughter.
Zhou Chen and Zheng Juan both seldom speak, and even when others talk about them, they just respond with a few words.
After eating and drinking, everyone began to speak freely.
Cao Debao drank a lot of wine, and he was drunk, so he started to speak without thinking.
"If you ask me, among all of us, Bingkun is the best, the most promising, and the most capable."
"I agree with this."
"I agree too."
Xiao Guoqing and Sun Ganchao both raised their hands in agreement, and Qiao Chunyan even gave a thumbs up.
"Of course, my brother, this is my brother, Qiao Chunyan's adopted brother, how can he not be capable?"
Zhou Chen waved his hand and said, "No, I'm just a poor student now. How can I have any achievements or abilities? You guys are praising me too much."
"This is not a compliment, this is a fact."
Cao Debao said in a hoarse voice: "Among all of us who have played together, only you, Xiangyang and Lu Chuan were admitted to university. But no matter Xiangyang or Lu Chuan, they are not as capable as you. Look at your house, it's like a small villa. It's the first among us, Xiangyang, do you agree?"
Tang Xiangyang said: "I agree, I agree. I also admire Bingkun very much. You don't know that Bingkun is doing very well in Yanjing."
"Let me tell you, let me tell you, my judgment of people is never wrong."
Cao Debao raised his head proudly: "We have all been to Bingkun's house. That house is so magnificent. We originally thought it was rented, but who would have thought that they had already bought it a long time ago. At first, we were squeezed into a small house with our family, but Bingkun has already bought a big house."
"Speaking of this, I actually have a question. Bingkun, your house is not cheap, right? You worked in a publishing house, and your salary should not be very high. And I heard that your uncle and aunt didn't contribute. How did you earn the money to buy the house? Can you share it with us?"
As soon as Cao Debao said this, the atmosphere in the room suddenly became weird, and everyone couldn't help but look at Zhou Chen.
In fact, it was not only Cao Debao who was curious, but others were also curious, because Zhou Chen's house was there, and it was obvious at a glance that it was not cheap, definitely over a thousand.
What did one thousand yuan mean a few years ago? And they all knew that Zhou Chen's family lived well and his monthly living expenses were definitely not small.
The old man didn't contribute any money, but the family spent a lot of money. Zhou Chen was the only one who earned money, and yet he could afford such a house. This was something to talk about.
Zhou Chen looked at Cao Debao with a smile on his face. How could he not see that this guy was asking this question on purpose, taking advantage of the alcohol?
Sure enough, he knew that Qiao Chunyan and Cao Debao called him over for more than just a meal.
Qiao Chunyan gave Cao Debao a slap and said dissatisfiedly: "Debao, you have nothing to do after eating, right? This is my brother's business, why do you care so much?"
Cao Debao cooperated very well and said, "Bingkun, I'm so sorry. Look at my mouth. I can't tell what to ask and what not to ask. I deserve to be beaten."
As he said this, he actually slapped himself twice.
(End of this chapter)
Chapter 604: Parting on bad terms, visiting the Hao family
"Snapped."
Cao Debao slapped himself twice, neither too hard nor too light.
"Bingkun, I'm so sorry. I drank too much and said something I didn't think should be said. I'm sorry."
Cao Debao's look made Sun Ganchao, Xiao Guoqing and Tang Xiangyang frown secretly.
Sun Ganchao and Xiao Guoqing have a good relationship with Zhou Chen. Although they are also curious about why Zhou Chen can make so much money, they know that it is his ability.
Zhou Chen has treated them badly over the years, often treating them to food and drinks, and giving them good cigarettes and wine.
Although they would also help Zhou Chen do some things, compared with Zhou Chen's efforts, they obviously gained more benefits.
Tang Xiangyang's idea was even simpler. After leaving Jichun and entering Yanjing, he could be considered a worldly-wise man, so he looked down upon Cao Debao's behavior of scheming against his friends.
Compared to Cao Debao, he would feel more comfortable with Zhou Chen.
How Zhou Chen makes money is his private matter. Why are you asking him in public?
Zhou Chen did not show any dissatisfaction on his face. Instead, he said with a smile: "It doesn't matter. It's not something shameful. There is nothing to be ashamed of."
Zheng Juan looked at Zhou Chen anxiously. She knew where Zhou Chen made his money, but that way of making money was not a normal way. If reported by someone with ulterior motives, it would definitely be considered speculation.
Although everyone here is a friend, people’s hearts are hidden, and she definitely doesn’t want Zhou Chen to tell the truth.
But how could Zhou Chen really tell the truth? Under everyone's curious and excited gazes, he slowly told the "truth".
"Actually, things are not as you think. I did buy our house, but I didn't pay for it in full. I paid in installments."
"installment?"
Everyone was stunned, even Zheng Juan looked bewildered. She thought Zhou Chen would tell the truth, but she didn't expect Zhou Chen to give such an answer.
Wu Qian asked eagerly: "What is installment payment?"
Tang Xiangyang asked, "Bingkun, do you want to pay in several installments?"
"Xiangyang is right."
Zhou Chen nodded and said, "The meaning of installment payment is that when I buy a house, I don't need to give all the money to the seller at the beginning. Instead, I give him a part of it first, and then pay him the rest in several installments. I have made it clear to the seller that I will pay him back in five years. In this way, in addition to the first payment, I only need to pay a little over a hundred every year afterwards."
Cao Debao was shocked and said, "Isn't the person who sold the house a complete fool? If you give it to him in five years, isn't he afraid that you won't pay it back?"
Qiao Chunyan was quite smart and asked in confusion: "Brother, is it possible that your property certificate has not been changed? I will transfer it to you after I pay off the money?"
Zhou Chen looked at her like a fool: "Do you think I'm that stupid? Would I be willing to pay if the property certificate is not transferred?"
"But that doesn't make sense. Is that person really a fool?"
When they first heard that Zhou Chen bought the house in this way, Xiao Guoqing, Sun Ganchao and others all found it unbelievable. Their thoughts were similar to Cao Debao's, thinking that only a fool would make such a deal.
Only Tang Xiangyang frowned and said, "Bingkun, things shouldn't be as simple as you said. Anyone who can own a house like that can't be a fool, right?"
"Of course, who in this world is a fool?"
Zhou Chen chuckled and said, "The installment payment I mentioned is not as simple as you think. The money is indeed paid in installments, but there are some issues in between. I promised the landlord that in addition to the first payment, I will pay him an additional 10% interest on the remaining money based on the principal."
"Think about it, how much interest is earned by depositing money in a bank now? I gave him 10% interest all at once. Isn't that much more cost-effective than the bank?"
“Do I have to pay interest?”
Qiao Chunyan and others looked at each other in surprise. They really didn't expect this.
Wu Qian asked: "Isn't this the same as loan sharking? Isn't the risk too great?"
"Yes, Kun'er, even if you are willing to give an extra 10%, there is still a great risk. Why did they agree to it?"
Zhou Chen explained slowly: "This is the key. Don't forget where I worked before. I know many leaders of publishing houses. They can guarantee me. The seller is a retired employee of the publishing house. In this way, he will certainly trust me."
After hearing this, Tang Xiangyang praised: "Pay in installments, pay interest, find a guarantor, and you can get the house first by paying only a small amount of money. Bingkun, you are really amazing."
After hearing Zhou Chen's explanation, the other people also came to their senses. In fact, it was not very difficult to understand, but they had never been exposed to it before. Now that Zhou Chen explained it, they almost understood the meaning.
Xiao Guoqing gave a thumbs up and said, "Bingkun, you are really capable. If it were me, I would never have thought of this."
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