Chapter 731: Chapter 496 Buying a House (Part 2)
ntioning houses for export, Han Yu roughly understood what was going on.
Because the export houses are the highest-end residential areas in East Sea, most are built by developers from Hong Kong and Singapore.
They are all high-rise buildings with elevators, beautifully decorated inside, and many materials are imported; once completed, they are all sold to foreigners and overseas Chinese.
You can’t buy them with RMB; you must use US dollars to purchase.
The nas of the apartnts are also fancier than the others, such as Gem Apartnts, Diamond Apartnts, Golden Lion, Golden Horse, Golden Dragon, Golden Elephant Apartnts, and then there’s Ro Garden, Lyon Garden, Athens Garden, and so on.
At the beginning, they sold very expensively, reaching more than 1300 US dollars per square ter at the peak!
A staff mber from the Marine Bureau had a grandfather who was an Overseas Chinese; he ca back and bought a set for his family, and it is said that the community is full of foreigners and even has an outdoor swimming pool.
These export houses are mostly concentrated in Gubei, so there’s a popular saying in East Sea: if you want to travel abroad, you might as well go to Gubei first.
Anyway, export houses are not the kind of houses ordinary people can afford to see.
Han Yu looked at her senior with a bewildered expression, gripping her phone and bitterly smiling, "Uncle Xiao, even if export turns to dostic, it won’t be cheap. How can I afford it; do you think I dare to go see it?"
"But now you need to register households, at least two, and anyway, you’re going to spend so much money, why not go see it."
"What’s the na of that apartnt, how much per square ter?"
"It’s called Zhujiang Rose Garden, a colleague of mine’s partner works at that real estate company, she said it’s now at half-price, can be bought for just over five thousand."
"Over five thousand per square!"
"Co see it tomorrow first, looking doesn’t cost money, and besides, your goal is to register households, you can’t do it without spending that amount of money; with the sa amount of money, why not look at more options."
"Okay, I’ll go have a look tomorrow, no need to have lunch then."
"Let’s talk when you co tomorrow."
...
The next day early in the morning, they continued to trouble Mr. and Mrs. Huang Jiangsheng.
They drove to Zhujiang Rose Garden, and sure enough, Director Xiao’s colleague’s partner was waiting at the gate.
After exchanging pleasantries, they ca in for a visit.
Before entering, there was not much feeling, but after coming in, they found that the houses they had seen before could not compare in either environnt or location.
The high-rise building of over twenty floors is not far from Huangpu River.
The apartnt layout is quite nice; open the north-facing window and you can see the Huangpu River, and even the Gongping Road Ferry.
"Director Xiang, how about this apartnt?" Director Xiao asked with a smile.
Xiang Fan had never entered such a high-end house before, murmuring, "Pretty good, not just pretty good, it’s really good!"
Director Xiao turned to ask with a smile, "Ningning, Xiao Han, Xiao Zhang, do you like it?"
"Who wouldn’t like such a beautiful house, but the key is that it’s too expensive, we can’t afford it."
"Yeah, how much would it cost to buy such an apartnt!"
"Xiao Wu, please give us an introduction."
"Sure."
Director Xiao’s colleague’s partner smiled slightly, holding the brochure and animatedly said, "It’s not cost-effective for others to buy, but it’s most cost-effective for you. Our house, although more expensive than East Gully Seven Village, but this is an export house, it’s high-rise, with location, area, and building quality clearly stated, you get what you pay for!"
Han Xiangning curiously asked, "Sister Wu, how is it cost-effective for us to buy?"
"Because you aren’t living in it."
"Not living in it makes it cost-effective; I don’t quite understand."
"Not living in it, you can rent it out. Like our houses here, the monthly rent is no less than 1500. Many bosses co here to rent apartnts to open companies, and there are foreigners working in Lujiazui who co to rent as well."
Seeing everyone looking skeptical, Director Xiao’s colleague’s partner explained again with a smile, "Our company ca from the South Sea, the real estate there was very hot in previous years, then it collapsed. Our company suffered a lot of losses, if not for urgently needing to recoup capital, our company would not be selling export houses as dostic."
Han Xiangning absolutely loved the apartnt and turned around, "San’er, I like it here!"
Isn’t this obvious? Such a nice apartnt, who wouldn’t like it? The key is the money.
Han Yu didn’t know what to say, when suddenly his mother-in-law asked, "Manager Wu, how big is this apartnt?"
"One hundred and thirty-two square ters."
"See if you can ask your leaders about a discount per square ter?"
"This is on the twenty-first floor, the top floor has a bigger discount. I recomnd you consider the top floor. If you’re interested, I’ll help you ask the leaders, but we should be able to get it for 5100 per square."
"The cheapest is still 660 thousand?"
"We can coordinate a national mortgage, we can help you apply for three households."
"Manager Wu, I don’t understand much about mortgages. If we decide to buy, how much do we need to pay up front, and how much to borrow from the bank, how much do we have to repay each month?"
"The down paynt is thirty percent, which is about two hundred thousand, and the remaining four hundred and sothing thousand will be paid off over twenty years, including interest, cos to more than two thousand a month."
Manager Wu paused for a mont, then added with a smile, "Our houses can definitely be rented out, and the monthly rent will certainly not be less than one thousand five hundred. Plus, our houses are fully furnished, so you can rent them out as soon as you buy them, which ans you’ll only need to pay about a thousand each month after that."
Han Xiangning couldn’t help but hug Han Yu’s arm tightly: "San’er!"
"What’s wrong?"
"Let’s buy this one."
You only have sixty thousand, and your parents have seventy thousand, which ans just the down paynt alone requires borrowing another seventy thousand. Not only will you have to pay back the bank loan of more than a thousand each month, but you also have to save money to repay the borrowed seventy thousand.
Speaking of which, apart from Little Han Han, all five family mbers are earning salaries. But the total monthly wages of the four adults add up to just over two thousand eight hundred. How many years will it take to pay off a debt of several hundred thousand all at once?
What’s more crucial is whether the house can be rented out after purchase is still a question.
Even if it can be rented, it’s frustrating to think that the rent could cover a portion of the mortgage. The whole family works themselves to the bone to buy a house and pay the mortgage, but our own family mbers don’t even have the chance to live in it and can only let others stay. Isn’t this like the whole family working for others?
Han Yu didn’t know what to say, and the mother-in-law made the final call with a definitive: "Buy!"
"Mom, really buy it?"
"Such a good house, and it cos with the registration of three residency permits, why not buy it? I’m not scared, what are you afraid of?"
It seems that my senior’s crazy obsession with buying a house is hereditary.
The more Han Yu thought about it, the more frightened he beca. While he was lost in thought, Han Ning looked up and asked, "Manager Wu, you ntioned there are smaller ones?"
"The middle units, ninety-eight square ters."
"How much per square ter for a middle unit?"
"The middle units do not have through ventilation from south to north, so the price is similar to the top floor units on the edges."
"What about the specific floors?"
Manager Wu opened the folder and said with a smile, "We have them on the twenty-third, twenty-second, nineteenth, sixteenth, and fifteenth floors."
After weighing her options, Han Ning decisively said, "I’ll buy one too, my family only needs two residency permits, I’ll take the ninety-eight square ter one!"
"If we’re going to buy, let’s buy together. Manager Wu, can you take us to see the middle units!" Zhang Lan wouldn’t be left behind. As for where the money for the mortgage repaynts would co from, that would be a problem for later.
Director Xiao was stunned, unable to believe that "Gang Baining" was so wealthy that he was montarily speechless.
Watching the mother-in-law, the senior, the older sister, and Sister Zhang Lan follow Manager Wu to view the houses with high spirits, Han Yu covered his mouth and bitterly smiled, "They’ve all gone mad."
Director Xiao regained his composure and chuckled, "No worries, pay it off slowly."
"Even the down paynt has to be borrowed."
"Didn’t your mother-in-law just say? She’s not scared, what are you scared of, hahaha!"
"Uncle Xiao, you can actually laugh about this."
"The house is really nice; it was built to the standards of hos for export. That’s for those who don’t have so much money for the down paynt. If I had that much money, I’d buy one too." Director Xiao dragged him to the window, gazing across the water, then laughed again, "Salted Fish, co over here, from here you can see the Changxiu, and you can see my office!"
"It’s worth taking a good look now, once you buy it you’ll have to let others live in it, otherwise you’ll have no chance to see it."
"What do you an by that?"
"The whole family saves up to buy a house, yet we don’t even get a chance to live in it ourselves. What kind of situation is that?"
"When the mortgage is paid off, the house will be yours, and by then you can live in it."
"How many years will that take!"
"You should think of it the other way around. If you were to live there now, could you actually afford it? Besides, what you’re buying is not just a house; it’s also the registration for a family of three."
...
The news reached the Developnt Zone Branch of Linghai Police Bureau, and Xu Mingyuan was dumbfounded, losing all appetite for lunch.
The news reached Bailong Port Passenger Pier, and Zhang Jiangkun broke out in a cold sweat, sitting dumbfounded in his office for a long ti without recovering.
Zhang Ping kept comforting him, it was just borrowing a bit more, and you could pay it back slowly, at worst it would just be a struggle for twenty years. As a result, his wife Chen Jie heard the news and ca over to have a stern talk with him.
"Ningning bought one, Sister Han Ning bought one, even Zhang Lan bought one!"
"They have their lives, and we have ours. If they can’t get by, we still have to."
Zhang Ping didn’t envy Salted Fish and Zhang Jiangkun at all. Looking over his shoulder and thinking about it with a hint of sympathy, he said, "Spending five or six hundred thousand on an apartnt is like staking one’s entire life on it. I really don’t understand what they are thinking."
Chen Jie was envious of Han Xiangning and Han Ning. She had thought about discussing with her husband whether they should buy one as well, but then, looking back at Zhang Jiangkun sitting foolishly in the office, she felt her husband’s words made sense, so she said no more.
The news reached Bailong Port Shipbuilding Factory, and Friend Han was completely stunned. After hanging up the phone and walking out of the office, he tripped and took a bad fall.
Old Qian helped him up and asked if he needed to go to the hospital. His first response was no need, and the second was to hurry up and haul cargo on the river. He couldn’t stay in the shipyard focusing on building new ships any longer. Since the old ship hadn’t been sold yet, making each trip count would at least earn so freight charges.
The news reached the Dunship anchored in the Sanhe Waters, and Sister Ling sighed, "Ningning probably won’t buy new clothes for the New Year now, and she’ll presumably also refrain from buying fruits on ordinary days."
Jin Weiguo nodded, saying sentintally, "Salted Fish won’t have any spending money anymore. Instead of living a good life, they choose to make things hard for themselves. Why bother?"
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