The next morning, Feng Yiji went to meet Zhou Tianyin and went out to see the house together.

Zhou Tianyin and Feng Yiji are both girls from the graduation season, so they naturally took the driver's license exam.

But the Feng family was originally poor and could not afford a car.

However, the Zhou family had a car early, and it was Zhou Tianyin's car that day. Zhou Tianyin's parents were used to driving by the driver. Even if Zhou's father had a driver's license, they would ask their daughter to drive on weekends.

"Hello uncle and aunt, I'll check the house recently, so I won't bother you." Feng Yiji opened the car door and sat in the passenger seat, and said hello to Zhou Tianyin's parents obediently. In fact, everyone is familiar with each other and doesn't look at each other very much. Feng Yiji is purely polite.

"Xiao Feng, your family also wants to change rooms?"

Zhou's mother Murong Ping casually chatted with Feng Yiji, while Zhou's father Zhou Tianming only nodded slightly and did not speak. It was obviously a common occupational disease.

Zhou Tianming is the president of the Municipal Intermediate People's Court. As a vital justice, he usually speaks with caution. Otherwise, if a casual sentence is misunderstood by people or media people, it would be a bad thing to interpret it as a professional judicial opinion.

Murong Ping is just a deputy director of the Local Taxation Bureau. If you don’t have to be responsible for your words, you will naturally talk more.

When Murong Ping asked, Feng Yiji didn't hide it and confessed directly: "Well, the original house had no elevator and was small, so it would be better for me to live in. If I have to do something in the future, I wouldn't be able to get a book, so I want to change it."

Murong Ping subconsciously cared about her niece because her daughter had a strong relationship with Feng Yiji. She was curious when she heard this: "What's the matter? Xiao Feng, are you looking for a boyfriend to get married?"

Feng Yiji's face turned slightly red, and she quickly returned to normal. She said openly: "How can you think too much of it? Auntie, you are thinking too much. You don't know that I am sick. This is what I will do in this life. I left it for my brother Xiaoxiong, and he will pay for the money to buy a house."

"So powerful?" Murong Ping asked casually, subconsciously disdained in her tone.

"That's~" Feng Yiji also forgot to be modest. Every time she talks about her younger brother, she is always proud. After saying that, she finds herself a little rude and tries to change the topic awkwardly, "Auntie, why are your family thinking about buying a new house? Is it still uncomfortable to live in the luxury house in the Baima Apartment?"

Baima Apartment was a famous luxury house in Qiantang in his early years, but the price of first-hand houses was not expensive at the time. When the house was handed over in 2002, it was only 8,000 yuan per square meter - but the first-hand house in that house was not qualified to buy if anyone had money, so it was nicknamed "the affordable housing of the municipal government" among the people. If the Zhou family had not all held official positions, they would not have been able to buy the house there for affordable price.

Such examples are actually not uncommon in the state.

Haven’t you seen seven or eight years later, next to the Beijing Olympic Sports Center, there was a real estate project. At that time, the surrounding market price was 50,000 or 60,000 yuan, while the opening price of that project was only 20,000 yuan. But if it were not middle-level or above cadres of the "two barrels of oil" of central enterprises, or units that even two barrels of oil were required (such as the National Development Commission), they would not be qualified to buy a house there, and they would have been digested internally.

It is precisely because he knew that Zhou’s mansion lived in a luxury house that Feng Yiji asked this question.

But the answer was that she was speechless.

"It's of course comfortable to live, but the price increase season is the beginning of the school year. Now I don't have any spare money on hand, what if I regret it when I regret it." Murong Ping's answer was very casual.

Well, the Zhou family didn’t buy a house for living, they were just afraid that “if they didn’t buy it for free, they would lose their value.”

...

In the morning, Zhou Tianyin ran to three properties according to the house viewing guide map.

The first two houses are good, but the location is too chaotic, and the municipal government will also argue about the surrounding planning in the future. Now it is basically all about the developers themselves bragging.

The Zhou family is all officials and is sensitive to policies, so they have not taken action. In recent years, Qiantang City has been demolishing and building large-scale buildings. Later generations claimed that "there are more money, more houses, more women" and the deputy mayor "Xu Sanduo" was shot and developed by the struggles of this area. Therefore, it is almost a dream for ordinary people to see the long-term plan clearly.

Feng Yiji didn't think it was so detailed. She thought that the houses were quite cost-effective and cost-effective. But since the Zhou family said that the prospects of the houses there were so unbearable, she couldn't lose it, so she endured it and didn't do it.

After all, the most feared reason for depreciation when buying a house is that after just after buying it, the government planned to build a waste power station or other high-pollution and heavy radiation, and then the housing prices were dropped.

When I saw the third property, the car was almost tired, so I calculated that the time was almost time to have lunch.

It was a villa called "Xixi Forest". It has been clearly planned by the municipal government as a wetland park protection area. There will be no other developments, so there is no future planning risk.

Murong Ping was very satisfied with this vision, so she became serious with Zhou Tianyin. The mother and daughter were very serious about the price of the apartment type.

Feng Yiji originally planned to go through the motions - it was not that she didn't like it, but that the first two properties were apartments, and this was a villa, and the total price was significantly more than her ability to bear it.

However, Zhou Tianyin looked so seriously that she was idle, so she followed her over and over and over and over and looked at the materials and the real scene. As a result, the more she looked, the more she liked it.

Because this is a plate in a wetland nature reserve - the developer is very capable. The land he took before the wetland reserve was approved, and once he got it, it was planned to be a protected area by the government. I don’t know how many billions of dust money were stuffed.

So the floor area ratio of the property is really low. In other villa areas, it is better to have a floor area ratio of 0.6 to 0.7, and 0.5 is super amazing. However, this villa is only 0.3 - that is, it covers an area of ​​1,000 square meters and is only allowed to build a house of 300 square meters. It can be seen how rich the gardens, public green spaces and ponds are.

Such a house can never be found in Qiantang city and is a "non-renewable resource".

The Zhou family saw a group of apartments promoted by developers, with a construction area of ​​450 square meters on two floors, and a three-story loft and rooftop that does not count as the area. The unit price of 18,000 yuan per square meter is more than 8 million yuan in total.

Because it is priced based on the building area rather than the floor area, the garden is not considered a money (in fact, it is discounted to the housing price, otherwise such places that are still in the suburbs will not be sold at a high price of 18,000, which is only 2006 now.).

According to the current floor area ratio, the garden and private pond have a total of two and a half acres of land.

If Feng Jianxiong was here at this moment, he would definitely instigate Feng Yiji to buy it without hesitation - because the increase in money here is really the largest "value depression" in Qiantang City.

If this house had been in his hands for two years, when the housing prices were at the peak of 2008, the release of "If You Are the One" filmed by Mr. Ge and Shu Qi would definitely double and rise.

After Murong Ping finished reading it, she encouraged her husband and said, "Children, his father, who is more than 8 million yuan, can't he take action? I think this house will definitely increase. In the future, this will be an out-of-print apartment in the city with forest ponds! Where can I find a house with Lin Youshui and still in the city! You didn't hear the sales department manager say that even Alibaba's Ma bought this property!"

"You believe him and brag! You believe him if you sell a house! If it is necessary, he dares to say that Clinton bought it here!" Zhou Tianming exposes disdainfully.

"Then don't want to buy it?" Murong Ping didn't want to argue with her husband, but her tone naturally raised several degrees.

Zhou Tianming was still a little in awe of his wife and quickly explained: "I didn't say I didn't buy it. Isn't this the total price necessary to pay it off - your and my work unit, can you expose it and take it to get it? Usually, you are eager to clear both money and goods, and you also have a loan of several million to tell others that we can pay it off with a dead salary?"

Officials are afraid of personal information being exposed, and they are even more afraid of carrying mortgages in their own name. The legal significance of "mortgage" is equivalent to proving that "my future personal income is enough to pay off the monthly payment x 10,000 yuan." And even if a civil servant reaches the provincial and ministerial level, his book salary is only 10,000 yuan. Isn't that clearly telling others that the source of huge assets is unknown?

Therefore, officials would rather buy a house in full than take advantage of the "borrow money to buy a house and let the bank bear inflation." Because the source of the full money is relatively easy to explain, inheriting the inheritance or selling other fixed property is a saying.

"Then let's use Tianyin's name to mortgage. Didn't she find an internship last time... Anyway, we have a small gap, and we can do it with a down payment of 70%, and we can get a little loan of 200 million yuan. If we pay it back in five years, the bank won't be too strict." Murong Ping thought to herself.

The Zhou family is still relatively well-funded. If you buy a house worth less than 5 million today, you can buy it clearly without a mortgage. This is also the source of Murong Ping's confidence.

"That won't happen either. Even if she is a graduate student at school, whoever believes that a part-time fresh graduate can get such a high salary." Zhou Tianming hesitated.

Murong Ping was annoyed by her husband's tepid aroused: "Hey? You won't be able to do this, and you won't be able to do that either! It's not that I said you, after following you for years, you have lived in apartments and not a villa. You are not as good as me!"

Murong Ping also knew that she was paying attention to the influence and her voice was still very light, but she still made Zhou Tianming look as if she was ashen.

The Zhou family has no money to buy a villa - the total amount of property accumulated over the years is 10 or 20 million yuan.

But I am more cautious and sensitive to policies. Every year, I feel that housing prices will rise sharply. If I can’t save millions, I will invest in it again for a long time. In addition, in order to keep a low profile, I only buy but not sell, so I never have tens of millions of cash on hand.

Murong Ping was depressed, but she heard a girl's voice suddenly ringing beside her, almost shocking her.

"Auntie, what's the mortgage in your family? If you have a short hand, just mortgage an old house and make up the difference with the loan, wouldn't it be better?" Feng Yiji, who spoke. She just called her brother, hung up and went back to the hall to find someone, and happened to hear Murong Ping's chat content.

Murong Ping was originally from the Local Taxation Bureau. Although she was not a department that directly managed the main business, she had a lot of capital knowledge. After hearing Feng Yiji's reminder, she realized that she had neglected just now. Unexpectedly (mainly because she was a low-key official, she would not have a loan if she could). As a result, she fell in front of her younger generation and made a low-level mistake.

Compared to mortgage loans, the biggest advantage of getting an extra cash house to mortgage loans is that you don’t need a proof of income.

"Xiao Feng is right. If it really doesn't work, we'll just mortgage it." Murong Ping adjusted her expression and tried to look kinder, while instructing her husband.

After Zhou Tianming agreed, Murong Ping thanked Feng Yiji again and said and said and said, "It's still Xiao Feng's sake. Today is really hard for you. I've been in vain for us for so long..."

Feng Yiji smiled and took no credit in a very modest way: "It's not trouble, I don't think it's useless. I'm planning to buy it too. If it weren't for Tianyin leading the way, I wouldn't have known that there would be such a good plate."

"You are planning to buy it too? Here?" Murong Ping was shocked. Even the superiority of being a director of the local tax bureau seemed to have been extinguished.

She heard from her daughter that Xiao Feng had completed the graduation procedures in advance a few months before the summer vacation and went to work in the four major offices. But even the four major offices could not allow a fresh graduate who had only worked for a few months to spend so much money, right?

How much does this subvert traditional perception?
Chapter completed!