Qiao Yicheng asked to borrow money to buy a house.
He and Wen Ju'an have been married for several years. They first lived in Wen's house, and later rented Wang Gang's house. Until now, Wen Ju'an also started working. With income, he planned to buy a house of his own.
"Which house do you like and how much does it cost?" Wang Gang asked.
"A new building has opened over there in Alfalfa Garden. The environment of the community is not bad, and the price is about 3,000 per square meter." Qiao Yicheng said:
"I have discussed with your sister-in-law and plan to buy a house of about 70 square meters."
Song Qingyuan interrupted: "That's not cheap, a house costs more than 200,000 yuan."
Wang Gang frowned and said: "There are many second-hand houses in Jinling City, each one only costs tens of thousands of yuan. How can you buy such an expensive house?"
Wang Gang also knew something about the real estate in Alfalfa Garden. It was a key development project in Jinling, and it was planned to build a modern community comparable to the capital. It was advertised overwhelmingly in newspapers, so the opening price was relatively expensive.
It's now 1992, and the average second-hand house in Jinling is just over a thousand yuan. Some houses in inferior locations only cost 600 to 710 square meters, and a house doesn't cost 50,000 yuan.
Qiao Yicheng's monthly salary is only about one thousand, and it is not stable.
Wen Ju'an just started working as a teacher in an elementary school, and it only cost three to four hundred yuan a month for him to become a full-time teacher.
Wang Gang does not object to Qiao Yicheng buying a house, but he must do what he can. He can buy a cheap one first, and then change it step by step after the economic conditions improve.
What's more, Qiao Yicheng works in a TV station and will have the opportunity to share a house in the future, so there is no need to rush to buy a house.
You know, once you have a property in your name, the unit allocation quota will be gone.
"Your sister-in-law said that renting your house all the time is not an option. It just so happens that banks are now open for loans. I did some calculations. With your sister-in-law and I's salary, it's not too stressful to get a loan to buy an apartment. It's just that I still don't have enough money for the down payment.
"
Wang Gang asked again: "How much money is my sister-in-law's family prepared to pay?"
Qiao Yicheng shook his head and said: "Your sister-in-law only works, how can she have any money?"
"As for my sister-in-law's parents, don't you want to support me in buying a house?"
Qiao Yicheng yelled strangely: "How can I ask for your sister-in-law's money when I buy a house?"
"Then whose name is written on your house?" Wang Gang asked another key question.
"Of course, write my name." Qiao Yicheng said matter-of-factly.
Wang Gang relaxed his brows and said, "Are you really planning to buy a house without waiting for the unit to be allocated?"
Qiao Yicheng gritted his teeth and said, "Your sister-in-law doesn't want to wait. Besides, didn't you buy a house by yourself and your employer allocated another one?"
Wang Gang and Xiang Nanfang looked at each other and finally understood why Qiao Yicheng was eager to buy a house.
After all, I am still envious, and maybe Wen Ju'an also contributed to it.
"You have to think clearly, with your current salary, it will take you 20 years to pay back a house worth 200,000 yuan without food or drink," Wang Gang advised.
"It's impossible for my salary to keep rising. I only got five or six hundred when I first joined Taiwan, and now it's doubled." Qiao Yicheng said relaxedly.
Wang Gang admitted that wages will definitely increase in the future, and they will increase significantly, but it will not happen in a year or two.
Before that, Qiao Yicheng might have to suffer for many years.
"How much is left for your down payment?" Wang Gang asked.
"Fifty thousand." Qiao Yicheng thought for a moment and then said, "Or maybe thirty thousand."
Wang Gang made an estimate and found that Qiao Yicheng probably didn't have much money on hand, never more than 30,000 yuan, which meant that when he bought a house, regardless of down payment or loan, almost all of it was borrowed.
With such economic conditions, you can also imagine the pressure of buying a house.
"I can lend you money." Wang Gang sighed: "But I also want to remind you that after buying a house, you and your sister-in-law must be prepared to endure hardship for a long time."
Qiao Yicheng said nonchalantly: "I'm not afraid of hardship. When we were young, we lived even more hardships, but we still got over it."
"You can endure hardships, can my sister-in-law be able to do it too?" Wang Gang said: "My sister-in-law has been rich since she was a child, and she has the best food and clothing. How much of your salary is left after paying off the mortgage?"
Qiao Yicheng was slightly unhappy when he heard this.
"Second Qiang, don't worry, I will pay you back the money as soon as possible." Qiao Yicheng thought that Wang Gang didn't want to borrow money, so he pushed back.
Xiang Nanfang said: "Brother, Erqiang didn't mean that, I just think now is not the best time for you to buy a house."
Song Qingyuan also advised: "Yes! There will be housing allocation quotas in Taiwan soon. Isn't it good to get a house for free by then?"
Wang Gang said: "I only considered buying a new house after I was allocated a house."
Qiao Yicheng also knew that buying a house at this time would seem a bit silly to many people.
Why do we spend so much money to buy a house when we can allocate houses in our work units?
But no one can understand his pressure.
For Qiao Yicheng, a house is not just a house, but a home.
A family is complete only if the house is one's own, and Wen Ju'an has always complained about renting a house.
"Second Qiang, I have already thought about it. I want to buy a house of my own." Qiao Yicheng said firmly.
Wang Gang sighed: "I will go to the bank to withdraw money for you tomorrow."
Qiao Yicheng got Wang Gang's answer and then left the hospital with Song Qingyuan.
Xiang Nanfang saw that her husband had been depressed, so he comforted him: "Since eldest brother has already decided, don't think too much about it. Don't you often say that a house is a good investment?"
Wang Gang explained: “It is right to invest in a house, and there will definitely be a tenfold return in the future, but the premise is that you do what you can.
The house prices in Alfalfa Garden are actually inflated and not cost-effective.
I'm worried that my eldest brother will buy a house he can't afford just to save his face."
Xiang Nannan leaned on her husband and said, "I haven't bought a house yet anyway. You can try to persuade me again when you have the opportunity, and you should pay attention to the methods."
Wang Gang knew that he had indeed acted too hastily just now, which offended Qiao Yicheng.
"Your family is well-connected. Can you help me look for a house suitable for my eldest brother?" Wang Gang said.
"Don't worry! I will pay attention." Xiang Nanfang said.
"Pay more attention to a few sets, and we can take the opportunity to buy some," Wang Gang said with a smile.
"I know." Xiang Nanfang sat up straight and asked, "Tell me the truth, have you made a lot of money recently?"
This chapter is not finished yet, please click on the next page to continue reading the exciting content! Wang Gang chuckled and said: "My advertising value has indeed increased a lot recently."
"You are not allowed to keep a small treasury privately." Xiang Nanfang said, "You must also save some for your children."
"Don't worry! Write the child's name on the house." Wang Gang scratched his son's nose, making him laugh.
"Xiao Tiancheng, from now on, your father will give you a house every year. Are you happy?"
How could a newborn baby understand what Wang Gang meant? It thought it was a joke and laughed out loud.
Wang Gang and Xiang Nanfang are destined to only have one child due to their status. If they don't give their property to Qiao Tiancheng, who else can they give it to in the future?
In this life, Wang Gang's status is not convenient for doing business. After thinking about it, he can only build a house and invest all the money he earns in real estate.
Xiang Nanfang was discharged from the hospital after staying for three days. Wang Gang asked for leave and concentrated on repaying his wife and children for a few days. As for the affairs of the Qiao family, he was less concerned.
In the end, Qiao Yicheng refused to listen and bought a house in Alfalfa Garden, racking up a lot of debt.
Xiang Nanfang asked his connections to find a house for Qiao Yicheng, but Wen Ju'an didn't like any of them and even complained a little.
She felt that Xiang Nanfang looked down on her and thought they could not afford a new house, so he only recommended second-hand houses to them.
Seeing that his wife was having a hard time, Wang Gang stopped caring about Qiao Yicheng and bought all the second-hand houses by himself.
He won three gold medals this time, which gave him a lot of bonuses, as well as interview fees from the media and advertising fees from manufacturers. It added up to a lot, and he bought three houses and still had some leftover.
Over at the Qiao family, Qiao Sanli and Qiao Simei are both studying in the capital, and they take care of each other, so Wang Gang doesn't need to worry too much.
Qiao Zuwang also recognized Wang Gang's energy. He had been much more honest recently and did not dare to mess around because of his reputation.
Now only Qiao Qiqi, who is in the third grade of junior high school, has a problem just before the high school entrance examination.
One month before the high school entrance examination, Qiao Qiqi studied hard, but found that Yang Lingzi hadn't come to see him for a long time.
Originally, Qiao Qiqi thought that the high school entrance examination was about to take place and Yang Lingzi was busy with her review and had no time. Then one day he went to Yang Lingzi's house to look for her and saw a strange boy walking out of Yang Lingzi's house.
Qiao Qiqi, who was struck by lightning, didn't recover for a long time. She didn't know why she knocked on Yang Lingzi's door.
When Yang Lingzi saw Qiao Qiqi outside the door, she was a little panicked at first, but she quickly calmed down.
"Why are you here?" Yang Lingzi asked Qiao Qiqi.
"Who is that man?" Qiao Qiqi asked dryly.
"Don't you see it? Why are you asking?" Yang Lingzi said nonchalantly.
"Didn't you agree that we would work hard to take the vocational high school entrance examination together?"
Yang Lingzi said nonchalantly: "To tell you the truth, I don't like you anymore, and I have someone I like again."
Qiao Qiqi said sadly: "Why?!"
Yang Lingzi said ruthlessly: "You are boring and dull. It's so boring for me to be with you."
