On the fifth day of the Lunar New Year, Lu Yan came over to Ruan Xiaoxiao’s house for dinner.
Xiao Wanru was busy in the kitchen, and Ruan Qinghe was helping. Lu Yan accompanied Ruan Xiaoxiao on the sofa and played a DVD, Xingye's "Tang Bohu Spots Autumn Fragrance". There are too few TV programs these days, and many people have the habit of renting DVDs.
Xingye's film is funny and lively, and it fits the Chinese New Year atmosphere quite well.
In the kitchen, through the glass door, Xiao Wanru saw the two happy children on the sofa, and sighed: "Why does it feel like my daughter is getting married?"
Ruan Qinghe glanced into the living room and said, "I think it's quite good. There are many people and it's lively!"
Although Xiao Wanru thought Lu Yan's family was a bit poor, she was still quite satisfied with this person and said with a smile: "It's a lot of fun. It would be great if the two children can continue to be like this!"
Ruan Qinghe said: "Let them live their own lives young, let's not get involved!"
Xiao Wanru was deep in thought and rarely talked back to her husband.
Not long after, eight dishes were served, and four people gathered around to eat and chat.
Xiao Wanru's attitude is better than before, and she talks more politely. The general idea is that she must treat herself as if she is in her own home and never see outsiders. In the future, she can talk about any embarrassing things and don't treat herself as an outsider.
The clinker Lu Yan put down his chopsticks and said with a smile: "There is something I really want to ask auntie about!"
Ruan Qinghe and his wife were stunned. He took the polite words about the New Year wholesale sale very seriously!
But he had to answer and said: "What's the matter, Xiao Lu, tell me!"
Lu Yandao: "I own a house in Sanjiang City, and I want to apply for a mortgage loan for a real estate in Bincheng. I would like to ask my aunt what the process is and how long it will take to get the payment!"
Xiao Wanru became more and more confused after hearing this, "Mortgage loan? Why do you get so much money?"
In her impression, this kid named Lu Yan was really good at making money. He got a bonus of 300,000 yuan for the top scorer in the college entrance examination, and he also earned a monthly income of 10,000 to 20,000 yuan from writing books. When he went to work in the sales office, in just over a week, he made one
More than 10,000 commission income.
In Bincheng, where the average monthly salary per capita is one to two thousand, he is considered to be rich, wealthy and handsome. Otherwise, she would not have accepted Lu Yan and Ruan Xiaoxiao as boyfriend and girlfriend so easily!
Ruan Qinghe asked: "Does Xiao Lu want to start his own business?"
Lu Yan nodded and said with a smile: "That's right!"
Ruan Qinghe asked, "What project is it? It's not convenient for me to tell you. We can help you refer to it!"
Lu Yan paused and said slowly: "Stock market!"
As soon as these words came out, Xiao Wanru was surprised and said: "You want to take out a loan to trade in stocks?"
Lu Yan smiled and said, "That's right. The main reason is that the house is quite memorable. My parents like it so much that they can't sell it. Otherwise, I would like to sell the house and invest it in the stock market!"
Ruan Qinghe coughed after hearing this and said: "Let me tell you, Xiao Lu, the stock market is risky and you need to be cautious when investing. Isn't it too risky for you to invest so much money in stocks?"
Xiao Wanru was very curious and said: "Xiao Lu, you are writing books, selling houses, and taking out loans. You are not doing it just for stock trading, are you? Do you have inside information?"
Lu Yan hurriedly said: "I am a freshman, I don't have any news. I just feel that the stock market has been in the past and I am very optimistic about the future market!"
Xiao Wanru became more and more enthusiastic, "Do you think a bull market is coming?"
She works in a bank and often chats with the account managers of securities firms who come to work. In addition, many bank employees have the habit of trading stocks and futures, so she is not as disgusted and resistant to this matter as her husband.
She has been speculating in stocks over the years, but unfortunately since 2001, there has been a big bear market that has continued to plummet, and she has not looked at her stock account for a long time. But in her heart, she still hopes that the stock market will get better.
Lu Yan's behavior at this moment, the first thing she thought of was not a risk, but a "good omen". A top student in finance at the National Central University tried every means to invest a large amount of money in the stock market. Could it be that the bear market is over and the bull market is coming?
Looking over with burning eyes, Lu Yan said: 'Well, I bought some in September, the holding cost was more than nine yuan, and now it has risen to 14!"
When Xiao Wanru heard this, her eyes were a little dull, and she immediately asked: "Isn't it convenient for Auntie to take a look at your positions?"
Lu Yan didn't think there was anything he couldn't read. When he was a securities broker, familiar clients and colleagues would talk about who bought that stock, how much they earned, and how much they lost. If you have a good relationship, look.
It is also common to look at positions and funds.
Nodding and saying: "Okay!"
Xiao Wanru stood up hurriedly, led the way into Ruan Xiaoxiao's room, opened the latter's desktop computer, and then asked Lu Yan which company he had opened an account with.
After downloading CITIC's stock trading software, Lu Yan logged into the system, clicked on the position section, and got out of the way.
Xiao Wanru hurried over to take a look and saw that there was a stock market value of 127,000 yuan, a holding cost of 9.2 yuan, and the closing price of the previous trading day was 14.6, an increase of more than 60%.
After doing some calculations in her mind, Xiao Wanru said: "You invested 80,000 yuan at the beginning, and now you are almost making 50,000 yuan?"
Lu Yan nodded, "Well, that's why I always thought the capital was low and wanted to invest more!"
Ruan Qinghe said: "Why don't you sell it after making so much money? If it falls back, you will lose money!"
Xiao Wanru was a little strangely excited, but she also said that it would be better to take it easy. Then she asked Lu Yan, was he really so optimistic about the future market?
"Of course, after four years of bear market, the adjustments are in place and there is no room for decline. Last year, the share-trading reform was launched, and listed companies have the motivation to increase their stock prices. There is also inflation, and residents lack investment channels for their money...!"
Lu Yan's eloquent talk did not reveal the secret of heaven's consciousness. Because in such a speculative market that extremely tests human nature, there has never been a shortage of empty talkers.
When the bull market is rising, if the point exceeds 3,000, some "experts" will call 4,000; if the point exceeds 4,000, some will call 6,000; if the point exceeds 6,000, some will call 8,000; or even 10,000 or 12,000!
And when the stock market turns downward, there are many "mad dog" experts, calling on investors to buy this and that, and predicting the market index.
Therefore, Xiao Wanru has heard too many opinions about whether the market will rise or the stock market will continue to fall. The opinions of "experts" are all contradictory. I don't know whether the experts buy stocks and whether they make money. But right now
Lu Yan's capital account cannot be faked, and he can't help but feel excited.
"We can handle the loan for your house, but we can only lend 70% of the appraised value. If the procedures are complete, the payment can be issued in half a month!" Xiao Wanru suddenly said.
Ruan Qinghe pulled off his wife's clothes and asked Lu Yan, "Have you told your parents about these things?"
Lu Yan said: "I haven't mentioned it yet. I'm afraid they will get angry if they find out and worry about whether they can eat or sleep well!"
Ruan Qinghe wanted to persuade her again, but Xiao Wanru glared at her husband and said, "The house is registered in Xiao Lu's name. Even if he wants to sell it, no one else can stop him."
Then he smiled at Lu Yan and said, "Don't worry, I'll leave the loan to Auntie and I'll handle it for you as soon as I get to work!"
Lu Yan hurriedly said: "Thank you, auntie!"
It is estimated that this house can be borrowed for more than 90,000 yuan. If done properly, it can become two to three million yuan after the bull market!
Xiao Wanru laughed again: "We are all one family, why are you so polite! From now on, if Auntie asks you about stock trading, just don't find it annoying!"