Chapter 198 After buying the stock, delete the stock trading software (16 chapters still owed)
Yang Tiande was dumbfounded, could he continue to bargain?
He hurriedly said: "Manager He, the time is almost up. The kindergarten will be over soon. Brother Xia has to pick up the child. I will send him back in a hurry. Let's talk about the contract tomorrow."
"..." He Yueyao looked at Yang Tiande's bastard appearance and cursed in her heart: "Damn it!"
As He Yueyao watched helplessly and finally with disappointed eyes, Fu Yang drove the car and took away his boss, partner and distinguished guest Xia Zekai.
In the evening, after Luo Xiyun came back, he asked anxiously as soon as he walked in: "Zekai, have you taken a photo? What does the house look like? Come and show me."
Xia Zekai spread his hands and shrugged: "I didn't take any pictures. I just went there temporarily. I didn't bring my camera. I can just take a look tomorrow."
"Then please tell me in detail." Luo Xiyun was a little disappointed, but thinking that it was just for one night, she cheered up again.
So, Xia Zekai described the whole process of viewing the house.
Luo Xiyun was so surprised that she asked: "Zekai, don't tell me that you decided to buy it just after looking at a neighborhood?"
Xia Zekai nodded: "Of course, wife, I tell you, there is absolutely no problem."
"But you said the surrounding area is still desolate..." Luo Xiyun couldn't let go.
Xia Zekai curled his lips and said: "That is to be developed. The construction trucks have driven in and construction of office buildings for various agencies has begun. Why are you worried?"
"Besides, if the supporting equipment hadn't been prepared yet, do you think I could buy it at this price?"
Luo Xiyun was very conflicted. She felt that she should trust her husband's judgment, but the surrounding area was still desolate, which was not in line with her expectations.
Xia Zekai said again: "Daughter-in-law, do you believe my vision? The future housing prices of that place will definitely not be lower than Century Garden."
"Then I bought it!" Luo Xiyun said three words clearly and neatly.
Xia Zekai was speechless. Do you want to be so realistic?
Let Yatou and Tongtong sisters play with toys, Luo Xiyun took Xia Zekai and began to settle accounts.
After calculating, Luo Xiyun suddenly said: "Zekai, you are out of your mind!"
"..." Xia Zekai squinted his eyes and looked at her, thinking to himself, if you can't tell the truth, I will destroy you tonight.
Luo Xiyun divided three times, divided five by two, and exchanged the loan methods for the first home loan and the second home loan, and said: "Can't we treat this 176-square-meter house as the first home?"
In this way, the down payment is lower, and the loan discount is also much less.
When Xia Zekai saw that this was really the case, he slapped his head: "It's my fault, I didn't think so much at the time. You're right, you were really stupid."
The two of them finally calculated their accounts and found that by using Luo Xiyun's method, the down payment was nearly 20,000 yuan less, and the monthly loan repayment was only 21 yuan more. What else were you thinking about!
At night, the two of them had sex happily, and then they felt each other's warmth and fell asleep.
Another beautiful day arrived. At the entrance of Qiyun Garden Community Kindergarten, Shi Rui, the teacher of Mango Class, discovered that Xia Zekai and Luo Xiyun came to see off the twins together, which was very rare.
This made her particularly surprised, wondering what happened. Did Xia Jingya’s child’s mother resign?
But no matter what, it was a family matter, and she couldn't ask even if she was curious.
Xia Zekai and Luo Xiyun drove, called Yang Tiande and Gao Lina, and visited Ziyu Garden Community again.
After coming over, she saw that the desolate land here was not surrounded by crop fields as Xia Zekai described. Instead, it was a circle of desolate land that was undergoing various constructions. She felt an extra 10 points in her heart.
The two groups went to the sales office together for the last time. They were received by He Yueyao yesterday. They saw that Xia Zekai had really called his wife, while the gangster Yang Tiande was still alone. She felt sorry for the gangster from the bottom of her heart.
The guy is very contemptuous.
When it came to price, He Yueyao, Xia Zekai, his wife, and Yang Tiande practiced Tai Chi for a while before giving the final low price of 2,500 yuan per square meter.
After thinking about it all night, I reduced it by another 100 yuan.
She kept saying: "This is a discount based on the fact that you two have purchased three houses at once. I also called our boss and said a lot of good things."
This was a favor, and although not everyone would accept it, she still made money from the few who did.
Xia Zekai mentioned it at the right time: "Manager He, I made a miscalculation yesterday. When I signed the contract, I regarded the 176-square-meter apartment as our first home."
He Yueyao understood what was going on as soon as she heard it. She was a little embarrassed: "But Mr. Xia, the Housing Authority has strict requirements. For a house of more than 144 square meters, even if it is the first house, the down payment ratio must be 30%."
Xia Zekai said directly: "I believe you will have a solution to the problem you are worried about."
Luo Xiyun didn't say anything. She just lay next to the real estate sand table and looked at the real estate models inside. She found the models of the two houses they bought. She looked over and over the location and structure of the two houses the couple bought.
Very happy.
It was finally time to change her house. Although it was said that the house would be completely handed over in a few months, it didn't matter. She could wait for these few months.
She has already begun to think about how to decorate the house after the house is handed over later.
When signing the contract, He Yueyao explained all the relevant aspects as usual. She said: "It will take some time for the bank to review the loan. We will try our best to expedite this."
"By the way, Mr. Xia and Ms. Luo's income certificate is sufficient!" This is a customary inquiry.
She knew in her heart that if she could afford to buy two houses at once, her income would be enough.
But what Luo Xiyun said next was really heart-breaking: "That's enough. My own money is enough. Isn't the loan repayment income just need to be less than half of the monthly income? I only have 10,000 yuan a month, which should be enough."
Yes, it’s a pity that I haven’t paid enough provident fund for 6 months.”
At this point, she also asked: "Manager He, do you think you can postpone the house transaction? I can wait until September for 6 months, and then I will use the provident fund to finance the first house."
"..." He Yueyao suddenly heard this, and she was so choked that she didn't want to speak anymore.
She thought to herself, we are both women, so why bother to make things difficult for women?
After the 30% discount, the difference between the loan interest rate and the provident fund interest rate is only 0.3 points. Are you really short of this point?
Yang Tiande did not hesitate anymore and bought a 140-square-meter four-bedroom apartment at a price of 2,500 yuan per square meter. His down payment was only 70,000 yuan, and the monthly loan repayment was less than 1,500 yuan. For him, it was not too much.
easy.
The rest of the trivial things were quite busy, and it was noon in a blink of an eye. After all the things were done, Xia Zekai and the others left.
…
After returning from Ziyu Garden with two house purchase contracts, Xia Zekai and Yang Tiande parted ways at the entrance of Lin Ao Community. Xia Zekai drove his wife home directly.
"Daughter-in-law, if you want to eat something for lunch, I'll make it. If you don't want to do it, just go out to eat." Xia Zekai asked her after entering the house.
Luo Xiyun hummed: "I want to eat you!"
I still haven't recovered from last night, and now I still have to do it, which is a bit too much.
Xia Zekai couldn't say no, he had only one choice, to stay with him until the end.
I skipped lunch.
As it happened, the two of them were still lying on the bed together without being ashamed. Luo Xiyun was still describing how to decorate the house. She also asked Xia Zekai, who had bought two houses in one go, which one would he live in?
Should I stay in this apartment for one day and then change to that apartment for another day?
"Zekai, this is really like a dream." Luo Xiyun said.
Xia Zekai stretched out his arms and hugged her tightly, feeling the delicate and smooth skin and the real feeling in his arms. He looked happy and satisfied: "Silly girl, if I'm not here, you watch, I will let you dream every day from now on."
.”
"Get out!" Luo Xiyun complained to him.
After a while, Luo Xiyun asked him: "Zekai, how much money do you have left?"
Xia Zekai said: "There is still 400,000, but next month should be no less than this month." Xia Zekai said this.
Luo Xiyun nodded: "Then what are you going to do with the rest? Is it a waste to save it first?"
Xia Zekai thought for a while and said, "Daughter-in-law, I'm thinking of investing half of it and leaving the rest with you for decoration after the house is handed over. What do you think?"
Luo Xiyun's eyes were a little wary and asked him: "What do you want to invest in?"
"Stocks, wife, do you remember the stock that Sister Pan introduced to me last time? It was Moutai. It has done well in the past two months, but I plan to buy it for the long term!"
Luo Xiyun didn't understand this, so she asked: "Is that thing reliable? During the financial crisis last year, didn't all the world's stock markets plummet?"
Xia Zekai nodded and said: "I have studied carefully and found that the country has introduced some policies to support the consumption of liquor. In the medium to long term, there should be no major problems."
Luo Xiyun didn't understand at all. She said, "I don't care about this mess. You can figure it out yourself. In the worst case, I'll treat you as if you've paid all the bills."
"→_→" Xia Zekai looked at his wife with disdain. If she didn't have to kiss her with such a foul mouth, she would have sewn it up.
Isn't this intentional to ruin my fortune?
The couple walked together in the afternoon to pick up Yatou and Tongtong from school, and then they went to the Oasis Ecological Park with each other in their arms, where they had some fun and celebrated the new house they had just bought.
On the morning of the 15th, after Xia Zekai sent his two daughters to kindergarten, he rode an electric bike to Qilu Securities. When he came over, he directly explained how to open an account.
Qilu Securities is currently conducting activities, free account opening, and can be opened on both the main board and GEM at one time.
Under the guidance of the account manager, Xia Zekai also opened the permissions for telephone trading and online trading.
When discussing transaction fees, I learned that Xia Zekai had prepared a principal of 200,000, and the account manager was also very practical and directly opened the lowest transaction fee of one thousandth for him.
I also followed the account manager to the nearby Construction Bank to open related financial services, and then directly transferred the 200,000 I planned to use for stock trading to my stock account.
When the account manager saw his operation, he was stunned on the spot, wondering if this was an expert or a novice?
But then something happened right under his nose that left him even more speechless.
He watched helplessly as Xia Zekai searched for 'Kweichow Moutai' using the mobile phone stock trading software he had just downloaded, and then used the trading system below to place an order, inputting the price of US stocks of 149 yuan, buying a total of 13 lots, plus
In addition to other expenses, a total of 193,700 yuan was spent, leaving 6,300 yuan unused.
"OK, let's do it! Wait a few years and see." Xia Zekai muttered. With the remaining 6,300 yuan, he wondered whether to transfer it out or just buy one and keep it.
Finally, with the help of the account manager, I selected a Changchun Hi-tech stock with good growth in the market. Finally, I transferred another 300 yuan to my account, and then I bought 4 lots at a price of 16.4 yuan per share.
"Okay, I will delete this software and let's talk about it in a few years."
Before the account manager could stop him, Xia Zekai uninstalled Qilu Securities' stock trading software by long-pressing the screen.
"Wori!" The account manager was stunned. He was worried that he had met an idiot. Who in the right mind would be so reckless?
