Urban Life: Our Youth

The next morning.

Zhou Youcai accompanied the young master to Zhang Chuying's sales department.

Zhang Chuying introduced him to a house on the [-]th floor of Dongbianhu with a total height of [-] floors.

"In this eighteen-story building, the fifteenth, sixteenth, and seventeenth floors are the golden floors, and the seventeenth floor is the sub-top floor, also called the Phoenix floor. The price is relatively higher, but it is also the best. , lighting, noise and other aspects are not mentioned." Zhang Chuying said.

"Then how big is the area of ​​this house?" Young Master asked.

"120 flat."

"It's so big."

"Generally speaking, the units on the east side have the largest floor area in the whole building."

"How much is the unit price?"

"Ten thousand yuan per square meter. The total price is 5000 million."

"How much is the down payment?"

"At least [-]%."

"That means the down payment must be at least 54."

"Yes."

"Are there any other discounts?" Young Master asked.

"Since you are Zhou Youcai's classmate, I will help you apply for the same treatment and receive a free underground parking space worth 10 yuan." Zhang Chuying said.

"Okay, I want this house." The young master was very satisfied with this and immediately paid the deposit.

A few days later, the young master went to the bank to apply for a loan for the property.

Xu Jing, a staff member of the bank, said to him: "I'm sorry, because the loan amount this time is large, the total house payment is 180 million, you paid 54, and you need a loan of 126 million. Since you are still single, this loan is very large." It’s hard to approve.”

When the young master heard this, his head was buzzing and he asked: "Then how can we get the loan?"

"You have to find someone to vouch for you." Xu Jing said.

"Wouldn't it be a problem for me to find someone to guarantee my loan? In today's society, who is willing to help me guarantee a loan?" the young master said worriedly.

"Sorry, it's not that we don't trust you. This is our system. You must meet the conditions before you can apply for a loan."

"Then can my parents vouch for me?"

"We have requirements for banks on guarantors. They must have never applied for a large loan with a bank before. If they have a house in their name, it must be paid in full."

"The house our family lived in before was bought in my parents' names and had a mortgage. The loan has not been paid off yet."

"I'm sorry, that won't work."

"Okay, then I'll go back and think of a solution."

After the young master returned home, he held the phone and made dozens of calls, including his aunt, uncle, uncle, uncle and other relatives. No one was willing to vouch for him.

In the end, he called Zhou Youcai: "Youcai, I want to discuss something with you."

"What's the matter? Tell me."

"When I apply for a mortgage loan for a house from a bank, I need someone to guarantee it. Otherwise, I won't be able to get it. Can you guarantee it for me?"

"Okay, don't you just sign your name?" Zhou Youcai said.

"Youcai, I really thank you." The young master was very moved after hearing this.

"Sir, do I meet the requirements? I just took out two loans, one is a house loan and the other is a car mortgage. You know these."

"This?" When the young master heard this, he remembered that the hope he had just raised was shattered again.

He was thinking, what should he do?

Could it be that because no one gave him a guarantee, he didn’t buy the house?

Besides, the down payment has already been paid, can I still ask the developer to get it back?

He was so worried about this that he couldn't even eat.