Rebirth 00 I earned 999 from selling lunch boxes

Xia Lijuan couldn't calm down for a long time.

She also recalled that when she was talking about building a house at home at the beginning of the first year, she asked He Wenjun to borrow money, but He Wenjun didn't even borrow money.

The more I think about it, the more uncomfortable I feel.

He left the fast food restaurant with a livid face.

When leaving, he called He Wenhua out.

He Wenhua followed out reluctantly: "Why did you ask me to come out? Everyone is talking inside."

He Wenhua still wants to hear it.

"What does the talk inside have to do with you being a moneyless person?" Xia Lijuan spoke irritably.

He Wenhua also suddenly became angry: "Why do you lose your temper for no reason? You are sick!"

"I followed you because I was sick. Your brother now has money to buy a house."

"Isn't that great? He saved it himself." Although He Wenhua was envious, he was really happy for his brother and wanted to work hard this year and buy a house, otherwise it would be too shameful.

Xia Lijuan was so angry at He Wenhua's attitude that she said, "I was at home during the Chinese New Year, and I borrowed money from your brother to build a house, but your brother didn't say anything."

"Can you stop staring at other people's money? At that time, my brother said he could lend us some. Are you deaf or have a bad memory? My brother only spends fifty yuan a month. How much do you spend a month? If you could If we do this, we can get a loan to buy a house in one year.”

Xia Lijuan was suddenly choked and could not speak, and said angrily: "So you have no money now, do you blame me?"

"Who blames you? Did I mean that?"

Xia Lijuan turned around angrily and entered the garment factory, ignoring He Wenhua.

He Wenhua also felt that she was unreasonable and turned back to the fast food restaurant.

……

In a fast food restaurant.

He Lanying and He Yongping don’t really want to buy a house here. The main reason is that He Lanying doesn’t want to buy it. He Yongping thinks it’s okay to buy it or not. If their children want to buy it, if they have money to buy it, and others have bought it, then they can buy it. There are four people in the family. No matter how hard you work, you can still afford a house.

Lin Fei: "Mom, look, uncle, Xiaojun, and Linlin have all bought it, so let's just buy it."

"But the house in our hometown hasn't been built yet, so we still have to go back."

"We only go back to my hometown for a few days a year, right? We can build it later when we have money. I'm still so young. Linlin said that if you open a new store and let me be the chef, my salary will be increased by then. What are you afraid of? Huh? I don’t care, I want to buy it anyway! If you don’t agree, I will spend the money and I won’t be able to buy a house anyway.”

Lin Fei took advantage of him.

Hearing this, He Lanying became angry and chased him.

He Yongping pulled He Lanying and said with a smile: "Sister, forget it, just follow him. At least he can work down-to-earth now. Whether he buys a house or not, he has to pay back the money to the bank every month. He dare not not effort."

These words touched He Lanying's heart. Thinking of her son coming to He Wenlin, her whole person changed.

As a mother, she was certainly pleased.

Rather than spend the money on him, it would be better to buy a house. At least there is still a house.

He Lanying sighed and said, "Oh, children are debts."

This means agreeing to buy.

Lin Fei smiled so hard that his teeth disappeared.

He Lanying glared at her son and said, "If you buy it, I won't repay the loan for you. You have to pay it back yourself."

Lin Fei Hehe Shale: "Okay, I'll pay it back myself."

"But the house is too small, and it's difficult to turn around." He Lanying said.

He Wenlin: "You can buy a big one. If you have enough money, you can buy a big one. If you don't have enough money and you can't live in it for the time being, then buy a small second-hand house. You can rent it out immediately after you get the house and use the rent-to-support loan for as long as possible. It’s a long loan.”

He Yongping: "Then it will cost a lot more interest."

He Wenlin explained: "Although the longer the loan is, the more interest you have to pay, but money is becoming less and less valuable. To be precise, the purchasing power is becoming less and less. How much could ten yuan buy ten years ago? Look at it now.

The current loan is 50,000 yuan. According to the 20-year loan, assuming an interest rate of 6.2, you only need to pay back more than 300 yuan a month. For you now, there is no pressure. Lin Fei's salary is more than 1,000 yuan a month.

If the loan lasts for five years, there will be pressure to repay it. If the salary is exchanged for monthly payments, there will be no balance left. If you want to do something, you will not have money in your hands.

You can take out a loan for 20 years first to relieve yourself from so much pressure. When you have money later, you can also pay it off in one lump sum. "

"Mom, we all listen to Linlin." Lin Fei said, "Linlin is better than us and has more knowledge, so it is right to listen to her."

He Wenlin continued: "If you think that house is not good, you can buy a bigger and better one, but I think a second-hand small house has more investment value."

Only by buying this kind of house can you have the opportunity to demolish it. Even if it is not demolished, most people who work and want to rent a house will choose an old house with a small apartment. The rent of a house in a serious community is expensive, and only high-income people can buy it. Consider that ordinary people cannot afford to rent.

After hearing what He Wenlin said, He Lanying and He Yongping decided to take another look.

Buying a house is a major event in life. You may have to empty your bank account and borrow money to get the down payment, so you really need to read more and consider more. He Wenlin can understand them.

He Wenlin said that if they didn't buy the sets they were looking at, she would take action.

"You still want to buy it?" He Yongping and He Lanying looked shocked, "Didn't you buy two places?"

"Buy it for investment." He Wenlin said, "After I buy the house, the monthly rent for a two-bedroom house will be at least 200 yuan."

Although these houses are also in XX Village, they are in a good location and have everything in the house. They are still different from the rural area where He Wenlin lives now, so although the area there is much smaller, the rent is similar to here.

"If you deposit 50,000 yuan in the bank, how much interest will be paid per year? The interest rate will not increase, and it may even decrease. However, the rent is increasing year by year. City Plaza is attracting investment, and Times Square is also planning to build. Once there is a Well, all these houses will increase in price! And more people will come to work, and the demand for renting houses will be greater."

Fengjiang Village is just one station away from Times Square, just across the bridge.

River Village is right next to Times Square.

Being close to urban areas and commercial streets, rents and housing prices will definitely be expensive.

Therefore, if they don't buy these houses, He Wenlin will take them all.

"You guys think about it and give me an answer tomorrow. If you don't buy it, I'll take action. I'm personally very optimistic about it."

"Linlin, don't you say you have no money? It's a lot of money to buy so many houses at once," He Wenhua asked.

He was really curious. His sister always said she had no money and was in debt, but she had to buy several houses.

It depends on how much money you make to have the confidence.

"I really don't have any money, so I have to borrow money from credit unions and banks, and use the food factory as collateral." He Wenlin said, "I have been negotiating with credit unions and banks about loans recently. Once the money has been paid, I want to borrow money from the food factory next door. After the decoration is completed, the progress of the new factory must be accelerated, and the three small houses must be purchased and rented out immediately."

Being able to borrow so much money was a skill that He Wenhua was extremely envious of.

Especially He Wenlin talked eloquently. When making decisions, none of the adults in the family objected.

It shows that everyone supports it.

This sister is really awesome!