Chapter 1105: Mortgage

"Pop, pop, pop..."

Just then, the door was knocked. Dou Guoyong went to open it, and standing outside was actually Che Hongwei, Dou Xiaomin's husband. He was carrying breakfast in his right hand, and standing beside him was a seven- or eight-year-old little girl with a schoolbag on her back.

"Hongwei, why are you here so early?"

As he spoke, Dou Guoyong rubbed the little girl's hair: "Yanyan, did you miss your big uncle?"

"I did!" Che Yan said with a giggle: "Big uncle, can you drive me to school in a little while?"

Dou Guoyong laughed happily: "No problem."

Che Hongwei glared at his daughter: "Your big uncle is tired enough from driving, why should he drive you?"

Dou Guoyong also glared at Che Hongwei: "I'm happy to drive my eldest niece to school."

Che Yan stuck out her tongue and ran happily to her grandfather's side: "Grandpa!"

"Oh, my eldest granddaughter is here."

The old man, who was still angry, finally had a smile on his face when he saw Che Yan.

Just then, the old lady also came out of the room and saw the breakfast in Che Hongwei's hand.

"Your big brother bought breakfast, and you bought some too. How can we finish all this?"

Che Hongwei put the breakfast on the table: "If we can't finish it, we'll eat it at noon. It won't go bad now."

Then he saw his wife reading a newspaper with a very ugly expression on her face.

"What's wrong? Why are you so angry reading a newspaper?"

"Look at this!" Dou Xiaomin handed the newspaper to Che Hongwei.

Che Hongwei knew the content as soon as he saw the headline, because for the past few days, all the major media had been reporting on the disappearance of Song Ziyi.

"You're angry just because of this?"

Dou Xiaomin snatched the newspaper away and then slapped it with her hand.

"Tell me, how can these people be like this? Our Chairman Zhou is such a good person. He has been doing his best for the country and the people. What good does it do them to bring Chairman Zhou down?"

"Of course it does them good."

Che Hongwei shook his head helplessly. He could also understand his wife.

After all, the changes in their family were all because of Zhou Andong.

The Santana taxi his brother-in-law drove was won from the prize in the Very Cola.

He drove for fourteen or fifteen hours every day and earned four or five hundred yuan.

His wife was originally a bank teller, but she burned her bridges and resigned to apply for a job at Qiudongfang.

She had been working for more than a month now, and yesterday, the 5th, she specifically called to tell him she had been paid.

In thirty-nine days, because she was busy and worked overtime every day, she earned over 1,700 yuan.

You have to know that the average salary in Jingcheng now is only over 270 yuan, and even the best-performing enterprises don't have salaries reaching 400 yuan.

It can be said that all of this was given to them by Zhou Andong.

"Alright!" Che Hongwei comforted his wife: "These people can't stir up any big waves, so don't be angry. It's not worth it if you get sick from anger."

Dou Xiaomin threw the newspaper aside, stood up, and said: "Let's eat, otherwise we'll be late for work."

"Hongwei!" The old lady called out: "Come over and eat."

Dou Guoyong said: "Hongwei, you probably don't know yet, but our area is going to be demolished. Dad's tube apartment can be exchanged for a small two-bedroom unit."

"I know about this." Che Hongwei picked up a stool and sat down: "People in my unit are all talking about this, and the district and Yuxi Real Estate have almost finished negotiating. We can sign the contract by the end of the month."

Dou Guoyong slapped his forehead: "Right, right, right, how could you guys not know about this."

Dou Xiaomin picked up a fried dough stick and took a bite: "I'm planning to buy a house here. Big brother, you should buy one here too. Living close to Mom and Dad will make it easier to take care of them."

Dou Guoyong was tempted. Now that he could earn over 10,000 yuan a month, he felt quite confident.

"Buying is fine, but I don't know how much it costs."

"It won't be cheap." Dou Xiaomin said: "I heard from company leaders that they want to build a high-end community, even better than Fangzhuang. Look at the housing prices in Fangzhuang now; they are already over 2,100 yuan. Do you think it can be cheap here?"

Hearing that the housing price was even more expensive than Fangzhuang, Dou Guoyong's confidence suddenly disappeared, and he shook his head violently.

"Over 2,000 per square meter, how can I afford that? Forget it."

Dou Xiaomin said: "You earn over 10,000 yuan a month now. If you buy a two-bedroom apartment of 70 or 80 square meters, you'll save enough in less than two years."

Dou Guoyong still shook his head: "Not buying. Yesterday I saw a newly built community. It only takes twenty minutes to drive to Dad's place. I specifically went to ask, and it's only 1,300 per square meter."

"Can that be the same?" Dou Xiaomin explained: "A high-end community isn't just about the house; it's also about the surrounding supporting facilities. Our company wants to build a complex."

"Besides a high-end shopping plaza, there will be schools, nurseries, and hotels. Buying a house here will also increase in value faster and more."

"Still not buying." Dou Guoyong's attitude was very firm: "Too expensive."

Dou Xiaomin smiled: "According to our leaders, there is an employee purchase price for internal staff, which will be much cheaper. The specific rules aren't out yet. When they are, we'll see if relatives can also get a discount."

Just then, Che Hongwei looked at his wife helplessly: "Big brother drives a taxi and can earn over 10,000 a month, yet he won't buy. How much is our combined salary? Even if your company has an internal employee price, can you afford it?"

Dou Xiaomin glanced at Che Hongwei: "In the words of our chairman, ignorant people are too terrifying."

Che Hongwei had black lines on his face: "I call this having self-awareness."

Dou Xiaomin took a sip of soy milk. As for fermented bean juice, she, a native Jingcheng girl, couldn't get used to it either.

"The company will cooperate with banks. You only need to pay a 30% down payment to buy a house. I think if we save a little, it won't be a problem to buy a 100-square-meter three-bedroom apartment."

"Loan?" Che Hongwei really didn't know about this: "You can get a loan to buy a house?"

"Yes!" Dou Xiaomin finished the last bite of the fried dough stick: "We pay a 30% down payment, then take out a loan from the bank, and pay it back in installments over ten, twenty, or even thirty years, with money deducted from our passbook every month."

"Of course, mortgage loans are also very strict. You must have a stable job and a stable income. Not just anyone can get a loan."

Hearing that one could get a loan to buy a house and pay in installments, Dou Guoyong's interest was piqued again.

Che Hongwei pondered for a moment and said with great emotion: "This method is good. It allows ordinary people to afford houses."

"Calling you ignorant is overestimating you." Dou Xiaomin looked at her man with disdain again: "The year before last, the Construction Bank and the Industrial and Commercial Bank established real estate credit departments to handle personal housing credit business."

"It's just that the progress of housing system reform was slow, and this business wasn't promoted. However, in Zhuhai, they did carry out the business, but the real estate bubble burst, and the Construction Bank and the Industrial and Commercial Bank suffered heavy losses. After entering June, they completely stopped real estate credit business."

Che Hongwei really didn't know, but his wife was a bank teller, so she definitely knew more about such policies than he did.

Just then, Dou Guoyong spoke: "Since this real estate credit business has stopped, we can't get a loan to buy a house anymore, right?" ===== CHAPTER 1106 =====