Chapter 716: Rural Absurd Tales Chapter 716 Wang Erhai, What Are You Doing!

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Protagonist:

Li Xiulan

Wang Erhai left Liu Mei Qi's house in a huff.

While taking the elevator down to the basement, he unexpectedly ran into the woman from last night, Zhang Yueran.

"Mr. Wang, your complexion doesn't look too good."

Seeing Wang Erhai walk into the elevator with a dark face, Zhang Yueran couldn't help but smile teasingly.

In her opinion, Wang Erhai had married a crazy woman, which was truly pitiful.

"Whether my complexion is good or not is none of your concern."

Wang Erhai replied coldly.

Last night he had already compensated Liu Mei Qi ten thousand yuan for her, and he felt he no longer owed Zhang Yueran anything.

Besides, he didn't want to have too much interaction with Zhang Yueran, otherwise if Liu Mei Qi saw it and misunderstood, that would be another headache for him.

"Don't misunderstand, I'm just asking out of concern, I don't mean anything else."

At this time, Zhang Yueran's tone became a bit more sincere.

Because she could tell that Wang Erhai was in a bad mood.

"Thank you for your concern, I'm fine."

Wang Erhai now only hoped the elevator would hurry down to the basement, then he could walk out of the elevator, and then he wouldn't have to communicate with Zhang Yueran at all.

Finally, after much difficulty, it reached the basement.

Wang Erhai hurriedly walked out, went to his car, unlocked it, and got in.

At this time, however, he discovered that Zhang Yueran was also walking over here.

"Why are you following me?"

Wang Erhai couldn't help but say.

Zhang Yueran laughed:

"I'm not following you, my car is also parked over here."

Zhang Yueran pressed the car keys once, and the headlights of a car next to Wang Erhai flashed twice.

Only then did Wang Erhai realize that he had just spoken without thinking.

He had been made to feel very bad by the continuous stream of troublesome matters, to the extent that his words and actions lacked some thought.

"Sorry, I misunderstood you."

Wang Erhai hurriedly apologized.

"It's nothing, we're neighbors after all, if there's anything, we should communicate well."

Zhang Yueran responded with a smile, then got in her car and left.

Wang Erhai said nothing more and drove out.

Soon, he arrived at Shanhai Real Estate.

It was now lunchtime, and the employees in the company had all gone to eat lunch.

Wang Erhai ordered a takeout and sat in the office smoking.

He discovered that recently he had been smoking terribly heavily.

Previously half a pack a day was enough, now even a pack a day wasn't enough.

Besides, he also felt that his body was much more tired than before.

That kind of tiredness couldn't be relieved just by getting enough rest.

Soon, the takeout arrived.

He was eating the takeout when footsteps came from outside the company.

"Is anyone there?"

It was a woman's voice, and the voice sounded somewhat familiar.

Wang Erhai hurriedly took the takeout box and walked out while eating.

"Yes, are you here to see a house?"

Wang Erhai walked to the employee lobby and saw that the person coming was none other than Zhang Yueran.

He was stunned:

"How did you come here?"

And almost at the same time, Zhang Yueran was also stunned and blurted out:

"How did you come here?"

Wang Erhai swallowed the food in his mouth and hurriedly said:

"I'm the boss of this company, where else would I go if not here?"

Zhang Yueran nodded in realization:

"I see, so you're a real estate tycoon, no wonder your wife is so unreasonable, I've heard that people in real estate are all upstarts."

Wang Erhai's face was full of embarrassment, and he hurriedly said: "No, no, I just opened a small real estate intermediary company, why did you come here?"

"To see a house, I come to an intermediary company, naturally to see a house, could it be that I specially came to see you?"

Zhang Yueran's words left Wang Erhai not knowing what to say for a while.

But he soon entered work mode:

"What kind of house do you want?"

Zhang Yueran said:

"I want one closer to Erzhong."

Wang Erhai said:

"Then you've come to the right place. The development closest to Erzhong is Huangsheng New City, and Shanhai Real Estate is the general sales agent for Huangsheng New City. Buying from us can get you the best price."

Zhang Yueran nodded and said:

"I heard from a friend that your place offers better deals, so I came here to consult. By the way, I also want to list the house I'm currently living in for sale. I don't know how the second-hand housing market is now?"

Wang Erhai answered honestly:

"Nowadays many people prefer to buy new houses, and since our county town has limited buyers, second-hand house listing prices aren't low, but they're hard to sell. Unless the listed price is lower than the market price."

Zhang Yueran nodded:

"Is that so."

Then she asked again:

"If I buy a second house, how much down payment do I need?"

Wang Erhai answered honestly:

"The current policy is 'loan-based, not house-based'. No matter where, the down payment for a second house must be no less than 60%, and the loan interest rate must be no less than 1.1 times the benchmark rate."

This was the policy in 2014. Back then real estate control was very strict, unlike now, with various easing policies, and not many people buy houses.

"What's the loan interest rate?" Zhang Yueran asked again.

Wang Erhai answered honestly:

"It depends on whether you use a housing provident fund loan or a commercial loan. Commercial loan rates are quite high now. For commercial loans over five years, the rate is around 6.55%. At 1.1 times, that's 7.2%. Exactly how much depends on which bank you borrow from. The four major banks and other smaller banks all have slightly different rates."

Zhang Yueran said: "I'm using a housing provident fund loan."

Wang Erhai said: "For housing provident fund loans, the rate will be lower. Around 4.25% for over five years. At 1.1 times, that's 4.67%."

Zhang Yueran nodded: "Is that so... When my parents bought the house I live in now, they used a commercial loan, but the rate was only 3.5. Now it's risen so much that even housing provident fund loans are over 4%."

At that time it was a period of rapid growth in real estate. The state introduced various purchase restriction policies to curb speculation, and also raised loan interest rates significantly, but this still couldn't stop people's enthusiasm for real estate.

"No choice. The market is like this now. House prices change every day. Now is a good time to buy. If you have enough funds, you should get in the car quickly."

Wang Erhai said this.

As a real estate intermediary, he naturally promoted a rising housing market and urged others to get in the car quickly.

Because that's how he could earn money.

But actually, in his heart he felt house prices could crash at any time.

That's why he still hadn't bought a house himself until now.

Previously when he went to Guangzhou to look at houses, it was Liu Mei Qi who forced him to go, and he reluctantly went to look around.

"What are the house prices in Huangsheng New City now?"

Zhang Yueran asked this question again.

"Around six thousand. It depends on the unit type and the floor."

"Sigh, it's so expensive." Zhang Yueran sighed.

Wang Erhai said:

"It's okay. Prices will keep going up. What's your budget?"

Zhang Yueran said:

"I can at most come up with 400,000 for the down payment."

Wang Erhai couldn't help but praise:

"Miss Zhang is truly young and accomplished. You've already bought one house, and you can actually come up with 400,000 for a second down payment! May I ask, Miss Zhang, what do you do for work?"

Zhang Yueran said:

"I'm a teacher at Erzhong. The house I live in now was bought by my parents in my name. I didn't put in much money. As for the 400,000 down payment now, don't laugh at me, half of it was given by my parents."

"400,000 is enough. A 100-square-meter house costs only 600,000 total. 60% down payment is 360,000. You can indeed get in the car now."

Zhang Yueran nodded, then asked again:

"Can you help me calculate? For a housing provident fund loan over 30 years, how much total interest plus principal?"

"Do you choose equal principal repayment or equal principal and interest repayment?"

"Equal principal repayment. Equal principal repayment has less interest."

Wang Erhai opened the mortgage calculator on his mobile phone and started calculating:

"If you buy a 100-square-meter house, total price 600,000, down payment 360,000, then the loan is 240,000. A 240,000 loan for 30 years at 4.67% interest, then total interest plus principal to repay... 307,300!"

While Wang Erhai was calculating, Zhang Yueran leaned over to look. The distance between them was less than five centimeters.

And just then, Liu Mei Qi arrived.

When she saw the scene of Wang Erhai and Zhang Yueran leaning together, her face twitched, and anger instantly erupted.

"Wang Erhai, what are you doing!"