sinovels Chapter 39 I need my own place
Chapter 39 I need my own place
Seeing that Li Mingyue was relieved, Mao Xiaoyu finally breathed a sigh of relief. Although what she had just said sounded quite nice, to Mao Xiaoyu, most of what she said was false and was just to fool Li Mingyue.
As for the claim that they would start selling houses in the second half of the year and make a few thousand or tens of thousands of yuan from each house, that was just talk. As for actually selling houses, how could that be possible? It was obvious that they were lying to Li Mingyue.
After all, it's been almost half a year, and she probably hasn't even earned back the value-added tax, not to mention the property tax, transfer fees, and processing fees, all of which cost money. If these houses aren't demolished, Mao Xiaoyu simply wouldn't dare to sell them like this in the short term.
Knowing that this area was going to be demolished, Mao Xiaoyu dared to buy it. After all, with the demolition compensation as a safety net, even if the interest rate was a little higher, the loan term would be shorter, which wouldn't be a problem. At that time, she would only care about how much she would earn.
And so, after a few drinks, the two of them got excited.
"Old Li, everything else is just nonsense. This is the real deal." As he said this, Mao Xiaoyu took out 5000 yuan from his pocket and put it on the table.
Seeing Mao Xiaoyu pull out 5000 yuan, Li Mingyue finally felt relieved. She had enjoyed drinking, but she hadn't seen any money, which had made her quite anxious, worried that Mao Xiaoyu might change her mind. Now that she saw the money, it meant that things between the two of them had really started.
"Look, how embarrassing," Li Mingyue said somewhat insincerely.
"There's nothing to be embarrassed about. In today's society, we talk about what we earn through our labor... Only through reciprocity can we become good partners... Right?... Please accept this; it's what you deserve... If you don't accept it, what kind of person are you?"
However, there is one thing, which is that every time I withdraw money from the bank to give you, it is a bit troublesome, because the house I buy in the future, may be a bit small and the price is not too high. Giving you a few hundred yuan and receiving 1000 or 2000 yuan in return is a bit inconvenient.
"How about you give me a bank card? Every time your loan comes through, ... I'll transfer a sum of money to your bank card within 24 hours, according to the loan amount... That way, it'll be easier to pay you... What do you think?" Mao Xiaoyu rattled off a whole bunch of things.
Hearing Mao Xiaoyu's words, Li Mingyue thought about it and felt it made sense. If she had to bring cash every time she took out a loan, it would be fine once or twice, but dozens or hundreds of times, bringing cash would be too troublesome. In that case, it would be better to transfer the money to her bank account.
However, it's definitely not okay to transfer money to your own bank card, as financial institutions can easily detect that. So, if you want to transfer money, it's best to transfer it to someone else's bank card.
Li Mingyue frowned and thought for a moment, then hesitated and said, "Let's wait two days. I'll get a bank card in two days, and you can transfer money to that card from now on."
Li Mingyue decided to use his brother-in-law's ID card to open a bank account in Shanghai, specifically to receive money transferred from Mao Xiaoyu. This way, he could do it discreetly without anyone noticing.
As for where Li Mingyue's brother-in-law's ID card came from, Li Mingyue got it from her sister when she went back home for the Chinese New Year. Besides her brother-in-law's ID card, she also had several other people's ID cards on her.
After all, for ordinary people who don't go out to work, many people don't even need to use their ID cards once a year.
So when Li Mingyue was celebrating the Chinese New Year, she took a few ID cards from some of her relatives and friends and told them that she would bring them back when she came back next time. She also gave each of them 100 yuan when she took their ID cards, and everyone was quite happy.
"Okay, give me your bank card number when the time comes. Once the loan is approved, I'll transfer the money to your bank card within 24 hours," Mao Xiaoyu agreed.
"Come on, it's no problem, let's have a drink." Li Zimingyue picked up her glass and toasted Mao Xiaoyu.
Mao Xiaoyu took a small sip, then said again, "Old Li, I might be buying a second house tomorrow. I'll sign the contract for this one at the housing management bureau tomorrow. Let me know what I need to bring for you, so I don't forget. Also, should I bring the things I need to your company, or what?"
Li Mingyue thought for a moment and said, "Well, it's best not to bring it into my company. You can wait for me at a coffee shop or somewhere outside the company. I'll come and get some documents. After all, if you keep coming to my office, it's easy for people to overthink things."
As for what documents you need to bring me, that's easy. Let me tell you. For example, the contract, the address and size of the house, and the property certificate number. These three are the most important.
With these three things, plus a copy of your ID card, I can help you complete the loan application process. Once the property ownership certificate is issued, bring it to me, and I can disburse the funds to you the next day.
As for how much you can borrow, let me tell you here: if it's an old house, I can only give you a loan at 80% of the original price of 5000 yuan per square meter. So you should buy a house that costs less than 4000 yuan per square meter.
Of course, it's not like all houses will be priced at 5 per square meter. A few houses can be priced at 5500 per square meter, but this can only happen a maximum of five times a month. If it happens too many times, my evaluation threshold will be too high, and our department manager will likely encounter problems in the end.
Upon hearing Li Mingyue's words, Mao Xiaoyu frowned. Since this matter wasn't discussed last time, it was a bit troublesome to bring up the price issue this time. If it was really estimated at 5000 yuan per square meter, then when she took over the house, she could only offer a maximum of 3900 yuan per square meter. Otherwise, she simply wouldn't be able to manage her cash flow.
Mao Xiaoyu thought for a moment and figured that at most half of the 43 houses could be negotiated down to 3900 yuan per square meter, while the remaining houses could be priced at 4100 or 4200 yuan per square meter. The most expensive house might even cost 5000 yuan per square meter to secure.
Judging from the loan situation here, it's possible that after acquiring 43 houses, there won't be any money left in hand. That would be a bit troublesome. Not having money in hand always makes one feel empty and uneasy. After thinking about it, Mao Xiaoyu decided to talk about it again.
"Old Li, I agree with most of the housing prices you mentioned, but some of the older houses are really nice. If you say the highest price is 5500 per square meter, to be honest, that price is probably only what I would pay to get the property. If I were to mortgage it to you, the price would be too low," Mao Xiaoyu said, pretending to complain.
"Then try to buy a cheaper house. If you buy a house that costs more than 5500 per square meter, and it's an old house, how do you expect to get a loan from us?"
Because the housing prices are so high, if I apply for 7000 or 8000 per square meter, it will be far above the market price. Our company will definitely send an appraiser to assess the house, and the assessment will definitely not be approved.
"But if the price is within the market range, honestly, it doesn't matter how much you borrow. Like I said at the beginning, if you buy below 4000 yuan per square meter, I'll lend you 5000 yuan per square meter, at an 8% discount. I can lend you 200 or 300 units a month without any problem," Li Mingyue said.
Hearing Li Mingyue's words, Mao Xiaoyu knew that Li Mingyue was not the same Li Mingyue from two years later in her previous life. The current Li Mingyue still had a bottom line, which was why she said these words to him. If it were the previous life, she would have already gone too far.
Of course, he would die quickly, which is why he had problems in his previous life and was arrested for a mission. If he can really stick to this bottom line in this life, then he shouldn't have too many problems.
But if the other party insists on their bottom line, then I'm in trouble. If they take over 43 houses, then I might not even have enough 50 yuan left.
It's not easy to use loans to pay off other loans. Fortunately, I took out a one-year loan, so I don't need to repay it during this period. I only need to repay the principal and interest after one year. However, the demolition will take place in July, so I can receive the demolition compensation this year, instead of waiting a year.
So I'll have to be careful with my money going forward. But I'll consider the house I bought tomorrow for 3700 yuan per square meter a good deal. If I bring it out at 4000 yuan per square meter, I'll make a little extra money to supplement my funds.
Mao Xiaoyu felt that she needed to put some pressure on Guo Xiaoyan's group and get them to lower the prices a bit more. She hoped that some of the best houses could be bought for 3800 or 3700, otherwise, the money would be a bit of a problem.
"Okay, I understand. But you must get the loan on time. I don't want to cause you any trouble, and you can't let me down either, otherwise it will be a big problem if the funds don't arrive," Mao Xiaoyu said cautiously.
"Don't worry about that. Since we've agreed to cooperate, we should definitely show a cooperative attitude. Since I promised you, I can definitely do it," Li Mingyue said earnestly.
"Okay, then I'll buy the house tomorrow and bring the documents to you. Remember to keep an eye on my phone; I'll probably call you around 11 o'clock," Mao Xiaoyu said.
"You don't need to call me from outside tomorrow. Just come to my company tomorrow. After all, you still have a mortgage with me. I gave you the money today, but you still have some documents to take. When you come tomorrow, just bring me the documents you signed and the mortgage documents." Li Mingyue said.
"Oh, no problem." Mao Xiaoyu readily agreed on the surface, but she was getting annoyed inside. Where did she put all these loan documents?
I'm not comfortable taking it home, and if I put it under my electric scooter, I'm afraid the scooter will be stolen, and then all the documents will be gone. As for putting it in the rented room at the hospital, that's definitely not a good idea either.
Or we could wait until tomorrow and see if we can get the keys to the house as soon as we buy it. If we do, we can change the locks on the house we buy and put all our documents in the house we buy tomorrow. That way, we'll have our own place, and we can keep our important things there.
While drinking with Li Mingyue, Mao Xiaoyu was thinking about where to put her things in the house tomorrow.
Li Mingyue, however, became more and more excited as she drank, and began to ramble on and on about the hardships of her school days and the difficulties of her current job. This gave Mao Xiaoyu, who had a good relationship with Li Mingyue in her previous life, a lot of interesting things to hear.
After all, when Li Mingyue became friends with Mao Xiaoyu in his previous life, he had already started to have some money, unlike the poor loser he is now. In addition, after Li Mingyue was released from prison, he became even richer. So when he was drinking, there were some things he would no longer say.
Unlike Li Mingyue, who is now a poor loser, he has a cooperative relationship with Mao Xiaoyu. After drinking, he said some things that he shouldn't have said and some things that he should have said.
This also allowed Mao Xiaoyu to understand Li Mingyue better.
And so, the two of them drank and talked until 9:00 p.m., when Mao Xiaoyu felt it was getting late and had to say goodbye and leave, thus ending their drinking session for the night.
Of course, Li Mingyue drank 90% of the alcohol tonight. Mao Xiaoyu, being young, and controlling herself, didn't drink much at all; she just accompanied Li Mingyue to help her enjoy the drinks.
Therefore, after drinking, Mao Xiaoyu was still able to ride her electric scooter home in a sober state.
When Mao Xiaoyu arrived home, her parents were still awake. When they saw Mao Xiaoyu, who reeked of alcohol, they couldn't help but complain a bit.
After all, it was late at night, and Mao Xiaoyu had been drinking and had ridden all that way back. His parents were worried, so the couple started talking about Mao Xiaoyu's faults.
This made it difficult for Mao Xiaoyu to explain. Should she tell her parents that she was drinking with Li Mingyue not far away?
There was no way to talk about it, so I could only pretend not to hear and repeatedly promise that it would never happen again.
But seeing her parents complaining like this, Mao Xiaoyu felt even more eager to move out, since living with her parents was really inconvenient.
After being nagged for more than ten minutes, Mao Xiaoyu finally went to her room. She stayed in her room for more than ten minutes, and when she felt that her parents had gone back to their bedroom, she took her change of clothes and went to the bathroom.
After taking a shower and washing her clothes, Mao Xiaoyu returned to her room. Since she had to go to the housing management bureau to sign the contract at 9:00 the next morning, and her home was so far from the bureau, Mao Xiaoyu set her phone alarm for 7:00. After finishing all that, she finally fell asleep.