Another thing that I have to mention is that the small three-bedroom apartment I live in now is not the loan of 200,000 yuan? She actually paid it back too!

I,"……".

After all, I have earned a total of 600,000 yuan in the past five years. My mother and my sister gave us 60,000 yuan, and took out the loan of 200,000 yuan. Including the 300,000 yuan I saved, in fact, we didn’t spend 200,000 yuan in all the expenses in five years.

I really think that living in a city like Beijing is too little.

I haven't seen her buy any good clothes over the years. It seems that she often took them out and changed them to wear them.

Sometimes I really can't stand it, so I say to her, "Wife, you should buy some good clothes too. We are no longer so short of money now. If you dress beautifully, I will also have face."

Whenever this happens, Jiang Xi will smile and say to me, "The clothes I can wear on are very good. Don't I look good?"

That's not. To be honest, she is still better looking than many young girls wearing bright clothes. If she doesn't say anything about her clothes, no one else would guess that she bought them from Taobao for dozens of dollars or about one hundred dollars. Some of them have even been worn for many years and are still very beautiful when worn on her.

I can't argue with this point.

Although she is no longer young and has fine lines in the corners of her eyes. Although she often has two big dark circles because she stays up late to write a manuscript. In the past or two years, she has started to lose her hair and suffers insomnia, in my eyes, she is still the most beautiful woman.

She also said, "I am at home all day and don't go out. There is no need to buy too expensive clothes. I can buy you two good sets and wear them on important occasions."

I don’t attach much importance to wearing, let alone she doesn’t buy expensive clothes. How can I have the will to buy expensive clothes?

My clothes were also bought by her from Taobao. The clothes she chose for me, the styles and fabrics were very comfortable, so I didn’t feel any embarrassment when I went out to meet customers or leaders.

In terms of food, Jiang Xi never missed the three of us. She tried her best to satisfy her what she wanted to eat except junk food. She just could make it herself and rarely ordered takeout. She said that takeout was expensive on the one hand, but neither healthy nor hygienic on the other hand.

I think the 300,000 yuan we had probably saved up in this way with her thrifty family.

Three hundred thousand yuan is just enough for the down payment of a house of 900,000 yuan. My salary is still OK now, and I still have enough living expenses to lose, so...

If you want to buy a house with a little money, it is probably the shared idea of ​​young people in our era, because investing in a house is really both insured and profitable.

So, for a week, Jiang Xi studied the houses in the north of Nanjing while writing every day.

My elder sister used the money she had paid for her divorce and bought a single-bedroom, second-hand house in Nanjing two years ago.

My second sister made more and more money because of her second brother-in-law’s boat trip. They also bought a three-bedroom second-hand house worth more than 120 square meters in the community near her eldest sister.

When Jiang Xi also wanted to buy a house in Nanjing, the eldest sister, second sister and I all felt that we should buy it in the same community or nearby community with them.

After listening to our suggestions, Jiang Xi also thought it was very good. If everyone lives together in the future, the whole family can take care of each other.

However, after she studied for a week, she said, "We can't buy a house with your eldest and second sisters."

I asked immediately, "Why?"

She explained to me seriously, "There are several reasons. First, I actually like to buy second-hand houses, because I can see the physical objects of second-hand houses. When I buy them, I feel at ease. If I can't see the pre-sale houses, all accidents may happen in the future. However, this time, we only have 300,000 yuan in hand, which is not suitable for buying second-hand houses. The tax on second-hand houses is high. In addition to paying taxes, we only have a down payment of more than 200,000 yuan. It may be about ten square meters smaller than the houses bought in the pre-sale houses. It is not cost-effective. Also, we are not in a hurry to live in this house, so we have to choose a pre-sale house this time."

"Oh!" I listened to her explanation carefully, but in fact, I didn't know very well in my mind.

She continued, "Second, I have been talking to several intermediaries for a long time these days. I can definitely come to a conclusion that the two communities your elder sister and second sister bought are not very good. We have children, so we have to choose a community with a good school district. In addition, people now pay great attention to the education of children. A good school district is the first factor for house appreciation. Therefore, I decided not to buy houses near their community. I liked a place a little far away from them, a new property, a house in Dahua Jinxiu xx. Although the primary school district here is incomparable to the school district in Gulou District, Shili, it is one of the best school districts in Qiaobei. I think it is worth buying, which has both residential value and investment value."

After hearing this, I thought it made sense. I remember Jiang Xi said before that times have changed. Now, when buying a house, you should not only consider the value of your residence, but also consider the value of appreciation and the value of resale.

Of course I was convinced by her. Anyway, if she wanted to convince me, I would be convinced no matter how much, especially after my interference caused our family to lose two million last time, I dared not object to her ideas anymore.

When I called my second sister to tell her decision, the second sister said half-jokingly, "You are so happy, you have to write Jiang Xi's name this time, right?"

My second sister didn't know that I was pressing the speakerphone, so she didn't know that Jiang Xi also heard what she said.

As my real sister, I hope our family can write my name if they buy another house. Actually, I can still understand this idea, but I think Jiang Xi will definitely feel uncomfortable after listening to it.

If I turn off the hands-free at this time, it would be even more unsold here, so I quickly explained, "I don't have the ability to do this in this regard. It's better for Jiang Xi to do it. The relationship between us, isn't it the same if we write the same name."

Although the Marriage Law stipulates that the property of a couple after marriage belongs to the common real estate, the party with a name written on the real estate certificate will always have a sense of security. Otherwise, if the couple gets divorced, it will be considered a court judgment. If the other party cheats, the judge will have to ask the judge to force the other party to divide the house. It is very passive. If you write your own name and then divide your own house, it will be much easier.

But I have never been worried about Jiang Xi, so I didn’t feel at all uneasy when I wrote her name in the house. However, whenever my family talked about this, they would feel a little embarrassed.

The second sister then said unwillingly, "Brother, you are a man. Even if you are not capable, you should exercise. You should talk to Jiang Xi and let her give you a chance to exercise. If you don't exercise, of course you will never be able to do your ability. And Jiang Xi will do everything. If she is too worried, she will be very tired."

"Okay, I know my second sister. I have something to do, so I'll die first!"

I was afraid that my second sister would say something else Jiang Xi didn't like to hear, so I quickly hung up the phone.

When I turned around, I saw Jiang Xi looking at me meaningfully.

I quickly said, "Wife, don't take my second sister's words seriously. I don't want to exercise any ability at all. Just have you. I'll work hard to make money to buy a house for you. Just let it go."

My words were probably warm to Jiangxi. She walked to me with a sweet smile on her face, hugged my neck and said, "Actually, if you want, you can also give you a chance to exercise this time. I have to go to Nanjing to buy a house. I have to take care of Jiangdong at home. It may be more convenient for you to go to Nanjing."

"Wife, you really don't have to think too much. I really don't care about these things. Can you abandon me?"

Jiang Xi smiled very brightly again, "Actually, you can't blame your sisters for being unbalanced. The mortgage loan for this house in my house is something you have to pay for. You will buy a new house immediately. It is also the down payment you earn. Then you have to pay for the loan. I thought about it and I was actually a bit too domineering. After writing for so many years, you have supported me for so many years, and you have never made any strong complaints..."

That's because I dare not make strong complaints. She cried and made a fuss with me at the small complaints. It seemed that if I didn't let her write, it would be like I wouldn't let her live. How could I have any big complaints? I really don't want to have any complaints, but...

"Oh, wife, what are you complaining about? You are my dear wife. Look at the house you chose, you have earned us two or three million. My colleagues and I bought the houses in Huilongguan and Xierqi. The houses we bought are not as high as our houses. You have such a visionary wife and never blame me for the mistakes I made. What's wrong with me raising you for the rest of my life? Raising you is my honor, and it is my greatest achievement and happiness in my life!"

Emma! After saying this, my face turned red. After so many years, my flattery knowledge was almost exhausted. Jiang Xi seemed to be able to resist flattery and became stronger and stronger. I don’t know if this wave of flattery can make her feel comfortable.

As a result, Jiang Xi still enjoys this set.

"Hahahaha! Husband, you are still so cute," she put one hand on my shoulder, looking like she was good to my brother, and said with a ruffian look, "Since you have been with me for so many years, I will give you a house. You can apply for this house in Nanjing, you can take out your own loan and write your own name."

When I heard this, I couldn't believe it, but said, "It's really not necessary. Anyway, the house under your name belongs to you, and you are mine."

Jiang Xi pinched my bun face and said, "Stop pretending, I don't know your little thoughts. I think it's time for you to exercise your abilities. You have to be successful and don't mess up the matter."

I pursed my lips and smiled shyly, "Wife, I will definitely work hard."

"Be good!"

I,"……".

I always feel like I have been pinned to my elder sister's hand for the rest of my life.

I am usually busy at work, so in fact, everything is still in contact with Jiang Xi and the sales lady in Nanjing.

One Friday night, I bought the train ticket, Jiang Xi prepared all the necessary materials for me, and then told me some words.

"I have chosen all the houses, 20 buildings 601, and the house is located on the southwest side. It has a very transparent and very good layout. It has a transparent apartment with north and south.

I thought about it and said, "The weather in Nanjing is different from that in Beijing. Nanjing is very hot in the west in summer."

Jiang Xi smiled and said, "Although I am from the north, I understand this. I have already studied it. The east side of this building is a stinky ditch, and the west side is the greening in the community. The building is twenty stories high, so the lighting below the sixth floor is not very good. There is also a building blocking the west front of the sixth floor, which is basically impossible to dry in the west, but because the distance is far, it does not affect the lighting, let alone the south side, it is the best street garden in the community. So, I think I chose the best house in this building hahahaha!"

After he said this, I felt that she chose the best house, but I really don’t know how she did it. She didn’t come to the scene and the house was not built. Just by the few drawings sent to her by the sales lady, she saw everything clearly. I was thinking, maybe she was born to buy a house.

She also said, "The sales lady must read all the documents that you have signed by you and pay attention to see if there are any pitfalls."

As soon as Jiang Xi said this, I was a little nervous because I felt that even if there was a pitfall, I might not be able to see it!

Fortunately, Jiang Xi said in a sentence, "Generally, such formal large companies and famous companies have no pitfalls. They don't have to worry about selling their houses, and I don't dare to buy small developers' houses, so you don't have to worry too much."

In this way, I finally breathed a sigh of relief.

As a result, she said, "There is one thing that is very important, you must remember it clearly."

"What's the matter?" I became nervous again.

"It means when choosing a loan method, you must choose an equal principal, not an equal principal and interest." Jiang Xi reminded seriously

"Oh? Then what's the difference between these two methods?" I really don't understand.

Jiang Xi said, "The equal principal means that the initial repayment amount is higher, and the monthly interest rate is gradually decreasing; the equal principal and interest means that the monthly repayment amount and interest rate are fixed, and there is no change until the day of repayment."

"Then what are the advantages and disadvantages of these two methods?" I asked anxiously.

Jiang Xi said, "Take a loan of 600,000 yuan and a loan of 30 years as an example, the advantage of choosing an equal principal is that the total interest is tens of thousands less than the equal principal and interest. The disadvantage is that the amount of repayment starting from the equal principal is a bit too much. All of them are more suitable for people who are not stressed about repayment. If people who are under pressure to repay, they should choose an equal principal and interest, which can slow down some pressure, but the total interest is more than tens of thousands, and our repayment pressure is not great, so we must choose an equal principal and principal."

After hearing this, I roughly understood what it means, but I was a little dizzy, such as equal principal and interest. I thought, when the contract is signed, I will call Jiang Xi again.

Because of catching the train, Jiang Xi later told some small things, and I said, "Okay, okay!" But in fact, I didn't listen carefully.

Maybe I grew up so old, although I read a lot of books, I have never done anything big. I can finally do something big, and I buy a house worth nearly one million. And this time the house was written by me alone, and I felt a little proud, so I was sitting on the train all the way, and I was complicated and excited.

When I arrived in Nanjing, I took a taxi directly to the Qiaobei Sales Office and met the sales lady who had made an appointment in advance. The sales lady had already prepared the materials for signing the contract. However, because it was the opening day, people who bought the house were lined up in a row, and the sales lady kept calling me that I had to work very hard to keep up with her from the crowd.

Finally she took me to a signing hall where many people were signing contracts. She put the materials in front of me and started asking me to sign.

She said, "Your lover has chosen everything. You just need to look at these contracts. If there is no problem, just sign it."

So, in fact, I am just an errand runner, and I don’t have to worry about anything at all. With this understanding, my mood has also been much more relaxed.

To be honest, I don’t spend time researching or talent in this area. Seeing so many documents to be signed by the sales lady, I was confused, so I didn’t look carefully, and I signed whatever I asked me to sign.

The environment was very noisy at that time, and the sales lady kept urging me to get faster. There were indeed many people rushing to queue up to sign a contract to buy a house. So when she suddenly asked me, "When I choose the loan equal principal and interest?" I said equal principal and interest as soon as I spoke.

I remember Jiang Xi asked me to choose the same principal and interest, yes! That's right!

I kept returning to Beijing with the contract and walked into the house, I was still full of confidence and I made no mistake.

So, Jiang Xi smiled and looked at the contract while saying, "Okay, you have grown up and can do big things..."

Before she finished speaking, Jiang Xi's face changed. She pointed to a place on the contract and said, "Didn't I want you to choose an equal principal? Why did you choose an equal principal or interest?"

"Ah?" I was even more confused by his question, "Didn't you let me choose equal principal and interest? Didn't you save interest on equal principal and interest?"

Jiang Xi said nothing and looked at me with Li Mochou's eyes.

My whole body tightened and finally realized that I might have remembered it wrong. Oh, at that moment, I regretted it very much. I should not be influenced by the sales lady. I should call Jiang Xi to confirm even if I am anxious.

I lowered my eyes and didn't dare to look at Jiang Xi's eyes. At this moment, a lies that my grandmother told me when she was a child appeared in my mind.

A long time ago, dogs had higher status than humans. Because dogs are very loyal, but people are not loyal, so the mountain god said to the dog, "You go to the world, you must remember that dogs eat, people eat shit..."

The dog nodded obediently, "Thank you, the mountain god, I remember."

Dogs know that they have a bad memory, and people always say that they remember to eat or beat them. Therefore, they are particularly afraid that they will forget the command of the gods. So they keep muttering: Dogs eat, people eat shit, dogs eat, people eat shit, dogs eat...

"Ah!" No, the dog fell a big fuck.
Chapter completed!