Rebirth: Stockbroker, I have market data

Chapter 126: Poor and humble couples suffer from everything

Xiao Jin walked out of Yingke Electronics and sent a text message to Tang Xiaohe to tell him that he was leaving. However, he did not tell Tang Xiaohe what happened with Feng Anhe just now. He thought that it would not be too late to talk about it after Feng Anhe really took action. , otherwise, this will interfere with Tang Xiaohe's state.

At this time, Xiao Jin received another call from Li Tao, saying that he and Pan Ningyun were coming back tonight and invited him and Fang Siyu to have dinner. They said they had something to discuss, and Xiao Jin naturally agreed.

In the evening, the four of them found a decent restaurant for dinner and agreed that Li Tao would pay the bill.

Before eating, Pan Ningyun showed a red book—the marriage certificate—in front of everyone.

The two returned to Northeast China this time and successfully obtained the certificate. After that, they flew back to Shanghai non-stop. The date on the certificate was today, freshly issued.

During this period of time, the relationship between the four people has been very close. In the metropolis of Shanghai, they are like good friends who "share the same boat".

Next, it was Li Tao's words. In addition to celebrating the two of them having dinner at the party tonight, Li Tao mainly hoped that Fang Siyu could help find a suitable house for the couple because they were going to settle in Shanghai.

Fang Siyu naturally took matters into her own hands. Even though the two of them had limited funds, Fang Siyu still had a good house, and the four of them discussed it at the dinner table.

What Li Tao and Pan Ningyun meant was that it would be best to choose a suitable house in several districts in Puxi, even if it is smaller. This is to be able to commute closer to get off work, and it is better to be larger than the house they rent now. It must be a two-bedroom apartment, prepared for the new life in the future.

Fifty square meters, two bedrooms, this is the minimum requirement for two people, and the down payment for the house price is best controlled within 30.

This budget is a bit tight. Nowadays, there are still houses worth 2 yuan per square meter in Pudong, but they are all in very remote places, let alone several districts in Puxi.

"Lao Po Xiao, can you accept it?" Fang Siyu finally came up with a solution after listening to the two people's budget.

"Old and broken? How broken is that?!" Pan Ningyun asked.

"The house must be at least 30 years old! However, the location is amazing, and it's not far from the school!" Fang Siyu explained.

"How big is that?"

"Well, there are some with more than 40 square meters. Don't underestimate these old and poor ones. Just because the location is good, the price is not low. One square meter is generally more than [-] yuan, and there are good ones and even more than [-] yuan! "

"Well, if we calculate it as 100 yuan or 20 square meters, the total price will be 20 million. With a down payment of [-]%, it will be [-] yuan. That's okay!" Li Tao said after calculation.

"Oh, don't just think about the price. You have to go and see it on site. Besides, forty square meters is just a little bigger than what we live in now!" Pan Ningyun said with some dissatisfaction.

"The common area of ​​old and small apartments is generally not large, it is a little bigger than the house you live in now!" Fang Siyu continued to explain.

"Xiaoyu, whenever you have time, let's look at a house together. You can help me prepare a few more houses!" Pan Ningyun continued.

"I'm free at any time, this is my job! Haha! You guys, on the other hand, are only free on weekends!"

"Okay tomorrow, let's go look at the house!"

"Okay! Just wait for me to go to work tomorrow and help you find some suitable houses."

Xiao Jin thought the three of them had made an agreement, so he started talking to Li Tao about other things. However, Li Tao had not yet gotten over the house matter. Even after paying the down payment of the house, based on the maximum 30-year loan calculation, according to the provident fund Calculating the loan interest rate, a mortgage of RMB 80 would require repayments of RMB 4000 per month, which is quite stressful.

Li Tao does not have many client assets in the company. His income last month was only more than 2000 yuan. The upfront payment for the mortgage would only cost him the money he had earned from his work over the past few years. Pan Ningyun's salary will be enough to cover the payment. The two of them can only use one person's salary to repay the loan, and the other person's salary to ensure their living. They are stretched thin.

Pan Ningyun was a little unhappy when he heard this, and said: "Who told your family to get less money? If we get more money, we will be better off!"

It turned out that when the two returned to their hometown this time, Pan Ningyun's family donated 20 yuan. She planned that Li Tao's family would also donate 20 yuan, but in the end, Li Tao's family only sponsored 10 yuan, for a total of 30 yuan, which made Pan Ningyun feel worried. A pimple.

But even so, Li Tao's family was already overdrafted, and he himself felt very sad and under greater pressure.

Hearing Pan Ningyun's words of not giving face, he immediately frowned. He knew that Pan Ningyun wanted a bigger house, but he couldn't give it to him.

Pan Ningyun works in a high-end hotel, and the customers she comes into contact with every day are either rich or expensive, and she usually dresses brightly. If Pan Ningyun is required to use her monthly salary to pay the mortgage, her quality of life will drop rapidly, so she is dissatisfied. Makes sense.

"Even if my family has to spend 20 yuan, should we pay 30% down?!" Li Tao continued his logic.

"Of course it's a 20% down payment. With the extra 10 yuan, we can make some investments. Don't you know how to trade in stocks? If you put 10 yuan in the stock market, you can make money immediately. Didn't you say you can make money in one day? 10%!"

Pan Ningyun said such words in front of Xiao Jin, which made Li Tao lose his face.

Xiao Jin had previously said that he had earned a BMW by trading in the stock market. After Pan Ningyun found out, he began to ridicule Li Tao, who was usually known as a "professional stock investor."

"Then let's wait and invest all 30 in the stock market! We can make 3 in one day!"

Li Tao also started to get angry. He ignored it and started talking nonsense.

"You dare?! We only have this little money, and if you use it all to speculate in stocks, what will you do if you lose money? Are you a stock god? Isn't that the time you lost money in the first place?!"

The two started to quarrel!

Xiao Jin and Fang Siyu looked at each other and quickly tried to persuade and interrupt.

"Hey, today is a good day for you two to get your certificates, why are you still quarreling! Don't worry, I will help you find a suitable house!" Fang Siyu promised, patting her chest.

"That's right, Li Tao, don't fool around. Besides, you also know the current real estate market. It will still rise in the future. If you don't buy now, the house prices will get higher and higher in the future!" Xiao Jin only needs to say " To persuade others, the way they treat others will also be applied to others."

Li Tao and Pan Ningyun could naturally understand what they meant. Today was indeed a good day for them to receive their certificates, so they could no longer say such depressing words.

At the end of the day, Xiao Jin still handed Li Tao 1000 yuan as a gift from himself and Fang Siyu.

The four returned to Sanhe Community, and Li Tao said with emotion:

"Hey, I've lived in this community for two years, and it's time to move soon!"

The rent for Li Tao and Pan Ningyun's small house is about to expire in April. In order to save rent, they must move in April.

The two groups broke up in the community, and Xiao Jin put his arm around Fang Siyu's shoulders and said:

"Hey, my apartment is about to expire at the end of March. Should I renew the lease then? Or move in with you?!"

"You think so well, you can buy a house like Li Tao, and I can help you find a house, haha!"

......