The walking koi started from winning the first prize in the lottery

Wu Shuangshuang wrote and drew on the paper.

The current annual income of 1,000 million yuan in savings financial products can bring about 40 yuan in interest.

There is still 1,580 million yuan left. I just paid a 5 yuan deposit for buying a house, and I still have 75 yuan that I have kept in my current account so that I can withdraw large amounts of cash at any time in case of emergencies.

With the remaining 1,500 million yuan, Wu Shuangshuang purchased a flexible financial savings product through mobile banking.

This product is very similar to Yu’e Bao on Mababa’s Alipay, and is very suitable for the flexible financial management needs of today’s young people.

Although the interest rate is relatively low and there is a daily withdrawal limit of 50 yuan, the advantage is that there is almost no interest like placing it on a current account.

平均每1万元一天可产生0.6元的利息，意味着每天将会有900元利息实时到账，一个月将会有27,000元的利息。每天。每1万元。

Wu Shuangshuang calculated that if she chooses to buy a house with a loan, the total house price will be 1,612,500 yuan, and 322,500% of the down payment will be yuan.

Then a loan of 129 million is required.

I just contacted a former colleague who worked in a bank and found out that the monthly mortgage payment for a 129-year mortgage of 30 million yuan is 6613.11 yuan.

Now, in addition to the interest income of 27,000 yuan, my monthly income, plus my monthly manuscript fee, must be more than 3 yuan.

Assuming that you can save 3 yuan every month, then it will be 36 yuan a year. Add another 1,000 million yuan in financial management income, then the financial management income alone will reach 76 yuan in a year.

选择贷款的话30年总共需要还238万元。比贷款129万来看，这30年来多还了109万。

But I don’t really know how to borrow money for 30 years. Think about it, I have 2,500 million yuan in hand.

Even if I don’t work every day for these 30 years, I won’t do anything. There are nearly 80 financial income every year. No matter how you think about it, it doesn’t hurt.

You can choose to take out a loan for 30 years, and then use the interest to pay off the entire loan after two years.

Although paying in full can be cheaper by 6 yuan, it is still cost-effective to take out a loan.

So Wu Shuangshuang quickly made a call to the sales lady who had just left her contact information, and agreed to go over with Dai Rongrong to pay the remaining down payment in 6 days.

After hanging up the phone, Wu Shuangshuang contacted Dai Rongrong again and told her how she chose to buy a house with a loan.

"Let me just say, it's still more cost-effective to take out a loan to buy a house now. If you have a lot of money, you might as well use it for other things. You should also keep some money on hand for decoration, right?"

"The down payment on my side requires a total of more than 32. What about your side? Is the down payment enough?" Wu Shuangshuang asked with concern.

"I was just about to tell you about this. My dad just called me and told me that he might not be able to help me with the down payment. Hey! I still have 5 yuan left in my hand. In the morning I just paid a deposit of 5 yuan, and I still have a short payment of 259,600 yuan. Counting him 26 yuan, that means I still have to borrow 21 yuan!"

"What? Your dad is too unreliable! You've already paid the down payment and he told you that he can't help you buy a house?"

"Yes, I have a headache now. I have to raise 21 yuan within a week. Oh, I have to borrow money. If you didn't buy a house, I could still borrow some from you. Now you I also have a mortgage, so I’m embarrassed to talk to you.”

"Hey, wait, don't hang up yet."

Wu Shuangshuang considered the words, "If you can't borrow it, I can help you. I said before that I wanted to buy a house with full payment because I still have some money in my hand. If I pay the down payment, I will be able to help you." There can be more, I'm not in a hurry to decorate anyway. You can wait until you sell the house you live in now and pay me back when you have money."

"Oh my God, Shuangshuang, you're so good! I love you so much! But I'm a little short of it. I'll borrow some from my relatives and friends today, and then I'll tell you how much I'm short of."

"Okay, then tell me tonight how much money you have left."

After hanging up the phone, Wu Shuangshuang still felt a little guilty.

In fact, she could have told Dai Rongrong that she could lend her 21 yuan, but she just didn't know how to explain where such money came from.

She didn't want her hard-won friendship to deteriorate because of the 3,000 million she unexpectedly won, so she could only help her good sisters quietly, little by little.

In the evening, Wu Shuangshuang received a call from Dai Rongrong. She had borrowed a total of 11 yuan from relatives and friends, and there was still a shortfall of 10 yuan.

Without saying anything, Wu Shuangshuang called Dai Rongrong 10 yuan through mobile banking.

"You don't have to worry about paying back this money. I still have some money in my hand. You can pay it back to other relatives and friends first."

"Baby, I love you so much. You are my lifesaver! Don't worry, I will calculate the interest on this money for you at an annualized rate of 3.6. When the time comes to pay back the money, I will give you one piece of the principal and interest!"

"Oh, no, no, no, we are good friends! Don't be in a hurry, don't be in a hurry, you don't have to give me interest. If you give me interest, you won't borrow it!"

"Baby, you are so kind, I love you! I estimate that this house will be sold within a year, and I will return it to you when I get the money!"

Although Wu Shuangshuang repeatedly emphasized that he was not in a hurry for her to pay back the money, Dai Rongrong still told her that even if she did not want the interest, he would still pay her back the money as soon as possible after selling the house.

After hanging up the phone, Wu Shuangshuang felt sweet in her heart. She was very happy that Dai Rongrong did not take her help to her for granted.

She thought that when she could find a solution in the future, she would help Dai Rongrong improve her life financially bit by bit and give her a hand.

After all, with so much money in hand, it would be a pity to keep it in the bank just to earn interest.

In the past, I had so many things I wanted to do, but I couldn't realize them due to lack of funds. Now that I have money, of course I have to work hard for my dreams.

As for buying a house, Wu Shuangshuang doesn't plan to tell her family right away. She hasn't figured out how to talk to her parents yet?

When your job improves a bit and you have a better idea, you can tell your parents about buying a house.

But you can talk to your parents about buying a car.

"Mom and Dad, have you seen the pink Good Cat electric car parked downstairs?"

"Well, what's wrong? You like it! Hey, it's a pity that your dad can't get the money back, otherwise he can still buy you a car."

Mom said feeling a little depressed.

"Thump thump thump, look!"

Wu Shuangshuang shook the car keys on her fingers.

"This...this...did you buy the car downstairs?"

"Yes, right? I bought it with royalties and deposits. I can drive my own car to take you out when you go out for fun!"

Father Wu took the key in shock, walked to the window, pressed the key to the car, and saw the car lights flashing before confirming that his daughter was not joking.

The whole family was very happy, but Wu's father was a little bit annoyed that Wu Shuangshuang didn't ask him to go see it with him for such a big event as Wu Shuangshuang buying a car. However, he bought it all with Wu Shuangshuang's own money, so he let it go after a few words.