Stepmother Reborn: Dad, my mom hasn't hit me for three days

When Zhang Xiuhua got home, Ji Lin and Yaoyao had already prepared the meal. She served herself the meal and sat down to eat.

Xu Chunying came to see her again, and Zhang Xiuhua invited her to sit down and eat together.

Xu Chunying waved her hand, "There are a lot of dishes at home. I'll eat them when I get home."

Zhang Xiuhua didn't hesitate to ask her, "Is it done?"

"Yes! Hongwen agreed. All the money earned belongs to him. I found the principal and he agreed to lend a classroom to Hongwen. Hongwen is recruiting students in the village." Xu Chunying smiled, "All three of my children are in college, and I can finally breathe a sigh of relief."

Zhang Xiuhua didn't know whether to laugh or cry. "A few days ago you said you wanted to buy a house for Hongwu. Is this the next stage?"

When talking about buying a house, Xu Chunying lost her smile. "Why is the house price in Pengcheng so expensive? I will never be able to save enough money. One thousand one square meters, one hundred square meters will cost one hundred thousand. My God, one hundred thousand, it's killing me."

One hundred thousand is definitely a lot of money nowadays. Hongwu's monthly salary is 180 yuan. Even if he doesn't eat or drink, he will have to save for 45 years. But people can't live without food or drink. It's no wonder Xu Chunying is anxious, but Zhang Xiuhua said, "Can't we take out a loan?"

Hearing the word "loan", Xu Chunying shook her head like a rattle, "How can that be possible! They have owed money for 20 to 30 years. When have we ordinary people ever owed so much money? I can't sleep well at night."

At that time, housing loan was still a new term. Ordinary people were not used to owing money to banks. Especially when they had to pay it back for 20 or 30 years, it was like paying off the debt for the rest of their lives, which was like having a tight ring around their heads. It was understandable that many people were unwilling to accept it.

Zhang Xiuhua recalled that in her previous life, she was working in the south and wanted to buy a house, but she didn't have enough money. If she took out a 102-year mortgage, she would have to pay 102 yuan a month. She was frightened by the high mortgage and didn't dare to buy it. But before she was reborn, yuan was only enough for a week's living expenses. At that time, housing prices had risen very high.

Zhang Xiuhua thought for a while and advised her to buy, "Now the price of goods is rising so fast. Take the past few years, for example, radish was three cents per two catties, but this year it has risen to five cents per two catties. Prices are rising, but the money in our hands has not increased. If you buy a house, the money has been bought, but the money is still the same. Ten years ago, we thought ten yuan was a lot of money. But now, can we take it out easily?"

Xu Chunying was stunned and pondered her words carefully.

"If you buy it for him now, he won't have to pay rent. It will save him a lot of money. If you wait until you have enough money to buy it, all the rent he has paid over the years will be wasted, right?" Zhang Xiuhua clapped her hands, "Don't you think this makes sense?"

This idea was definitely advanced. Xu Chunying couldn't find any words to refute it, so she motioned her to stop talking and said, "Let me think about it for a while."

Zhang Xiuhua didn't say anything else and continued to eat her meal.

Xu Chunying thought about it for a long time, but still couldn't figure it out. She stood up and walked out, "I'll go back and think about it carefully."

Yaoyao interrupted, "Mom, Auntie wants to buy a house for Brother Hongwu?"

"Yes. He is not young anymore and has reached the age to get married. If he doesn't buy a house, he may not be able to find a wife." Zhang Xiuhua replied with a smile.

Yaoyao's eyes lit up, "How about I design a house for him? I don't want any money."

Zhang Xiuhua didn't know whether to laugh or cry. "He bought a commercial house, not a piece of land to build it himself. You want to be an architectural designer, not an interior designer. These are two different concepts."

Yaoyao suddenly realized, "Commercial housing? Those tall buildings? The kind of buildings that uncles build in the south?"

Zhang Xiuhua nodded, "Yes!"

Ji Lin was puzzled, "How can we climb such a high place? Climbing stairs every day, won't we be exhausted to death?"

"An elevator." Yaoyao explained to him with a smile, "This kind of elevator is mentioned in the book."

Ji Lin nodded to show that he had learned his lesson.

After staying at home for three days, Zhang Xiuhua went back to work.

When she came back, Xu Chunying was at her house, seemingly waiting for her.

Seeing her coming back, Xi Ziyang came forward and said, "Sister-in-law, I've thought about what you told me last time and I think it's feasible." She was a little embarrassed and said, "My Hongwu is not young anymore. Others think he is from another place and are unwilling to introduce him to a date. If we have a house, we can settle down in Pengcheng in the future, and the situation will be different."

Zhang Xiuhua smiled and nodded, "That's great. It's time for Hongwu to meet each other. After dating for a year and getting to know each other, you can get married."

Xu Chunying clapped her hands, "Yes! We still owe some money. I told my second brother about it, and he said he wanted to ask for your opinion. What do you think..."

Zhang Xiuhua understood that her sister-in-law wanted to borrow some money. Building a house was a big deal, and borrowing money to buy a house was a legitimate reason. She nodded and asked, "How much money do you want to borrow?"

Seeing that she didn't refuse, Xu Chunying breathed a sigh of relief and tremblingly stretched out five fingers, "Five thousand!"

Zhang Xiuhua nodded, "Okay! I'll go to the bank to withdraw the money and give it to you later."

Xu Chunying held her hand and shook it, "Thank you so much."

Zhang Xiuhua asked, "How much down payment do you plan to pay?"

Xu Chunying sighed, "Let's just use the family savings first. The money from the chicken farm won't be distributed until next year. We have saved 8,000 yuan, plus your 5,000 yuan, a total of 13,000 yuan. Hongwu has saved 1,000 yuan, so the total is 14,000 yuan. We need to borrow 36,000 yuan to buy a 60-square-meter house."

At this point, Xu Chunying covered her chest in panic and said, "Oh my God, this is thirty-six thousand yuan. I don't know when I can pay it back!"

Zhang Xiuhua nodded. At that time, the real estate market was not hot. Many real estate projects offered zero down payment, let alone 30% down payment. But she didn't expect her sister-in-law to buy such a small house. It was only 60 square meters, which was definitely not enough for her.

Xu Chunying was afraid that she would think that her family could not pay it back, so she added, "When the chicken farm distributes the money next year, we should be able to get 3,000 to 4,000 yuan. The remaining 1,000 yuan should be enough for us to grow vegetables."

Zhang Xiuhua was not in a hurry, but she took the initiative to explain, which also showed that she was keeping her promise. She nodded, indicating that she understood, and then asked again, "How much is the monthly mortgage?"

Hearing her ask this, Xu Chunying's face turned even paler, and she almost trembled as she spoke, "262 yuan a month. His current monthly salary is only 1 yuan. He also needs food and drink, so we have to subsidize him more than 5 yuan a month."

Before Zhang Xiuhua could speak, Aunt Wang, who was walking over, heard the conversation and took a deep breath, "What kind of mortgage? So expensive?"

"He borrowed 7.92 yuan. He has to pay back the money every month. The mortgage interest rate is very expensive, %." Xu Chunying sighed, "The extra money will be used as rent. If he buys a house sooner, it will be easier for him to find a partner."

Aunt Wang smacked her lips. "Is housing in Pengcheng so expensive? The house we bought for Tiegang only cost over 4,000 yuan."

Xu Chunying sighed, "Housing prices are of course different in different places. I can't help it."

She went home to rest first.

Aunt Wang looked at her from behind and whispered to Zhang Xiuhua, "It seems that your sister-in-law's vegetable wholesale company is making a lot of money. She even dares to give her son more than 100 yuan every month."

Zhang Xiuhua also thought of this, but she was not jealous. "She has three children. She needs to buy a house and prepare dowries for the children. She needs money everywhere. She has to work hard."

Aunt Wang nodded. "But she is quite courageous! She actually dared to borrow more than 30,000 yuan. She is really brave."

Zhang Xiuhua didn't say it was her fault, she just said, "Hongwu is not young anymore. If he doesn't get married, he won't be able to find a good partner in the future."

She was already a few years behind others in college, and Hongwu was from another place, so she had no advantage in finding a partner in the south. If she didn't have a house, she wouldn't know when she would get married. Let the children go home to see her? Xu Chunying was afraid that the children would be separated from her and miss the chance to have grandchildren.

"She bought it reluctantly. Look how worried she is." Zhang Xiuhua also sympathized with her sister-in-law. After so many years of hardship, she still had to work hard for her children for the rest of her life. She had no time for herself.