Siheyuan: If you ruin the reputation of the whole courtyard, I will move out

This shocked Julie. How could she afford to pay back more than one million?

Now, she understands that the house she lives in and the car Su Mingcheng drives are actually the pension provided by Zhang Yu to his parents.

Over the years, Su Mingcheng had been secretly living off his parents to the point of madness, and she had never noticed.

Facing the angry Zhu Li, she asked, "Su Mingcheng, what's wrong with you? Why did you take so much money from our family without telling me?"

Although Su Mingcheng lacked confidence, he still insisted: "That was all given to me by my mother. When she gave me the money, she didn't ask me to pay it back."

In anger, Julie threw him the list of debts. "You even borrowed the down payment from your eldest brother, how come you didn't mention it at all?"

For the down payment on the house, Su Mingcheng agreed to lend money to Zhang Yu and wrote a promissory note, but as time passed, he never returned it, and this IOU cannot be used to shirk his responsibility.

Originally in the drama, when Su Mingcheng legally married and bought a house, Zhao Meilan sold her old house to raise funds. But because Zhang Yu regularly transferred money home, she did not need to sell the house. But all the money from the old man fell on Zhang Yu.

"Brother doesn't want the down payment. You can pay it back later." Su Mingcheng said weakly.

Su Mingyu responded with a sneer: "Su Mingcheng, you are spending the money that your elder brother gave to your parents for their retirement, and now your elder brother is still responsible for supporting your father. Do you think this is appropriate?"

Su Mingcheng said confidently: "What's wrong with my elder brother taking care of my father in his old age? He is not my son!"

"Brother has done nothing wrong to this family and has made the greatest sacrifices. But what about you?" Su Mingyu said in a cold tone.

At this moment, Zhu Li felt that Su Mingyu's words were like a slap in the face.

"Mingyu, you can rest assured that we will return the money to Big Brother."

Zhang Yu was somewhat surprised when he learned that Su Mingyu was fighting for him against Su Mingcheng and his wife and demanding the return of the more than one million yuan.

Not only did Su Mingyu personally inform Zhang Yu of the situation, but Zhu Li also called to apologize and promised to repay the money in installments. She even insisted that Su Mingcheng write another IOU and send the photos to Zhang Yu.

Zhang Yu had no choice but to ask them to pay back when they were able to.

To be honest, although he thought Su Mingcheng might not have really realized his mistakes, his wife was quite kind. Zhu Li was indeed a little willful, but her values ​​were upright, and she was sincere to her man, willing to share a debt of more than one million yuan, a quality not every woman possessed.

The total income of the two barely adds up to less than 100,000 yuan a year, and with the mortgage and car loan, the money they save is very little every year. To repay this debt of millions, it is almost impossible without ten to twenty years of hard work.

After Zhu Li brought Su Mingcheng and Su Daqiang back home, she immediately did some calculations: with their current savings and surplus income, it would take at least thirteen years to repay all the debts - and this excludes daily living expenses.

When Su Mingcheng heard the result, he held up the bill and said accusingly, "Lili, you shouldn't have promised to help pay the money back. After all, our mother didn't ask us to do so at the time."

Zhu Li was furious when she heard this: "Su Mingcheng, you have to have some bottom line, okay? That one million yuan was originally your brother's retirement money for your parents, and you spent it. How can Dad support himself now?"

Although Su Mingcheng insisted, "Brother said he would take care of Dad's retirement, and we still have our hometown to rely on, so Dad's retirement should be worry-free." Zhu Li said angrily, "But now you have used up all the retirement money and you are still shameless, and you want to leave the pressure to your eldest brother. How can you be so shameless? You are Dad's child."

Hearing this, Su Mingcheng felt extremely ashamed and hesitated, "Tell me what to do next? I only earn over 7,000 yuan a month. When can I pay back over 1 million yuan?"

Zhu Li pondered for a moment and sighed: "After calculation, most of the debt is concentrated on real estate and vehicles. The asking price of this house was about one million yuan. My brother paid a down payment of 400,000 yuan, and the remaining 600,000 yuan was loaned out. We haven't paid off a lot of it over the years, and the house has increased several times in value over the past decade. If we sell the house, maybe we can solve some of the problems."

Su Mingcheng became worried: "But where can we rent if we sell the house? The house prices have increased by more than half, and they have also increased in other places. After the debt is paid off, the remaining money can't even afford a house in a better location."

Zhu Li patiently explained: "We can get another loan to buy a smaller, second-hand and older one. If we work harder, we can definitely get a bigger one in the long run."

Their wedding house is about 100 square meters, and the community they live in is trendy and livable. The estimated price can still bring a good return. The housing prices in downtown Sucheng are relatively moderate, and the couple can theoretically buy another one. But the environment is naturally not as good as it is now.

After much trouble, they finally persuaded Su Mingcheng to sell the property. When they went to the bank, they found that they had paid off the interest over the years, with only tens of thousands of yuan in principal. They still had to pay the remaining hundreds of thousands of yuan to the bank. What was even more depressing was that they asked a real estate agent to evaluate their house, but they found that it was almost a luxury to sell it for a good price because the house was not ideal, too large and had few bedrooms.

The popular small three-bedroom houses on the market now have a better value for money. In addition, they are not in the school district, so the prices of similar houses in the surrounding area are usually slightly lower. According to the real estate agency's estimate, their house is worth at most 2 to 3 million yuan, which is far less than the couple's estimated value.

After deducting all the debts and bank interest, they only had 500,000 or 600,000 yuan left for their own use. It seemed like a lot, but buying even a small house in Suzhou would cost at least a million yuan, and the down payment was out of reach. The couple really couldn't afford the monthly repayment amount.

Zhu Li and Su Mingcheng returned home in frustration, and they didn't even have the energy to argue.

"No, we can't sell the house. Selling it will increase more debt, and the interest on the loan is also very high. He doesn't even want the interest if we pay off the debt for my eldest brother." Su Mingcheng proposed.

Seeing that Su Mingcheng seemed relieved, Zhu Li became even more annoyed.

"Su Mingcheng, you wish the house couldn't be sold, right?"

However, he responded: "I don't think that way. I just think whether I made the wrong decision to buy a house."

Julie sighed: "Then sell the car."

Su Mingcheng became anxious after hearing this: "How can we go to work without a car?"

"You can take the subway or bus! I didn't want to buy that luxury car in the first place." Julie said angrily. Their car is a Grand Cherokee Wrangler, which is worth nearly six million.

Of the total one million, 300,000 came from Zhao Meilan, 100,000 was sponsored by Zhu Li's parents, and the family had only 50,000 in savings, and the remaining 200,000 was a car loan. Not long after the car was purchased, Su Mingcheng cherished it very much, and he was less willing to sell the car than to sell the house.

But Zhu Li was determined and drove to a used car dealership for an appraisal that afternoon. The cruel reality hit her again. The price they got for the used license plate was far lower than the price Su Mingcheng had expected.

"You lost two hundred thousand in just one year?" Su Mingcheng shouted in disbelief.

The used car dealer responded, "Brother, the price is not just about age. Although you've only driven it for a year, your car model is not common and buyers are scarce. Even if I put your Jeep here, it may not be sold for a long time."

“How can it depreciate so much in one year! This is enough to buy another car!” Su Mingcheng was unwilling to accept it.

"Vehicles are essentially consumables. Their value decreases from the moment they leave the store, and your car is a niche model, so it depreciates even faster. Whether it's a Mercedes or a BMW, they are treated the same here," the used car dealer explained with a smile.

"If you still don't believe it, you can go to other car dealerships and ask." After saying this, Zhu Li's heart was filled with despair. The car that was originally worth $600,000 could only be sold for $400,000. She still had $200,000 left on the car loan, plus the money she had to pay back to her parents, she only had more than $100,000 left. She couldn't even solve Zhang Yu's problem.

Back home, Su Mingcheng and Zhu Li sat on the sofa, exhausted by the reality. At this time, Su Daqiang came over and asked, "Mingcheng, I'm hungry, do you have anything to eat?"

"Dad, I'll go make porridge for you." Julie stood up immediately.

"We always eat porridge, let's change it up." Su Daqiang looked worried.

Su Mingcheng went on to explain: "Dad, the doctor said that your stomach is not in good condition, so you need to eat light food."

Su Daqiang had been drinking porridge every day recently, and his desire for meat was getting stronger and stronger. However, Zhu Mingcheng strictly restricted his greasy food and even his permission to go downstairs was strictly controlled.

At night, Su Daqiang urged Zhang Yu to take him to the . However, Zhang Yu was too busy to take over immediately. Zhang Yu needed to resign, find an agent to list the house for sale, and arrange to move. Most importantly, he was still trying to sell the house to raise funds.

The principal tried hard to retain Zhang Yu's resignation application at the school, and the contract clause became an obstacle. In the end, Zhang Yu had to pay a partial compensation to leave. America respects the spirit of the contract, and his unilateral breach of contract will result in economic losses.

On the other hand, Wu Fei also faced a lot of challenges at work. Her transfer took a long time. In addition to handing over the work at hand, she also had to attend various meetings frequently. The responsibility of picking up Xiao Mi was mainly taken by Zhang Yu. The process of selling a house is not a quick thing. It is almost impossible to solve the house problem within a month.

So Zhang Yu approached Susan and asked for her help, and gave all the electrical appliances and furniture in his home to Susan to express his gratitude. These things could not be sold for much money and were troublesome, so giving them to others could also help to build closer relationships.

In China, Wu's father called recently and revealed that he had seen some top residential areas, where the unit price was over 100,000 per square meter, which was undoubtedly the residence of the rich. However, the purchase of a house requires capital verification, and a deposit of less than 10 million yuan is not even possible to visit the model house. Therefore, Zhang Yu immediately remitted 10 million US dollars.

Now, with a large sum of cash and vouchers, Wu's father and his wife went around the Magic City to look at luxury cars and were exhausted. Not long after, Wu's father sent an email to share the details of their luxury house search, leaving it to him and Wu Fei to choose.

Finally, Zhang Yu and Wu Fei chose a residential area. The following steps became more and more complicated, but at least they found their target.

The flight landed safely at Shanghai International Airport. Zhang Yu held Wu Fei and the children in his arms. As soon as he stepped out of the terminal, he saw Wu's father and mother waving at him.

"Dad, Mom!" Wu Fei ran over excitedly and gave his parents a warm hug.

After holding Wu Fei, Mr. and Mrs. Wu immediately separated and focused their eyes on the little baby Xiaomi in their arms.

Zhang Yu held his daughter's hand, walked towards the elders, and told Xiao Mi: "Call grandpa and grandma, Xiao Mi."

The little girl hugged her toy rabbit tightly, called out "Grandpa and Grandma" timidly, and then hid behind Zhang Yu.

When Aunt Wu saw her granddaughter, she couldn't contain her joy and took out a small gift box from her bag to show it to Xiao Mi: "Look, what surprise grandma brought you, Xiao Mi."

Xiao Mi poked out his curious little head, and when he saw the box, his eyes immediately flashed with desire, but he was too scared to go forward to take it.

"Don't be afraid, Xiao Mi. Grandpa and grandma love you very much." Zhang Yu said softly to ease her tension.

With Zhang Yu's comfort, Xiao Mi walked out of his shadow and carefully took the gift handed to her by her mother. Wu Ma's smile became brighter.

Wu Fei next to him said with a bit of bitterness: "Mom, didn't you forget about your biological daughter once you had a granddaughter?!"

Aunt Wu smiled and joked, "I haven't seen your niece for several years. How can I forget her so easily?"

When Wu Fei gave birth to a daughter, Zhang Yu took on the task of hiring a nanny to take care of the child. He did not ask Wu's mother to take sick leave as in the TV drama, so she did not lose most of her pension and was able to take care of the little one.

Later, the couple came back to visit their granddaughter and then returned to China. For the rest of the time, they had to rely on video chats to comfort their longing.

"We will never leave this time. Even if things don't go well at work, I won't let you and grandpa go back." Wu Fei said with emotion, and said this while looking at the traces of time on his mother's face.

Wu Ma said helplessly: "I'm already in my early thirties, how can I not look old?"

Wu Fei was deeply apologetic: "I'm sorry, I should have come back earlier."

But Aunt Wu comforted her: "It's okay, career is more important. Your father and mother are in good health, you don't have to worry about it." Zhang Yu secretly sighed on the side, comparing the gap in understanding of their children between himself and Wu Fei's parents. His family and Su Daqiang and Zhao Meilan's family are really worlds apart. Su Daqiang is stubborn and favors boys over girls, and Zhao Meilan is overly worried.

"Okay, everyone, stop standing there talking like fools. Let's go home. There's a big table of delicious food waiting for you at home," Aunt Wu urged.

"Is it made specially for Xiao Mi?" Wu Fei asked with some sourness.

Wu Ma gently hit her daughter and said with a smile: "You are a mother now, why are you still jealous of your own daughter?"

Chatting and laughing, everyone arrived at the parking lot. Zhang Yu and Mr. Wu took a lot of effort to load the luggage into the trunk of the car.

"Dad, this car has been around for more than ten years, have you considered changing it?" Zhang Yu observed Mr. Wu's beloved car, which had fallen into disrepair.

Father Wu said casually, "This car is quite durable. Why should we change it? Besides, your mother and I have a much lower income after retirement. It is not cost-effective to change the car."

After hearing this, Zhang Yu decided: "When we get home this time, should we buy Dad a new and bigger car?"

"Well, it's indeed a little small. It's a bit crowded when it's full of people." Wu Fei also sighed.

"I know you live a comfortable life, but you still have to live, right? Don't waste money and don't spend it recklessly if you don't need it." Aunt Wu reminded her daughter, holding her daughter's hand.

Wu Fei joked to dispel Wu Ma's worries: "Don't worry, the fare is nothing. I am a rich son-in-law."

As for the BitCoin, Zhang Yu did not hide it from Wu Fei. Wu Fei remained calm in the face of his sudden wealth and continued to live a seemingly ordinary but actually wealthy life. Their family's annual income is more than 2 million Chinese yuan, and they no longer need to rely on BitCoin to buy vehicles for daily consumption. Finally, Dad Wu drove the whole family to move their belongings to the house that Zhang Yu had prepared many years ago, and the new home was waiting to be officially settled.