Fangro

The wind was a bit strong this morning, and the wind could be heard whirring with the doors and windows closed.

At the end of the year, housing prices were high and there were few houses available. The apartment that Qin Ruxu rented was put up and no one was around to see it.

Yang Zhen finished packing and came back to tie his tie. Seeing that he was still in the same posture as when he got up, with only one head outside the quilt, he smiled and said, "I'm leaving. When you get up for breakfast, go down and eat hot food by yourself. I don't care about you." gone."

Quan Wei agreed, and said as if remembering something: "When you come back at night, bring me an exclusive agreement."

The words were random, and Yang Zhen suddenly didn't understand his intention: "What's the use of bringing that?"

"I want to sign," Quan Wei yawned, "The apartment rented by Qin Ruxu has been listed for so long and no one has come to see it. I don't feel very good. After signing, add some recommendations."

Yang Zhen couldn't help laughing. Half a month ago, the house price was soaring by tens of thousands every day. He was reluctant to sell it. Now that no one cares about him, he can't sit still. In the end, it's all caused by money, but Yang Zhen himself is not the same.

In his previous life, he was in the Central Plains, and a batch of smuggled salt was detained at the Maze Ferry. He walked the waterway for 4 days to deal with it, and he did not fall asleep a night before the matter was resolved.

A lot of money gained or lost does have a fascinating charm. It is normal for Quan to be a little restless if he can’t sell it. His house actually gets a lot of attention, but no one calls to see it. Also appeared on the rental market.

Yesterday, a colleague came back and said that in the most sought-after office worker-intensive area, this month’s rental bills are also unprecedentedly dismal, and everyone is wondering where all the tenants have gone.

Another colleague joked that those tenants might have joined the transaction peak half a month ago, and had successfully upgraded from drifters to house slaves, and then this assumption unsurprisingly received a burst of boos.

However, whether Quanwei wants to reduce the price or no one rents the house, it does not representatively illustrate a problem, that is, there is a surplus of houses in the city, and everyone rushed to buy them before. The original intention of worrying about not being able to buy a house or having no place to live is extra.

But the transactions of buying and selling and leasing are cold, and it is impossible for housing prices to continue to rise. In fact, if they really fall or stabilize, then perhaps it will be sustainable.

Take the most typical case. In the third quarter of this year, the country claimed to build a national sub-center to relieve the pressure on the capital. Therefore, the selected small city, without any publicity in advance, had a price increase within three days. It has increased by 3 times, and the rent has increased by 7%. It has completed the Great Leap Forward that other cities have failed to achieve in more than ten or even decades.

As a result, self-construction, illegal construction, and random construction bloomed everywhere for a while, and various market operations were blatantly illegal and illegal, which led the government to forcefully stop the transaction and stipulated that houses should only be rented and not sold.

Before the volcanic eruption of house prices in this small city, no one or any organization expected such a result, so the hot or cold property market is a metaphysical problem that is difficult to predict.

Yang Zhen has to repay the loan now, so he can't help Quan Wei, so he is happy to see Quan Wei actively buying a house.

After Yang Zhen agreed to go out, Quan Wei squinted for a while, couldn't help but take out his mobile phone to look at the number of collections on the intermediary app, and then calculated with a calculator. Taking an average of 1 year as a low period of the property market, How much money does he need to set aside to pay off the monthly payment?

Then the figures obtained told him that the apartment Qin Ruxu lived in had to be sold to be able to afford it. Quan Wei threw the phone aside, turned over and began to think, should he lower the price?

Different from his plan for a rainy day, Zheng Fei and his "No House Sweeping" group in the same industry are happily selling small things for big ones. What they think about is this group of young people who have just entered the property market. After five years, they will face the dilemma of changing the N+1 apartment type due to marriage and childbirth, so the two- and three-bedroom market will continue to write a rising legend.

And big speculators with more strength and connections, such as Zhou Aiguo, frequently attend dinners, drinking tea and chatting with his developers, bank executives, and even official friends, so as to grasp the policy direction first-hand.

Then what he did after the chat was to instigate Zhou Chi to run all over the city with small-sized hotel-style apartments. This type of house has no restrictions on purchase or loan, and the service life ranges from 40 to 50 years. If the rent-to-sale ratio is multiplied by If the number of years is close to 1, then it is a good choice to buy and invest.

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After Yang Zhen came to the company, the first message he received was from Wang Xingren.

Wang Xingren: Yang Shen, I asked my brother about the house, and he said yes, but there is a condition, I really can't say it, the eyes with ghosts.jpg

Yang Zhen thought that like birds of a feather flock together, this girl is as hot as Xiao Huang, but this so-called "unspeakable condition" has to be asked before she is willing to reveal it, so Yang Zhen held the venue and typed: Many landlords will make their own requirements, it's okay , you say, no matter how much we are still friends.

Wang Xingren: Hahaha I didn’t laugh. jpg, I won’t repeat the things about taking good care of indoor facilities and keeping them clean. My brother said, if he is on a business trip, your little brother who wants to rent a house...you have to help him for a few days dog orz

This requirement seems to be stricter than the lady who opened the door for her old man last time. Although Yang Zhen has never raised it, she has seen many pet dogs dressed up like children on the road. not that simple.

He couldn't make a decision for Zhong Haihan, so he had to say to Wang Xingren: I'll ask him, can I talk to you again?

Wang Xingren felt that his brother was simply making things difficult for others. When she was styling Yang Zhen’s hair at the exhibition yesterday, in order to introduce the tenant’s situation to her elder brother more comprehensively, she asked Yang Zhen to save it from Zhong Haihan’s circle of friends. Give her some pictures of dogs.

There are many vacant houses under her elder brother's name, but there is no shortage of money. At first, I thought she was messing around, but after Wang Xingren sent the pet photo, he suddenly let go.

Wang Xingren’s eldest brother has 4 dogs. Usually when he is not at home, the dogs are handed over to the nanny, but the nanny is a little afraid of dogs and can’t get along with dogs, so they send them to the pet store. , Every time I sweat him out, I will strangle the dog's throat from time to time.

As for his younger sister, he is even more unreliable. He thinks that 4 out of 3 of his dogs are too ugly.

The eldest brother of the Wang family saw that Zhong Haihan's two dogs were well-groomed, so he came up with the idea temporarily. If the tenant agrees, then his dogs should be well taken care of when he is away. Well, save his sister from reading it every day and calling him stingy.

Wang Xingxin thought that if she was a tenant, she would not rent, but neither she nor Yang Zhen thought that these two people are really bastards looking at mung beans, one is willing to fight and the other is willing to suffer.

When he received the news from Yang Zhen, it was less than 11 o'clock in the night at Zhong Haihan's place, he was still awake, and he became more excited when he heard it.

Zhong Haihan: Let me help raise a dog, what kind of dog?I can't keep a giant dog like a Tibetan mastiff.

Yang Zhen acted as a microphone between him and Wang Xingren, and quickly forwarded a family photo of Wang Xingren's big brother's dog to him. Zhong Haihan compromised at the first click, because among the group of dogs was a majestic Du Bin.

He has always wanted to raise this kind of dog with both wisdom and nobility. It runs like a gust of wind, but because of its high attack power and uncontrollable risks, he has not yet started to make money by himself, so he is very sad that he cannot afford it.

Now there is an opportunity to get close to him, dog slave Zhong Haihan didn't even want to look at the house, he agreed as if he found a bargain.

Later, after Zhong Haihan returned to China, because the temporary pet sitter was excellent, the landlord not only refunded the rent to him, but also included the rations for his two dogs.Later, when Zhong Haihan graduated and returned to China, he felt that this apartment was comfortable to live in. He went back to find Yang Zhen and bought one in Daguanyuan.

For the time being, the rent bill seemed to be resolved, but Ms. Yang's house did not go so smoothly.

Before leaving get off work, Yang Zhen made another appointment for the landlord. The couple still said that they were not available. Yang Zhen had listened to the busy refusal several times, which made people feel that he was insincere. After repeated inquiries, Yang Zhen learned of the buyer's funds. Something went wrong.

"Xiao Yang, we really didn't do it on purpose. In August, a brother of mine asked me to take 8 yuan for a loan. We have a very close relationship. Both my wife and I trust him. I didn't ask about the interest. He must repay the loan according to the market. Add it to me, there is no doubt about it.”

"Before I gave it to him, I said that I might buy a house at the end of the year. He said that he could give it to me in December, and it would be safe to keep it. But the bad thing is that there is a policy to rectify credit loans. He showed me their internal data. , the bad debt rate is more than 12%, and they are all borrowed out by a few thousand or a few thousand. It is unrealistic to hire people to go around to ask for it. They don't have much money now, but they still have 7, because their company's funds have been rectified It was temporarily sealed up, and it will be returned to me as soon as it is thawed."

"Xiao Yang, can you say something nice to my sister and ask her to give us some time?"

Yang Zhen simply didn't know whether to praise him for his righteousness or say he was confused: "The landlord wants money for medical treatment, and he said it was urgent before signing the contract. No matter how good I say, others will wait to use the money. Push, let me try, and you can think of a way here, if it doesn’t work, consider a third-party advance, okay?”

The buyer is full of sincerity, but he hesitated for so long because he didn't want to advance the money. The house was not cheap. After waiting for a while, he went back to check the market and found that the house price seemed to be showing signs of cooling down. Wait a minute No harm to them.As for the landlord's family situation, apart from occasional guilt, they have no more pressure.

"Okay, thank you, Xiao Yang."

Yang Zhen sent a WeChat message to Ms. Yang, explaining the ins and outs to her. Unfortunately, Ms. Yang was in a bad mood. After hearing the news, even Yang Zhen was blamed. She accused: "Buyers who don't have enough money, why do you find me?" ? Your intermediary can’t even handle this well, so how can I trust you to handle other things well?”

Whether the buyer's funds are in place has always been a difficult problem. They have no right to verify the property of individual citizens. Apart from oral inquiries based on the trust between people, the intermediary can't go any further. Yang Zhen can't do it There are too many rebuttals, so I have to bear the anger for the pair of unreliable buyers.

"Sorry, I didn't expect this kind of development. When is it convenient for you, can I ask the buyer and his wife to talk to you near the hospital?"

Ms. Yang hung up the phone impatiently, and Yang Zhen received her reply on WeChat after a while.

At this time, the buyer of Yang Zhen still believed that his brother would return the money to him soon, but in a place out of their sight, the small loan incident continued to worsen like a snowball, and the lending platform that could not collect the money refused to Sit back and wait for death, and started to embark on non-violent debt collection countermeasures that were only slightly disguised by the previous methods.

Telephone collection is still the starting method, but instead of following the previous bombing mode, the borrower will remain unmoved within four or five days, and those with a small amount will be directly listed on the credit blacklist, so that this person who is addicted to borrowing money will slowly Losing this source of income they have come to depend on, but which is not part of their income.

If the amount is large, find someone to follow him 24 hours a day, and greet his relatives and friends one by one, so that he can't go anywhere until he pays back the money.

What's more, if you owe a credit card, you still pretend to be deaf and dumb after several reminders, and if you have enough money, the police will directly arrest you for fraud.

Therefore, the old lai who formed cliques and said that they would refuse to repay their debts have almost lost their news these days. Falling, or jumping off a building, or looking for a luxury car to touch porcelain, or drinking sleeping pills.

There are frequent accidents due to natural and man-made disasters all over the country. Some of these tragedies caused by loans have been reported, and some have not been reported, but the number and provinces involved are enough to attract attention.

For this reason, the local social channel planned a column called "Credit Loan You Don't Know" to warn the general public to stay away from small loans. In the program, three victims were invited to tell their stories, and two of them wore masks. , and a young man with high paraplegia who didn't use a pseudonym, smiled at the camera and greeted everyone.

"Hi everyone, I'm Wang Xiaochuan."