When it comes to export housing, Han Yu roughly understands what's going on.

Because export housing is the most high-end residential area in the East China Sea, most of it is built by developers from Hong Kong and Singapore.

They are all high-rise buildings equipped with elevators. They are beautifully decorated inside and many materials are imported. After they are built, they are sold to foreigners and overseas Chinese.

You can’t buy it in RMB, so you have to use U.S. dollars to buy a house.

The names of the apartments are also more exotic than the last, such as Gem Apartment, Diamond Apartment, Golden Lion, Golden Horse, Golden Dragon, Golden Elephant Apartment, Roman Garden, Lyon Garden, Athens Garden, etc.

It was very expensive at first, but at its peak it sold for more than 1,300 US dollars per square meter!

There used to be an employee of the Shipping Bureau. His grandfather was an overseas Chinese and he came back to buy a house for his family. It was said that the community was full of foreigners and there was an outdoor swimming pool.

Most of those export houses are concentrated in Gubei, so there is a popular saying in Donghai: If you want to travel abroad, it is better to visit Gubei first.

In short, export houses are not houses that ordinary people can view.

Han Yu looked at the confused look on his senior sister's face, held the phone tightly and smiled bitterly: "Uncle Xiao, switching from export to domestic sales, no matter how cheap it is, it won't be much cheaper. How can I afford it? Do you think I dare to go see it?"

"

"But now you want to apply for a household registration, at least two. It will cost so much money anyway, why can't you go and have a look."

"What's the name of that apartment and how much does it cost per square meter?"

"It's called Zhujiang Rose Garden. I have a colleague whose lover works in that real estate company. She said that it's now 50% off and can be bought for more than 5,000."

"More than five thousand per square meter!"

"You come and take a look tomorrow. You don't have to spend money to take a look. Besides, your goal is to get a registered permanent residence. You won't be able to get it if you don't spend enough money. Why don't you look at a few more sets for the same money?"

"Okay, I'll go take a look tomorrow and there's no need to eat."

"We'll talk about it when you come tomorrow."

…

Early the next morning, they continued to trouble Huang Jiangsheng and his wife.

Driving to Zhujiang Rose Garden, Section Chief Xiao and his colleague's lover were waiting at the gate.

After exchanging pleasantries, we came in to visit.

I feel nothing if I don't come in. After I came in, I found that the houses I looked at before couldn't compare with this place in terms of environment and location.

A high-rise building with more than 20 floors, not far from Huangpu River.

The layout of the apartment is very good. You can see the Huangpu River and even the Ferry at Gongping Road when you open the north-facing windows.

"Director Xiang, how is this house?" Section Chief Xiao asked with a smile.

Xiang Fan had never been in such a high-end house before and murmured: "It's very good. It's not very good, but it's really good!"

Section Chief Xiao turned around and asked with a smile: "Ning Ning, Xiao Han, Xiao Zhang, do you like it?"

"Who wouldn't like such a beautiful house? The key is that it's too expensive and we can't afford it."

"Yeah, how much does it cost to buy such a house!"

"Xiao Wu, please introduce me."

"OK."

The wife of Section Chief Xiao’s colleague smiled slightly, hugged the brochure and said happily: "It is not cost-effective for others to buy it, but it is the most cost-effective for you. Although our house is more expensive than Donggou Qicun, it is an export house. This

The high-rise, location, location and building quality make it worth every penny!”

Han Xiangning asked curiously: "Sister Wu, how can we get a good deal?"

"Because you can't live there."

“It’s a good deal if you don’t live there, I don’t quite understand.”

"You can rent it out if you don't want to live in it. The monthly rent for a house like ours is no less than 1,500 yuan. Many bosses come to rent houses from us to start companies, and there are also foreigners who work in Lujiazui."

Seeing everyone's doubts, the lover of Section Chief Xiao's colleague smiled and explained: "Our company is from Nanhai. The real estate in Nanhai was very popular in the past few years, and then collapsed. Our company suffered a lot. If it hadn't been urgent,

As long as the funds are withdrawn, our company will not sell export properties as domestic properties."

Han Xiangning loved this house so much that she turned around and said, "San'er, I like it here!"

Isn’t this nonsense? Who wouldn’t like such a nice house? The key is money.

Han Yuzheng didn't know what to say, and his mother-in-law suddenly asked: "Manager Wu, how big is this house?"

"One hundred and thirty-two square meters."

"Let me ask your leader, how much discount can I get per square meter?"

"This is the 21st floor. The discounts for the top floor are bigger. I suggest you consider the top floor. If you are interested, I will help you find the leader. You should be able to buy it for 5,000 yuan per square meter."

"The cheapest price is 660,000?"

"We can coordinate mortgages across the country and help you apply for three household registrations."

"Manager Wu, I don't know much about mortgages. If we decide to buy it, how much do we have to pay first, how much do we need to borrow from the bank, and how much do we have to repay every month?"

"The down payment is 30%, which is about 200,000 yuan. The remaining 400,000 yuan will be paid back in 20 years. The monthly repayment is more than 2,000 yuan including interest."

Manager Wu paused, then added with a smile: "Our house can definitely be rented out, and the monthly rent will definitely not be less than 1,500. And we are fully decorated, so you can rent it out after you buy it, that is,

He said that you only have to pay back about one thousand a month from now on."

Han Xiangning couldn't help but hugged Han Yu's arm: "San'er!"

"What's wrong?"

"Let's just buy here."

You only have 60,000 yuan, and your parents have 70,000 yuan. This means that just for the down payment, you have to borrow another 70,000 yuan. In the future, you will not only have to repay a bank loan of more than 1,000 yuan every month, but also save money to repay the loan.

of seventy thousand.

Speaking of which, all members of the family of five, except for Xiao Hanhan, receive wages, but the combined monthly wages of the four adults are only more than 2,800 yuan. They suddenly have hundreds of thousands of dollars in debt, and how many years of work will it take to pay it back?

over.

What's more important is whether the house can be rented out after buying it.

Even if I can rent it out and use the rent to pay part of the loan, I feel aggrieved just thinking about it.

The whole family is working hard to make money to buy a house and repay the loan, but my own family has no chance to live in it, so they can only let others live in it. Doesn't this mean that the whole family is working for others?

Han Yuzheng didn't know what to say, so his mother-in-law said decisively: "Buy!"

"Mom, do you really want to buy it?"

"Why don't you buy such a good house, and you can apply for three household registrations? I'm not afraid of it, so what are you afraid of?"

It seems that my senior's craziness about buying a house is hereditary.

The more Han Yu thought about it, the more frightened he became. Just as he was confused, Han Ning raised his head and asked, "Manager Wu, did you just say you had something smaller?"

"Middle set, ninety-eight square meters."

“How much does the middle set cost per square meter?”

"The middle cover is not transparent from the north to the south, and the price is about the same as the top side cover."

"What's the specific number of layers?"

Manager Wu opened the folder and smiled: "They are all on the twenty-third, twenty-two, nineteenth, sixteenth and fifteenth floors."

Han Ning weighed it up and said resolutely: "I will buy one too. My family only needs to register two households and buy a house of 98 square meters!"

"If you want to buy it, buy it together. Manager Wu, please take us to see the middle set!" Zhang Lan was unwilling to be left behind. As for where the money for loan repayment would come from, we would go back to the topic.

Section Chief Xiao was shocked. He couldn't believe that "Gang Baining" was so rich. He was stunned for a moment.

Looking at the backs of his mother-in-law, senior sister, elder sister and sister Zhang Lan happily following Manager Wu to see the house, Han Yu covered his mouth and smiled bitterly: "Crazy, all crazy."

Section Chief Xiao regained his composure and said with a smile: "It's okay, just pay it back slowly."

"Even the down payment needs to be borrowed."

"Didn't your mother-in-law just say that she's not afraid? What do you have to be afraid of? Hahahaha!"

"Uncle Xiao, you can actually laugh."

"This house is really good. It used to be a house for export and was built according to the standards of a house for export. You don't have that much money for a down payment. If I had that much money, I would buy one too." Section Chief Xiao pulled him.

He walked to the window and looked at the other side. After thinking about it, he smiled and said: "Xianyu, come here, you can see the Changxiu No. and my office from here!"

"You need to look twice. If you buy it, it will be lived in by others. If you don't look at it, you will have no chance."

"What do you mean?"

"The whole family has pooled their money to buy a house, but I haven't had a chance to live in it yet. What do you think this is?"

"When the loan is paid off, this house will be yours, and you can live in it then."

"How many years will it take to wait?"

"You should think about it the other way around. If you are asked to live here now, can you really live here? Besides, what I bought is not only a house, but also the household registration for your family of three."
To be continued...