Starting to go to the sea: I really didn’t want to be a sea king

"Mr. Chu, the unit price of your house is 9800. According to Mr. Lin's instructions, the price after 20% discount is 7840. The registered area of ​​the house is 128 square meters, and the total price is 1003520. This is the reservation form. Please take a look."

In the VIP reception room of Sunshine Manhattan Sales Department, the sales manager with thin black stockings on her legs and a one-step skirt sat in front of Chu Yang.

She bent her body, leaned forward slightly, and handed over a list with trembling white hair.

Chu Yang took it without looking away, took a look, confirmed that there was no problem, and nodded.

"Okay, then I will immediately arrange for the finance department to print the house pre-sale contract for you..."

Sign the contract, pay the down payment, and inspect the parking space, all in one go.

The next step is to take the pre-sale contract to the bank to apply for a loan.

This step requires Chu Yang to go to the bank in person, so he has to go there again.

"Mr. Chu, take care, Miss Cai, take care, little friend, take care!"

After sending Chu Yang to the door, the sales manager stood beside the Ford Raptor, bent over and watched the few people get in the car and leave.

After driving a distance, he couldn't help but sigh.

"Why, you didn't get enough of what you just saw, and you want to watch it for a while?" Cai You asked with narrowed eyes.

Chu Yang laughed and pinched Cai You's beautiful nose.

Women are like this. Even if they are excellent, they will subconsciously raise their guard against the "fox spirit" who suddenly appears next to their men, just like a little hedgehog with thorns.

"Don't worry, she is no match for you. If I want to watch, I will watch you."

"Virtue."

Cai You blushed and glared at him.

The sister-in-law is still there!

"What happened?"

Chu Xi bit the potato chips with a crunchy sound, looking confused.

Chu Yang was just sighing that his girlfriend was too awesome and didn't give him any chance to improve himself.

Just like this time, when he bought a house, he wanted to practice his bargaining skills, but in the end he had to use Cai You's connections.

He made a phone call to the real estate manager.

Now, he didn't have to bargain anymore. The manager served him personally and he got it at 20% off, which was less than 8,000 yuan. The price per square meter was dozens of yuan lower than the opening price, and the parking space was free.

He paid a down payment of 500,000 yuan and got another 500,000 yuan from the bank.

Chu Yang spent all the money he had worked so hard to earn, which made him feel very painful.

Back at the Agricultural Bank, Hou Dezhu saw Chu Yang reappearing at the door and greeted him with a smile as usual.

"Mr. Chu, are you here to deposit money again?"

For such a high-quality depositor, Manager Hou wished he would come eight hundred times a day.

But this time he was too happy too early.

"No, I want to transfer money."

The payment for the three yellow croakers in the morning was 247,500 in total. Cai You had already counted out 30,000 in cash and paid Uncle Jun. There was originally 217,500 left.

But the 500,000 just now was paid by Miss Cai with a card, so Chu Yang had to transfer 282,500 to her.

When Hou Dezhu heard that Chu Yang was going to transfer such a large sum of money, the smile on his face froze.

"Mr. Chu, can I ask you one more question, did you make a large purchase?"

Chu Yang nodded, and without teasing him, he took out the house pre-sale contract to show him.

"I just went to book a suite. After the transfer, I have to ask you to help me apply for a mortgage. Can you do it?"

Seeing that the reason was this, Hou Dezhu's face bloomed with a smile again.

"No problem, it can be done."

For a high-quality customer like Chu Yang, he only worried about not finding a reason to let him take a loan. He didn't expect that the other party would take the initiative to come to him. How could Hou Dezhu not be happy?

The sales department is Cai You's relationship, and the Agricultural Bank is his own network, so Chu Yang feels at ease using it.

With the active cooperation of Manager Hou, Chu Yang stayed in the bank for half an hour.

Eating fruit and sipping fragrant tea, and finally signing a few words, the loan was smoothly processed.

Hou Dezhu also applied for a low interest rate of 6.2% for Chu Yang...

Yes, it's really low.

Many people think that around 2019, the domestic mortgage interest rate is the highest, but it is not.

Since 2004, China's real estate has developed rapidly. In order to support real estate and promote consumption, the People's Bank of China has set a benchmark interest rate of 4.86%, which is considered to be relatively low.

However, the real estate market continued to be hot, and the benchmark interest rate was adjusted again and again. By 2007, the benchmark interest rate had reached 6.12%.

It was not until the global financial crisis next year that the country lowered the benchmark interest rate in order to stimulate the real estate market and stabilize the economy, but it soonIt will go up.

Although Chu Yang remembered this general change in financial policies, this house was a "must-have" for Chu Xi to go to school, and he didn't want to be a gigolo, so he had to buy it.

"It's done, Mr. Chu. After the review is passed, it is expected that the loan will be released within 1 week. I will notify you then."

At this time, the bank's review was not as strict as in later times. Basically, as long as there was nothing wrong with the company, it would be approved. The review was just a formality.

A few years ago, Postal Savings Bank even launched a five-household joint guarantee loan business, that is, five farmers or merchants signed a contract together and guaranteed each other. Without any collateral, they could get a loan from the bank.

"Okay."

Chu Yang put away the document bag containing the loan contract and put it together with the house pre-sale contract.

When he walked out of the bank again, it was already past 12 o'clock.

Hou Dezhu wanted to invite Chu Yang to dinner, but he refused.

Just kidding, with a beautiful woman in his arms, who would be willing to have dinner with a greasy middle-aged man like you?

"Where are we going next?"

Cai You sat in the passenger seat, supported her chin with one hand, and came over to ask.

Chu Yang glanced and saw the car's seat belt passing between her two snow-capped peaks. The tight dress instantly stretched out a round and full arc on her chest, with an amazing altitude.

Suddenly, a great force surged from her lower abdomen.

"How about finding a hotel to take a nap?" Chu Yang suggested.

"No way."

Aware of the man's burning eyes, Cai You knew what he was thinking, and rolled her eyes at her.

"Then what do you say we're going to do?"

She touched her stomach, "I'm hungry, let's go eat first. There's a food street next to Xinhuadu, I haven't been there for a long time."

"Okay, okay!"

When Chu Xi, who was sitting in the back seat, heard that they were going to eat delicious food, he nodded quickly.

Chu Yang shrugged. The big and the small had both spoken, what else could he say?

They could only turn around and head towards the food street.

When they arrived near Xinhuadu, Chu Yang found a parking space, parked the car and locked it, then took Chu Xi's left hand and Cai You's right hand and walked into the food street.

In fact, food streets all over the country are similar, with grilled sausages, cotton candy, fried skewers, stinky tofu, spicy hot pot, candied haws...

Chu Yang had no interest in these, but Cai You and Chu Xi liked them. Except for the stinky tofu whose taste was a bit unacceptable, the two of them ordered almost everything they saw.

And the two of them ordered a lot, and their appetites were not big, so they took a bite of each snack and stuffed it into Chu Yang's mouth.

So after walking around, the two of them didn't feel anything, but Chu Yang almost burst.

"I really can't eat anymore. You've made my stomach bloated. You have to take responsibility."

After rejecting another string of fried cicada monkeys handed over by Cai You, Chu Yang happened to see a small stool in front of the "Huaqiang Watermelon Stall" next to him, and sat on it and refused to move.