Chapter 33 [Numerical Calculation]

What kind of experience is it to win a prize of more than one million yuan?

The answer: The money is too little, so I can take it easy for a while.

There was nothing special about transferring 1.36 million to the bank card. Lin Shu didn't receive a call from the bank manager saying that he would give him a gift, nor did he encounter any financial manager calling to ask Lin Shu to give him a gift. Book to buy financial products.

These are still far away from Lin Shu.

After receiving the award, Lin Shu's excited mood gradually calmed down.

After he really calmed down, Lin Shu suddenly discovered that the money really could only make him relax for a while, and it might allow him to buy a house with an inexpensive location in Star City, where housing prices are relatively friendly.

Thinking about it this way, if the calculation is based on 100 square meters, the core area is naturally unnecessary, so at least a budget of almost 1 million is required. This is not the core area, and if you buy another car, it will be considered as only a scooter. It also costs about 100,000. After buying a car, you will naturally have to buy a parking space. The budget for a parking space should probably not exceed 100,000?

By the way, if there is a rough house, then there will be a decoration fee, including home appliances and furniture, even if it is a simple decoration, it should cost 200,000 yuan.

100+10+10+20=?

囧~~(╯﹏╰)b

Why do I feel like I'm broke all of a sudden?

Originally planned to give parents a sum of money after winning the lottery?

Lin Shu suddenly felt that it was a pity. It was really a pity that he didn't win the first prize. He was only one number short. He didn't need to think about the difference of one number, and he could directly start buying, buying, and buying.

It would be nice if you bought a few times more bets.

Well, probably not much has changed either, it's not the first prize after all.

Lin Shu couldn't help thinking about when another [Eye of Prophecy] equipment would be released, or else he could unlock the [Item Mall] at an earlier level, allowing him to buy an [Eye of Prophecy] in the mall.

As for... the price of [Eye of Prophecy]?

Lin Shu thought of the long string of 0s behind the [Eye of Prophecy] price he saw earlier, and instantly felt that it was another house price that he couldn't afford.

My heart is so stuffy!

Otherwise, instead of buying the house in full, just pay a down payment and buy a house with a loan?

Commercial loans have high interest rates, so he can use the provident fund for loans.

After all, he has been working for three years. Although the provident fund deposits are not much, he can also use the provident fund for loans, so that he does not have to pay all the money at once. After all, buying a house is a rare opportunity to borrow a large amount of money from the bank , The remaining money can be used to invest in financial products. Even if you don’t take the stock risk bridge, you can also take the fund risk road.

After thinking about it, Lin Shu felt that it would be better to keep some money around him as an emergency asset.

Lin Shu directly downloaded a house viewing software with his mobile phone, and planned to take this opportunity to see the house today.

Anyway, I also brought relevant proof of bank card and ID card with me.

Lin Shu swiped at the house viewing app on his phone, and decided to avoid the core area of ​​the city center. The average price of housing in the city center is around 15,000. I have to say that this price is already very friendly for a provincial capital city. Of course, the real core location and good real estate will also have an average price of 20,000 or even more than 30,000.

The best place is naturally near Shonan University. After all, he has already planned to take the postgraduate entrance examination for his alma mater. Unfortunately, the real estate prices there are very expensive, and most of them are now worth three to four million. Lin Shu really can't afford it, so he can only retire The second thing is to diverge around Shonan University, and then choose properties close to the subway for easy travel based on price and location.

According to his own budget plan and online developer evaluation, Lin Shu roughly selected several real estate projects, and directly took a taxi to see the first real estate Jiangyuan International that he thought was more suitable.

The taxi went directly to the sales office of Jiangyuan International. Before Lin Shu entered, he checked that the distance between the buildings was very good, and the greenery was not bad.

There is a subway entrance within 200 meters of the key point, which is the key point.

Because it was a working day, there were relatively few people who came to look at the house. When Lin Shu entered the sales hall, he saw no one at all, but a female salesperson walked over immediately at the door, and asked with a smile: "Handsome, Did you come to see the house?"

Lin Shu nodded.

"First time?"

"Yes."

"I haven't asked how to call you yet."

"My surname is Lin, Lin Shu."

The saleswoman led Lin Shu to the real estate sand table, and said with a smile, "Handsome Lin, let me introduce you first."

The real estate introduction also refers to the introduction of several buildings on the sand table, mainly talking about the advantages of the real estate, which buildings are for sale, the specific location, and the surrounding supporting facilities, educational and teaching resources, and the types of houses for sale, etc.

In fact, Lin Shu has seen a lot of these on the way here. In fact, he came here because of the surrounding supporting facilities and the fact that the developer itself is a big developer.

In fact, the real estate price and floor plan are already available on the APP software for viewing the house. Now Lin Shu also wants to conduct a field inspection and take a look at the model room.

The saleswoman actually didn't know if Lin Shu was coming to buy a house, or just came to have a look. After all, Lin Shu in front of her was still very young, but regardless of whether Lin Shu would buy a house or not, anyone who could come to the real estate site to see the house was a potential client.

Therefore, there were no bizarre incidents of contemptuousness and inexplicable ridicule.

"I'd like to see the showroom."

Naturally, the female salesperson will not refuse, the more interested the person, the higher the possibility of buying, this is clear.

"Of course, Handsome Lin, what type of apartment do you want to see?"

"It's a tie between 109 and 129."

The saleswoman knew in her heart that this was also within Lin Shu's budget, so she naturally took Lin Shu to see the model rooms of these two types of apartments.

I have to say that all the real estate developers have built the model rooms very beautifully. Once you put on the shoe covers and enter from the door, they are bright, tidy, and very transparent. As expected, the decoration is very elegant. Lin Shu went to the balcony to take a closer look. Not on the side of the road, not too noisy.

"There are relatively few floors for sale in the three-bedroom 109. If you want to buy it, Mr. Lin, you should buy it earlier."

Hearing this sentence, the corner of Lin Shu's mouth twitched, noncommittal.

Lin Shu didn't say anything, but asked the female salesperson to take him to see another 129 apartment, which was 4 bedrooms, 2 living rooms, 2 bathrooms and 1 kitchen.

The three-bedroom will be much cheaper, but the four-bedroom will be more convenient. Parents can live in one, two guest rooms, and one for future children, in case they respond to the national call to have a second child...

Ma Dan, you are single and want to have a second child!

Lin Shu shook his head to get rid of this unrealistic idea in his mind.

I have to say that the two apartment types are very good. After all, the apartment types designed by a big developer are very neat and transparent from north to south.

The female salesperson continued to introduce, but Lin Shu didn't say anything.

He wouldn't just look at this real estate, and then buy it without saying a word, shocking all the sales ladies in the audience.

After leaving his contact information, Lin Shu planned to take a look at another real estate nearby.

In fact, after Lin Shu left, he calculated that if he bought a 129-square-meter house with an average price of 10,000 yuan, it would cost 1.29 million yuan. Even if he used a provident fund loan, it would cost 860,000 yuan down payment based on the loan amount. Because his provident fund deposits are limited, he can only borrow a maximum of 430,000 yuan.

Lin Shu felt that it was not necessary to buy a four-bedroom house all at once. The first reason was the price, and the second reason was that his parents might not live with him in the city, and his children didn’t know when to cross the Naihe Bridge. He felt that he could buy 109 square meters In this way, only a down payment of 660,000 yuan is required.

Now he has a bonus of 1.36 million and a deposit of 100,000, which is 1.46 million in total.

If the down payment of 660,000 is paid, there will be 800,000 left.

In this way, I feel okay after doing the calculations. Even if I pay a certain amount of mortgage every month in the future, the pressure will not be too great.

Lin Shu calculated the housing loan with the wealth management tool in his mobile phone. If the provident fund loan is for 30 years, he only needs to pay 1,800 yuan a month. If the loan is for 20 years, he needs to pay 2,400 yuan a month.

Lin Shu was hesitating whether to choose twenty years or thirty years.

After the other 800,000, the budget for buying a car is 100,000, the parking space is 100,000, and the decoration is 200,000, which means 400,000 is gone. It should be——

Maybe there might be four hundred thousand left?

Lin Shu felt an inexplicable embarrassment.

Which big boss who got the system would still consider a provident fund loan to buy a house, the key is to calculate the numbers all the way.

Spread hands ┓(`)┏, probably only him.

Thank you Mr. Jiang for the reward of 1500 coins! Thanks(ω)

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