Chapter 35 34. A house slave with a high happiness index

The temperature suddenly dropped in Guangzhou that day. During dinner, Ye Tao asked Ye Mao, "Dad, how are your legs today?" Ever since Ye Mao and his wife got caught talking ill of Sha Dangdang last time, Ye Tao always ignored them for a while, and Sha Dangdang didn't hear from them. Ye Mao and his wife knew they were wrong, and tried to avoid provoking Ye Tao.Seeing that Ye Tao suddenly cared about him, Ye Mao said cautiously: "My leg hurts every time the weather changes, it's an old problem." Ye Tao said without raising his head, "Then you and my mother will go to Sanya to stay for a few days. At this time, the climate in Sanya is most suitable for the elderly. You don't need to wear sweaters when you get there. Short sleeves are just right."

Ye Mao and his wife looked at each other, not knowing what Ye Tao meant, Ye Tao looked up at them and said, "Are you two willing to go?" Ye Mao's wife tentatively said: "Of course I want to go, the two of us have never traveled outside the province - but that would be too expensive, right?" Ye Tao said lightly: "If you want to go, just give me your ID card, and you don't need to pay a penny." The old couple understood what their son meant, and were overjoyed. Ye Mao taught his wife wisely: "This is not an ordinary trip. Go to Sanya when it's cold, and Qingdao when it's hot. These are rich people. If Lao Ai and Lao Huang heard about it, they might be so jealous!" The old man could talk, and Ye Tao listened to it calmly, but in fact he was very pleased.

Ye Mao's wife also nodded her head like a chicken pecking at rice. When she was happy, she remembered the money she loved her son, and asked with concern: "Ye Tao, how much does it cost? Don't spend all your salary." Ye Tao then said: "Dangdang said, the last time I came to our house empty-handed for dinner, this trip to Sanya is her gift to you." Both Ye Mao and his wife were taken aback, and they couldn't help but glanced at each other. The old lady said hesitantly, "Ye Tao, isn't this appropriate? It's for no reason, and it's costing her too much."

Ye Tao glanced at them and said, "You don't need to think too much, Dangdang is sincerely accompanying you to play. Besides, this little money is nothing to Dangdang (dialect, small meaning)." Ye Mao and his wife now fully understand that Sha Dangdang doesn't need to "catch" Ye Tao's benefits at all. Speaking of this, Ye Tao simply put down the bowls and chopsticks, and solemnly instructed: "Dangdang graduated from a bachelor's degree and works as a sales manager in a foreign company. In the future, don't call her 'Laomei', and don't call her behind her back. Remember that. , don’t ask her how much money she earns a month, making us look like we’re trying to get someone else something!”

Surprised and ashamed, the two nodded repeatedly and promised to do so.Ye Mao's wife said enthusiastically: "Isn't Dangdang alone in Guangzhou? Why don't you ask her to move to our house, at least she can drink my soup every day, and she doesn't have to do any housework at home!" Ye Tao interrupted the old lady's chatter: "Dangdang won't come to live, she rented a house in our community, and the decoration is much more elaborate than ours." Ye Mao guessed: "Dangdang will buy a house in Guangzhou with such conditions." Ye Tao proudly showed off: "Dangdang said that he would like to buy a house in Tianhe when his job stabilizes."

When Ye Mao heard this, he couldn't help admiring: "Tianhe's house is so expensive! How much does she earn a month?" Seeing her parents stretching their necks and looking anxious, Ye Tao said impatiently, "I don't know how much Dangdang earns. Didn't you just promise not to ask how much she earns? Why did you commit a foul immediately!" What Ye Tao said was the truth, but the old couple mistakenly thought that his son deliberately refused to reveal it, and Ye Mao's wife did not give up, so she moved closer and asked, "Then how did you know Dangdang?"

Ye Tao said in a perfunctory way: "We met each other in the neighborhood. Why do you ask so many questions? Just go to Sanya and enjoy yourself!" He pushed his chair away and stood up to show that he didn't want to continue the conversation. That night, Ye Mao's parents-in-law were so excited that they almost stayed up all night. The north wind was beating on the aging window lattice. Looking forward to Ye Tao's future with all his imagination, and discussing the possibility of asking Sha Dangdang to provide them with the budget for the renovation of this old house. Speaking of this, Ye Mao confidently inspired his embarrassed wife: "Sadangdang's money is Ye Tao’s money! We are just such a son, he is now furnishing my house so that we can live more comfortably, and we will leave him everything after we die!”

When Ye Mao said this, he automatically deprived his daughter Ye Meilan of her inheritance rights, and completely ignored Ye Meilan's contribution to her natal family for ten years. Ye Mao's mobile phone bills, for example, Ye Meilan paid the bill after he broke the foot of the old Aitou in October, and then he asked Ye Meilan to give Ye Tao the money for learning to drive - he seems to remember these long-term and big-headed benefits of Ye Meilan That's amazing, not to mention the various benefits he got from Ye Meilan piecemeal. His wife has a good conscience, and felt that this inheritance distribution plan was a bit shameful for her daughter, so she reminded her husband, "What about Meilan? She has taken money from the family all these years. If you don't give her anything, she will die of anger." !"

Ye Mao showed the air that everyone has a share of too much pork and said: "Then leave all our savings to Meilan!" What he said is actually a drawing on paper. Even if the Ye family's savings occasionally exceed five figures, it is basically difficult to stay in the passbook. Ye Meilan knocked for a long time to get the cash, because she always hoped to reach the sky in one step, and instead lost all of a sale, she couldn't even hear the sound, and if there was trouble, she would pay back the debt, and the creditor chased after the door and yelled. The murder also happened. Although Ye Meilan was furious, she obediently paid the bill for the old man and her brother, or else blood is thicker than water.

Now, Ye Tao seems to be going to reform himself, and the rest is up to the old man himself. ... In mid-January, Ye Mao and his wife returned to Guangzhou from Sanya smoothly. Sha Dangdang tried its best to show off, took advantage of the company's event, and sent an Audi A6 to the airport to send the customer to the airport. Pull the old man and old lady home from Baiyun Airport. As soon as the car entered the community, Ye Mao and his wife kept calling the driver to slow down. The driver smiled and slowed down understandingly. Under the bright winter sun, the black A6 drove slowly through the simple street garden of the community. , Many old men and old ladies were chatting there.

Sha Dangdang asked the driver to lower the window, and Ye Mao and his wife poked their heads out to wave to the old acquaintances. The neighbors were really inexplicably surprised, wondering what kind of luck the Ye family had.In order to answer everyone's doubts, Ye Mao's wife yelled at an ignorant and sloppy old lady in the crowd, "A Tao's girlfriend sent a car to pick us up!" The sloppy old lady was a little deaf and couldn't react for a while, so she asked the person next to her to explain to her what Ye Mao's wife had said.He reacted quickly and quickly looked into the car. Sha Dangdang was wearing a pair of big sunglasses covering half of his face, and sat firmly in the passenger seat, giving Ye's parents a lot of face. (Wen'heart'hand'beat'group'hand'beat'organization') When the car arrived downstairs, the old couple warmly invited him, Sha Dangdang refused to go upstairs, and hurried back to the company. Ye Mao's parents-in-law had a pleasant vacation, and brought back a lot of trophies such as toothbrushes and slippers from the hotel. In the evening, as soon as Ye Tao came in after get off work, Ye Mao's wife happily showed Ye the treasures spread out on the bed. Look at Tao, the old lady said that she especially likes the hotel's non-woven laundry bags. In the past few days, Sha Dangdang and Ye Tao have not been idle. They went to see a very satisfactory real estate near Tianhe Park.After seeing the model house, Shadang fell in love with a three-bedroom, two-living elevator bungalow, 120 square meters, 7,000 yuan per square meter, and the developer paid for the decoration. The sales lady gave them a calculation, 30% of the down payment, including taxes and fees, and miscellaneous expenses for living, they won it in less than 300,000. Regarding the loan part, the sales lady read countless people, and seeing that both Sha Dangdang and Ye Tao were only 26 or 70 years old, they estimated that their strength was limited, so they asked for advice: "I will help the two of you to calculate a 20-year installment payment plan." okay?" Sha Dangdang hesitated for a moment, and said to the sales lady: "Well, please calculate the ten-year and five-year plans." Ye Tao was both excited and curious. In the past, things like walking into the sales department of a big brand and talking about house prices seemed to have nothing to do with his life. However, he had imagined Shadangdang’s economic strength many times but never got the point. Now when the large sum of money for the house suddenly gave him a strong impact, Sha Dangdang's family fortune seemed to be ready to be revealed. The sales lady was very proficient and quickly completed the calculation. She gestured with a pen and explained to the two of them: "The down payment is 30%, and you two need to borrow 590,000 from the bank. If you pay it off in ten years, you need to repay 6,500 per month If it is repaid in five years, the loan will be 11,000 yuan per month.” After the sales lady finished explaining, Sha Dangdang stared at the calculation on the piece of paper, thinking deeply and not expressing his opinion.Ye Tao quietly calculated in his mind that it would cost almost one million even with the principal and interest. He thought to himself, no wonder people call people who borrow money to buy a house "housing slaves". Some people may not be able to repay it if they sell it for a lifetime. Later, Sha Dangdang said that he wanted to go to the model house to have a closer look, and the sales lady led the two of them back to the model house from the sales department. Sandangdang looked again carefully, the room type is Zhouzheng practical, southeast unilateral orientation, ventilation and lighting are impeccable, the main balcony is wide and long, looking down is the garden of the community, and a little farther is the kindergarten, the bedroom is made of sandalwood The living room is covered with beige non-slip floor tiles, the bathroom and kitchen are in the style of a hotel apartment, with marble countertops, American standard sanitary ware, fireproof cabinets with stainless steel panels for gas stoves and range hoods, everything is shiny and cool. The hot water pipes have been installed, just waiting to install the gas water heater in the kitchen. Ye Tao is big, and the bathroom in Ye's house is small and cramped. He has to be careful every time he stretches his arms and legs in the shower. He looks at the spacious kitchen and bathroom in the unit in front of him, and is very envious.Sha Dangdang said at this time: "The shower head provided by the developer is not bad, and I have to wash it every day in the shower. I like this kind of shower head with large water flow the most. It is comfortable to wash, just like staying in a five-star hotel." The sales lady who greeted them had good eyesight, and early in the morning, she recognized that Sha Dangdang was the one who had the final say, so she smiled and said flatteringly: "Yes, water heaters, beds, sofas, these are not places where you should save money. Ms. Sha understands life very well, and she also has a good eye, just look at the house you picked." Sha Dangdang listened to people praise her for her understanding of life and foresight, and she was very happy in her heart, but her face showed. The sales lady saw it in her eyes and said: "The house price of 850,000 yuan is quite a lot, but, Such a house, in such a good location, would cost 2.5 million in Shanghai, and it would definitely cost 2 million in Beijing. It may not be packaged and repaired, so I still live happily in Guangzhou. The index is high. Moreover, if you compare the housing prices in Guangzhou in 1996 and 1997, you will know that the housing prices in Guangzhou will definitely continue to rise. It is really cost-effective to buy at this price, and you may buy it two or three months earlier. You saved fifty or sixty thousand, which is equivalent to earning five to sixty thousand for nothing—Miss Sha, if you two are willing to buy this house, this house is definitely a good choice!" While talking, the three of them turned back to the sales department. As soon as they were seated, they saw a middle-aged couple at the next table going through the settlement procedures.The sales lady noticed that Sha Dangdang seemed to be very concerned about the transaction at the next table, she went to pour the water calmly, and when she came back with the water, the customer at the next table had already collected the receipt and left. The sales lady handed the water to the two of them and introduced softly with a smile: "Those two customers chose the same type of apartment as you, and this is the most popular among customers. They bought ll Lou, what I calculated for you just now is the price of the set on the 11th floor." Sha Dangdang flipped through the promotional materials in his hand and did not speak for a long time. The sales lady saw that the benefits that the house could bring to the guests had already been explained at length, and the guests were almost flattered, so she took out the last trick to exert psychological pressure and said: "There are only so many lands in the city center. One house is sold less than one house. Our property has been selling very well since its opening. You two have also seen that there are still 3 units of this house type this morning. We went around and the house on the 11th floor is for sale. It's gone, now you have two choices, the 32nd floor or the 6th floor." To say that Sandang has been in sales may not be shorter than the seasoned sales lady in front of me. The sales lady’s tricks are classic routines she has played for five years, and she can’t go wrong when she plays Baolai with her eyes closed: First flatter the customer, which is called establishing rapport, and then talk about the characteristics of the product, especially highlighting the benefits that the product can bring to the customer (for example, what characteristics do I sell? These characteristics can help you solve the problem. What kind of problem will make you establish prestige in the industry, etc.), this is called the conversion of characteristics and benefits, and finally, it is to give some specific pressure, which is called asking for business. Ordinarily, the routine of the sales lady could not easily influence Sha Dangdang's decision. The key point is that Sha Dangdang originally liked the unit on the 11th floor, but watched others buy it on the spot.The middle-aged couple seemed to be wearing ordinary clothes, but they bought a house without frowning. They were as straightforward as buying cabbage, coming and going like the wind, and instantly swept away the sand as if it were their beloved house. The stimulation of Sandangdang is not light. Sha Dangdang thought for a while and asked, "What's the price on the 32nd floor? What's the price on the 6th floor?" The sales lady introduced: "Miss Sha, the higher the floor, the more expensive the price. The price difference for each floor is 50 yuan per square meter." Sha Dangdang pressed a few times on the calculator, widened his eyes and said: "The total price of the 32nd floor is 126,000 more expensive than the 11th floor?" The sales lady double-checked and nodded, "Almost." For Sandangdang, the ideal floor is the 10th floor facing upwards, but the 32nd floor is too expensive, and Sandangdang thinks he can't afford it, and the 6th floor seems to be a bit lower.If she is unwilling to choose the 32nd floor, she obviously only has 6 floors left to consider. Even this remaining choice is in jeopardy. It seems that there are full of big spenders everywhere, ready to roar up and sweep away the house she likes. go. Her poor three hundred thousand, she often thinks of them with pride and longing. It was originally a thick wad of banknotes, but now it is instantly reduced to a thin wad. Holding them tightly in the palm of his hand, he almost squeezed the banknotes out of oil. The sales lady analyzed that at Sha Dangdang's age, she was not strong enough to buy 32 floors, and she also estimated that she might think that 6 floors were not high enough.He lost no time in persuading: "Miss Sha, the 6th floor is actually not low. Our overhead floor is not counted. The 6th floor is as high as the 7th floor. This unit faces the big garden of the community. Just now you are on the ground. I see, the view is very wide, the air is good and quiet. Also, the management office regularly eliminates mosquitoes once a week, so you don’t have to worry about the problem of mosquitoes; moreover, it saves 30,000 yuan compared to the 11th floor. You may wish to consider 6 Floor, this set is also liked by many customers, just yesterday I received a customer who liked the set on the 6th floor, and he said that he would discuss it with his family in the next two days." This trick played by the sales lady is actually played by Sandangdang. It is called clarifying doubts. It is to find out why the customer does not buy your things, what is her real worry, and then analyze it for you to let you understand, your Doubts are not a problem. This lady has rich experience, and she adopted a layer-by-layer push method when clarifying doubts. She first told you that her 6th floor is actually equivalent to the 7th floor of other houses, and then pointed out that the main reason why people don't like low floors is that they are worried about the noisy ground and mosquitoes. And the poor view, etc., with the trick of "facing the big garden", it succeeded in four or two, and then further pointed out such a powerful argument as "it can save 30,000 yuan", and finally strengthened the pressure by saying that other people are also eyeing this house. , especially the spot transaction on the 11th floor, which made her final blow very powerful. The progressive approach of the sales lady really made Sha Dangdang's ideological struggle more intense. She asked, "When will the building be handed over?" The sales lady felt a glimmer of victory, and she said: "The building has been capped and is undergoing interior decoration. In half a year, the building will be handed over to people in July. It can almost be said that it is an existing building. Moreover, you have also seen , the living facilities around the community are very complete, and everything is convenient—it’s not that my real estate seller said that my real estate is good, but our colleagues all said that the unit price of 7,000 yuan is really a good deal.” In the end, Sha Dangdang told the sales lady that she would go back and think about it. Ye Tao couldn't figure out whether she was making an excuse or would really go back and think about it. On the night of looking at the house, Sha Dangdang suffered from insomnia, mainly due to overthinking. Sha Dangdang started her sales career as an intern in her senior year. She has been in sales for five years, and 300,000 yuan is almost all of her savings. Money can build courage, and now she has to take it all out at once, which makes her panic that she will be hollowed out. Since knowing that Ye Tao earns 4,000 yuan a month, Sha Dangdang has estimated that he has no savings, because she herself made so much money before joining DB, she has a good idea of ​​this, and basically can't save any money; Once in the Ye family, the messy furnishings and cramped space left a deep impression on her, and she didn't expect any behavior that could be called "sponsorship" in this family. Even if Sha Dangdang doesn't like to think deeply, because of the disparity in income between the two, the facts have indisputably aroused her anxiety.She asked herself, in the future, should she finance the building independently or together with Ye Tao? Sha Dangdang thought quite fairly that if Ye Tao was asked to contribute to the building together, it seemed a little unreasonable not to give him a share of the name; as for his name, he received a total of 3,000 yuan after tax. How much can he contribute?It is clear that I have suffered too much loss, this is no better than a trip to Sanya. Don't let Ye Tao contribute to the building together, he is also at a disadvantage, he will always live in a new house together, if he doesn't pay, isn't it the same as living in himself, let her mother know that she can't give her two big slaps and scold her for being an idiot Pigs, stick to men. Sandangdang is not used to thinking too much, and his head almost explodes. She got up from the bed and scribbled on the paper in distress, trying to clear out the main lines. After painting for a while, she seemed to have found some direction. She felt that she should think about the house in connection with two other things. One was whether she decided to marry Ye Tao, and the other was Ye Tao's future earning ability. Based on Sha Dangdang's understanding of Ye Tao for nearly four months, she thought that by influencing him, she could guide him on the road of sales, so that Ye Tao's income could increase, and she would not suffer a loss. However, in that way, Ye Tao would become a handsome man with the ability to make money. Didn't he make it clear that there was a risk?This speed is really hard to grasp, I'm afraid that when the time comes, the development of things can't be decided by oneself. Sha Dangdang looked at his square chin in the mirror worriedly, and turned the mirror back angrily. The next day, Sha Dangdang asked Yang Rui seriously: "What should I do if I really don't know whether stocks or housing prices are going to rise or fall?" Yang Rui was puzzled by Sha Dangdang asking such a serious economic question early in the morning. Seeing Sha Dangdang's strong thirst for knowledge, Yang Rui said responsibly: "The prospect is unclear, so don't move around, don't change your mind. Ever-changing, if you are in the air, you will be in the air, and you will get all the benefits—but, I can see that the market is currently at a low level, the real economy is so good, and the housing price trend is so strong, there is no reason for the stock market to fall again. Anyway, I am ready to welcome the arrival of the bull market at any time, and I will not keep cash in my hands at this time, either buying a house or buying stocks, without hesitation!" Sha Dangdang nodded solemnly and walked away.Yang Rui hurriedly stopped her and said, "Dangdang, let me tell you that the stock market is risky, and you must be cautious in investing. What I said only represents my personal point of view." Sha Dangdang said: "I know, I am responsible for myself. If you are willing to tell me, I should thank you." Yang Rui said, "Your attitude is quite correct." Sha Dangdang took out the business card of the sales lady who received them, and dialed her cell phone: "Miss Liang, I'm Sha Dangdang, is the unit on the 6th floor I saw yesterday still available?" After confirming that it hadn't been sold yet, Sha Dangdang was relieved. She said, "I've been very busy this week, and I don't have time to sign the contract. Can you keep that house for me first? I can spare time at about 12:30 noon today." Go to the sales department and pay the deposit first." The sales lady said again and again: "No problem, no problem, I will wait for you. Please prepare a deposit of 10,000 yuan, and remember to bring your ID card." Sha Dangdang hesitated for a moment and said, "Uh, do we have to confirm the name on the real estate certificate today?" The other party said very sophisticatedly: "You just need to determine whose name you want to put on the contract when you officially sign the contract. Even if you want to change it after signing the contract, it's okay, but it will cost a little money." Sha Dangdang heaved a sigh of relief: "I will decide when I sign the contract." At noon, Sandangdang ate a McDonald's hamburger and rushed to pay the deposit by himself, and made an appointment with someone to sign the pre-sale contract within ten days.The sales lady asked her with a smile: "Miss Sha, do you want to choose a five-year or ten-year loan? If you decide now, I can help you prepare the contract in advance, and you can save some time by coming over next week." I think you are young and promising, and you must be a busy man." This is also where Sandangdang is uncertain.The sales lady helped her calculate the loan repayment plan, which she studied that night. She should repay 6,500 yuan a month for a ten-year loan, and 11,000 yuan a month for a five-year loan.Sandangdang’s current basic salary is 7,000 yuan, plus various subsidies, and the monthly fixed income before tax is 9,000 yuan; the bonus is hard to say, in February she received a bonus of almost 10,000 yuan, after deducting social security and personal income tax , her December net income was about fifteen thousand. What Sha Dangdang does not lack is courage. With a monthly income of 15,000, she really dares to plan to repay the loan of 11,000 a month. The key is that Sha Dangdang is not sure whether she will be able to get such a high bonus every month in the future, and get It was five years in a row.In addition, Lin Rucheng, the regional manager, has too much personality, which also makes Sha Dangdang worried that a brick will fall from the sky and smash the job bowl he is holding. But if she chooses a ten-year loan, she has done the calculations, and she will have to repay 120,000 more than the five-year loan, and the feeling of being in debt is not so pleasant. Just don't want to. Seeing that Sha Dangdang was silent, obviously unable to make up her mind, the sales lady enthusiastically suggested: "Miss Sha, the five-year loan interest rate is one notch lower than the ten-year one. If the economy permits, the five-year one must be It’s a good deal, so you may wish to consider a five-year term—even if you feel tight in the future, you can change it to a ten-year extended loan repayment period; or if the economic conditions are better, there is no problem if you want to repay the loan in advance, and you will not suffer. .” Sha Dangdang didn't know that the loan repayment plan could be changed midway. After hearing the sales lady's introduction, she was very happy and said simply: "You are right, I will follow your instructions. I will choose five years." After leaving the sales department, Sha Dangdang looked up at the sky and let out a long breath: Since then, she finally joined the ranks of house slaves as she wished. On the second day after Ye Mao and his wife came back from Sanya, Sha Dangdang took advantage of having dinner with Ye Tao at Sichuan Kingdom Romance and said to him: "Ye Tao, I discussed it with my family, and my parents agreed with me buying that house. , My colleague also said that you should not hold cash now, you should either buy a house or buy stocks. After thinking about it, the 6th floor is also very good, and it can be 30,000 yuan cheaper.” Ye Tao was very happy for Sandangdang. Although Sha Dangdang didn't seem to plan to give him a name, he was still happy. Ever since he knew that the house payment with principal and interest was almost 1 million, Ye Tao didn't dare to count on it.Why?He has only dated you for three or four months. Sha Dangdang said again: "I'm going back to Chengdu for the Spring Festival, and it will probably take ten days." Ye Tao immediately said, "Then I'll take you to the airport then." Sha Dangdang shook his head and said, "I'm not going from Guangzhou. I'm going to Shanghai for a business trip before the Spring Festival. I'll go back to Chengdu directly from Shanghai." Ye Tao blinked and said, "Then, I'll pick you up at the airport when you come back." Sha Dangdang said: "Okay. I will call you when I get back to Chengdu."