Wen Qingfeng started the car and drove Muyi and the others to Jinjia Road. On the way, the two families were very happy and looked forward to the beautiful life of being neighbors door to door in the future...

The car soon drove up Jin's main road and stopped outside the gate of Jin Chongming's house. Mu Yi and the others invited Wen Qingfeng's family to play in the house and have dinner before going back. But Wen Qingfeng and the others said they were going to their mother-in-law's house.

Mu Yi and the others couldn't be persuaded to stay, so they had no choice but to go to Xiatang.

When they entered the house, they saw that Jin Chongming and Zhang Xuefen were both at home, and they quickly said hello to them.

Jin Chongming and Zhang Xuefen were naturally very happy when they saw their daughter and son-in-law's family coming back. They hugged little Lele and loved her very much.

As soon as he sat down, he excitedly talked to Jin Chongming and Zhang Xuefen about the houses in Longzhong New Market.

"Dad, Mom, do you know about Longzhong New Market?"

"I know. It seems that a new street has been built there. It is said that the farmer's market, free market and livestock market in Longzhong will be moved there in the future."

Zhang Xuefen said casually.

"Yeah. That's right. We went to see the houses there today. They are really good. They are almost the same as our commercial street in Chengguan. Many houses have been renovated."

Mu Yi continued.

Jin Chongming asked thoughtfully: "Why do you think of getting up and running there to look at the house?"

When Mu Yi was about to answer, a guest came outside the door. Jin Lily turned her head and looked out. The person who came was none other than the third uncle. "Third uncle, come and sit in the room quickly."

"Oh. Yaoyao, you are back."

"Well. The Yi people are on annual vacation. Come back and have some fun."

"That's right, that's right. Jin Yanli and Lu Junchang are back from vacation to have fun."

Before he finished speaking, Jin Chongming's third brother Jin Chonggui stepped into the main room.

"Then ask them to come down and play. We will eat here in a while." Jin Chongming said quickly.

"No, no. We haven't bought some vegetables in the house yet. They are killing fish right now."

When Mu Yi saw Jin Chonggui, he quickly greeted him: "Third uncle, please sit down quickly."

Seeing the third brother sitting down, Jin Chongming asked: "Want a drink?"

Jin Chonggui smiled and said, "Then let's have a drink."

So, Jin Lily got up and went to the kitchen to get wine glasses, and filled a glass for each of her father and the third uncle.

Jin Chonggui and Jin Chongming each took a sip of wine.

"Oh. Go on."

Jin Chongming spoke and asked Mu Yi to continue what he had just said.

"That's right. We have been looking at where there is a suitable house. We are planning to buy another one."

When Jin Chonggui heard this, he interrupted Mu Yi.

"I'm telling you, don't worry too much. You can live in a suitable house wherever you want. Why bother? You bought the house in Chengguan. It gave everyone a lot of worry.

.Have you paid off your debt? I guess it may not have been paid off yet. You see, we have lived in Bantou, this township, for the rest of our lives. Where can we live without living alone?"

"Oh, third uncle, the debt has indeed not been paid off yet."

"That's what I'm saying."

When Jin Chonggui heard Mu Yi say that the debt had not been paid off yet, he was very satisfied with his analysis. He nodded and said proudly.

"It's just not the situation you imagined." Mu Yi quickly explained.

"What's the situation?" Jin Chonggui asked. Jin Chongming also nodded. Zhang Xuefen also looked at Mu Yi while teasing Xiao Lele.

"Dad, Mom, third uncle, it's like this. Actually, it's not that Sayuri and we are very big-hearted. It's just because we still owe the debt, so we want to pay it off as quickly as possible. That's why we need to pay more urgently.

Buy a house."

"I don't understand this a little bit." Jin Chonggui took a sip of wine and waved his hand.

"You owe money to buy a house now. Whether you owe money to a private person or money to the state (bank), you always owe money anyway. Well, now you want to buy another house. Then I will

I’m asking you. Where did you get the money to buy a house? Don’t say you don’t have money. Take a step back and say you have money. So since you have money, why don’t you pay back the money you owe? If people know this,

, you have money but you don’t pay it back, instead you use the money to buy a second house. Well, that’s too much! I feel like something is inappropriate.”

Jin Chonggui's words seemed to make sense. Jin Chongming and Zhang Xuefen both nodded after hearing this.

"That's right. Where can you two find money to buy a house?" Jin Chongming asked following Jin Chonggui's words.

"To tell you the truth, neither of us has a penny." Mu Yi said with some embarrassment.

"Isn't that right? If you don't have money, why don't you think about buying a house? It's better not to think about things all day long." Jin Chonggui said a Xigui dialect. What he actually meant was

It's saying that Mu Yi's head is thinking about some unrealistic things.

Although Mu Yi felt a little uncomfortable when Jin Chonggui said this about himself. However, Mu Yi knew that his idea was correct. He could have let Jin Chonggui continue to say this. Otherwise, Jin Chonggui's words would probably affect Jin Chongming.

If things continue like this, then I really won't be able to buy a house.

So Mu Yi began to demonstrate the necessity, feasibility and rationality of buying a house in front of the "three examiners".

"There are no outsiders here. Let me tell you why Sayuri and I must buy this second house. Now we really owe money to the bank as well as money to relatives and friends."

Everyone nodded in approval.

"Although the salary has been increased now, it has almost doubled from the original few hundred yuan. However, the family expenses are also increasing, and prices are also rising. Overall? Pay off the debt.

The progress has not improved.”

"In this way, we thought about whether there is any way to increase the family income. Sayuri and I are both working. Salary income is the entire source of income for the family. Can we no longer achieve 'source of income'? We can only 'save money'.

But there is a limit to 'reducing expenditure'. After all, we have to maintain the basic life of a family."

"Houses in the commercial street are now very easy to rent. The rent is also okay. I heard that you can rent it for about six to seven thousand a year. We thought, what if? We have another house. Then we can rent out this house in the commercial street.

You can increase your income.”

"You..." Jin Chonggui wanted to interrupt Mu Yi again.

Mu Yi quickly stopped him. "Third uncle? Don't get excited yet. Just listen to me and tell you slowly."

"We still considered two options. The first one is to rent a cheaper house to live in. If we go back and forth like this, we can still make some difference in rent. But, if we go back and forth like this, we won't be able to increase much in a year.

It also reduced the family’s quality of life.”

"That's right, you rent it out for five thousand? You will definitely not rent a house for five thousand to live in. You can only rent a house for two or three thousand. And a house for two or three thousand will definitely not be as good as your house for five thousand.

It’s a comfortable stay.”

Jin Chonggui said proudly.

"The key is that it's not convenient to rent someone else's house to live in," Zhang Xuefen added.

"That's right. The key is that you can't save much money. After paying the rent, the rented house will never be yours." Mu Yi returned.

"So, we are considering coming? After considering going, we decided to buy another house. In this way, we don't need to pay rent."

"Then where did you get the money to buy the house?" Jin Chongming heard something interesting. He suddenly couldn't understand the son-in-law in front of him. Could it be that he heard something and wanted to borrow money from him again?

He couldn't help but glance at Zhang Xuefen.

Zhang Xuefen quickly gave Jin Chongming a hard look. That meant that he did not tell his daughter and son-in-law that there were hundreds of thousands in cash at home.

Although Mu Yi and Jin Lily saw their strange eyes and expressions, they didn't know what they really meant.

Mu Yi continued, "We are going to take out a loan to buy the house."

"Loan?" the three asked in unison.

"Huh? Housing provident fund loan. The interest rate is very low. The interest rate is lower than the inflation rate. It is equivalent to the state subsidy for everyone. If you get the loan, it is equivalent to making money." Mu Yi said it very straightforwardly. It is indeed true.

In this way, in Mu Yi's understanding, this housing provident fund loan is indeed a subsidy from the state to everyone? Loans are earned. The earlier you get a loan, the sooner you get a house.

"Yaoyao. Are you confused? No matter how low the interest rate is, there is still interest. How do you say you are making money from the loan? Unless you use the loan to do business. Otherwise, you will lose money after buying the house.

How can we make money if we live here?”

Jin Chonggui was a little confused by what Mu Yi said.

"Yaoyao. What do you mean by 'expansion'?" Jin Chongming touched his chin thoughtfully and asked Mu Yi.

How can we explain this inflation to them? Mu Yi is not an economist. Mu Yi can only give him the simplest explanation.

"How can I explain inflation to you? Let me give you an inappropriate example. For example, the price of pork last year was 5 yuan per pound. Then you could buy 20 pounds of pork with 100 yuan at that time. But today the price of pork has increased to

For 5.5 yuan, you can only buy 18.2 kilograms. You can’t buy 20 kilograms of pork.”

"You can't buy pork for 5.5 yuan anymore, but it only costs 6 yuan a pound." Jin Chonggui said.

"I understand what you mean. To put it bluntly, money is worthless." Jin Chongming said.

"That's right. Money is worthless now. It's hard to make money, but it's easy to use money. I spent 100 yuan lightly. I haven't seen anything to buy yet."

"Yao Yao. As long as you think about it, go for it boldly. I don't have much education. But I know the principle: 'You will not be poor if you buy a family, but you will not be rich if you spend it.' Since ancient times, buying a house has meant buying fields, land, houses and shops.

We are all poor. I support you." Zhang Xuefen expressed her point of view.

Jin Chongming glared at Zhang Xuefen. Zhang Xuefen knew that her husband was afraid that he would reveal his words. It would be bad if his son-in-law and daughter knew that they had hundreds of thousands of cash in hand and wanted to borrow it but refused to lend it to them. He was so scared that he quickly collected it.
To be continued...