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Text Chapter 72 Shock

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    Although he only heard some conversations between the two parties, Zhang Wei, relying on his knowledge of real estate, was basically able to determine the whole story. It was nothing more than Zhang Wei's parents asking Zhang Wei's second son to sell a house to Zhang Wei.  My uncle's family borrowed some money.  Zhang Wei's parents originally planned to wait until the end of the year for the house to be completed, obtain the real estate certificate, and then use the house loan so that they could repay the money they borrowed. The problem now is that the real estate developer delayed the construction date, making it impossible to build the house before the end of the year.  , naturally there is no way to use the house as a mortgage.  First-hand real estate and second-hand real estate agencies have many things in common, but there are also many differences. For example, first-hand houses are divided into existing houses and off-plan houses. The so-called existing houses are houses that have been completed, and the developer has obtained the real estate certificate and can be used at any time.  House to stay in.  As for the off-plan house, it is a house that has not yet completed construction and cannot be delivered and moved in immediately. Therefore, it is not eligible to apply for a real estate certificate. The house purchased by Zhang Wei's parents is an off-plan house.  Compared with existing houses, off-plan houses have both advantages and disadvantages. The advantage is that the price is cheap and the room for choice is relatively large. The disadvantage is that it takes up a lot of funds and cannot be moved in immediately.  In fact, the main reason for the emergence of off-plan houses is that in order to obtain sufficient funds, developers pre-sell unbuilt houses, so that they can not only obtain sufficient funds for building houses, but also share the risks. It can be said that it kills two birds with one stone.  What Zhang Wei's father Zhang Jianguo just said is also a common trick used by developers. For example, in a planned community with twelve buildings, the developer may pre-sell Building No. 1 as an off-plan house, although the benefits obtained may be greater than  There are fewer existing houses to sell, but you can get a lot of liquidity in advance.  After developers obtain these working capital, they will start building buildings, but they will never build the pre-sold Building 1 first. Instead, they will build the remaining eleven buildings until the remaining buildings are completed.  , and after selling it as an existing house, sufficient funds were obtained to start building Building 1.  The reason for this is not difficult to understand. Since Building No. 1 has been sold off-plan, even if they build Building No. 1 first, they will not increase any income. Instead, they will consume working capital. If they build other buildings,  Building No. 1 can be sold directly to obtain more funds for construction.  The conflict between Zhang Jianguo and the developer comes from this place. The developer wrote in the house purchase contract that the first building will be completed by the end of the year. Zhang Jianguo habitually thought that it was the off-plan house he bought, but  Developers will definitely build several other buildings first in order to obtain more funds.  However, Zhang Jianguo's house cannot be completed by the end of the year, so he cannot apply for a real estate certificate. Without a real estate certificate, he cannot apply for a mortgage loan from the bank and cannot obtain a loan from the bank. Then Zhang Jianguo can only mortgage the house to his younger brother and his wife as agreed.  Brothers and sisters.  After the matter is told, it may seem very simple, but bystanders are clear and the authorities are confused. Otherwise, Zhang Wei¡¯s parents, who have always been cautious, would not have fallen into this predicament and reached the point where they are being forced to pay.  Liu Guihua's words just now were obviously very important, and the four people in the room were silent for a moment. Then Zhang Jianguo cleared his mind and said, "Brother and sister, what you just said is right. I really can't afford to pay you back now."  Money, but I hope we still follow our previous agreement. I will find a way to pay you back before the end of the year. If I can't afford it by then, how about mortgage the house to you? " "  Brother, since sooner or later the house will be mortgaged to us, why not take advantage of it now and wait until the end of the year?" Liu Guihua said with some reluctance.  Although Zhang Jianguo and his wife are honest, it does not mean that they are stupid. The reason why Liu Guihua is so eager to collect the account is not that he is really eager to use money, but because he wants to plot the house that Zhang Jianguo bought, because after Zhang Jianguo bought the house  , house prices have been rising in a short period of time.  The reason why Liu Guihua and his wife are now forcing Zhang Jianguo and his wife to mortgage the house to them is because they see the huge potential of this house. According to the current price increase of this house, the price of this house will be increased by at least 50,000 yuan by the end of the year. Liu Guihua, who is smart and aggressive, will naturally  I want to take over the house now.  "Brothers and sisters, please stop talking. I will not mortgage this house to anyone before the end of the year?" Zhang Jianguo's stubborn temper also rose, and he twisted his neck and said.  "Guihua, since eldest brother said so, let's go!" Uncle Zhang Wei, who had been silent since entering the house, pulled Liu Guihua's sleeve and said cautiously.  "Shut up, it's not your place to speak, you just know it's a waste of time." Liu Guihua scolded mercilessly.  "HeyI'm going out to smoke a cigarette,"Let¡¯s discuss it!  "After hearing Liu Guihua's reprimand, Zhang Wei's second uncle had a drooped face and did not dare to refute. He stood up and walked out of the house. "Go wherever you like, wherever you go, you are redundant.  "Liu Guihua scolded. Liu Guihua was already angry when she saw her husband's honest and arrogant appearance. When he came to Zhang Jianguo's house, he didn't say a word. After finally saying a word, he still turned his elbow outward, which made Liu Guihua, who always loved to take advantage, immediately become angry. Liu Guihua  The husband and wife are a strange couple. The husband is too honest and the wife is too shrewd. It is quite rare for the two of them to spend so many years together. Zhang Wei's second uncle opened the door.  Stepping out, he saw brothers Zhang Wei and Zhang Song standing outside the door. He couldn't help but be stunned for a moment and said: "Zhang Wei, when did you come back? Why didn't you listen to your parents just now?  " "Second uncle, I just came back from Beijing, and I haven't had time to see them yet.  "Zhang Wei said with a smile on his face. "Hey, Zhang Wei came back just in time. In order to buy you a house, your parents spent all their pension money. You are really cruel as a son.  .  Liu Guihua poked his head out of the house and said in a strange tone. "Brother and sister, Zhang Wei doesn't know that we bought him a house. You don't have to get angry with the child."  "Zhang Jianguo frowned and retorted. "Brother, I don't want to interfere with your family's affairs, but the money you borrowed from me must be paid back today.  "Liu Guihua said reluctantly. "Brother and sister, I will definitely pay you back the money before the end of the year, but now I don't have the money to pay you back.  "Zhang Jianguo sighed and said. "Brother, I don't like hearing what you say. We kindly lent you the money at the beginning, but now I need the money urgently, but you are unwilling to return it to me. What kind of thing is this!  " Liu Guihua said. "Brothers and sisters, your family's conditions are so good, and you haven't had any big expenses in the past two years, how can you be in a hurry to spend money?  "Li Huilan asked. "Sister-in-law, we only allow you to buy a house, but I won't be allowed to buy a house.  "Liu Guihua asked back: "The real estate market is so good now. Every business can make money if the price is higher every day. Why do I still want to buy a house and appreciate it in value?  " "Second aunt, you have been talking for a long time, just because the house my parents bought has appreciated in value, I feel a little unbalanced. I want to get the money lent to my parents back to buy a house by myself, or let my parents use the money they bought.  The house is mortgaged to you, right?  "Zhang Wei stared into Liu Guihua's eyes and revealed her thoughts in one sentence. "So what!  Stop pretending to be inscrutable in front of me. If you have the ability, you can pay off your parents' debts.  "Liu Guihua was struck by Zhang Wei's words and said angrily and sarcastically. "You really said it. I came back from the capital this time to pay off my parents' debts.  "Zhang Wei sneered and said. "You're not afraid of flashing your tongue when you talk big!  Your parents owe me 100,000 yuan?  Can you still afford it?  "Liu Guihua said with disdain. He didn't think Zhang Wei had the ability to repay the debt of 100,000 yuan. "Then look, is this money enough?  "As Zhang Wei spoke, he took the paper bag from Zhang Song and poured twenty handfuls of red banknotes onto the table in front of Liu Guihua. "Twenty handfuls of 10,000 yuan in RMB, which adds up to a total of  Two thousand banknotes, for ordinary people, is definitely a huge impact. Looking at the red banknotes on the table, except for the two Zhang Wei brothers, the other four elders were stunned at once, and they all looked incredulous.  looking at the banknotes on the table.
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