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The father and son returned home in the rain, took off their coats and hung them on the balcony. They lived in a single-family house.

Even though the word "single-family" seems to be very advanced, in fact, many poor people in the Federation live in single-family houses.

In the Commonwealth, the grade and geographical location of the community are the core indicators that affect the price of real estate, and it will not be a matter of whether a single house is not a single house.

And a detached house does not mean a villa.

Like an apartment on Bupen Financial Street, 60 to 70 square meters is worth hundreds of thousands, but outside the ring, a single-family three-story house with a basement and a yard may only need one-tenth of its price. , and even less!

To the Commonwealth, land is worthless.

Some areas even have laws that stipulate that ordinary people build houses on non-private land if they do not have clear ownership rights, and live there for a certain number of years, and maintain the environment around the house.

Then the house and the land under the house belong to the current occupants of the house.

So houses on the outskirts of the city are worthless.

The family lives far away from the city center, also to save some money.

When the land was bought, it cost more than 10,000 yuan, and there was only one empty land, which added up to 135 square meters.

The real estate developers marked a rectangular area with lime on the ground, and then they went to get the wood and asked the workers to help them, and finally built the house.

This is also the life of many people at the bottom. They buy a piece of empty land and then build their own house, just to save money.

In fact, the rich sometimes do this too, and they enjoy the fun of building a house.

In a better location, if you buy a piece of land, the real estate developer will send you all kinds of prefabricated building materials, and you will also rent some construction machinery.

All they have to do is assemble these building materials and turn them into a big house!

Of course, if they don't want to play for a while, the real estate developer will help them build the house. All the apartment types and appearances are designed early in the morning...

When the father and son returned home, the middle-aged man's wife asked them the result with great concern, and the husband told his decision.

The woman's expression suddenly became a little strange, but she did not burst out immediately, but remained silent.

Sometimes people can express their emotions and opinions without having to say or do things themselves.

Getting along is boring.

At night, the old man heard a quarrel in the other bedroom on the second floor, and he sat up from the bed.

He didn't turn on the light, just sat quietly beside the bed, the bright moonlight shining on him through the glass window.

He picked up his wife's photo frame by the bedside and put it on his lap, looking at her smiling face, he felt very sad.

The faint quarrel in my ears has never been heard, and the dog next door is also barking.

The old man sighed.

He stroked the face of "wife". When she was alive, he didn't feel how much he loved this woman.

Sometimes he thought she was annoying, but after she left, his heart seemed to be missing a piece.

"Why... why didn't you take me with you when you left?"

A tear fell on the frame, and the old man was quietly sad in the middle of the night.

Once he dominated and controlled this family, it has become a thing of the past as he grows old!

Now he is no longer the highest "king" of the family, he is just an old man...

The next morning, he opened the door and saw his son. He wanted to say something, but he didn't know how to say it.

Breakfast was dull.

Everyone was silent, and the atmosphere was suppressed to the extreme.

On the way to work, his son grabbed his hand and said, "I have already discussed with her to sell the necklace and take out a loan of 3,000 yuan, so that we can pay it all at once."

The old man was no longer happy at this time, just an indescribable bleak, he shook his head slightly, "Why not."

"It's actually pretty good now..."

The middle-aged man continued as if he didn't hear it, "I did the math, if we pay before the 25th, then on the 25th, you'll get one hundred and seventy-six dollars. "

"The pension you can get in one year is 2,000 yuan, and in five years, you can get it all back!"

"And you have other wages, so your income will be higher than mine!"

Yes, with an extra 176 yuan all of a sudden, even if the factory gave the old man the minimum standard, he would suddenly be higher than his own son.

"This is a very good deal. I listened to you before, but this time you have to listen to me."

The old man's lips trembled, but in the end he did not speak, but remained silent.

The middle-aged man realized that the quarrel between their husband and wife might have been overheard by the old man last night, and then he said as if to comfort and explain, "...she is a woman, don't listen to those stupid things she said, this family We still have the final say!"

The elderly finally agreed. In fact, they all know that, more important than pensions, is the qualification and reimbursement of medical insurance drugs, which can save them a lot of money.

After work, the father and son went to a nearby bank, but unfortunately, the bank rejected their loan.

The reason is very simple. They have not yet received an explanation of the relevant business type, that is, loans to pay pensions.

Generally, going to a bank for a loan will have a similar "interview" process, which is almost the most standard process in the federal government.

During the individual face-to-face process, the bank staff responsible for the loan will gain a deeper understanding of the usefulness of the lender's loan.

For consumption, for buying real estate, for financial investment or for other things like that.

Among them, the probability of purchasing real estate is the highest, and there is always a market for real estate.

However, for consumption and the like, the lender needs a certain background, such as financial investment, and the bank needs more detailed reports.

Today's loan content is to use money to pay social security funds. The lender does not know whether this matter can be operated.

But there is an unwritten unwritten rule, or consensus in the bank—

If you do not know whether the business loan in hand can be approved, it must not be approved!

This is an experience summary full of wisdom. In fact, in a place like a bank, what can be done has been very clearly told to every employee.

Since they don't know if they can do it, that is to say, the bank has not told them that they can do it, so it must not be done.

Disappointed, they ran to several banks, even the Federal Savings Bank.

The same answer, they have not yet opened such services.

Mainly they're not sure how much of a risk is there, and the actual lender is an elderly person, should he die unexpectedly, get sick, or whatever.

How to get this money back?

At the same time, if they approve, there will be more similar businesses coming to the door soon, to approve or not to approve?

Until a suitable process is found, no one dares to take risks unless—

They use the property as collateral.

Mortgage the property for 3,000 yuan?

Maybe they will agree, but not now, but finally.

After running for two days in a row and looking for several established banks, they all refused loans until they passed a Blackstone Bank...

Blackstone Bank suddenly rose to the seventh largest bank through several major political events, but it still does not have much reputation in the middle and lower classes.

People are even still in the "six major banks" period, and the expansion rate of Blackstone Bank is not fast, and even fewer people know about Blackstone Bank!

The father and son actually didn't have any hope and walked into the Blackstone Bank.

The pink-brown mirror marble floor reflects the gilt crystal chandeliers on the ceiling, and the decoration is so luxurious that it is like walking into a palace.

The spacious office hall is more stylish, and each work room has a vegetation wall as a partition, which does not affect each other.

The semi-enclosed office was very busy, and there were people flickering constantly.

The father and son were a little hesitant.

Just then, a staff member came up to greet you, "Gentlemen, thank you for choosing Blackstone Bank, what kind of business do you need?"

The father and son looked at each other, and the middle-aged man said breathlessly, "We... want to take a loan."

Loans, banks like this best.

The staff immediately ushered them into a work room and let them sit on the sofa.

Their clothes were very ordinary, and the sofa didn't look cheap. The staff didn't look down on them, but brought them coffee enthusiastically.

Immediately afterwards, the staff responsible for specific business began to take over, and they seemed to be in a state.

When the old man proposed himself as a specific lender and wanted to take out a loan to pay social security, the bank staff did not refuse!

In order to stimulate consumption during the Great Depression, the Financial Regulatory Commission and the six major banks announced that they would implement personal credit loan business in the federal territory without any collateral.

As long as the lender has no criminal probability~lightnovelpub.net~ there is no problem in paying taxes, and has a complete family and job, it meets the basic conditions of credit loans.

The six major companies that ran before all rejected them because they did not meet the conditions for their use, but here, they actually passed the most difficult part!

The two of them became a little happy, and the old man didn't even forget to ask a few more questions, can someone like him get a loan?

The staff gave him a positive answer with a smile.

"Your loan qualifications meet the loan standards. When I called just now, I was looking for your personal credit problems. There is no problem with 3,000 yuan."

"However, because you are relatively old and have limited repayment ability, if you want to get this loan, you need a guarantor to guarantee you."

"Once you can't repay the money, then the corresponding debt of the loan will be borne by the guarantor."

The staff looked at the middle-aged man, "Are you a family?"

The middle-aged man nodded subconsciously, "This is my father, can I be a guarantor?"

The staff said with a smile, "Of course!"