The Cannon Fodder Female Supporting Role Strikes Back

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Zhou Yu's heart was beating unconsciously, and she asked quickly: "What policy?"

    The salesperson introduced: "In 1997, the state promulgated the "Trial Measures for the Administration of Personal Housing Secured Loans". In simple terms, you can buy a house by taking out a loan from a bank."

    "It means borrowing money from the bank." Gu Ye explained to Zhou Yu who was still a little confused.

    The salesperson smiled and said, "To put it simply, if you don't have enough money, this is the fastest way to buy a house. You just need to pay the down payment and then repay the loan every month."

    She looked at the three people carrying large and small bags bought from the mall and felt that there was hope.

    Zhou Yu suddenly seemed to remember something and asked, "Is there any interest?"

    The salesperson was stunned. She hadn't mentioned this on purpose just now.

    But she responded quickly and said, "It depends on how much you borrow, how much the house is, and how many years the loan is. I didn't tell you because I'm not sure. But now the annual interest rate is 6.7%, which is a little lower than before. It's a good time to buy a house!"

    "And the prices of our houses are bound to increase." The salesperson added quickly, fearing that Zhou Yu and the others would regret it.

    Although Zhou Yu asked about the interest rate, she was not very clear about how it was calculated. Gu Ye whispered in her ear, "This is the annual interest rate. If you borrow 10,000 yuan, the annual interest rate is 670 yuan. If you borrow 100,000 yuan, the annual interest rate is 6,700 yuan."

    Zhou Yu shuddered when she heard this. The interest rate was so high, plus what about the repayments that had to be made every month?

    The loan repayment is almost one thousand a month.

    Zhou Fang felt a little guilty after listening to this. Why is it so expensive to buy a house now?

    However, Zhou Yu and Gu Ye remained calm on the surface. Zhou Yu even asked, "If I want to buy a three-bedroom apartment, how much is the down payment? What about the loan?"

    She really wants to live here so that when her child is born, it will be convenient for him to study and play.

    Moreover, she knew that the housing prices here would only get higher and higher, and would increase by who knows how many times in the future. Once the store opened, the first thing she would do to make money would be to buy the house.

    Zhou Fang pursed his lips and wanted to say the second room would be fine, but he was afraid of being scolded, so he kept silent.

    The salesperson became even more excited. She took out a pen, paper and a calculator:

    "For example, if you buy a 100-square-meter house, it will cost about 100,000 yuan. The down payment is 30%, which is 30,000 yuan. If you take out a loan for 20 years, the monthly payment will be 560 yuan, plus the annual interest rate will be spread out every month..."

    She was still calculating, and Zhou Fang was already shocked, "Nine hundred and fifty-one dollars a month?!"

    It's just a loan!

    It only costs four or five hundred to rent a three-bedroom apartment now, but the monthly mortgage payment for buying a house is twice as much as renting one?

    Gu Ye also broke out in a cold sweat. Moreover, such a community also needs property management. The property, water, electricity, and loan costs would amount to at least one thousand yuan a month.