Wei Nian originally planned to buy one of the two houses in Dongjiaomin Lane for himself and one for himself and his sister. Wei Nian was cunning, and when he talked to Wei Yin, he said that there was only one house, and he didn't have enough private money, so he and Wei Yin would buy it together. Wei Yin, as Wei Nian's sister, was not stupid at all. When she heard this, she felt something was wrong. Wei Yin made two cups of coffee and handed one to her second brother. The brother and sister sat face to face and talked.
Wei Yin smiled, "Second brother, you are thinking of me when you have good things to do. I know that you love me, but why are you so dishonest to your own sister?"
Wei Nian almost got his mouth burned by the coffee. He was stubborn and refused to admit it. "If I wasn't honest, I would have thought of you. It's just a few tens of thousands of dollars, which I can't turn around. I thought this was an opportunity to make a fortune. Although I can't make a fortune, think about it. The houses in Dongjiaominxiang are in the embassy area. Not only is the public security good, but there is also extraterritoriality. The more chaotic the world is, the more valuable the houses there are. At the beginning of this year, the war in Shanghai lasted for more than a month. I heard that the prices of houses in the Shanghai Concession have skyrocketed. Ah Yin, let's buy this house and resell it in three to five years before studying abroad. Although we won't make a lot of money, I estimate that it should be no problem to increase by 30% to 50%. This is ready-made money. Second brother thought that you have some spare money and you will have many places to spend money in the future, so I wanted to ask you to buy it together. I am only thinking about you, but you say that second brother is not honest. Your words hurt second brother's heart."
Wei Yin's mercury-like eyes looked back and forth at his second brother, and smiled, "Then I will settle the account with you, second brother."
Then, Wei Yin helped his second brother calculate his private property in detail. "Second brother, you have been a matchmaker and reselling utensils over the years. You also have the wages from the old shop, the dividends from the cosmetics factory and the lace factory, and the money from your second sister-in-law. How can your private property not be enough? If it is one or two houses, you have enough money. Tell me the truth, how many houses do you have? If there are many houses, let my family buy one too. Houses in Dongjiaomin Lane are not easy to find."
"Oh, my aunt, do you think this is a bargain? This house was introduced to me by Mr. Rong's friend. How could there be ten or eight houses? There are only two, and my private house is only enough for a little more than one. You know the situation at home. When you get married in the future, your share of the dowry cannot be missing. If you want to study abroad, your family will not support you. I am planning this for you." Wei Nian didn't expect that his sister wanted to study art in France. Isn't it said that those who study art are generally bad at math? How come his sister is so good at math! How can she calculate his private house so well! Wei Nian repeatedly reminded his sister, "You have to keep it a secret. It's not good for my parents to know. This house of mine is a private house for your second sister-in-law."
Wei Yin knew that among the four brothers and sisters, the second brother was the most thoughtful and the best at managing life. However, Wei Yin was already 21 years old, and she was not in a hurry to get married, but wanted to go abroad to see the world. Wei Yin smiled, "I didn't know that the second brother was thinking about me, otherwise, with the second brother's ability, it wouldn't be difficult for him to get a few thousand dollars."
"It's good that you know." Wei Nian was quite pleased, but he didn't expect Wei Yin's next proposal to scare him. Wei Yin wanted to buy a house by herself and not to form a partnership with her second brother. She wanted her second brother to give her the half house. She would pay for the whole house herself.
Wei Nian was quite surprised and asked Wei Yin, "You have so much money?" Impossible! Although Wei Yin was good at math, Wei Nian was not bad either! The cosmetics store was quite profitable. If Wei Yin could buy a whole house for himself, then Wei Nian and Chen Xuan's private house would definitely be enough to buy two.
"Anyway, I can afford it. Brother, do you agree or not?"
"No, I don't believe you have that much money. Tell me clearly, how are you going to get the money?"
"I can steal and rob, so of course I borrowed. I borrowed some from Ah Shu, and then borrowed some more from my family." Wei Yin added, "Then I will tell Dad that Ah Shu introduced this house to me. Her family is in Shanghai, and she doesn't want to buy a property in Beijing. I won't let you know anything."
"I'm not trying to discourage you, but it's not easy to borrow money from dad."
"Don't worry, I have my own way." Wei Yin looked confident, so Wei Nian had to give the house to his sister. He turned around and said to his wife, "I usually underestimated Yin. She is a very courageous person who hides her true face." He told Chen Xuan that Wei Yin wanted to buy a house on her own.
Wei Yin is not only courageous, but also decisive and efficient.
Wei Yin and Qin Shu slept in the same bed every day. Wei Yin borrowed money from Qin Shu, and Qin Shu gave Wei Yin the key to the bank safe without saying anything. Wei Yin came from a business family and always followed the rules. She wrote an IOU to Qin Shu according to the rules, and then told her father about borrowing money from her family.
When Old Master Wei heard that it was a house in Dongjiaominxiang, he did not object. He knew very well that it was not easy to buy a house in Dongjiaominxiang. If you were not lucky, you would not be able to buy one even if you had money. Old Master Wei said, "You are a girl, why do you want to buy a house?" How can a man not have a place to live after getting married? Old Master Wei advised his daughter, "It is good to save your own money as a private house. Otherwise, after one or two years of marriage, your husband's family will know that you have a house in Dongjiaominxiang, which will only cause trouble." For example, Zhao's relatives, because the Wei family was better off, made all kinds of small calculations, so that Old Master Wei was unwilling to have any contact with his family. He simply asked his daughter and son-in-law to move out and live in peace.
Wei Yin knew what her father was worried about right away. She said, "Why would I marry someone who wants my house? Besides, I'm not the eldest sister. I'm not saying that my eldest sister's wife is honest. If it were someone else, they would have divorced her long ago. It's not like our family can't afford to support our nephews. My eldest sister is a strawberry grower and earns a lot of money every year."
"Dad, just tell me whether you want to lend it to me or not. I'll just lend it to you for a month to make ends meet, and I'll definitely pay you back next month." Wei Yin asked the old man.
Old Master Wei was not in a hurry. He tapped the pipe on the edge of the kang. Wei Yin was very considerate and filled the old man's pipe with tobacco and lit it. Old Master Wei took a puff of dry tobacco and then said to his little girl, "Ah Yin, we businessmen should follow the rules of businessmen. I can lend you this money, but what can you use to pay it back? You said you can pay it back next month, but I don't believe it. Your dividends are all at the end of the year. Besides, can you pay back your family with a year's dividends? When doing business, the cash is in the account. It's not easy to really take out such a large sum of money."
"Of course my annual dividends are not enough, and I have no intention of using dividends to pay it back." Wei Yin told the old man about his plan. "I have found out that the bank can provide mortgage loans. As soon as I get this house, I will take it to the bank to mortgage it. Dad, I will pay the family back with the money from the bank. I am not worried about the bank's interest. I have seen the house. It is definitely not in the first-class location of Dongjiaomin Lane, but it is not bad. The yard is a bit small, it is a three-story building, there are six bedrooms, and water and electricity are all available. I asked the agent about this kind of house. The rent is at least 80 yuan a month. At that time, I can use the rent to pay the monthly interest. At the end of the year, I can pay the bank back with dividends. In two or three years, I can pay off the money."
Old Master Wei asked his little girl to write an IOU and then asked the old lady to take the money.
After Wei Yin received the money, he went straight to the transfer formalities with Wei Nian. The next day, Wei Yin's house was rented out for more than 80 yuan. The house had running water and was located in the Legation Quarter of Dongjiaomin Lane. After paying the bank's interest every month, there was still some money left. Wei Nian was very impressed by Wei Yin's idea of taking out a loan, and asked Wei Yin, "This is a great idea. Where did you learn this from?"
Wei Yin said, "Isn't Ah Shu also studying business in college? I've heard her talk about some things in the course. Because our business is relatively stable, I dare to go to the bank for a loan. Otherwise, I wouldn't dare to take out a loan. Otherwise, if I can't pay the bank's interest one month, the house will be lost to the bank!"
Wei Nian touched his chin and thought, I used to think that studying is useless except for appearances, but now it seems that he was short-sighted. Wei Nian couldn't think of such a method. This is not to say that Wei Nian is not smart. Wei Nian is rare among businessmen. He knew very early that he had some private savings. All the deposits, in order to maintain the value, were deposited in gold and US dollars in foreign banks. But Wei Nian could not know such business methods.
This has nothing to do with people's qualifications, it's a matter of vision.
Wei Nian thought to himself that he had to study hard.
As expected, Wei Yin paid back the money within a month. Even though Old Lady Wei was comforted by Old Master Wei, she was still worried and had no appetite for several days. Old Lady Wei was so worried that she wanted to hang herself. Who would be willing to marry such a debtor with so much debt on their shoulders? Wei Yin had no such worries at all. For the first time, she told Qin Shu, "I feel like I have a home now."
Qin Shu was carefree, unlike Wei Yin who was a bit sensitive, "This isn't home."
Wei Yin said, "This is my parents' home now. If I get married, I will marry into my husband's family. How can we women have our own home?" But after buying this house, Wei Yin's heart inexplicably felt settled. It was as if her wandering heart suddenly found a home.
The author has something to say: ps: The first update is here, good afternoon everyone!!!