"Crack."
Cao Debao slapped himself twice, neither lightly nor hard.
"Bingkun, I'm really sorry. I drank too much and was a bit rude about what I said. I'm sorry."
Cao Debao's appearance made Sun catch up and Xiao Guoqing and Tang Xiangyang frowned secretly.
Sun Qianchao and Xiao Guoqing have a good relationship with Zhou Chen. Although they are also curious about why Zhou Chen can make so much money, they know that this is his skill.
Zhou Chen has treated them badly over the years. He often invites them to eat and drink, and also gives them some good cigarettes and wine.
Although they also helped Zhou Chen with some things, compared with Zhou Chen's efforts, they obviously took more benefits.
Tang Xiangyang's idea was even simpler. After leaving Jichun and entering Yanjing, he was considered a man who had seen the world, so he looked down upon Cao Debao's method of scheming against his friends.
Compared with Cao Debao, he would be more comfortable with Zhou Chen.
How Zhou Chen makes money is his private matter. If you ask him in public, what's going on?
Zhou Chen didn't show any dissatisfaction on his face. Instead, he said with a smile: "It doesn't matter. It's not something shameful. There's nothing you can't say."
Zheng Juan looked at Zhou Chen anxiously. She knew where Zhou Chen earned his money, but that method of making money was not a normal way. If someone reported it, it would definitely be regarded as speculation.
Although everyone here is a friend, there is a huge distance between them, so she definitely doesn't want Zhou Chen to tell the truth.
But how could Zhou Chen really tell the truth? Under the curious and excited eyes of everyone, he slowly told the 'truth'.
"Actually, things are not as you think. I did buy our house, but it was not paid in full, but in installments."
"installment?"
Everyone was confused, even Zheng Juan looked confused. She thought Zhou Chen would tell the truth, but she didn't expect Zhou Chen to actually tell such an answer.
Wu Qian asked eagerly: "What is installment payment?"
Tang Xiangyang said: "Bingkun, do you want to pay in several installments?"
"Xiang Yang is right."
Zhou Chen nodded and said: "The meaning of installment payment is that when I buy a house, I don't need to give all the money to the seller at the beginning. Instead, I give him a part first, and the rest is divided into several times and given to him. I and the seller
The person made it clear and paid it back to him in five years. In this way, in addition to the first payment, he only needs to pay more than 100 per year in the following years."
Cao Debao was surprised: "Isn't the person selling the house just a fool? If you give it to him for five years, isn't he afraid that you won't pay it back to him?"
Qiao Chunyan did have some sense and asked doubtfully: "Brother, is it possible that your real estate certificate has not been changed? I will transfer the title to you after the money is paid off?"
Zhou Chen looked at her as if she were a fool: "Do you think I'm that stupid again? If the real estate certificate doesn't pass, will I be willing to give you money?"
"But that doesn't make sense. Is that person really a fool?"
The first time they heard that Zhou Chen bought a house in this way, Xiao Guoqing, Sun Qianchao and others found it incredible. Their thoughts were similar to Cao Debao's, thinking that only fools would make such a deal.
Only Tang Xiangyang frowned: "Bingkun, it shouldn't be as simple as you said. Anyone who can own a house like that can't be a fool, right?"
"Of course, who is a fool in this world?"
Zhou Chen chuckled and said: "The installment payment I mentioned is not as simple as you think. The money is indeed paid in installments, but there are still things in between. I promised the landlord who sold the house. In addition to the first payment, the rest of the money,
I will pay him 10% more interest on the principal."
"Think about it, how much interest is there on deposits in the bank now? I gave him 10% interest all at once. Isn't it much more cost-effective than the bank?"
"Are you still going to pay interest?"
Qiao Chunyan and others all looked at each other, they really didn't expect this.
Wu Qian asked: "Isn't this just like loan sharking? Isn't the risk too great?"
"Yes, Kun'er, even if you are willing to give 10% more, there is still a huge risk. Why did they just agree?"
Zhou Chen explained slowly: "This is the key. Don't forget where I worked before. I know a lot of leaders of publishing houses. They act as guarantors for me. The seller is from the publishing house."
As a retired employee, of course he will trust me."
After hearing this, Tang Xiangyang praised: "Pay in installments, pay interest, find a guarantor, and only pay a small part of the money, and you can get the house first. Bingkun, you are really amazing."
After hearing Zhou Chen's explanation, several others also came to their senses. It was actually not difficult to understand, but they had not been exposed to it before. Now that Zhou Chen said it, they almost all understood the meaning.
Xiao Guoqing gave a thumbs up: "Bingkun, you still have the ability. If it were me, I wouldn't have thought of this at all."
Qiao Chunyan emphasized: "Even if you can think of it, you can't find anyone to guarantee it for you. With so much money, who dares to take this risk?"
"Yes, this is not just a few dozen yuan, this is hundreds or even thousands of yuan. Who dares to guarantee it?"
Others were also very emotional. They thought they understood Zhou Chen's method and knew it was impossible to copy it, so they didn't ask any more questions.
Zheng Juan lowered her head and remained silent. She was Zhou Chen's wife, so she naturally knew what the real situation was.
When I saw that Zhou Chen had just said an excuse casually and actually managed to scare everyone away, I was both surprised and proud.
Her man is still capable. All the people here combined are not as capable as her man.
Under the deliberate guidance of Qiao Chunyan and Cao Debao, Wu Qian and others talked and then talked about the house.
Wu Qian said with great envy: "Chunyan, I really envy you. Look at your house. It has a kitchen, a toilet, heating, gas, and running water; you don't have to carry water or pour swill.
I don’t have to worry about getting cold when I go to the toilet in winter, but I still don’t smell in summer. It’s really annoying to compare people to each other.”
Qiao Chunyan said: "It's so good. Our house is far inferior to my brother's house."
"That's different. Bingkun's house was bought with money, but your house was allocated by the work unit without spending a penny."
"What, then my brother's house still belongs to him. It has a real estate certificate, and my house is not mine. Maybe one day I will be kicked off, and this house will be gone."
"Okay, Chunyan, please stop showing off and make us envious. I am also envious. I can't even hope for this condition."
After saying that, Wu Qian sat up straight and complained: "Originally, with Bingkun's help, we could live in their house. I thought our life would be easier, but who would have thought that his eldest brother-in-law would actually have cancer?
"
When Wu Qian mentioned this, Xiao Guoqing immediately became angry and glared at her.
But Wu Qian was not afraid of him at all. Instead, she said: "What are you looking at? Am I wrong? Your elder brother-in-law went to see a doctor and you lent money to your sister. As a result, the doctor failed to treat the disease and all the money was spent.
What's even more shocking is that as soon as his eldest brother-in-law's employer left, the house was taken away. In the end, his eldest sister had no choice but to take her children back to live with her parents, but you all know what's going on in their family.
He just likes to be a big boss and get his eldest sister to live in the house where we live."
"Originally, it was okay for us as a family of three to live in Bingkun's house, but his eldest sister's family of three came over, and the six of us were crowded together, eating, drinking..."
Xiao Guoqing couldn't bear it any longer, picked up the object next to him, and threw it directly at Wu Qian.
"Shut up, don't you think it's embarrassing?"
"You dare to hit me."
"I just hit you, what happened?"
In an instant, the room was in chaos, until Qiao Chunyan slammed the table and shouted loudly: "National Day, please control your bad temper. What are you doing during the Chinese New Year?"
Several people talked and coaxed, and finally persuaded Xiao Guoqing and Wu Qian.
Seeing this, Zhou Chen also felt annoyed and didn't want to stay any longer, so he stood up.
"Chunyan, Debao, I'm sorry, our family has an appointment to take a family photo in the afternoon. It's getting late now, so we'll go back first."
"ah?"
Qiao Chunyan and others all stood up: "Brother, why don't you take a family photo? Why didn't I hear my godmother talk about it? Besides, the photo studio hasn't opened yet."
Zhou Chen smiled and said: "My dad decided this years ago. I asked my former colleagues to help me and asked them to take the photo. I have free time today. If you don't believe me, ask Juan'er."
Although Zheng Juan didn't know what was going on, she naturally would not refute her man.
"Yes, Chunyan, our family has already agreed."
Cao Debao asked: "Bingkun, why are you so anxious? Is what we said unpleasant?"
"No, no, it's really something."
Zhou Chen's mouth twitched, you are a bit self-aware.
"National Day, catch up, Wu Qian, Yu Hong, Xiang Yang, you guys are having a lot of fun here. I'll see you when I have time. We're leaving first."
"Wait a minute, Bingkun, I'll go with you."
Tang Xiangyang stood up quickly, and then said to Cao Debao apologetically: "Debao, I'm so sorry. My parents are not in good health. I can't be away from people for too long. I have to go back and take care of them."
To be continued...