Chapter 269 Mortgage of real estate

Father Ji sulked in the house, and soon after, Mother Ji returned.

It turned out that Ji's mother went out to buy vegetables just now, and bought some guys by the way, after all, it was a newly rented house, and there were still a lot of things missing in it, although it was cleaner, there was no need to worry about Chen Meifeng getting up every morning to scold the street, but life was still not as convenient as the previous building.

Ji's mother walked into the yard and heard Ji Ran's voice, and couldn't help but glance at the neighbor's house.

It doesn't matter if I look at it, I just happened to look at Ji Ran, and when Ji Ran saw his mother, he hurriedly ran out.

"Mom, you're back, I've been waiting for you for a long time." Ji Ran said to Ji's mother.

"Huh? How do you get in your neighbor's house? Why don't you go home? Isn't your dad home? Ji's mother asked.

Ji Ran pursed his lips helplessly, "Dad is angry, he doesn't open the door, he can't open it." ”

"You deserve it, who let you stab such a big Lou Zi?" Mother Ji rolled her eyes and said.

"Mom... Don't talk about it. Ji Ran frowned embarrassedly.

Mother Ji saw that her neighbor was there, so she didn't say anything, smiled and said hello to her neighbor Sun Chengwen, and then took Ji Ran home.

Ji's mother opened the door and took Ji Ran and Su Jingxun into the room together.

Mother Ji took a closer look at Su Jingxun, before she thought that Su Jingxun was the son of her neighbor Sun Chengwen.

"Yes, who is this?" Mother Ji looked at Su Jingxun and asked, only to see that this young man looked like a talent, handsome like a big star, and looked particularly attractive.

"Hello Auntie, I'm Su Jingxun, Ji Ran's friend." Su Jingxun didn't wait for Ji Ran to introduce, he introduced himself first.

"Oh, hello hello, I know, some time ago, Xiao Ran has been with you, right? You accompanied her to Europe? Mother Ji looked at Su Jingxun and suddenly remembered the photo she saw from the police station, so she asked.

"Yes, it's me." Su Jingxun nodded with a smile and admitted.

"You say, why didn't you tell us in advance when you took Ran Ran on a trip? We thought they were missing, and what the hell did you do? How can it cost so much money? Mother Ji asked with a frown.

Ji Ran's family is not a rich family, and they can't wait to break a penny in half to spend it, but Ji Ran went on a round-the-world voyage and actually spent more than 100,000 yuan, which is tantamount to an astronomical amount for Ji's mother.

"Mom, it's not my money that was spent, it's all his." Ji Ran whispered embarrassedly.

"Spend yours?" Mother Ji looked at Su Jingxun and asked.

Su Jingxun smiled and nodded.

"Can't spend anyone's money? Whose money doesn't blow in the wind, how can you be so troublesome? And you, what do you have to do with Xiao Ran? Why spend so much money on her? Mother Ji looked at Su Jingxun and asked.

"Uh... We... We're friends, actually... It didn't cost much, did it? Su Jingxun explained slightly embarrassed.

Ji Ran was chatting with Ji's mother, and Ji's father suddenly got up angrily and left, carrying a rag bag in his hand, which was a cloth bag that his father had used for decades, and was usually used to hold valuables.

"Dad, why are you going?" Ji Ran looked at Ji's father and asked.

Father Ji didn't say anything, put on his hat, and went out.

Ji Ran hurriedly chased out, "Dad, what's wrong with you?" Why are you still so angry? Didn't I come back and confess my mistake to you? ”

"Don't admit your mistake to me, the wrong person is not you, it's me, I shouldn't have raised you as an aunt." After Dad Ji finished speaking, he shook off Ji Ran and walked outside.

Ji Ran looked at his father's back, shook his head helplessly, and had to return to the house.

"Mom, why did Dad go?" Ji Ran looked at Ji's mother and asked.

"What else can you do? mortgaged the property, return the property of Chen Meifeng's family first, otherwise people will scold you every day, and I will lose the old face of your father. Mother Ji said with some emotion.

"Huh? Also Chen Meifeng's real estate? No, I've already returned it to them. Ji Ran hurriedly said.

"What? Did you return the property to Chen Meifeng's family? Ji's mother asked.

"Yes, I returned it this morning, and I have already returned to the house." Ji Ran explained to Ji's mother.

"Huh? Then why didn't Chen Meifeng say anything? Ouch, your dad is only afraid that he is already on the road, right? Hurry up and chase him back. Mother Ji shouted anxiously.

Ji Ran hurriedly and Su Jingxun went to chase Ji's father, but when they reached the intersection, Ji's father had already left in the car.

Ji Ran hurriedly stopped a taxi and went to chase Ji's father.

When Ji Ran came to the real estate trading center, he saw that Ji's father was negotiating a loan with the bank staff in the hall.

"Comrade, I want to ask, if my house is staked in the bank, how much can I borrow?" Father Ji asked cautiously.

"It depends on your property and house type, under normal circumstances, the loan amount is 60% of the average market price of the property, for example, after our bank valuation of 1 million houses, the maximum loan can only be 600,000, and there must be proof of income and two certificates and one book, and there can be no credit violation record." A staff member of the firm patiently replied.

"Can you only borrow 60 percent? Can't it be higher? Father Ji asked again.

"I'm sorry, it's not my order, it's our bank's rules and regulations." The bank staff said with a smile.

"Then look at my property, how much can I borrow?" Dad Ji asked as he took the property to the staff.

The staff took the real estate certificate and land use certificate brought by Ji's father, looked at it carefully, and said: "The house price here in Shengshi Heyuan is now almost eight or nine thousand, and this house is about 600,000 yuan, and at most it can be loaned to three or four hundred thousand." ”

"Huh? So little? Our housing prices are not so low, right? Now it's more than 10,000 flat. Father Ji asked strangely.

"Our valuation is estimated according to market conditions, not the market price of selling houses, and the current real estate market bubble is serious, and the house just needs to decrease, and it is impossible to have such a high house price, it may be that I underestimated, let me help you ask." The bank staff made a phone call, consulted with a colleague in the bank, and quickly hung up the phone.

"I checked it in the bank, and the valuation I said was about the same, and I could only borrow 400,000 at most." Said the bank staff.

Dad Ji thought about it, there is no way now, you can borrow as much as you can, in short, pay back Chen Meifeng a little first, so that she can scold the street every day, and let others think that their family is deliberately trying to cheat others of money.

"How's it going, uncle? Do you want a loan? If you take out a loan now, you can still enjoy discounts, and the interest rate will be raised in two days, and then the interest rate will be much higher than it is now. The bank staff asked.

"Okay, loan, loan." When Father Ji heard this, he was startled and quickly nodded again and again.

(End of chapter)