sbdcsierra Chapter 1809 Uncle's Visit
Chapter 1809 Uncle's Visit
Chapter 1809 Uncle's Visit
Ye Yaodong received Director Zhang's call three days later.
Just then, he had finished most of his work and was planning to call and ask if there was any further response.
Fortunately, Director Zhang was quite helpful and managed to negotiate a 7% discount off the quoted price. Although the quoted price was somewhat inflated, you can always bargain down a bit, but 7% is still a very low price.
Ye Yaodong didn't waste any time and immediately called Lin Xiuqing to go to the real estate agency together.
Director Zhang even took a few days off specifically to handle this order.
Before signing the contract, they went to Xuhui again to confirm that it was still the same building with 52 units, ranging from 89 to 120 square meters. After all, it was a newly launched development, and they had been discussing the whole building for the past few days, so it was a kind of quiet reservation.
After confirming the building, they immediately talked to the developer and signed the initial contract.
When they talked at the sales center, they went to a private office, which didn't cause a stir and kept a low profile.
However, the news that a boss had made a big purchase of the entire building had already spread. On my way to the office, I saw salespeople discussing it everywhere I went.
They even used this as a gimmick to promote how popular their properties were to customers, claiming that some owners would buy an entire building.
After signing the initial contract, they went to the bank again and paid a deposit of one million yuan. After all, it was the purchase of the entire building, involving an amount of more than 1800 million yuan, so the deposit was naturally large.
After paying the deposit and receiving the invoice, the building was considered reserved. The next step was to wait for the contract to be made and for notification. He would then come over to pay the balance or apply for a loan. He planned to pay in full, since he had plenty of cash on hand.
When he went to the bank to pay the deposit, he also learned in advance that the current interest rate for demand deposits is 3.15%, and the interest rates for fixed deposits are 6.66% for three months, 9.00% for six months, 10.98% for one year, 11.70% for two years, 12.24% for three years, and 13.86% for five years.
Don't assume that because deposit interest rates are high, taking out a loan will be more cost-effective. In reality, loan interest rates are ridiculously high, and he was shocked when he found out.
There will never be another interest-free loan like those from a few years ago.
At that time, no independent "personal housing loan interest rate" was set. The mortgage interest rate was mainly based on the benchmark interest rate for loans with a term of five years or more at that time, specifically 13.86% to 15.12%.
It is floating; when issuing loans, banks have the right to adjust the interest rate within a certain range based on the benchmark rate.
It is said that the past two years have been a period of high inflation in my country's economy, so the benchmark interest rate for loans with a term of five years or more has been raised to a historical high of around 15.12% in order to curb inflation.
An interest rate of around 15%! That's terrifying!
His 1800 million yuan house... he can't calculate how much interest it will generate, but he knows it won't keep up with deposit interest rates, so he might as well pay in full.
It makes sense. With deposit interest rates reaching 13.86% for deposits over 5 years, loan interest rates naturally need to be higher than deposit rates to avoid being taken advantage of. They must have learned from the experience of interest-free loans.
Such high interest rates are terrifying; he has no intention of taking out a loan.
After a busy day, including treating Director Zhang to dinner, it was already dark when I got home.
As soon as Lin Xiuqing got home, she sighed about the interest rates again, "A few years ago, you could get a loan for free, but now the interest rates are so frighteningly high. You got a great deal back then!"
"Of course, I have a good eye. If I think it's an opportunity, I'll seize it. Anyway, you don't need to question my decision."
Ye Yaodong was also somewhat smug; he too had managed to get something for nothing.
"No questions asked. These days, whatever you say goes, right? I'll listen to you completely. I wouldn't object if you said you'd buy a building. You can just spend 1800 million without batting an eye, and I wouldn't object either."
"You'll see how amazing my judgment is later."
Lin Xiuqing smiled and said, "Then I'll wait and see."
Ye Huimei greeted them, "Did you eat well tonight? Would you like me to cook some noodles for you?"
"No need, we just finished eating and came back."
"You bought the house? The whole building?"
"Yes, more or less. We've reached an agreement, paid the deposit, and will notify me when the contract is ready so I can go over."
“Wow, that’s awesome. Ah Guang should be back soon too. Once he’s back, I’ll go find that real estate agent you know. We won’t look at any other neighborhoods, we’ll just look at the one you bought the apartment in.”
"You've got it easy, just taking what's readily available."
"Haha, that's right. Third Brother has already inspected the whole area and bought an entire building. It must be a good choice. I'll just buy a place in the same complex as you."
"You have good taste! You definitely won't go wrong buying from me."
"Stop bragging, have some tea to sober up," Lin Xiuqing brewed her a strong cup of tea and handed it to her. She then said to Ye Huimei, "Your brother drank a bit too much tonight. You should think this over carefully and make sure you understand it before buying. Don't just listen to his encouragement."
Ye Huimei said with a smile, "I used to trust Third Brother too. My eldest and second brothers listened to him and each bought one in the wholesale market in the city. Now their value has increased tenfold, and they make a fortune just from the rent every year."
"That's true. Your third brother really spends money to get things done, and he's always been very reliable."
Ye Yaodong rolled his eyes. In the past, she was the one who was worried about him and thought he was unreliable, but now she was the one talking confidently and saying that he was reliable.
She said everything.
Men, you really have to let their abilities speak for themselves.
Look, my wife's attitude is completely different now.
After chatting with Ye Huimei, Lin Xiuqing turned to him and asked, "I don't know when the contract will be ready. Are you going to wait here, or go back..."
"Of course I'll go back to Zhoushan first. I've been here for 10 days, and I need to go back and get things done. I'll come back when I receive the contract signing notice. By then, I estimate that all ten Jiefang trucks will be able to get back."
Are you going back tomorrow?
"Well, let's go back first thing tomorrow morning. I guess we'll have to come back again in less than ten days or half a month."
"The Canton Fair is about to start accepting applications again this year, right? You must be very busy. You should go back and get back to your work."
"The fishmeal processing plant is constantly increasing its output, and this year's output will be much higher. I'll take a look at the output report when I get back so I can schedule the delivery."
They chatted about random things.
Ye Yaodong returned to Zhoushan City early the next morning.
Two days after he returned to Zhoushan, A-Guang also returned from the sea.
Upon returning, he didn't immediately call Ye Huimei. Instead, he went to find Ye Yaodong first to ask if Ye Huimei had any urgent business that required him to return from the sea.
After all, it was Ye Yaodong who delivered the message, so asking him would allow us to find out more.
Ye Yaodong summarized it simply by saying that he was buying a building in Shanghai and was optimistic about its future development. Ye Huimei was also interested, so she asked him to come back and discuss it.
Ah Guang didn't go to Shanghai immediately, but instead chatted with him.
The two drank tea for half the afternoon, and he said that he was very optimistic about it, that buying it would not result in a loss, and that it would definitely be better than leaving it in the bank to earn interest.
But I won't buy it. The price will skyrocket immediately, and there's always a period of consolidation. Anyway, I'll wait five or six years to see the absolute value.
Just like when he advised his older brothers to buy shops in the wholesale market, the shops were just average for the first few years, and it wasn't easy to rent them out.
It's different now.
After getting a general understanding, Ah Guang rested for a while before heading to Shanghai.
Ye Yaodong naturally went about his own business as usual.
However, one afternoon two days later, he received a phone call.
His uncle's boss's boat had just docked at the boat market for supplies and rest, and he planned to visit him tomorrow morning.
Ye Yaodong had a slight relationship with this person, which was entirely due to the gift he received. So, of course, he had to treat him well when he came to visit.
I prepared good tea and wine in advance, and also told the gatekeeper to call me when a guest arrived tomorrow.
He was thinking that if they could stay ashore for a while longer to resupply, he might be able to take his uncle to Shanghai for a medical check-up in a couple of days.
He was also about to pick up his ten trucks, so the purchase contract should be signed soon.
His uncle-in-law won't live past the millennium; he'll be gone in a few years. I heard about it last year, but I haven't heard anything. He's been at sea the whole time, so I can't contact him.
They're family, after all. Now that they're here, we have to tell them to take the person to Shanghai for a checkup; their lifespan is important.
Being a sailor is already quite physically demanding, and his uncle is in his fifties or sixties, not young anymore; he should retire when it's time.
Ye Yaodong got up early the next morning and didn't go anywhere. He waited for the guests in his office. Around 9 o'clock, he received a call from the security guard, so he got up to greet him and be polite.
"Uncle, Mr. Zhou is a rare guest. It's so rare for him to come. It's so hard to invite you to dinner."
"Mr. Ye, you're joking. You're the real boss. I'm just busy doing nothing, spending all my time at sea and never having time to go ashore."
Boss Zhou is a middle-aged man who is only about 1.6 meters tall and has a thin build. After all, he spends many years at sea, so even if he has money, he can't get fat. He also has the dark skin typical of people who work on ships, so he looks very inconspicuous.
"Hehe, making money is the most important thing. I was also at sea for the past two years."
"You've made it ashore now, but I haven't."
"Haha, what you're saying..."
As Ye Yaodong spoke, he led the person to his office to make tea and chat.
How long do you plan to spend resupply at this port?
"Let's take a couple of days off. We didn't go home for the Lunar New Year this year, and we were thinking of taking advantage of the holiday when seafood prices are high and there are fewer fishing boats to catch more. Let's rest for a few more days after we dock here so that everyone can relax a bit."
"Oh my, that must have been tough. You didn't even get a break during the Chinese New Year."
"I plan to wait until July to September, when typhoons are most frequent, and then go home for two months to rest and give everyone a long vacation."
"That's not bad. These two months are the peak season for typhoons. If you go out for only a few days, you have to come back, which wastes gas money and is a lot of trouble. You don't earn much money, just running back and forth."
"Yes, that's the plan."
"Since we have a few more days to rest, I'll take my uncle to Shanghai for a medical check-up tomorrow. My aunt calls me every day to tell me that whenever my uncle docks, she should call me and I must take him for a medical check-up."
My uncle protested with a laugh, "What's the point of getting checked? Even if you're perfectly fine, going to the hospital will always find something wrong with you. I'm perfectly healthy. Women just worry unnecessarily and waste money."
"That's not quite right. My parents took me to Shanghai for a checkup before the New Year, and they found out I have quite a few problems. They've been taking medicine for a few months now, and they say I'm much better. It's just a checkup, nothing serious. Why don't you come visit my home in Shanghai? You've never been before."
"Then you can come and sit for a while..."
Mr. Zhou laughed and said, "Your nephew is quite something, he even took you to get a checkup. You should be grateful."
“I can’t work for another two years. I need to get checked out. I don’t need to work anymore. I can just go home and retire.”
"So you mean you know where you're feeling unwell, and that tests can find problems?" Ye Yaodong said, sipping his tea with a knowing look on his face.
"Isn't this normal when you get old? You have aches and pains here and there, and I'm still adrift at sea."
"Then we definitely need to check it out. After all, we want to continue working at sea. If we check it out, we might be able to work for another two years."
"If the boss has no objections, then I'll go with you for two days."
Boss Zhou immediately replied, "Of course I have no objection. There are so many workers, one more won't make a difference. We have enough people for fishing boat maintenance and repair."
Ye Yaodong also thanked him politely, "Thank you very much, Boss Zhou. Let's have lunch together. I've already booked a table with a friend."
"Then I won't stand on ceremony. Actually, I was also wondering if you're interested in coral harvesting?"
“A few of us friends discussed it and decided to take advantage of the fishing moratorium in May to go to the waters near Japan and South Korea and do some fishing.”
"We're also short of a few boats and want to have some support. We did it once last year, but haven't taken any risks since. Now that it's been a while, I'm thinking of going again. I'll make some money and then go home for a two-month break."
“I see that Mr. Ye has a lot of ships, and they are quite large and much more advanced than ours. I heard last year that your friends were quite interested. If you want, we can go together in May.”
Ye Yaodong did not respond immediately, but thought about it for a moment.
He didn't think about himself; subconsciously, he rejected it, and there was no need for him to take the risk.
He was thinking about Ah Guang and his friends. If they heard this, they would probably agree to go along. He had been itching to do it since last year, but no one was there to guide him.
Now some people want to bring a few advanced fishing boats so they can have some backup; they're probably very interested.
He was just a little worried. Although he had never heard of any ships breaking the law and being arrested or detained by Japan and South Korea in his previous life, they were not involved in his previous life either.
Everything is subject to change.
However, he cannot make decisions for others.
Ye Yaodong poured tea for them before saying, "I've thought about it and I don't plan to take the risk of getting involved in this area for now. My friends, however, are quite interested. One of them just returned from the sea a couple of days ago and went to Shanghai. I'll talk to him in a couple of days and let them discuss it. I'll get back to you then."
"Sure, we're not going immediately anyway, there's still over a month. We'll definitely need to dock for supplies and be fully prepared before we go. By the way, how many ships does your friend have? What do you think?"
"They are all new ships from the last few years, so their equipment and detection capabilities are definitely not bad. I estimate there are three or four of them."
Boss Zhou nodded, "That's about right, but Boss Ye, why don't you consider it? You have so many ships, you can just send two, and you don't need to go yourself."
“Although I don’t need to go, the crew does. The same goes for the crew members if they are in danger, and I have to be responsible for them. I won’t go with you this year, but I might plan to go to international waters next year. We can set off together then. You can do your fishing, and I’ll stay in international waters. Maybe we can still keep in touch.”
His crew members were all from the navy; they knew the law and broke it, so the psychological burden on them was different.
"Next year? It's hard to say next year. Who knows what will happen next year, or even if we'll be able to do it at all?"
Ye Yaodong didn't think they wouldn't do it. Having tasted the benefits, and without strict warnings, they would definitely do it.
China's coastal defense is already weak. If they run into other countries' territory, China won't interfere. The sea area is vast, and other countries can't control every part of it.
They will only begin to restrict their illegal activities once domestic regulations are strengthened.
"Then let's wait until next year. My friend is waiting for his response. He should be back in the next couple of days. Then we can all have dinner together and talk in detail."
"sure."
Ye Yaodong spent the morning chatting with people about various things at sea, including their experience of poaching coral.
We saw him off after lunch, but we also made an appointment with his uncle to meet at the passenger terminal at 6:30 the next morning.
In the afternoon, he called Aqing in advance and asked her to send someone to register for an appointment early the day after tomorrow, otherwise he was afraid that he would not be able to get an appointment at the last minute.
I also asked about the progress of Ah-Guang and Yeh Hui-Mei's house purchase.
“They are all quite cautious. They have been looking for two days and are planning to choose a neighborhood like ours. They heard that the loan interest rates are high, so they are prepared to pay in full.”
"That would cost around 30."
"Pretty much. They must have accumulated a lot of savings over the years. The bank interest rates are high, so they've earned a lot of interest. I overheard their conversation and I was hesitant about whether to buy two apartments. After all, they have two sons. I was thinking of one apartment for each son, otherwise there wouldn't be enough to go around."
"That's fine too. Two sets of clothes for two sons, otherwise it won't be fair to divide them later. They're twins, after all, fairness is the most important thing, and they'll both get married in the future."
"I've noticed that they've been debating the floor, size, and price these past few days. Different floors and square footage have different prices. If it's a good deal, they might actually be planning to buy two apartments. I also told them that if they're short on cash, we can lend them some. They're still discussing it."
"Well, I'll go to Shanghai tomorrow and talk to them. If I have enough money and can make the tough decision, I'll definitely buy two apartments. Based on what he's earned these past few years, he definitely has enough money; he could even buy three."
He didn't know when prices would rise, but he knew now was definitely a good time to buy a house.
"When they come back tonight, I'll talk to them and tell them that you're coming tomorrow, so they don't have to make a decision so soon. We can talk to them again when you come tomorrow."
"Ah."
"Has our contract been signed yet? Have you received any phone calls?"
"Not yet. I'm thinking of taking my uncle for a check-up first, and then I need to go to the First Automobile Works to pick up the car. I'll be busy for a few days, right? When Huimei and the others buy a house, I'll go with them to take a look and ask about the progress."
"That should be about the same."
P.S.: One shouldn't be too diligent. I did some cleaning yesterday and overdid it. Today I have a sore throat and my whole body aches, like I'm impotent.