January 17th, Laba Festival.
The rain was quite heavy today, so Zhang Xupeng was too lazy to go out, and arrived at the company by car with Tan Jincheng.
The more such weather occurred, the more Zhang Xupeng envied Xiao Tan's driving skills; he simply didn't have the courage to ride an electric scooter out in this weather.
By the afternoon, Zhang Xupeng noticed that Xiao Tan seemed a bit off today.
"Xiao Tan, what's wrong with you today? You're not talking much and look down in the dumps."
He had been busy playing games in the morning, thinking Xiao Tan hadn't slept well, so he hadn't paid much attention.
But after lunch, Xiao Tan was still in the same state, which was a bit unusual.
"Ah, I'm short on money, it's a headache,"
Tan Jincheng said, rubbing his head.
"Isn't there still a lot of money in the company's account? How can you be short on money?"
"Not the company, I personally am short on money. I want to buy a house,"
Tan Jincheng said helplessly.
As the end of the year approached, Tan Jincheng had quite a few worries.
His biggest worry was how to persuade his fourth uncle to come work in Beicang next year when he went home for Chinese New Year, to avoid the tragedy from happening again as much as possible.
A factory couldn't be set up for now; there wasn't enough money, and besides, light-asset operation was optimal for a trading company.
The company had another major shareholder, and it wouldn't be good to affect Zhang Xupeng's interests due to his own selfish reasons.
Buying a house personally was the best option, and tricking his uncle into coming over under the guise of helping with renovations was the best solution.
His uncle was in the renovation business, which was his main job, and with his mother's connections, it shouldn't be difficult to get him to come help.
The hardest part now was solving the money problem.
He had recently looked at a lot of information on residential properties.
Relying on his memories from later generations, among the areas currently for sale and pre-sale, Liren Garden was the only one worth considering.
Other neighborhoods, though considered popular areas now, would become unpopular later this year with the relocation of the district government.
For example, the most prosperous area on Mingzhou Road now, near the small night market, would become deserted more than a decade later.
The only option left to consider was Liren Garden.
Liren Garden had been Beicang's top residential community for decades.
There were many properties currently for sale, with an average price of around 3800 yuan.
The house definitely couldn't be too small, or his uncle would leave after working for less than two months.
However, if the entire renovation process was entrusted to his uncle, and he himself found some minor flaws, it should be possible to drag it out for more than half a year, right?
After half a year, when funds were ample, he would think of other ways to keep his uncle, trying to prevent him from going to work in the Northeast this year, at least keeping him until after September this year.
"You want to buy a house? In Beicang?"
Zhang Xupeng asked, a little surprised.
"Yes, I want to buy a house, but I don't have enough money."
Unfortunately, there was no zero down payment option in Beicang.
It was said that some places offered zero down payment this year, but he didn't know if it was true.
"Why buy in Beicang? Beicang costs over 3000 yuan. It's better to buy in our hometown, where it's more than half cheaper,"
Zhang Xupeng said, scratching his head.
Zhang Xupeng's words made Tan Jincheng pause for a moment, then he slapped his head,
"Oh, right."
He seemed to have fallen into a thinking trap, believing it would be safer to bring his uncle to Beicang.
However, wouldn't it actually be better in their hometown of Yicheng?
That way, it would also be convenient for him to look after his cousin.
A house in their hometown cost less than 1500 yuan per square meter.
200,000 yuan could buy a pretty large area.
The down payment could be 30%, and he could still manage to get 60,000 yuan.
He could also use his parents' housing provident fund or something, which wouldn't cost much at all.
As for the money needed for renovation, it didn't require a one-time investment.
Besides getting some help from his parents, he could also cover it with his future salaries.
There was no need to rush to buy Maotai for now.
The main purpose of this house was to keep his uncle from going to the Northeast.
Whether it appreciated in value was not a consideration.
It was fine to live in Beicang a bit later.
"You're right, buying at home works just as well, hehe,"
Tan Jincheng chuckled.
He then said,
"I'm going out for a bit."
"Why are you going out in this heavy rain? There doesn't seem to be anything urgent today, right?"
"To borrow money. Even buying at home, I don't quite have enough, I plan to buy a larger one,"
Tan Jincheng said casually.
Calculating based on a 200,000 yuan full price for a house, the money he had plus this month's salary would barely cover the down payment.
There wasn't enough money for renovations.
Labor was cheap these days, but for a 200,000 yuan house, renovations would surely cost 50,000 or 60,000 yuan, right?
He also didn't know how much money he could get from his parents.
"Why go borrow money outside? I have some here, I can lend it to you,"
Zhang Xupeng called out.
From October to December, both of them received their full salaries for these three months.
Unlike Tan Jincheng, who also bought nearly 40,000 yuan worth of stocks, Zhang Xupeng hardly spent any money, and the 10,000 yuan he previously lent to Tan Jincheng had also been repaid.
Including the money he had leftover before, Zhang Xupeng already had 100,000 yuan in savings.
If January's salary was also included, it meant he hadn't spent a single penny in these four months, yet he owned 43% of Jinpeng Trade.
The company's business and relationships were all developed by Xiao Tan.
Zhang Xupeng was very clear about this; based on his own abilities, it would have been impossible to recover the investment so quickly.
Late at night, Zhang Xupeng would sometimes ponder that holding these shares even felt a bit hot to the touch.
Now Xiao Tan wanted to buy a house and was in a predicament.
If he had the ability to help but showed no support, it would be a bit unreasonable.
When Zhang Xupeng offered to lend money, Tan Jincheng was a bit surprised:
"Aren't you buying one? You have enough money to buy a decent house in our hometown too, right?"
Zhang Xupeng chuckled,
"I haven't thought about buying a house. You buy first, I'll consider it at the end of the year. Just remember to buy a car when I'm proficient at driving."
Compared to a house, Zhang Xupeng was more interested in a car now, fantasizing about the day he could drive home; that would be truly impressive.
A house just sits there, who sees it? Besides, his family didn't have as many relatives as Xiao Tan's, and their current house was completely sufficient.
"You should think carefully. It's cheap to buy now, but prices might go up by the end of the year. Look at Beicang's housing prices; they were less than 3500 last year, and now they're 3800."
"If it rises by a few hundred, then it rises by a few hundred. We can earn money now, why would we be afraid of price increases?"
Seeing Tan Jincheng about to say something more, Zhang Xupeng waved his hand to interrupt,
"Alright, don't say anything more. As brothers, I can't let you always sleep on the sofa when you go home, can I? You have many relatives, you buy first."
"I have over 80,000 in my card now. I'll transfer 80,000 to you first. If it's not enough, I'll give you more from next year's salary."
"I won't transfer January's salary to you. I'll give 20,000 yuan to my parents when I go home, hehe."
Seeing Zhang Xupeng's insistence, Tan Jincheng felt a warmth in his heart and didn't act coy.
"Alright then, before the holiday, let's give ourselves some bonuses. That way, you can give a bit more when you go home. Also, I'll give you some interest on this 80,000 yuan when the time comes."
"What are you saying? Are you scolding me? We're brothers, we don't talk about interest,"
Zhang Xupeng said, a little displeased.
After a moment of silence, Zhang Xupeng continued,
"Actually, I'm also very clear that all this money was earned because of you. I feel a bit uneasy holding the company's shares now. How about I give you back a portion of my shares?"
(End of chapter)
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