Li Ruoyu sat sideways behind Mo Youyong's new bicycle, clasped his arms around his waist, and put his left face on his back, looking sweet.

Mo You pedaled the bicycle pedal and held the handrails on both sides, and took the girl for a ride. He couldn't help laughing and said, "You are willing to sit on the bicycle and laugh, nor are you willing to sit in the BMW to cry."

"Who said it? The problem is that you need a BMW!" Li Ruoyu blurted out.

"If I have a BMW in the future, you will choose to sit on the BMW and cry." Mo Youyong said calmly.

"This is not the point, the key is who is driving. If the person I like is driving, it doesn't matter if he rides a bicycle. On the contrary, even a BMW car cannot let me take the initiative to go to his car to take the initiative." Li Ruoyu said seriously.

Mo Youyong pondered. A woman who is as precious as a rare species like a panda is still difficult to find in later generations, even the current demon city.

He knew very well that as an international metropolis, people's thoughts were more open and had been materialized in advance. In fact, there was nothing wrong with materializing it.

At the very least, there is a clear price tag. If you can afford it, you will consume it. If you can't afford it, you will not consume it. This is completely different from a specific historical period in the past. The level is not enough, and you will not be allowed to consume if you have money.

Mo Youyong parked his bicycle outside the KFC store, and then the two walked in together, after all, they didn't have supper.

"You can eat whatever you want? Order whatever you want, I'll treat you." Mo Youyong said generously.

"Of course you treated you. Who made you my boyfriend?" Li Ruoyu didn't like having affair with men like other girls, but she was not clear about their relationship.

When a man asked a practical question, he would say that. These are all tricks used by many girls, and the purpose is nothing more than to firmly control the initiative in your hands so that you can advance and retreat in moderation.

Often at this time, men can only scratch their ears and faces, and they can do nothing, and are even hung up by women. In this regard, girls in the Magic City have developed extraordinary skills. If they dare to be second, girls from other parts of the country will not dare to be first.

Li Ruo finished the raindrops and had enough food for them, and Mo Youyong found an empty seat with the plate and sat down face to face.

Mo Youy even though he knew that foreign fast food was junk food, he didn't say it clearly, so as not to be misunderstood by her that she was reluctant to spend money and was stingy.

In this era, ordinary people regard eating this kind of thing as eating good food, eating big meals, and having a sense of fashion.

"The agreement you signed and stamped for my mother is a one-year period. What are you going to do after the one-year expiration?" Li Ruoyu asked thoughtfully.

"Cool salad." Mo Youyong suddenly smiled.

"I didn't joke with you, I'm serious." Li Ruoyu said seriously without a smile on her face.

"There is a solution. I'm afraid you won't cooperate." Mo Youyong laughed again and said.

"You haven't asked me, how did you know I don't cooperate with you anymore?" Li Ruoyu saw that he had a solution, so she felt a little relieved in her heart.

"When the one-year deadline is approaching, we will first cook a raw rice first, and then your mother will not break up the two of us."

Mo Youyong's first reaction was that he thought of the requirements of future generations such as betrothal gifts, houses, cars, etc., which would not be mentioned by the female mother after she made the girl's belly bigger.

Of course, he just said casually with a joke. He had already calculated it in his mind. Although "The Legend of Jin Yong" is not as popular as "Legend of the Blood", there is absolutely no problem with profit. Otherwise, how could it become the longest-lived online game in mainland China?

A year later, he took out some money to buy a commercial house of 60 square meters nearby, which was no problem at all. In case of any problem, he could also apply for a mortgage loan.

The real estate market in 2001 was not the first house that was widely accepted by everyone in later generations, which required a down payment of 30%. For example, in the four first-tier cities, they still needed five years of social security and tax certificates, but only a down payment of 10% can be used to buy the house.

The reason why the down payment is so low is that at this time, Chinese people generally cannot accept this new consumption model.

Even if they want to borrow money, they will only borrow very little money, and the big one still has to pay it by themselves. They are worried that they will not be able to pay it back in the future, which is very troublesome.

As for the story of the old Chinese and old American women, I don’t know who created it. The old Chinese woman said that she finally saved the money she could buy a house for the rest of her life.

The old American lady said that she finally paid off the money for buying a house in her life. The conclusion is that even if the old Chinese lady bought a house later, she would not have enjoyed it for long. The old American lady not only enjoyed the good house first, but also continued to enjoy it in the future.

After a long period of brainwashing ordinary Chinese people, this story gradually began to accept it and housing prices rose.

To a certain extent, it is the common people who cheat themselves. After all, at first glance, it makes sense. In fact, it is completely unreasonable.

Even if the down payment is 30% or mortgage for 20 years, the interest and principal paid to the bank will be doubled as much as the original loan amount.

That is, if you have a loan of one million yuan, you will be paid to the bank for about two million yuan. For ordinary wage earners, at least you will sacrifice one person’s monthly salary to repay the loan.

On this point, the summary of the 2019 government work report for the whole year in 2018 clearly states why the consumption of ordinary people is downgraded and bank deposits continue to decline, which is that the people spend all their money to repay mortgages.

In addition to the necessary food and clothing for survival, there is no extra money to upgrade consumption? Some banks have even relaxed the age limit for mortgage loans to 80 years old.

If one generation cannot pay off the mortgage, then the second generation can get a relay loan. Maybe another three generations will get another relay loan in the future, and the loan loan will be passed on.

Of course, housing prices have risen all the time, so I feel like I've made a profit. This is just on the books. After all, ordinary people have a basic need for housing and dare not sell it.

Even if the owner of the original house dares to sell it, it will be to change to a larger house or move in to the central city.

Later, another expert professor jumped out and proposed six fallacies, that is, grandparents paid part of the money, grandparents paid part of the money, and parents paid part of the money to buy a house for their children.

Mo Youyong once laughed at the time. The old American woman encountered the world financial crisis in 2008, the US subprime mortgage crisis, and the sharp drop in real estate. Not only did she become a negative asset, that is, she was insolvent, but she also lost her house because she could not afford the mortgage that expired by the bank and then went bankrupt and left the streets.
Chapter completed!