Chapter 1 I can't pay my mortgage “【邮储银行】张齐元先生，，，请在3月28日16：，以免影响信用记录。如遇人民银行调整贷款利率，实际扣款金额将有所调整。感谢您的理解和支持！” Looking at the messages on his phone, Zhang Qiyuan felt a strong sense of suffocation coming over him, making it hard for him to breathe. He's almost unable to pay his mortgage again! When he thought of this, Zhang Qiyuan couldn't help but want to curse the agent who had deceived his parents into buying a house. When he was in college, his parents just wanted to know the housing prices in Seoul in advance, but then they were fooled by that damn agent, who said that their child was studying in Seoul and would definitely need a house in the future. It would be cheaper to buy it now, and it would be more expensive to buy it later. After buying a house, you can just pay a down payment and help your children pay the mortgage for a few years. You can let your children pay the rest of the mortgage themselves. This can develop their abilities and make them more motivated to make money. Moreover, after buying a house, you can use the rent to pay off the mortgage without worrying about your children not being able to pay back the mortgage. Then, his parents were deceived by the agent and bought a house in the new district of Seoul in his name. The agent was very nice at that time and helped him to get his work certificate and bank statements. Thinking about it now, Zhang Qiyuan wished he could strangle the agent to death. The new district of Seoul was a deserted place at that time. His parents wanted to rent out the house after a simple renovation, but they were unable to do so for a year or two. In order to repay the mortgage, his monthly salary is now just enough to repay the loan, and the remaining living expenses are only one thousand yuan. Fortunately, he now lives in his own house and does not have to pay rent. But what about this month’s mortgage? Zhang Qiyuan frowned. In order to pay off his mortgage, he had turned down too many social activities over the years. He didn't have many friends around him, but he had borrowed money from all those who could be considered friends to help them out in emergencies. Now others hated him so much that he was too embarrassed to ask anyone for help again.
Although his parents could help him pay back a little, he felt uncomfortable with the fact that he still had to rely on them for support two years after graduating from college. After thinking for a while, he opened the call log on his phone and called the number marked with 'Homesick Xiao Li'. After a while, the call was connected. "Hey, Xiao Li, how's the market going recently?" Zhang Qiyuan asked politely. "The market is not good right now. There haven't been many showings this week." Xiao Li complained with a sigh. "Uh, Xiao Li, I'm in a hurry to sell this house. Can you help me with some recommendations?" Zhang Qiyuan said with an apologetic smile. "Mr. Zhang, right? I'm not saying anything, but your house is on an average floor, is next to the highway, has poor decoration, and has a high target price. Customers don't even want to see it. Call me when your target price drops. Bye." Xiao Li said in a neither soft nor hard tone and hung up the phone. Zhang Qiyuan was speechless. He was well aware of the shortcomings that Xiao Li mentioned, but he was unwilling to sell it at a price 200,000 or 300,000 yuan lower than the market price. If it really doesn’t work, can I sell it myself? As soon as this idea came to Zhang Qiyuan's mind, he suddenly felt that there was a way out. He felt that the salary at his current company was too low, and he planned to find a new job. He could take advantage of this period of time to sell the house and see whether the market was not good or the agent was not serious. If the market was really bad, then he would sell the house at a low price. Even though he would suffer a loss, there was nothing he could do. Now the mortgage was like a mountain, making it hard for him to breathe. He did what he said. During the days when he was going through the resignation procedures, Zhang Qiyuan was also observing the real estate agencies at the entrance of their community. He counted them and found that there were quite a few, five in total. This was because several of them had closed down due to the bad market conditions. Come to think of it, the community he bought was previously developed by the Blue Sky Group, which is considered one of the largest developers in the country and a large-scale project in this area. At the entrance of the community, there is a Lianjia Real Estate and a Zhongshang Real Estate, both of which are intermediary companies under the Shell platform, which can be regarded as a platform. There are also two other companies, Aijia Real Estate and Shijia Real Estate, which are considered to be among the best chain brand companies in Seoul. There is also a Shangjia Real Estate, which I have never heard of. However, Zhang Qiyuan searched and found that there are more than ten chain stores in Seoul. After thinking about it carefully, Zhang Qiyuan ruled out Lianjia. After all, he only planned to work for a while and then run away. Working in such a formal company would have too many rules and it would be very troublesome to leave when the time comes. As for the Shang family, it was too small and was also ruled out by him. Finally, Zhang Qiyuan decided to choose a company from Aijia and Shijia to work for. Early in the morning, Zhang Qiyuan left the community and came to the shops in the community. Just as he was about to go to Aijia Real Estate, he found that Aijia Real Estate was closed. There was a piece of paper on the door with four big words written on it: “Subletting a popular shop!” There is also a phone number below. Is it so difficult to be an agent nowadays? Zhang Qiyuan muttered to himself, and then came to Shijia Real Estate. To be honest, the location of Shijia Real Estate cannot be compared with Aijia Real Estate. It is a bit remote. Except for the owners like them who come out of the east gate of the community, it is really difficult for ordinary customers to find it.
As soon as I arrived at the door of Shijia Real Estate, I saw five people standing in a row. In front of them stood a man in his thirties, dressed in a suit and leather shoes. He should be the store manager. "Good morning, everyone!" The store manager glanced at the people in front. "it is good!" "very good!" "very good!" "The family will be better!" "come on! Come on!" The weak voices of five people were heard. The store manager frowned slightly and said nothing. He just looked at a thin man and said, "Wang Yong, do you have any clues this week?" Wang Yong replied perfunctorily: “Yes, there are, but the cycles are very long and it is estimated that no deal can be completed in a short period of time.” "Sister He, what about you?" The store manager looked at a slightly plump woman with short hair with some anticipation. "I have a friend here who was introduced by my best friend, but she wants to find a great bargain, so there is no house available yet," said Sister He. "With the current market conditions, many property owners can no longer afford to buy. There will definitely be property owners willing to lower their prices. If everyone makes some calls, there will definitely be such properties available." After giving some encouragement, the store manager immediately turned his attention to a handsome man with long hair and Bluetooth headphones next to him, "Master Huang, forget it. You definitely don't have any clues." "Damn, Xiong Wei, who are you looking down on? I, Huang Yi, have been an agent for ten years after all." Huang Yi said with a laugh. "Do you have any clues?" Xiong Wei asked expectantly. "No." "Ha ha!" Suddenly everyone present burst into laughter. Zhang Qiyuan couldn't help laughing in his heart. It seemed that Huang Yi had a good relationship with the store manager Xiong Wei, otherwise he wouldn't dare to speak to the store manager in that tone. "What the hell are you talking about?" Xiong Wei was furious. He glared at Huang Yi, then looked at a burly fat man next to him and said, "Dong Hui, what about you?" "No." Dong Hui shrugged and said concisely. Xiong Wei's eyes flashed, and then he looked at the people in front of him calmly, "We are all old agents. There are some things that I don't need to tell you. Although I am only one of the shareholders of this store, it is because I am a shareholder that I have to take the lead and not give up." Dong Hui looked up at Xiong Wei, but didn't say anything. "Okay, let's adjourn the meeting. By the way, Piaopiao, there's something going on. Come with me." Xiong Wei smiled at the last pretty girl. After the queue was disbanded, Xiong Wei followed the two girls into the store, while several other boys started smoking at the door. Seeing this, Zhang Qiyuan hesitated whether to go over, but after thinking it over, he decided to go and take a look since he was already at the door. Seeing Zhang Qiyuan coming over, the sharp-eyed Wang Yong immediately threw away the cigarette in his hand, adjusted his tie, trotted over, and said enthusiastically: "Hello handsome guy, are you renting or buying a house?" (End of this chapter)