Chapter 33

Translator: EndlessFantasy Translation Editor: EndlessFantasy Translation

What kind of experience was it to win a prize worth more than a million yuan?

The answer was too little money and could only relax for a while.

There was nothing special about the 1.36 million yuan transferred to his bank card. Lin Shu didn’t receive a call from the bank manager to give him a gift, nor did he receive a call from a financial manager to buy a financial management-related product.

All of these were still far from Lin Shu.

After receiving the award, Lin Shu’s excited mood gradually calmed down.

After a period of peace, Lin Shu suddenly realized that this money could only make him feel a little more relaxed. It might even be enough for him to buy a relatively cheap house in Star City.

Lin Shu thought, ‘If it was calculated according to 100 square meters, the central area of the city naturally did not need to be considered. Then, at least a budget of about one million was needed, and this was not even the central area. Then, if I bought a car, even if he only buy a car, it would cost about ¥100,000. After buying the car, he would naturally buy a parking space, and the budget for the parking space should not exceed ¥100,000?

‘Oh right, if the house was an unfurnished one, then it would cost a sum of renovation fees, including household appliances and furniture. Even if it was a simple renovation, it would cost ¥200,000.

100+10+10+20=?

~~(╯﹏╰)b

‘Why do I suddenly feel like I was penniless?

‘I had originally planned to give my parents a sum of money after winning the prize.’ Lin Shu thought.

Lin Shu suddenly felt that it was a pity. He was really regretful that he didn’t win the first prize. He was only missing a number. That missing one number could let him worry less and start his life of buying stuff.

‘It would be great if I bought a few more stakes.

‘Well, it might not have changed much. After all, it was not the first prize.’ Lin Shu thought.

Lin Shu couldn’t help but wonder when he would be able to get another Eye of Prophecy. Otherwise, he should unlock the Item Mall as soon as he leveled up so that he could buy an Eye of Prophecy from the Item Mall.

As for the Eye of Prophecy’s… price?

Lin Shu recalled the long string of zeros behind the price of the Eye of Prophecy and instantly felt that it was another price that he couldn’t afford to offend.

His heart felt aching!

‘I could just pay a down payment and buy a house with a loan instead of the full amount. Though the interest rate for the loan may be high, I could use the pension fund to pay for it.’ Lin Shu thought.

After all, he had been working for three years. Although the amount of savings in the pension fund was not much, he could still use the pension fund to take out a loan. This way, he did not have to pay all the money in one go. After all, buying a house was a rare opportunity to borrow a large amount of money from the bank. The remaining money could be used to invest in financial management products. Even if he did not take the stock risk, he could still take the fund risk.

Lin Shu thought about it and felt that it would be better to leave some money with him as emergency funds.

Lin Shu downloaded a property viewing app on his phone, planning to take this opportunity to view the property today. Since he had his bank card and ID card with him anyway.

Lin Shu scrolled through the property viewing app on his phone and chose to avoid any property in the central area of the city. The average price of a property in the city center was about ¥15,000 per square meter. It had to be said that this price was very friendly for the provincial capital. Of course, the real central areas and good property buildings would cost more than ¥20,000 per square meter or even more than ¥30,000 per square meter.

The best place was near Xiangnan University. After all, he had already planned to study at his alma mater. Unfortunately, the property prices there were very expensive, and most of them were three to four million yuan. Lin Shu really couldn’t afford them, so he could only settle for the second best. With Xiangnan University as the center, he would choose a property near the subway according to the price and location.

According to his own budget plan and the evaluation of developers online, Lin Shu roughly selected a few properties. He took a taxi directly to take a look at the first property by Jiangyuan International that he felt was more suitable.

He went to the sales office of Jiangyuan International. Before Lin Shu entered, he saw that the space between the floors was good, and the greenery surrounding was acceptable.

The most important thing was that there was a subway entrance two hundred meters away.

As it was a working day, there were very few people who came to look at the property. When Lin Shu entered the sales hall, he didn’t see anyone at all. However, a saleswoman immediately came over and asked with a smile, “Sir, are you here to look at the house?”

Lin Shu nodded his head.

“First time here?” the sales assistant asked.

“Yes, I am,” said Lin Shu.

“How I should address you?” the sales assistant asked.

“I’m Lin Shu,” said Lin Shu.

The saleswoman led Lin Shu to the property sandbox and said with a smile, “Mr. Lin, let me introduce you.”

The property introduction was also referring to the buildings on the sandbox. It mainly talked about the pros of the property, which buildings were for sale, the specific locations, the surrounding facilities, educational institutes, and the type of houses for sale.

In fact, Lin Shu had already seen a lot of these things on his way here. To be honest, he came here because of the surrounding facilities and the fact that the developer was a big one.

The property price and floor plan were already available on the property viewing app, and Lin Shu was now going to do an on-site inspection to see the showrooms.

The saleswoman didn’t know if Lin Shu was here to buy a house or just to take a look. After all, Lin Shu was still very young. However, regardless of whether he was here to buy a house or not, anyone who could come to the property site to take a look was a potential customer.

Therefore, there were no strange incidents of people looking down on others or ridiculing them.

“I’d like to take a look at the showroom,” said Lin Shu.

The saleswoman naturally wouldn’t refuse. The more interested a person was, the higher the possibility of buying it. This was something that everyone understood.

“Of course, Mr. Lin, which floor plan do you want to see?” the saleswoman asked.

“109 and 129 square meters,” said Lin Shu.

The saleswoman understood that this was also within Lin Shu’s budget, so she naturally brought Lin Shu to see the showrooms of these two apartments.

All the property developers had built their showrooms very beautifully. When they put on the shoe covers and walked in from the door, it was bright and clean, very transparent. The decoration was indeed very exquisite. Lin Shu went to the balcony and looked carefully. It wasn’t by the road, so it wasn’t too noisy.

“There are fewer floors of this 109 square meters three bedroom for sale now. So, if you want to buy it, Mr. Lin, you’d better buy it earlier,” said the saleswoman

Hearing that, Lin Shu’s mouth twitched, but he didn’t reply.

Lin Shu didn’t say anything and only asked the saleswoman to bring him to apartment 129. It had four rooms, two living rooms, two bathrooms, and a kitchen.

A three-bedroom would be much cheaper, but a four-bedroom one would be more convenient. Lin Shu’s parents could live in one room, and one of the two guest rooms can be the nursery for his future child. In case the country made the announcement to allow families to have a second child…

‘Idiot, you’re single and you already thinking about having a second child!’

Lin Shu shook his head to get rid of this unrealistic thought.

The two apartments were very good. After all, the apartments designed by the big developers were very neat and well-arranged, facing North and South.

The saleswoman continued with her introduction, and Lin Shu didn’t say anything.

He wouldn’t just look at this property and buy it without a second thought, shocking the saleswoman.

After leaving his contact information, Lin Shu decided to take a look at another building nearby.

In fact, after Lin Shu left, he was calculating that if he bought a 129 square meter flat, the average price would be ¥10,000 per square meter, so he would need to pay 1.29 million yuan. Even if he were to use his pension fund, he would still need to pay a down payment of ¥860,000 according to the loan amount. As his savings in his pension fund were limited, he could only borrow ¥430,000 at most from the bank.

Lin Shu felt that there was no need to buy four rooms at once. First, it was because of the price. Second, his parents might not live with him in the city. Moreover, he did not know when his child would ever come to him. He felt that he could buy a three-bedroom apartment of 109 square meters first. That way, it would only cost him a down payment of ¥660,000.

Now, he had 1.36 million yuan in prize money and ¥100,000 in savings, which was 1.46 million yuan in total.

If he paid the down payment of ¥660,000, he would have ¥800,000 left.

Lin Shu felt that it was not too bad. Even if he had to pay a fixed mortgage every month, he would not feel too much pressure.

Lin Shu was using the financial management tool on his phone to calculate the mortgage. If he took out a 30-year housing loan, he would only have to pay ¥1,800 a month. If he took out a 20-year loan, he would have to pay ¥2,400 a month.

Lin Shu was hesitating whether to choose twenty year or thirty years loan.

After deducting the budget of ¥100,000 for the car, ¥100,000 for the parking space, and ¥200,000 for the renovation, that would be ¥400,000. It should be… Lin Shu probably would have ¥400,000 left.

Lin Shu felt an inexplicable sense of awkwardness.

Which MVP with a system would consider buying a house with a housing loan? Furthermore, he calculated the figures very carefully.

Lin Shu shrugged and thought probably he’s the only one.