Chapter 105 A Suite

After leaving the central station, Tu Fu bought a copy of "Gottinghagen Tourist Guide" worth 5 pools from a newsstand on the roadside. Although the price is expensive, the printed version of the guidebook has extremely detailed city introductions.

Located in the eastern part of Baia, Göttinghagen, the capital city with a total area of ​​nearly 1,000 square kilometers, is the well-deserved political, economic and cultural center of Baia.

This city has a long history of hundreds of years since the founding of the People's Republic of China. It is also the earliest pilot site of Baia's industrialization. It has gathered the strength of the whole country to build an international metropolis.

There are a total of twelve main city divisions under it, and each area forms a ring around the Fort Hill Palace in the central city.

The Sutton and Lille districts in the northern area are relatively remote. They used to belong to the old town of Göttinghagen. The population in this area is generally older and the buildings are relatively old.

Although many places here were abandoned after the center of development moved to the south, the excellent infrastructure in the north has basically provided everything that should be there.

Several areas in the north have cheap housing with high cost performance, which is the best choice for outsiders to live.

Going south, it is closer to the current main urban area. The Brighton area is the address of the University of Göttinghagen. It is also a university town there. More than ten large and small schools are concentrated in one area, and two or three railway lines intersect vertically. Transportation is very convenient.

As a cultural center, cultural industries such as large markets, national libraries, museums, concert halls, and grand theaters are naturally indispensable. These infrastructures make Brighton look young and energetic as a whole.

Further down is the Mosley district, the CBD of Göttinghagen.

Based on Shanks Avenue, it is the largest Manton Park, an economic powerhouse, a super financial city, banks, stock exchanges, insurance companies, and railway transportation companies that can be seen everywhere on the street. The total value of these industries can be called Baia It is no exaggeration to say that half of China's economic lifeline.

At the same time, almost all the white-collar workers in the city are gathered here, and it is definitely the most prosperous area with the fastest pace of pedestrians.

The largest river in the city center is the Moll River that runs through the urban area of ​​Göttinghagen from west to east.

Many well-known buildings are distributed on both sides of the river. There are old-fashioned buildings hundreds of years ago, sculptures of celebrities who have fought for the kingdom and made great contributions, and churches with different styles in different periods.

It can be said that the existence of the Mole River has brought more vitality to the whole city.

It is worth mentioning that if you want to buy a good set of river-view super luxury houses on both sides of the river, the price will be at least 50,000 crowns, and there is no market for the price.

According to the annual salary of 240-260 crowns for normal workers, it only takes less than two hundred years without eating or drinking, which is simply a bully in the future.

Facts have proved that if ordinary people are not here when they are born, there is a high probability that they will not have a chance to live in it until they die.

As for East Göttinghagen, which is still in the preliminary construction area, the factories with the most chimneys are undoubtedly the most numerous, the dock area where a large number of international skilled workers gather, and the most commercial channels for trade with neighboring countries. The environment there is worse. , but it is definitely the top priority of the country's production industry.

The situation is completely different in the west of Göttinghagen, where it has seriously deviated from the city limits, covered with virgin forests, and several areas are more inclined to the original ecological natural environment.

There are many river bay towns over there, interspersed with huge traffic lines, and many airship companies and steam car companies are located in this area.

The vast runway is the best place for steam traffic beginners. If you are tired of staying in the city, it is also a good choice to go to the western region to relax.

Interestingly, according to the introduction of this travel guide, the closer to the power center, the higher the house price, and even some locations may not be able to buy even if you have money.

The Winster family, who just arrived in the capital today, took the intercity train all the way out of the station following the flow of people, and only then did they truly see what an international metropolis looks like.

As far as the eye can see, there are commercial buildings that were hard to see in the past.

Just a few tall buildings over 100 meters can be seen every short distance, and there are many well-known landmarks in this city.

For example, the luxurious and majestic Sillburg Palace, the fantastic and magnificent Catholic Cathedral, the Baroque Wedegg City Hall, the majestic Parliament Building, and the vibrant University of Göttinghagen.

From the perspective of power distribution, these well-known landmarks are compared with His Majesty the King, religious extraordinary forces, Your Excellency the Prime Minister, the House of Representatives, and the Göttinghagen School.

However, there should be quite a few underground forces like Brotherhood in this kind of city.

When Tufu came down from the central station, he used his hunter senses to investigate quietly. In that area alone, he felt several huge spiritual flows. There are definitely not a few extraordinary people in this city.

"When you have a chance, you must first unlock all areas of Göttinghagen by car."

Tu Fu secretly made a plan in his heart. Compared with a small city like Leeds, it is not an easy job to visit the whole city, and it will take a few months to fully cover it.

But since it's a big city, if someone eavesdrops on the conversations of some important figures from the surveillance, it's guaranteed to be prosperous immediately.

Except for the Fort Sill Palace, which is the pinnacle of power in the central city, which cannot be entered for a short time, other places are not difficult.

Of course, he has an extraordinary cloak that can shield his figure and breath.

But Tu Fu didn't dare to bet that the royal family's important place didn't have a strong superhuman to guard it. If he really rushed in rashly, he wouldn't know how to die.

After another bumpy ride on the intercity train, the Winster family arrived at a place in the south called Lance District.

Regarding the follow-up plan of this trip, fortunately, my uncle has already confirmed the plan, and he has already contacted the manager of a real estate company who came to Göttinghagen this time.

Before coming here, the family's future residence has been selected in advance.

"Get ready to cheer, kids, we're about to have a home of our own in Göttinghagen."

There was a gentle smile on Ethan's face, and he seemed to be full of infinite yearning for staying in this city in the future.

...

South Göttinghagen, Reims district, Baker Street 45.

On the day of arrival, under the leadership of a senior sales manager named Allen, Ethan took his wife and two children's future residence.

This area is also quite good. It is a distance from the central city, but it is also a relatively comfortable area in the south.

Even though this is not the main residential area of ​​nobles and bourgeois big merchants, it is still a good residential area in terms of security and environment.

Under the leadership of the manager, Tu Fu raised his head to look at this future new home.

It is also a re-examination house, with white wooden fences, red and white wall bricks covering the upper and lower floors respectively, and a Gothic spire on the pointed maroon roof, retro with a touch of trendy, similar ingenious design is not uncommon. few.

The area is only slightly smaller than the house in Leeds in the past, and it also has a nice small yard.

"Dingling~"

After ringing the doorbell, Manager Allen introduced the family into this double-storey house with an area of ​​120 square meters.

He brought people in and introduced the environment here.

On the first floor, there is a very nice large living room, a large light-filled dining room, a well-equipped kitchen, a master bedroom, a washroom and a basement, and there are parking spaces for private carriages or steam cars outside the yard.

Going upstairs, there are two bedrooms with their own bathrooms, a living room, a study room, and a window balcony facing north and south after opening the side window at the top of the stairs.

"Mr. Winster, I can guarantee that there is no more suitable house in Göttinghagen than here. The price of 10,000 kroner is not high for people who want to live in Göttinghagen, and this area will definitely There will be upside.

You see, there is a traffic station not far away, and there are schools, supermarkets, and hospitals around Lance District. The most important thing is that it is far away from the factory, so that the exhaust gas emission will not affect your health. "

"You're right, but 10,000 kroner is not a small amount. The funds in my hand must make us think carefully." Uncle Ethan was not dazed by the words.

With a professional smile on his face, the eloquent manager brags about the superiority of this place to customers, "It doesn't matter if you don't have enough funds.

Our company has always had a good relationship with the five major banks, and we can help you with the subsequent loan procedures. All you have to do is pay a 20% down payment. According to the annual interest rate of 5%, you will have 20 years to pay it off , such housing prices are at least promising compared to the residences in Moore River. "

"Twenty years?"

Manager Allen's words moved the shrewd Aunt An Fei'er even after hearing such an introduction, and she quickly calculated the deal.

Borrowing 8,000 crowns from the bank, with a down payment of 22,000 crowns, with an annual interest rate of 5%, and repaying in 20 years. Considering interest fluctuations or currency depreciation, the final cost of buying a house is about 18,000 crowns.

Converted to 800 crowns per year and 60-70 crowns per month, Ethan's current weekly salary plus bonus fluctuates at 15 crowns.

This actually means that excluding money other than the daily expenses of the family, Uncle Ethan's future wages will basically be remitted to the bank.

The advantage of doing this is that Mrs. Anfeier will temporarily keep 3,000 crowns of working capital in her hand. This money will be used to purchase the storefront and then operate the hot pot restaurant, costs, labor costs, early publicity, commercial water and electricity...

Once it starts to operate, it will burn a lot of money every day, not only to repay the mortgage but also to pay the rent of the hot pot restaurant. If this goes on, the Winster family will last for a year or two at most.

If there is a problem with the operation of the hot pot restaurant during this period, all the previous investment will be in vain.

In fact, there are also great risks.

"Mr. Allen, do people who come to Göttinghagen to buy a house choose to take a loan?"

After calculating an account carefully, Tu Fu suddenly asked the manager a question.

"That's not all. At least 80% of people will choose to buy a house with a loan. After all, this is the only good opportunity for ordinary people to use leverage in their lives." Manager Allen smiled,

"This will leave people with a certain amount of funds to improve their quality of life, and they may be able to make a steady profit when the currency depreciates in the future."

"Borrowing leverage has always been a very risky thing." Sophie calmly analyzed, "I heard that the banks in Landis seldom lend money to ordinary people."

"The lady's words reminded me of a joke widely circulated in the industry.

An old lady from Landis finally earned enough money to buy a house at the age of sixty, and an old lady from Baia at the same time finally paid off the mortgage on the house at the age of sixty.

At that time, she had lived in this house for decades. "

Manager Allen's words made several people present smile knowingly at the same time. Everyone likes to satirize the international joke next door like this.

Among the group, only Tu Fu felt uneasy. He didn't expect that the seeds of advanced loans in this era had been planted at some point. Behind this must be the Bayer government's frantic promotion of consumption and economic growth.

If the Baia Kingdom wins the future war against Lantis, it is not bad, then the investment in the early stage will be rewarded. Once defeated, the whole country will fall into hell, and it will not be able to breathe for at least a hundred years.

"I have to admit that I like this house and living in this city, Mr. Allen, why not follow your proposal."

Ethan's eyes suddenly became firm, "We decided to buy it with a loan."

"I believe this is the most correct choice in your life."

Allen, the experience in the sales office, nodded seriously. It seemed that it was not surprising that someone bought this house that was very good in all aspects and had a lot of room for appreciation in the future.

"Uncle, I don't really understand why we need to give priority to buying houses on such a road section, and why we don't need to rent a house more cheaply."

It wasn't until the sales manager left in the name of going through formalities that Tu Fu took the opportunity to raise his concerns.

"Do you also think that the house price in Göttinghagen itself is a worthy investment industry, do you want to use the future appreciation of the house to hedge the risk of running a hot pot restaurant?"

This is actually a good idea. Without sufficient financial resources to support the use of bank leverage, to obtain a longer capital cycle to operate additional businesses, but the risk is slightly higher.

The strategy of exchanging time for money is to pay off the mortgage and successfully operate the hot pot restaurant. The best result is that the working capital of the hot pot restaurant shortens the repayment cycle and becomes a stable channel for making money.

The worst plan is nothing more than a business failure, or a sharp drop in house prices, and my uncle will spend twenty years repaying the expenses.

However, Sophie and Tu Fu, who have already graduated from prestigious schools, have already taken over the burden of the family, which can reduce the risk a lot.

"Actually, I have no idea what you mean by risk hedging?"

Uncle Ethan gave him a completely different answer, and his eyes became deeper,

"After I came to this city, I was always at a loss, even at a loss, and I was full of awe here, until I knew that I had the ability to buy this house when I just talked to the manager, I suddenly felt a sense of security, even Start imagining the future of our family."

Tu Fu nodded and listened quietly to his uncle's words. In fact, he was in the same mood.

As Uncle Ethan walked in the house, he carefully touched the walls, tables, chairs, and windows of the house, and said to himself:

"I have been to Göttinghagen many times during my military service. The country at that time was almost the same as it is now. There are many people in the bustling city, people from various countries.

They are always busy, never stop to work hard to make money, and try to live in such a place with ambitions and dreams.

At least among the people I've met, most of them actually can't save any money after working for a full year.

They can only get further and further away from their original dreams, watching their golden age pass and gradually lose their work efficiency.

Then they'll be eliminated by younger, lower-paid breakouts, as ambitious as they've always been.

After finally losing their earning power, no matter how unwilling they are, they can only return to their hometown in despair. "

Ethan Winster shook his head and said seriously:

"Since then, I have figured it out. If you want to take root in Göttinghagen, you must have a house of your own."

ps: There was only one chapter yesterday, sorry, because it is a 4,000-word chapter, especially the beginning of the second volume is very laborious to write, so the update is a bit slow, don’t blame~