Release of the fairyland blue bird, the witch said she couldn't stand it

Chapter 317 Buy! The Housing Boom!

As they were talking, someone in the group posted a picture of a property certificate with their name on it.

Seeing that her best friends were living in better conditions than her, the already unhappy gummy bear became even more resentful.

[Gummy Bear (Civil Service Exam Version): He's still here lecturing on and on about grand principles. What do you think? Should I divorce him?]

divorce?

[Not eating cilantro (striving to improve): Are you crazy? You've been taken advantage of, wouldn't getting a divorce now be a huge loss?]

[Gummy Bear (Civil Service Exam Version): No, it's just about getting the marriage certificate. I told you, you can't touch me until you give me a proper wedding.]

[Su Su, still half asleep (having seen the CEO version): That won't work either. Getting a marriage certificate is a much bigger issue than having a wedding. Once you get the certificate, it will be on your record when you divorce and remarry.]

[Creamy Mini Cream Puffs (Slightly Chubby Version): Since we've already tied the knot, you have to ask for something in return before we separate, right?]

[Not eating cilantro (the diligent version): Here's our move. He's being reasonable, right? Let's reason with him!]

Sanzang saw that Little Gummy Bear, who was already at a disadvantage, suddenly took out his phone and fiddled with it.

I don't know what happened after that.

He suddenly put down his phone and struck a confident pose.

"Okay, Ah Niu, you say this house has the best value for money, but what I want to ask is, besides being cheap, what other advantages does it have?"

Ah Niu scratched his head:

"The biggest advantage is that it's cheap, right? That three-bedroom, two-living-room apartment you like, no matter how you look at it, will have a lot of wasted space, won't it?"

How far is it from here to your company?

"This"

Ah Niu was taken aback. From here, it would take at least an hour to get there.

"If we lived in that neighborhood, it would only take about ten minutes to get there, right?"

"You're right, but I can get up early."

"Even if you can get up early, isn't that time cost you're wasting? You waste three hours a day commuting, that's 1095 hours a year, and over 10,000 hours in ten years! What about a hundred years? A thousand years? How much time will you waste on the road?"

Ah Niu stroked his chin.

That's right.

If you think about it that way, buying this house really isn't a good idea, since he plans to live here for the rest of his life.

Seeing Ah Niu's hesitation, the candy continued its efforts:

"Furthermore, the neighborhood is in poor condition and the soundproofing is terrible. How am I supposed to concentrate on studying and applying to Wan San Group? Although you bought the house, it's our shared home. Can you please stop being so selfish?"

Why does this sound so strange?

But Ah Niu didn't think much of it, because as a senior executive of the company, his time was indeed "valuable" and he couldn't waste it on commuting.

"Okay, let's go back to the city center and pick out an apartment. Are you satisfied now?"

"That's more like it, I want the same set!"

"oops!"

Ah Niu looked helpless and was about to continue emphasizing that the houses in that community were not originally intended for ordinary people.

But what the candy said next struck a chord with him.

"You're a member of the company's management, are you willing to live in the same neighborhood as those ordinary cultivators?"

"This"

"If you live in an upscale neighborhood, the cultivators around you are most likely people with status and influence, such as company executives or sect elders. They might even have higher status than you. If you can establish connections with them, wouldn't that be a great help to your career?"

"Including our children."

The gummy bear became more and more confident as it spoke:
"Living in an upscale neighborhood, do I need to tell you what kind of people your peers are like?"

"What our children will achieve in the future depends entirely on the environment in which they grow up. If they are born in an upscale neighborhood, their future friends will either be the young master of a sect or a disciple of a powerful clan."

The gummy bears then listed the advantages of each upscale residential community.

Ah Niu's thinking also began to slowly change.

indeed.

Buying a house is not for myself.

It is not about my own home, but about having a partner and children.

The added value of upscale residential communities may not be visible, but it is real.

Most importantly.

You can live in the house indefinitely, and living in a high-end community allows you to enjoy a variety of hidden benefits without limit.

“But my current savings aren’t enough for a high-end neighborhood, not even a fifth of it.”

"It's ok!"

Seeing that the time was ripe, the invisible man, Sanzang, finally spoke:

"We currently have a partnership with Wan San Bank, which offers up to three years of interest-free loans. If you are a senior executive at a company, you can borrow up to ten million spirit stones!"

"so much?"

When Ah Niu heard that his credit limit was so high, he was stunned.

He usually buries himself in his work at the company and doesn't care much about anything else.

Seeing this, Sanzang pulled a form out of his briefcase:
"Jiuyu Real Estate Repayment Plan (Executive Special Edition)"

Loan amount: 800 million spirit stones (down payment of 160 million, loan of 640 million)
Repayment period: 300 years (can be extended to 500 years upon application) Interest rate: 3.85% (interest subsidy from 0.03% Group for the first 30 years)

Option A: Equal principal and interest payments.

Monthly payment: 2.1 spirit stones (including property management fees).

Total interest: Approximately 356 million spirit stones.

Special note: Starting from the 31st year, the monthly payment will decrease to 1.3.

Option B: Interest first, then principal.

Monthly payment for the first 100 years: 1.02 (interest only).

Monthly payment from the 101st year onwards: 4.8 (principal and interest repaid together).

Total interest: Approximately 612 million spirit stones (Note: Suitable for clients who expect a promotion in the near future)

Ah Niu frowned as he stared at the number "monthly payment of 2.1".

"How long will this take?"

"Fellow Daoist, please look here."

Sanzang's fingertip traced a line of small print:

"If you repay early, the penalty is only 0.5%."

The gummy bear suddenly pulled over the table:

“Choose Option A! I’ve calculated it. Your monthly housing provident fund can cover 1.2, so you only need to pay 9000 spirit stones.”

Yup!

Housing provident fund!
Ah Niu immediately got excited.

"Besides the three-bedroom, two-living-room apartment we just mentioned, are there any other better options? I want to get everything I need right away!"

A big order has arrived!

San Zang's expression changed drastically:
"Sir, your decision is absolutely brilliant!"

“Better standards? Yes, sir. Of course, Jingxin City has more than one such high-quality community.”

finally.

Under the gummy bear's joyful expression.

Ah Niu spent all his savings and took out a loan of 9.6 million yuan, which he will repay in installments over 800 years.

I bought a two-story duplex apartment. And because all my girlfriends' husbands put the houses in their wives' names.

After much pleading and cajoling, Ah Niu finally put Little Gummy Bear's real name on the property certificate.

Actually, normally speaking...

The homeowner on the property certificate can only be the person with the mortgage, their immediate family member, or a legally married couple who have already registered their marriage.

Gummy bears perfectly satisfy the last requirement.

soon.

The two then went through a series of procedures.

The rooms are all fully furnished and ready to move in.

They quickly posted pictures and captions on their Douyin accounts:

Ah Niu's version:
From now on, one of the lights in every home will belong to us, the two of us, sharing three meals a day and four seasons.

What does a little hardship and toil matter when it comes to your child?

This is what it means to be a man's responsibility and commitment!

Gummy Bear Version:
The house may be rented, but life isn't!

Thank you to someone who finally got it (I'm so touched)

From "one room is enough" to "a duplex in one go".

From "DIY Renovation" to "Black Swan Event: Fully Furnished Delivery".

Love isn't just about empty words and promises of a bright future; it's about a responsibility written in black and white in a marriage certificate!

[@Ah Niu, please guide me for the rest of my life~]

After posting, Little Gummy Bear set the post to be visible only to Ah Niu.

Then another version of Ah Niu's video was posted, which was not visible:
Sisters!! Today we have to flaunt our wealth!! (Showing off property deeds.jpg)

While some effeminate male and female cultivators are still lamenting over "remote one-bedroom apartments," I've directly secured a two-story spiritual vein view apartment in the core area!

Do you know why? Because I had the perseverance to pass the civil service exam on my own!

Pinned comment:
[Hehe, I see some people of certain genders are getting anxious in the comments section? By the way, my property management fees are equivalent to half a year's salary for some people~]

What Ah Niu didn't know was...

The post he just made was pushed to Didi Chuxing employees by big data analysis.

soon.

The news that Manager Niu had spent millions of spirit stones to buy a two-story building quickly spread throughout the company.

Some people even sent whistleblower letters.

Report Manager Niu for corruption!
Otherwise, how could he afford a duplex apartment worth tens of millions with his salary?

While the two were enjoying the joy of moving into their new home, they were completely unaware that dozens of complaint letters had accumulated within Didi Taxi.

A formal complaint letter alleging that Manager Niu is involved in corruption.

Whistleblower:
Employees of the Didi Taxi Business Unit of Wansan Group (collective signature)

The accused:

Manager Niu (Employee ID: DT-XXXXX)

Reported items:

He is suspected of abusing his position to illegally amass wealth, with a huge amount of assets of unknown origin.

1. Income and assets are significantly mismatched:

Manager Niu's position is Regional Operations Manager for Didi Taxi, and his publicly disclosed salary is 3-4 Spirit Stones per month (including performance bonus).

However, his recent purchase of a duplex apartment in Jingxincheng for tens of millions of yuan in cash (see photos posted on Douyin and transaction records on Jiuyu Real Estate) clearly exceeds the scope of his legal income.

2. Abnormal conduct in the course of duty:
Manager Niu has recently been frequently approving "high-premium partner orders" (Attachment 1: settlement statement of partner "Jifeng Logistics"), and has repeatedly rejected audit requests from other departments.

The cost of the mountain and sea transport capacity scheduling project he was in charge of surged by 30%, but there was no reasonable explanation.

Appeal:

We request the Group's Compliance Department to thoroughly investigate the sources of assets under the names of Manager Niu and his partner, including but not limited to:
Real estate purchase fund flow.

Records of financial transactions with partners.

Whether or not "rebates" were received or expenses were falsely reported.

Suspend Manager Niu's duties and authority to prevent the destruction of evidence.

The investigation results will be made public to protect the group's reputation and safeguard its corporate image.

List of evidence:

Manager Niu's Douyin video showing off his house (screen recording)

Abnormal partner order numbers (DT-2025-XXX to XXX)

The whistleblower promised to cooperate with the investigation and assume responsibility, but requested that the group strictly keep the whistleblower's information confidential to avoid retaliation.

Sincerely,

Didi Group Inspectorate.

If there is any internal favoritism or cover-up, we will jointly report it to the Wansan Group!

The next day.

Ah Niu, who was riding high on his success, was summoned for a talk by the audit department as soon as he arrived at the company.

Fortunately, he was honest and kind, and he didn't accept even a single spirit stone from the supplier. He also showed his loan certificate, indicating that the house was bought with a loan.

Otherwise it’s really hard to explain.

Even so, rumors still occasionally circulate within the company.

This made Ah Niu a little flustered.

I'm currently burdened with a multi-million dollar mortgage, so I absolutely can't afford to lose my job at a time like this!
There are many couples like Ah Niu and Little Bear Gummy who buy houses and post them on Douyin (TikTok).

In addition, Jiang Chen intentionally or unintentionally promoted the stream through the backend.

Many people have realized that "showing off property ownership certificates" now generates traffic; it's a traffic-generating strategy.

As a result, a large number of "homebuyers" emerged on Douyin.

Some of them are genuine, while others are paid trolls.

This creates the impression that many people feel like everyone around them has bought a house overnight.

Buying commercial housing has become a trend just like buying fast cars.

Take this opportunity.

Wan San Group has also launched sales for its properties in other areas.

Meanwhile, the real estate projects jointly developed by 89 sects and Wan Sanliu Bureau have also started construction one after another.

This has led to the creation of a large number of related positions.

For example, it has boosted the property management, security, and sales industries, and also driven a large number of decoration and furniture industries.

The Spirit Continent has officially ushered in the golden age of the real estate industry, and countless sects, large and small, have entered the fray.

Seeing everyone's reaction, Jiang Chen's face also showed a relieved expression.

“Excellent! The more prosperous the economy, the more stable the Spirit Continent will be. As everyone earns spirit stones, the Spirit Continent will get better and better.”

"However, relying solely on the real estate sector is not enough to achieve long-term stability. After all, the population is currently limited. Without a short-term increase in the birth rate, the development of other industries must go hand in hand, especially the cultural, sports, and tourism industries."

"correct."

Jiang Chen beckoned Huang Wansan over:

"I'll give you a batch of computers. Turn the ninth floor of Paradise Land, which has been idle for a long time, into an e-sports floor. Now that everyone's life is getting better, it's time to put the dungeon on the market."

(End of this chapter)