Interest-Free Loan
Chapter 963:Interest-Free Loan
In my heart, I thought so, Xiaoyu is also very curious, the Navy's so-called interest-free loan, in the end, what is the matter, took Xu Ming handed over the document, the top is a form, mainly to fill in some basic information and the like, such documents, he signed a lot, for example, in the 123-level workers qualification, to fill in the application form, and then the final certificate, will basically follow his fill in the information, issued to him.
This form, not to mention, Li Xiaoyu directly turned the form, directly looked at the red-headed document below, marked red head above, and seals, which were signed by the Ministry of Industry of China and the CBRC, which are very consistent with the regulations and have a strong legal effect.
Looking at the small rain picked up the document, Xu Ming's face showed a smile, the terms of this interest-free loan are very good, and there are not many restrictions, if not only for the Northern Song labor, he wants to apply, for Shenyang residents, the loan has long been very familiar things, but all aspects of the formalities, relatively strict, the average person, that is, when buying bulk goods, for example, the house will use this loan.
This document is not specifically for the light rain issued, even if the small rain is currently, is the first worker sent by the Northern Song Dynasty workers, there is no qualification, this document is for all the dispatched workers, but also set the Navy, for these Northern Song sent personnel serial routine.
Yes, making money may not be able to put people in a lock, many people, even if they have a very good life in the big city, it is very profitable, once there is a certain dissatisfaction, or other emotions, it is very likely to leave, such a lock-up method is not very stable, even if it is smooth sailing, to people to middle age, or old age, will be left to the roots.
Zhao Xin considered that things are very comprehensive, if you can, will give everything to the prison, to the prison, you can use another way, it is very stable, real estate and debt.
Yes, the future of the real estate tide, locked up a lot of slaves, but also their death tied to the north of the vast, not to mention escape, even if the work is a little unstable, will let a stable family into the desperate situation, have to honestly engage in work, and even sometimes, in the face of the boss's dissatisfaction and work dissatisfaction, will not easily quit their jobs, not to mention leave.
The reason is very simple, sometimes, in the face of unequal treatment, many people will blurt out, resignation is just a word of things, but after the resignation, how to give mortgages and car loans after resignation, thousands of mortgages and car loans every month, has always been a heavy burden, pressure on everyone's body, to work, so that you can afford to have the bank's money.
It is from here that the inspiration that guides this one-time project, high wages are only one aspect, and the means of the next serial are almost endless.
For immigrants, the Navy is welcome, first of all, do not set any conditions, as long as you are willing to join the fixed navy, you can register the household registration, as long as you register, you will become a new resident of the Navy, and the welfare treatment, it is the same as the Navy, while the immigrants can get 800 to 1500 interest-free loans, for the purchase of some necessities, especially the house.
If it is a family unit, everyone can get about 800 straight, at the same time, in the family unit, you can get 1000 lines of low-interest loans, that is, in the family unit, to join the Navy, the total number of interest-free loans, can be thousands of.
This money, absolutely not small, although the price of the Navy is not low, but with the Liang up, a little higher, but more comfortable, because all kinds of materials are very rich, as long as you want, you can buy, at the same time, there are a lot of innovative things, these things are very convenient for people's lives.
The first batch of these personnel who were sent to the Navy, some of them are problematic, similar to the small rain of many people, but more people can not live, they are eager to change their lives, live a dignified life.
This idea, after reaching Shenyang, can be reached, as long as you work hard, you can get a salary, live a more decent life, and even in the future, the family arrived, you can also live very well.
Then, if you want to stay, housing is the first, even if there is no loan, if these people can accumulate enough funds, they will buy real estate.
Real estate, in the future, that is the pillar industry, real estate soared, various local governments, but also real estate as a life-saving straw, land purchase income, support how much local finance.
This point, in the fixed navy, does not exist, because of the large-scale construction of housing relations, the price of the house is not very expensive, even in the Navy, the land resources are less, Zhao Xin did not put the mind on the real estate, which is the easiest means to get the money back in the hands of workers, but has seen the future of speculation, let Zhao Xin understand that the house is used to live, rather than used to fry.
In the fixed navy, there are a series of solutions, such as low-cost rental housing, public rental housing, but because the people have a shelf relationship, or buy a house mostly,
The price of the house is not expensive, the current price per square meter is about 5, which refers to the complete construction, and decoration, can directly enter the house, that is, a three-bedroom, 150 square house, that is, 750 straight.
It doesn't sound cheap, in the Northern Song Dynasty, you can buy dozens of acres of land, even in the liang, you can buy a small house, but this is the Navy, this is the building.
In principle, a bachelor can rely on interest-free loans, get a house, and have simple household utensils, for the fixed navy to take root, at least under the premise of a first-level mechanic, there will be about 800 income per year, eliminating food, enough to save a house money.
Of course, the Navy, let the people live in peace, the house is not for the benefit, is to live, under the premise of setting the Navy home, generally three generations, 150 square meters, almost enough, 4 rooms and 2 halls, with 4 master bedrooms, can live 6 to 8 people.
Of course, this is a relatively small apartment, after all, in the fixed navy, a family of two, with four children, but the most ordinary, more than 8 have, if the grandfather and grandson of three generations, such a room is not enough.
Of course, if you spread the leaves, you can choose other houses, buy a house, is not a difficult thing, half a year's salary, some high-tech jobs, may be a month's salary, you can afford a house.
The general mid-grade is 180 square meters and 220 square meters, a little larger, and even 280 square meters and 400 square meters of large flats, which is the extension of the large family housing.
The Navy, in order to get rid of the clan forces, has always been more focused, so similar to a village, even a large clan, it is impossible, generally only one family in the direct line.
But even if it is a direct line, the ancestors of the three generations, grandparents, parents, and children, the married brothers must be divided out, then, at most, there may be a dozen, this is the place of these houses.
Of course, this time the residential building of the daily chemical factory does not exist so large square, this main for young workers, there is no house, there are no many large families, large families, will not choose in the factory area, the largest is 220 square, the smallest and even more than 90 square.
After Xu Ming handed the small rain file, he was quietly waiting, in the room, there was not a word, and there was only the sound of the small rain flipping through the documents.
“I want to be naturalized!”After reading the whole document, after several months of training, especially in class, Xiaoyu not only learned a lot, about the mechanic, about the knowledge of industry, the same, add a lot of cultural knowledge, the Navy, for the requirements of the mechanic, not just a manipulation of a variety of machinery, for the comprehensive and pioneering, have high requirements, in such a requirement, we must master the common Chinese characters.
Before the rain, the mastery of the in-depth, now, in the serious study of specialization, the master is better, you can read most of the documents very smoothly, including some professional.
The Navy's documentation system is simple and clear, not so many words, but save a lot of aspects, mainly in terms of data, very simple and clear, plus some charts at a glance.
According to the level of the rain, he can complete the loan, that is to say, 1500, this money, not only to buy a house, there is no problem, even if everything in the family, are matched, there is no problem.
However, there is a prerequisite for all this, that is, naturalization, only after naturalization, can participate in this loan, at the same time, this interest-free loan can only buy all things related to the house, or the goods of the Navy, can not be directly returned with cash.
This, of course, is to limit some, although hundreds of thousands of passes, thousands of miles, for the Navy, it is nothing, and even these tens of thousands of people, all took the loan, it does not matter, this money is not much, but if these people take the loan, they will run to the Northern Song and do not come back, it will be troublesome, not to say the loss of money, but the loss of people.
The Navy, do not care about this money, but this money, fell to the Northern Song people here, but not a small number, even if it is the smallest 800, the entire Navy sent workers, half a year, can accumulate so much, even if it is the best light rain, in the end to the total amount of money is less than this money.
800 pass, enough for the price of dozens of acres of good fields, this money is really a lot, really no limit, let them take back, there is a short-sighted, take this money, go back to the local owner, even as a farmer, perhaps will have a chain reaction.
The fixed navy will certainly take this money out, will certainly consider that there will be a deficit, and even this money, and there is not yet up to the situation, but such a completely meaningless waste, certainly not.
Supervision, mainly real estate and family necessities, these things, can take away the limited, there is a saying that no betrayal, because the cost is not enough.
800 runs, may make these people take risks, but most of them can't move real estate, at most can bring some small things back, perhaps the price is expensive, a few, or even a dozen, for the general 60 or even more than 70 times of monthly salary of these dispatched workers, there is no need for this.
Xu Ming thought that the small rain was due to the hesitation of naturalization, and he began to explain, but in the end, he found that the small rain was because of naturalization, but not because of worry, but because of happiness.
Yes, from the first month of the upgrade of the salary, Xiaoyu has been ready to take root in Shenyang, back to the Liangliang, what, the past memories, or something else.
Perhaps, from Shenyang to work for two or three years, make a sum of money, and then return to the liang, buy dozens of acres of hundreds of acres of land.
The price of Liangtian near the Liangliang, in the official document of the official government, is 2.8, but it is the price of high-volume official sales, which is not a normal market price at all, and the person who can be qualified to buy is, not the big family, or the big official.
Think about it, according to the price of a stone rice 700, an acre of good field is only equivalent to 4 stone rice, less than one year of production, more than 2 years, this may be possible?
In general, the land price of the normal transaction, the dry field is more than 4 times, and the field is as high as 15 times, but if there is a 2,000-series deposit, you can also buy more than 100 acres of land.
However, even if there is 100 acres of land, and what can be done, a year's harvest, deducting the cost of long-term work, that is, to make the family food and clothing worry-free, which was once the biggest pursuit of small rain, but after Shenyang, his desire, his pursuit changed.
100 acres of land, each acre is yielding 3 stone rice, regardless of the relationship between planting and cost, an acre of land can earn about 2, so down, the annual income in 200, plus two seasons a year, and other miscellaneous income, the limit of income in about 300.
In fact, far from so little, even if it is reduced, in order to long-term workers' expenses, at least 100 times earlier, the planting is a force, there are not enough workers, the output can not be so high.
At the same time, in the harvest season and the season of green and yellow, the price of food is not the same, the reduction in bulk sales, 300 runs, can finally reach 150 is already good.
If this money, when placed in the liang, will make the small rain laugh and wake up, he once wanted to pursue the day, is not so, food and clothing, there is a lot of land, really did a landlord.
But in Shenyang, placed in the Navy, last month, his monthly salary was 155, the full service award was 5 times, the job allowance and the post allowance were 20, plus the speech and some other additional income, has exceeded 190 times.
Even if you don't have to buy land, even if you don't have to grab money, you don't have to wait until two or three years later, even now, he can get close to 200 yuan of income, not to mention, when the 4th level, 5 level workers have passed the exam, his income may be more than 200, or even more than 300, that is in the Northern Song Dynasty, it is impossible to think of, but now, these money, has been regarded as a very small part of the money.
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