After carefully reading the whole clause, for the whole interest-free loan some steps are clear, this interest-free loan, a total of two repayment models, fixed annual repayment and monthly fixed repayment two different methods, in these two methods, there are many rules.

These two methods of repayment, if fundamentally different, is the number of points, after a little hesitation, the small rain quickly made a choice, to monthly repayment of 60, divided into 50 months of repayment, that is, a little more than two years time.

50, in the past, this is a very large number, I am afraid that their family, a year of fixed income, there are no 50 straight two, not to mention the deposit, the promotion of the small people, a year down, can save 5 times of savings, has been good.

After the Navy, it is completely different, the first month is 40 yuan of income, after, with the gradual improvement of technical indicators, his job and salary continuous adjustment, now, can not be said to ignore the wealth of 50, but 50 yuan wealth, will not affect his daily work, 190 through and 140 lines of income, in the Navy level, the impact is not large, can live a very good life, even in the future, after the big girl came, the same.

In order to complete the whole formality, you need to sign a lot of forms, complete the signing and filling out the problem, he successfully signed, is a 1500-sover application, since the application, it is necessary to apply, he not only has a very good house, but also can buy a complete list of all the items, count down, about 1200, you can, the rest, see the situation, if you can not go out, you can go back.

This kind of interest-free single, not only the repayment method is divided into monthly repayment and annual repayment, if you want to repay in advance, it is also possible, as long as the gradual adjustment of the later, which is greatly convenient for the applicant.

After signing the document, there should be bank approval and loan procedures, but as the factory staff Xu Ming knows that such a document, is for these Northern Song workers and exists, the original strict bank loan procedures, here, everything from Jane, as long as the real will, signed documents, as long as it is sent to the bank, the money can be down.

Approval procedures, will be put down after the money put down, only to make a record and add on it, anyway, there is a government pocket, not afraid of any twists and turns.

After getting the documents, Xu Ming handed over the building structure, so that the small rain slowly choose, 12 houses, each 3-6 units, a total of 51 units, according to a unit of 12 households to calculate, a total of 612 households.

Take the light rain, not all, with the status of small rain, of course, it is impossible to pick all, after all, more than 600 households, a person all pick, waste too much time.

In the fixed navy, even if it is no matter how high the ranking, it is impossible to choose all the houses, according to the level and score, divided into several grades, each person can only choose dozens of houses at most, similar to the standard of Xu Ming to Xiaoyu, which is already quite good.

In the building structure given by Xu Ming, the floors that Can be selected by Xiaoyu are below the 4th floor, and the high floors such as the sixth and seventh floors are subtracted, which is due to the identity of the small rain itself, and the additional points of the dispatch personnel.

In the selection of the score evaluation, the technical level is an important aspect, occupy a relatively large score, and then the job, which is the general scoring standard of workers in the daily chemical factory, if according to this scoring standard, Xiaoyu can not pick such a good floor, it is impossible to completely shield the fifth and sixth floor, there will be a part.

Compared with other workers, the small rain more than a Northern Song sent workers this one, which is in the set of naval policy, simply joined in, this score is not very high, but on the basis of the original, the increase out of thin air, equal to the hand, the level of the mechanic and work level of the small rain, to upgrade a grade.

In such a small factory as the daily chemical plant, or a relatively simple daily necessities factory, its absolute technical grade is relatively low, the small rain to enhance a grade, is equivalent to entering the first third of the middle, although not the top part, but also quite powerful.

From an ordinary worker, into the middle level, you can choose a better house, 30 sets regardless of which set, are quite good.

After a serious look at the rain, he took the initiative to give up the second floor.The grade of the rain, it is good to be able to choose the second floor, but what he can choose is the small set on the second floor.

In the fixed navy, the average house, are more than 100 square meters, the big is 180, or even 200 square meters, after all, the Navy encourages fertility, the average family will have more than 4 children, really too small house is not enough.

For young people who have just worked or even married, leaving home for the first time, a house of less than 100 squares is already a very good choice.

In this way, the household structure can complement each other, otherwise, two large sets of more than 180 square meters, each unit is so, the overall beauty, will not be particularly good, and even ugly.

Appropriately matched some, and reasonable configuration, with the overall shape, weaken the shape of the individual, this is the standard of the Navy, in the above, divided into the grade, reasonable combination.

100 square meters of house, the first floor or the second floor, in terms of the greening of the Navy residence, quite good, it can be said to be immersed in green and floral, the living environment is very good, but this is not a choice of small rain, for the small rain want to settle here, that is absolutely not enough, he went back this time, is to marry the big girl, it is impossible to let him live in a narrow room.

100 square, but 500, for him, three months of salary, now there are about 1500 loans, why do you have to buy such a small house, a little bigger is better.

Even if there is no child relationship, it does not need a big house, and it takes 140 square to 150 square meters.

These houses belong to large sets, the qualifications of small rain, there is no way to buy a house with such a large floor and a low floor, then you can only choose a higher one.

The largest house on the third floor is 156 square meters, the largest house on the 4th floor is 188 square house, after careful consideration, Xiaoyu or chose the 4th floor, large is an aspect, with interest-free loans, Xiaoyu does not care about the price of the price, hesitates in the third and fourth floors, just consider the problem of floor height.

Perhaps, in the Northern Song, the height of several floors, for the bungalow-based main house, relatively high, but to the Navy, the initial time, he lived in the dormitory, but lived for more than a month on the 7th floor, and then came to the family area of the Japanese chemical factory, but also the higher floor, for young people, the height of the 4th floor is enough.

As for the price, he is the least worried, the recent exchange with the workers, set the Navy house, the price is relatively stable, the official price is 5 square meters, the enterprise self-built house will be slightly lower, but not much lower, at most a square meter less than a few hundred articles, the total number of reduced a lot, but in the unit price above, it is not much reduction.

In fact, behind this house, there was a price, 4 through 450, and he eventually, selected, was the 188.3-square house, located on the east side of the sunrise.

The total price of this house, calculated according to the back, should be more than 830, less than 840 straight looks, only a little more than half of the 1500 loans, the rest, can be used to buy some furniture and necessities, daily appliances and the like, so that you can live.

After the small rain signed the house, on the above the documents of this house, signed his signature, he got the key, which made him very surprised, because in his opinion, the money is not in place, why to give the key, according to his understanding of the Navy, the procedure is correct and very important, some obviously correct things, if there is a problem in the program, will also be stopped.

When Xiaoyu raised this question, he was explained by Xu Ming with a smile, according to his statement, the house has been built, after the selection, you can live in, as for the follow-up procedures, when the bank's funds are in place, you can directly allocate to the account, and then the remaining, will enter the account of the small rain.

At this time, it occurred to me that the problem of the account, which is also the account of the bank, when he first came, there was no account, when he first arrived, he did not think about it, in the bank to open an account, or to handle a passbook problem.

The first salary, he also took 40 lines of cash, everywhere to celebrate, lost Shenyang security conditions, very good, in general, will not be a problem, but weighing 50 pounds of cash, or let him very hard, at that time is excited to not find the north, with such a heavy cash, ran to the South City Square, almost a few hours.

The next day, it was retribution, so holding such a heavy thing, such a messy run, the arms are sore and sour, rested for a night, has not yet fully recovered, to work, and physical labor, almost there is a problem.

Later, with the rise in wages, especially in the last month, when the salary was paid, it was 190, 50 pounds of things, he could still take it up, more than 200 pounds, and it might be possible to move, but if you want to take it away, it is really not easy.

Even if you take 40 at a time, you may have to come five or six times, so it is very inconvenient, at the same time, under the premise of more time in the Navy, the stronger the trust of the fixed navy, the workers have bank accounts, wages are put into the card, need to take it out again, convenient.

Or easy to account, with the account, the salary can directly into the card, and then to the bank, take out the cash, how much is needed, how much, it is not difficult, but save those who get the cash of heavy physical labor, although this is a sweet labor.

From Xu Ming's office came out, the small rain was still a little faint, only the key inside the hand, told him that everything was real, holding the key, hesitated, itself, it was so cold outside, he wanted to go home, the dormitory was not in the factory, but very close, but with the desire of his own house, or let him finally shift his footsteps, to the row of new buildings.

Working in the factory, this previously surrounded the site, of course, Xiaoyu knew that this is a house built for the daily chemical factory.

This is a new construction site, countless times have been looking forward to, here will have a house of their own, but his house, the real time of their own, or some surprise, he did nothing, to the 19-year-old has not married the street mix, finally have their own home.

Even if this is saddled with 1500 yuan of debt, but for the current small rain, it is a problem, not to say the future, he continues to upgrade, even if it is now his moon, 155 pass, 1500 pass, but only 10 months of kung fu, and even buy this house, and the house is renovated, the successful use of it, can not finish 1500, it is a problem.

The Navy is not without, spend 1500 through the method, if it is the pursuit of luxury, the pursuit of relatively high enjoyment, not to mention 1500, even if it is 15,000, or even more, it is possible to spend, not to mention, precious trees made of furniture, some high-quality electrical appliances, these things are very rare, several are really expensive, but their role is very large.

Xiaoyu is not a person who spends a lot of money, even if it is for the big girl, it is more luxurious, and even buys a house, but he will only buy the necessary items, not luxury, and now he has not yet reached the level of luxury.

As long as he is willing to take root, in the serious development of the Navy, level 4 is not a problem, according to the current progress, up to 2 months, before the end of the holiday, he may be able to reach, as for level 5, he temporarily has no bottom, but according to his knowledge structure, there is a fixed naval upgrade speed, up to 5 months, that is to say, in the time of his arrival in the Navy or so, he can reach level 5.

What is the concept of level 5, relative to level 3, the moon to double, the most important thing is that there are still a lot of subsidies and grade wages, so that the overall income will be more than 400, when the time, 1500 pass, really is not a big problem, that is, four or five months of salary.

Outside the cold wind, a wind blowing, let the small rain can not help but beat a chill, he pulled the coat, discerning the direction, towards the back, the residential area slowly away, he wanted to see what his house was like.