mijobooks Chapter 14 House Transfer
Chapter 14 House Transfer
Although the mortgage for the house had been settled and there was no need to go to the bank anymore, Mao Jun still made Mao Xiaoyu go to work every day to get haircuts. As for Mao Jun, he would sit at the cashier and collect money every day. This behavior made several of the master barbers in the barbershop wonder: Is Mao Jun now officially training Mao Xiaoyu?
Of course, even when the masters inquired indirectly, Mao Jun just laughed it off. It can be said that Mao Jun didn't reveal a word about Mao Xiaoyu's next arrangements.
Mao Xiaoyu has been shaving her head very diligently these past few days, working even harder than she usually does at the barbershop. As for why she does this...
The main reason is that, in Mao Xiaoyu's view, her parents bought her such an expensive house, so if she behaves better these past two days, at least she can put her parents at ease. After all, if she goes out to work and acts like a slacker, it will easily make her parents worry.
To be honest, Mao Xiaoyu's composure these past few days has really put Mao Jun and his wife at ease. At least in their eyes, their son is much more mature and steady than before.
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"Xiaoyu, you don't need to get a haircut at the barbershop tomorrow. The bank loan has been approved today, and I also called Dr. Tao last night and we've arranged to meet at the Housing Management Bureau at 9 a.m. tomorrow. So, come with me to the Housing Management Bureau tomorrow to get this sorted out. After all, you're the buyer, so you need to handle it yourself."
Three days passed. On the fourth day, on their way home from get off work, Mao Jun said to Mao Xiaoyu.
Hearing her father's words, Mao Xiaoyu was quite happy, but on the surface, she pretended not to care and simply asked, "Dad, if we go to the housing management bureau to transfer the property tomorrow, how many days does it usually take to get the property certificate?"
"Your house has no mortgage, which is different from the house we had a mortgage on before. Houses with mortgages need to be reviewed, and it usually takes one or two months to get the property certificate. As for the house we bought, since the original owner had the property certificate and there was no mortgage, this time we just went to exchange the certificate. I guess it will take about 7 days, at most no more than half a month."
Upon hearing Mao Xiaoyu's words, Mao Jun frowned and replied uncertainly, after all, he had never encountered such a thing before.
Hearing her father's words, Mao Xiaoyu nodded silently.
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Early the next morning, Mao Jun and his son didn't go to the store this time. Instead, they took their ID cards, copies of their ID cards, one-inch photos, and bank cards and headed straight for the Housing Management Bureau from home.
And because the housing management bureau was a bit far away this time, the Mao father and son took a taxi directly to the housing management bureau to avoid wasting time.
When the Mao father and son arrived at the housing management bureau, they saw Dr. Tao waiting for them at the entrance.
"Mr. Mao, hello, hello."
"Dr. Tao, hello, hello."
When Mao Jun met Dr. Tao, he greeted him warmly once again.
"please!"
And so, the three of them went into the housing management bureau and then to the housing management bureau's notary office to begin processing the property transfer procedures. However, before the property owner was transferred, Mao Jun had to sign a purchase contract with Dr. Tao.
Because this transaction requires 45 yuan, such a large sum of money cannot be paid in cash and must be transferred through a bank transfer. Therefore, this contract must be signed today to protect the interests of both parties.
The contract mainly contains three clauses. One of them is that the property certificate for the house is being changed today, and the owner has been transferred. Regarding the purchase funds, Mao Jun needs to transfer the money to Dr. Tao's bank account today. If Mao Jun does not transfer the money today, Dr. Tao has the right to go to the real estate notary office to request a halt to the transaction.
The second clause states that the house has not been involved in any major criminal incidents, and there are no outstanding loans, debts, or other economic disputes related to the house. If any of these disputes exist, the buyer can sue the seller and obtain corresponding compensation.
The third clause states that after the property transfer today, the original landlord, Dr. Tao, must transfer his household registration out within 6 days. If he fails to do so, he will compensate the buyer for his losses.
Dr. Tao did not object to the above three clauses at all, but agreed with them. In order to make it easier for Mao Xiaoyu to transfer the water and electricity accounts, Dr. Tao brought a copy of his ID card and gave it to Mao Jun. Once Mao Xiaoyu got the property certificate, she could use the copy of the original owner Dr. Tao's ID card to change the owner of the water and electricity accounts.
As for the water and electricity bills, since Dr. Tao hasn't lived here for a long time, there shouldn't be much water and electricity bill. Of course, Dr. Tao wasn't so sure. He just told Mao Jun that when Mao Jun went to the water and electricity account, if there was a lot of money, Mao Jun could call Dr. Tao to ask for the water and electricity bills. Hearing Dr. Tao say this, Mao Jun immediately said no problem.
Since the original landlord and the buyer had no problems, the transfer of the house was a natural process. However, when it came time to pay the deed tax, Mao Jun felt quite distressed. After all, the tax was 1.5%, which would cost six or seven thousand yuan. Not to mention the cost of the property certificate and the stamp duty, all the fees added up to a total of 7000 yuan.
Fortunately, aside from the slight heartache of paying the money, everything else went smoothly. It's fair to say that today's transaction was very pleasant, without any underhanded dealings. After all, Dr. Tao is still on a retirement pension and belongs to the high-income group. Moreover, as a department head, she also has a reputation to maintain, so she never even considered rigging the purchase of the house.
After working at the housing management notary office for more than three hours, the three of them finally finished all the procedures. In about 10 days, Mao Xiaoyu could come and pick up her green property ownership certificate. Then the three of them left the housing management bureau.
Because the banks were already closed at this time, and although large transfers could be made at ATMs, it was difficult and unreliable. In addition, it was already past 12 o'clock, and there was still more than an hour before the banks reopened at 1:30. So the three of them discussed it and decided to find a restaurant to eat first.
After finishing their meal, they found a branch of Mao Jun's loan bank and waited until 1:30 when the bank opened before transferring the money to Dr. Tao.
After the money was transferred, the three of them left the bank. After exchanging pleasantries, Dr. Tao handed the keys to Mao Xiaoyu, confirmed the handover of the house, and then they parted ways.
After all, in Dr. Tao's view, he had already received the money and the house had been transferred at the housing management bureau. Since things had already come to this point, it meant that the house would no longer have much to do with him.
Having the front door key myself wouldn't be of much use anymore. Besides, if the key is with me, and the other party gets the property certificate, I'll have to bring the key to open the door myself, which would be too much trouble.
It's better to hand over the keys now. Being homeless will put you at ease, and you won't need to go to open the door later, which will save you some trouble.
Because of this idea, Dr. Tao readily handed the keys to Mao Xiaoyu. After all, Dr. Tao now knew that the house was being sold to Mao Xiaoyu, and Mao Xiaoyu would be the owner. So handing the keys to Mao Xiaoyu was also a way of handing them over to the owner.
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"Let's go." Watching Dr. Tao leave, Mao Jun called out to Mao Xiaoyu.
"Dad, where are we now?" Mao Xiaoyu asked.
"Go back to the bank and I'll open a bank account for you." After saying this, Mao Jun returned to the bank where he had just transferred the money.
"Oh, I'm here." When Mao Xiaoyu heard that her father was going to open a bank account for her, she realized that she had just turned 18 and did not have her own bank card. So she agreed when she heard that her father was going to open a bank account for her.
Next, Mao Jun applied for a bank counter and started to open a bank account for Mao Xiaoyu. After the bank account was opened, he transferred 1 yuan directly to Mao Xiaoyu's bank account.
This startled Mao Xiaoyu. She didn't know why her father wanted to transfer 1 yuan to her, but they couldn't ask in the bank. So they finished opening the bank account first. When the father and son came out of the bank, Mao Xiaoyu quickly asked, "Dad, why did you transfer 1 yuan to me?"
"Isn't it normal to send you money? After all, you're my son. Besides, you're going out to start your own business, so you should have some capital. You've seen Dr. Tao's house recently. It's completely empty, without even a bed or a chair. Since you're going to be a landlord, at least provide a bed."
Also, you should definitely get the transportation you need. In any case, buy an electric scooter so we can feel more at ease when you come home every night. And you might not be able to earn much money at first, but with this 1 yuan, at least things will be a little easier at the beginning, right?
"Of course, if you feel you've given too much and don't feel comfortable receiving it, that's fine too. You can always pay us back the 10,000 yuan when you make money. After all, we owe over 100,000 yuan, and we still have to pay back the bank." Hearing his son's question, Mao Jun patted Mao Xiaoyu on the shoulder and said.
"Okay, I'll pay you back the 1 yuan once I've made some money. Consider this 1 yuan my start-up capital!"
Hearing her father's words, Mao Xiaoyu didn't argue. After all, the family's money was her own money. Besides, the house was empty and needed some things, but she didn't have any money. She had just been thinking about how to buy furniture and wondered if she should ask her parents for some money. Before she could even ask, her father had already given her the money. Since her parents had already considered it, she might as well accept the money. She could always give them more money to support them in the future.
"Alright, I've given you the money. I'm heading back now. As for you, go wherever you want, it's up to you. But remember to come back tonight!" With that, Mao Jun patted his son's shoulder again, then got on his electric scooter and rode off.
Watching her father leave, Mao Xiaoyu couldn't help but think about what she should do next. "Oh dear," she thought, "the first thing I should do is buy an electric scooter! Without a car, it's inconvenient to go anywhere; it's practically impossible to get around!"
However, if you're going to buy an electric scooter, there's no need to buy a brand new one. After all, a new electric scooter costs two or three thousand yuan, and more importantly, new electric scooters are easy to steal!
So Mao Xiaoyu thought about it and decided to buy an old electric car, which would cost about 500 to 1000 yuan. Although the old electric car wouldn't last two or three years, Mao Xiaoyu felt that after two or three years, she wouldn't need an electric car anymore and would have to drive a car. Since that was the case, the electric car would just be a transitional product, so buying an old electric car now would be a good compromise.
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Having set a goal, Mao Xiaoyu inquired along the way, looking for places that sold electric bikes. Sure enough, after walking for about twenty minutes, she actually found a place that sold electric bikes.
Of course, this store that sells electric bikes also sells motorcycles, but many places in big cities now restrict motorcycles, so this store has fewer motorcycles and more electric bikes.
"Boss, do you have any old electric bikes?" Mao Xiaoyu saw several people repairing bikes outside the shop. She looked at each person's clothes and finally walked up to the oldest and best-dressed man and asked.
"What do you need the old electric scooter for?" Upon hearing Mao Xiaoyu's question, the boss looked up and asked several times.
"What can I do with an electric scooter? Of course, I'll ride it. As for buying a used electric scooter, it's cheaper because new ones are too expensive. I can't afford them, so that's why I asked you if you have any used ones," Mao Xiaoyu quickly replied.
"The new cars aren't too expensive. The cheapest new car is only a few hundred yuan. You can buy an old electric car for a few hundred yuan too, so they're about the same price," the car dealer said.
"That's different. New cars are easy to steal, but old electric bikes are much better. After all, an old one isn't worth much money if it's stolen, and I don't feel bad if an old one is stolen. But if a new one is stolen after only a few days of ownership, I'd be heartbroken," Mao Xiaoyu explained.
"But our used ones aren't cheap either!" the car dealer said with a troubled expression.
"It has to be cheaper than a new one, right? Why don't you show me around and tell me the prices? If I think it's a good deal, I'll buy it; if I don't, I won't. What do you think, boss?" Mao Xiaoyu said modestly.
"Alright then, I've been getting my car repaired these past few days and have brought back quite a few cars. Ah Wen, come over and fix the car, I'll take this customer to have a look." The car dealer called out to one of his employees, and only after the employee came over to take over his work did he invite Mao Xiaoyu inside.
"Hmm, come and take a look... This one has a 48-volt battery, it'll cost 370, and we can replace the battery with a new one... This one has a 60-volt battery, it'll cost 490, and we can replace the battery with a new one again... This one also has a 60-volt battery, replacing the battery will cost 490, and we can replace the battery with a new one again... And our vehicles come with a six-month warranty. If any major problems arise within six months, you can come and have them handled by me," the shopkeeper said, leading Mao Xiaoyu to the back and pointing to a row of old vehicles, introducing them one by one.