There was a moment of silence.
The three female employees seemed to be thinking their own way when they heard me.
Assistant manager Hong raised his head first.
"Are you sure you're lending me 300 million?”
"Yes, you don't have to. I'm just trying to give you something because house prices keep going up."
"I've always thought about living in the Sangam-dong World Cup complex. Among my college classmates, his father has a search building and he lives in the World Cup complex in Sangam-dong.”
"Really?"
"They're rich. My dad owns the building above the Creator.”
"You must have been close."
"We're not close. He didn't like candles very much. But if it's Sangam-dong World Cup complex, it's not far from Eungam-dong, where my parents live, and it's better to come to Yeouido..."
"But what's the reason?"
"If I get married, won't the men buy a house?"
"House prices keep going up, so it's profitable to have them for years and sell them back, and if you're married, you can pay monthly rent.”
"Wall?"
Hong's eyes glistened.
Assistant manager Choi Yu-na said.
"I give up. Thank you for the increase in shares now, but it would be too awkward to get a loan. I don't know much about the Korean economy yet, but I agree that real estate prices are going up."
"Yes, go ahead. If it's your intention, I don't recommend it anymore."
I don`t know how long I live here because I`m a foreigner, but I think it`s better to buy Kim Hyung-sook or Hong Ji-young. No, I'd like to ask you to buy it.”
I nodded.
Then he looked in the face of Assistant Manager Kim Hyung-sook.
"I had an apartment I really wanted to buy if I had 300 million won. But I didn't have 300 million won, so I had to watch the apartment prices go up. I appreciate your consideration."
"Well, you don't have to thank me that much."
"No. Which job would you do that for? In fact, even if we get 300 million won a year, we can afford the interest."
"But where is the apartment you really want to buy?"
"Well, that's..."
Assistant Manager Kim Hyung-sook glanced at Hong and Choi's faces and tried to speak.
I know Assistant Manager Kim Hyung-sook wants to buy a house, but she doesn't have any money.
It is assumed that the townhouses in Siheung-dong, Geumcheon-gu, are either rented or rented monthly.
Assistant manager Kim seemed to want to buy an apartment.
Well, if you live in an apartment in Seoul, you are middle class. Oh Dong-min and Lee Soo-chul were the only ones who lived in an apartment when I was in school.
Kang Hyung-suk, who is working as a deputy to Yang Sung-mo and Pitestek who went to China with me, were all living in villas.
I came to a conclusion.
"Then I'll let you borrow 300 million won. I think acting Choi Yu-na is giving up. If Assistant Manager Hong Ji-young has no definite answer within 3 days, I will give up. It's okay, right?"
Hong suddenly said.
"Well, I'll take it, too."
"Then Mr. Kim Hyung-sook, please lend money to all employees on a short-term employee loan and get a loan certificate.“
"Okay, I'll take the certificate of seal as well."
"Go ahead."
All three female employees greeted me and left the president's office.
I called Assistant Manager Kim Hyung-sook back.
"Assistant Manager Kim said he wanted to buy an apartment. Where is it?"
Assistant manager Kim said with a bright expression.
"I wanted to buy this convenient apartment next to Guro Station. We wanted to buy 30 pyeong of land because we have a mother and a younger brother. The current market price is about 550 million won."
"Is that so?"
"I was passing by the last time I saw the notice board on the property and there was a sudden sale.”
"I think I chose Guro-dong because my younger brother is in Uiwang City and Assistant Manager Kim likes to go to Yeouido. My parents live next to him in Dorim-dong and Sindorim-dong. They build a lot of apartments these days.”
"We're more of a mother than that. My mom lives in Incheon for a long time, so I sometimes go to Incheon, but Guro-dong has very good traffic. I can go to Incheon right away without changing.”
"By the way, Mr. Kim looks bright today."
"Thanks to you. I see hope. The hope that our family will be able to join the middle class."
"But if it's 550 million won, isn't it hard to take 300 million?"
"I've saved 50 million won in salary. We also have a 30-million-won deposit in our current villa, so I think we can cover the rest with a bank loan."
"Hmm."
"It's going to cost a lot of interest, but I don't think it's going to be a big burden because my brother is also paid. Thank you, sir."
Assistant manager Kim looked happy because he was buying a house to live in, not increasing the number of apartments.
I felt rewarded by the rain.
It was the end of June.
The heat wave continued day after day.
The seasonal rain front, which will calm the heat wave, will start moving northward from Jeju Island on Tuesday, but it was still hot.
The Korea Meteorological Administration (KMA) said this year's monsoon season is likely to be dry due to low rainfall.
After eating a warning, SillaJen was still crossing the 20,000-won mark.
The 11,000 won I had collected was unlikely to come forever.
I said first at the morning meeting.
"The only loan the company has decided to lend for a while to purchase real estate is Mr. Jang and Mr. Kim Hyung-sook."
Jung said,
"I decided to visit my parents in Jamsil tomorrow, Saturday. I'd like to decide whether to apply on Monday or not on Monday."
"So will I.
Song and Hong also said they would do the same. No one was willing to give up.
Chang said.
"How much would you like your company's loan interest rate, by the way?"
"How much would you like?"
"I think we should accept the bank interest rate."
"Then in the case of General Manager Chang, the amount must be a lot of pressure.”
"It's a corporate loan, so if the interest rate is too low, it's a breach of trust. But if you get a high score, that's going to fade out your original intent, so... I think it'd be the cheapest bank rate."
Assistant Manager Kim Hyung-sook raised her head and said,
"I agree with that."
"What is the interest rate on a mortgage bank?"
"The mortgage rate varies slightly depending on the credit rating of the borrower. There's a difference between fixed and floating rates, and there seems to be a slight difference depending on whether the repayment method is split or lump-sum."
"Can't you average it?"
"So I think it would be nice to do around 2.5 percent, the average amount of KB Kookmin Bank's low loan package."
"A 100 million won loan is 2.5 million won. If we divide it into months... ...it'll be a little over 200,000 won.”
I thought that there would be no problem for our employees, who are hundreds of millions of dollars in salary.
Seeing the bright faces of the employees, they all seemed satisfied.
Chang said.
"I decided to stop by the real estate office tomorrow. Just in time, Lee Won-kyu knew about the real estate here and introduced it to me."
"Lee Won-kyu has a wide range of feet."
Lee Won-kyu introduced not only me but also the items that Kim Hyung-sook wanted to get. Of course, it wasn't a personal introduction, it was a real estate agent."
"I don't think that's going to cheat."
"But the boss doesn't buy an apartment?"
"I don't. You have to leave my shares in the company so the company can run."
"Then we are sorry."
"And I already have a big apartment in Hannam-dong and money to live without investing in real estate."
"Ha-ha, the boss is an exception.
"You guys buy it diligently. After about three years, you'll think that you bought it well."
"I'm going to go ahead and get more bank loans and return them when I'm done buying them said property."
"Can I?”
"I put out my apartment in Sindaebang-dong right after I heard you. There is a person who wants to come to sign this tomorrow. If that happens, I have money for selling my apartment in Sindaebang-dong, so I can make an additional loan."
"You mean you'll lend me more money because you have it. That's a relief."
"Staff, if possible, buy an apartment and get a lot of mortgage loans from the bank. And it's better to restock your company's shares. You can't stop investing in your own account."
I felt fortunate that Jang said what I wanted to say.
I turned the subject away.
I said while looking at acting Choi Yu-na.
"How was the New York stock market yesterday?"
"The New York Stock Exchange rose yesterday on the back of a pair of financial and tech shares. The Korean stock market is expected to remain strong today."
Assistant Manager Hong suddenly asked a question.
"I'm sorry to bother you, but I have a question."
"Speak."
"I think real estate is going to rise that way because of the shrinking population."
Chang said.
"Then don't act for Hong.“
"I'm asking because I'
"Assistant Manager Hong has been investing in stocks with fund funds, but was there any stock that went up strangely even if the operating profit continued to fall? Wasn't there?"
"It probably went up because it had a theme.”
"Even if there's no theme, if I keep going up, I'm the only one who's going to chase and buy? No?"
"Well, there is."
"Real estate or stocks are determined directly by supply and demand. Even if the government asks me to borrow money, if I don't buy it, the price of the house won't go up, but if I go up on one side, I'm the only one behind me, so I'm the only one who gets to
"Is that so?"
"Then the day comes when it explodes. It's about to explode, so you'd better buy it. That's why the boss suggested this plan.‘
"I think the population..."
"Well, you keep saying things like population. I told you last time. The number of households increases even though the population decreases."
"I think I heard."
"According to statistics from the previous year, the total number of single-person households in our country was 5.2 million. The number of households is increasing."
"Among them, single female households account for 50.2 percent of the total 2.61 million households, and more than half of them are low-income families earning less than 1 million won a month on average, so how do they buy apartments?”
"There's half the rest. Would housing prices go up if people with monthly income of more than 1 million won ran to buy an apartment? Won't you go up? You stupid girl!"
"I heard you. I listened to the smart man.”
Song broke in with a smile.
Haha, you two are sharp again. Calm down, everyone.“
I smiled too.
Chang said in a solemn voice.
"As soon as the theme is over, stocks hit a pole on the chart and go to the lower limit. But real estate is different. Downward rigidity means that growth stops, but rarely falls."
"I think you're right about that."
"The president has a deep meaning that he will make our employees. Don't miss the chance."
Everyone else clapped when acting manager Kim Hyung-sook clapped.
I laughed and clapped, too.
Song's favorite woman.