I Got on a Ghost Ship By Mistake and Was Forced To Be the Captain

  Chapter 105 A Suite

  Out of the central station, Tu Fu bought a copy of the "Göttinghagen Travel Guide" worth 5 pools from the newsstand on the roadside. Although the price is expensive, the city introduction of this guide is extremely detailed.

  Located in the eastern part of Baia, Göttinghagen, the capital city with a total area of ​​nearly 1,000 square kilometers, is the well-deserved political, economic and cultural center of Baia.

  This city has a long history of hundreds of years since the founding of the People's Republic of China. It is also the earliest pilot site of Baia's industrialization. It has gathered the strength of the whole country to build an international metropolis.

   There are a total of twelve main city divisions under it, and each area forms a ring around the Fort Hill Palace in the central city.

  The Sutton and Lille districts in the northern area are relatively remote. They used to belong to the old town of Göttinghagen. The population in this area is generally older and the buildings are relatively old.

  Although many places here were abandoned after the center of development moved to the south, the excellent infrastructure in the north has basically provided everything that should be there.

   Several areas in the north have cheap housing with high cost performance, which is the best choice for outsiders to live.

Going south, it is closer to the current main urban area. The Brighton area is the address of the University of Göttinghagen. It is also a university town there. More than ten large and small schools are concentrated in one area, and two or three railway lines intersect vertically. Transportation is very convenient.

  As a cultural center, cultural industries such as large markets, national libraries, museums, concert halls, and grand theaters are naturally indispensable. These infrastructures make Brighton look young and energetic as a whole.

   Further down is the Mosley district, the CBD of Göttinghagen.

Based on Shanks Avenue, it is the largest Manton Park, an economic powerhouse, a super financial city, banks, stock exchanges, insurance companies, and railway transportation companies that can be seen everywhere on the street. The total value of these industries can be called Baia It is no exaggeration to say that half of China's economic lifeline.

  At the same time, almost all the white-collar workers in the city are gathered here, and it is definitely the most prosperous area with the fastest footsteps for pedestrians.

  The largest river in the city center is the Moll River that runs through the urban area of ​​Göttinghagen from west to east.

  Many well-known buildings are distributed on both sides of the river. There are old-fashioned buildings hundreds of years ago, sculptures of celebrities who have fought for the kingdom and made major contributions, and churches with different styles in different periods.

  It can be said that the existence of the Mole River has brought more vitality to the whole city.

   It is worth mentioning that if you want to buy a good set of super luxury houses with river view on both sides of the river, the price will be at least 50,000 crowns, and there is no market for the price.

  According to the annual salary of 240-260 crowns for normal workers, it only takes less than two hundred years without eating or drinking, which is simply a future that can be bullied.

   Facts have proved that if ordinary people are not here when they are born, there is a high probability that they will not have a chance to live in it until they die.

As for East Göttinghagen, which is still in the preliminary construction area, the factories with the most chimneys are undoubtedly the most numerous, the dock area where a large number of international skilled workers gather, and the most commercial channels for trade with neighboring countries. The environment there is worse. , but it is definitely the top priority of the country's production industry.

  The situation is completely different in the west of Göttinghagen, where it has seriously deviated from the city limits, covered with virgin forests, and several areas are more inclined to the original ecological natural environment.

   There are many river bay towns over there, interspersed with huge traffic lines. Many airship companies and steam car companies are located in this area.

  The vast runway is the best place for steam traffic beginners. If you are tired of staying in the city, it is also a good choice to go to the western region to relax.

  Interestingly, according to the introduction of this travel guide, the closer to the power center, the higher the house price, and even some locations may not be able to buy even if you have money.

  The Winster family, who just arrived in the capital today, took the intercity train all the way out of the station following the flow of people, and only then did they truly see what an international metropolis looks like.

   As far as the eye can see, there are commercial buildings that were hard to see in the past.

  You can see a few tall buildings over 100 meters apart, and there are many well-known landmarks in this city.

  For example, the extravagant and majestic Sillburg Palace, the magical and magnificent Catholic Cathedral, the Baroque Wedegg City Hall, the majestic Parliament Building, and the vibrant University of Göttinghagen.

  Analyzed from the perspective of power distribution, these well-known landmarks are compared with His Majesty the King, religious extraordinary forces, Your Excellency the Prime Minister, the House of Representatives, and the Göttinghagen School.

  But there should be quite a few underground forces like Brotherhood in this kind of city.

  When Tufu got off from the central station, he used his hunter senses to investigate quietly. In that area alone, he felt several huge spiritual flows. There are definitely not a few extraordinary people in this city.

   "When you have a chance, you must first unlock all areas of Göttinghagen by car."

  Tu Fu secretly made a plan in his heart. Compared with a small city like Leeds, it is not an easy job to visit the whole city, and it will take a few months to fully cover it.

  However, since it is a metropolis, if someone eavesdrops on the conversation of some important person from the surveillance, it is guaranteed to be able to flourish immediately.

   Except for the Castle Hill Palace, which is the pinnacle of power in the central city, which cannot be entered for a short time, other places are not difficult.

  Of course, he has an extraordinary cloak that can shield his body and breath.

  But Tu Fu didn't dare to gamble that there were no superhuman beings guarding the important place of the royal family. If he really rushed in rashly, he wouldn't know how to die.

   After another turbulent intercity train, the Winsters' family arrived at a place in the south called Lance District.

   Regarding the follow-up plan of this trip, fortunately, my uncle has already confirmed the plan, and he has already contacted the manager of a real estate company who came to Göttinghagen this time.

  Before coming here, the family's future residence has been selected in advance.

   "Get ready to cheer, kids, we're about to have a home of our own in Göttinghagen."

  Ethan showed a gentle smile on his face, and seemed to be full of infinite yearning for staying in this city in the future.

  …

  South Göttinghagen, Reims district, Baker Street 45.

   On the day of arrival, under the leadership of a senior sales manager named Allen, Ethan took his wife and two children to the future residence.

  This is also a fairly good area. It is a distance from the central city, but it is also a relatively comfortable area in the south.

   Even though this is not the main residential area of ​​nobles and bourgeois big businessmen, it is still a good residential area in terms of security and environment.

  Under the leadership of the manager, Tu Fu looked up at his future new home.

It is also a re-examination house, with white wooden fences, red and white wall bricks covering the upper and lower floors respectively, and a Gothic spire on the pointed maroon roof, retro with a touch of trendy, similar ingenious design is not uncommon. few.

  The area is only slightly smaller than the house in Leeds in the past, and there is also a nice small yard.

   "Dingling~"

  After ringing the doorbell, Manager Allen introduced the family into this double-storey house that also has 120 square meters.

  He brought people in and introduced the environment here.

   On the first floor, there is a very nice large living room, a large light-filled dining room, a fully equipped kitchen, a master bedroom, a washroom and a basement. There are parking spaces for private carriages or steam cars outside the yard.

  Going upstairs, there are two bedrooms with their own bathrooms, a living room, a study room, and a window balcony facing north and south after opening the side window at the top of the stairs.

"Mr. Winster, I can guarantee that there is no more suitable house in Göttinghagen than here. The price of 10,000 kroner is not high for people who want to live in Göttinghagen, and this area will definitely There will be upside.

  Look, there is a traffic station not far away, and there are schools, supermarkets, and hospitals around Lance District. The most important thing is that it is far away from the factory, so that the exhaust gas emission will not affect your health. "

   "You are right, but 10,000 kroner is not a small amount. The funds in my hand must make us think carefully." Uncle Ethan was not dazed by the words.

  The eloquent manager with a professional smile on his face, like a client bragging about the superiority of this place, "It doesn't matter if you don't have enough funds.

Our company has always had a good relationship with the five major banks, and we can help you with the subsequent loan procedures. All you have to do is pay a 20% down payment. According to the annual interest rate of 5%, you will have 20 years to pay it off , such housing prices are at least promising compared to the residences in Moore River. "

   "Twenty years?"

   Manager Allen's words made the always shrewd Aunt An Feier start to be moved when she heard such an introduction, and she quickly calculated the deal.

  Borrow 8,000 crowns from the bank, with a down payment of 22,000 crowns, with an annual interest rate of 5%, and repayment in 20 years. Considering interest fluctuations or currency depreciation, the final cost of buying a house is about 18,000 crowns.

   In conversion, the annual repayment is 800 crowns, and the monthly payment is 60-70 crowns. Ethan's current weekly salary plus bonus is floating at 15 crowns.

  This actually means that excluding money other than the daily expenses of the family, Uncle Ethan’s future wages will basically all be remitted to the bank.

  The advantage of doing this is that Mrs. Anfeier will temporarily keep the working capital of 3,000 kroner in her hand. This money will be used to purchase the facade and then operate the hot pot restaurant, costs, labor costs, early publicity, commercial water and electricity...

   Once it starts to operate, it will burn a lot of money every day, not only to pay the mortgage but also to pay the rent of the hot pot restaurant. In this way, the Winster family will last for a year or two at most.

  If there is a problem with the operation of the hot pot restaurant during this period, all the initial investment will be in vain.

   In fact, there are also great risks.

   "Mr. Allen, do people who come to Göttinghagen to buy a house choose to take a loan?"

   After carefully calculating an account, Tu Fu suddenly asked the manager a question.

   "Not all of them. At least 80% of people will choose to buy a house with a loan. After all, this is the only good opportunity for ordinary people to use leverage in their lives." Manager Allen smiled,

   "This will leave people with a sum of money to improve their quality of life. In the future, if the currency depreciates, they may be able to make a steady profit."

   "Borrowing leverage has always been a very risky thing." Sophie calmly analyzed, "I heard that the banks in Landis seldom lend house money to ordinary people."

   "The lady's words reminded me of a joke widely circulated in the industry.

  An old woman from Landis finally earned enough money to buy a house at the age of sixty, and an old woman from Baia at the same time finally paid off the mortgage on the house at the age of sixty.

   At that time, she had lived in this house for decades. "

   Manager Allen's words made several people present smile knowingly at the same time. Everyone likes such an international joke that satirizes the neighbor next door.

  Among the group, only Tu Fu felt uneasy. He didn't expect that the seeds of advanced loans in this era had been planted at some point. Behind this must be the Bayer government's frantic promotion of consumption and economic growth.

  If the Baia Kingdom wins the future war against Lantis, it is not bad, then the initial investment will be rewarded. Once defeated, the entire country will fall into hell, and it will not be able to breathe for at least a hundred years.

   "I have to admit that I like this house and living in this city, Mr. Allen, why not follow your proposal."

   Ethan's eyes suddenly became firm, "We decided to buy it with a loan."

   "Believe that this is the most correct choice in your life."

  The experience of the sales office, Allen, nodded seriously. It seemed that it was not surprising that someone bought this house that was very good in all aspects and had a lot of room for appreciation in the future.

   "Uncle, actually I don't quite understand why we need to give priority to buying houses on such a road section, and why we don't want to rent a house more cheaply."

  It wasn't until the sales manager left in the name of going through formalities that Tu Fu took the opportunity to raise his concerns.

   "Do you also think that the housing price in Göttinghagen itself is a worthwhile investment industry, do you want to use the future appreciation of the house to hedge the risk of running a hot pot restaurant?"

  This is actually a good idea. Without sufficient financial support, use bank leverage to obtain a longer capital cycle to operate additional businesses, but the risk is slightly higher.

  The strategy of exchanging time for money to pay off the mortgage and successfully operate the hotpot restaurant will result in the hotpot restaurant’s working capital shortening the repayment cycle and becoming a stable channel for making money.

  The worst plan is nothing more than a business failure, or a sharp drop in house prices, and my uncle will spend twenty years repaying the expenses.

  However, Sophie and Tu Fu, who have already graduated from prestigious schools, have already taken over the burden of the family, which can reduce the risk a lot.

   "Actually, I have no idea what you mean by risk hedging?"

  Uncle Ethan gave him a completely different answer, and his eyes became deeper,

"After I came to this city, I was always at a loss, even at a loss, and I was full of awe here, until I knew that I had the ability to buy this house when I just talked to the manager, I suddenly felt a sense of security, even Start imagining the future of our family."

  Tu Fu nodded and listened quietly to his uncle's words. In fact, he was in the same mood.

  Uncle Ethan walked in the house, carefully touching the walls, tables, chairs, and windows of the house, and said to himself:

  “I have been to Göttinghagen many times during my military service. The capital of the country at that time was almost the same as it is now. There are many people in the bustling city, people from various countries.

  They are always busy, never stop to work hard to make money, and try to live in such a place with ambitions and dreams.

   At least among the people I've met, most of them actually don't save any money after working a full year.

  They can only get further and further away from their original dream, watching their golden age pass and gradually lose their work efficiency.

   Then they are eliminated by younger, lower-paid raiders who are just as ambitious as they have ever been.

  After finally losing their ability to earn money, even if they are unwilling, they can only return to their hometown in despair. "

   Ethan Winster shook his head and said seriously:

  “Since then, I have figured out that if I want to take root in Göttinghagen, I must have a house of my own.”

   ps: There was only one chapter yesterday, I’m sorry, because it’s all a 4,000-word chapter, especially the beginning of the second volume is very laborious to write, so the update is a bit slow, don’t blame~

  (end of this chapter)