058, Genetic Engineering

Liu Guonan: "It's not a psychological problem, right? I want to buy a house recently."

Ding Qi interrupted, "Don't you already have two houses in your family?"

Liu Guonan: "Actually, my parents want to change their house..."

Liu Guonan belongs to the generation of only children. Although his parents are also working-class, they do not lack houses at home. His parents rushed to the welfare housing distribution and later in the housing reform era, and had an old house in the city center. Later, they used their savings to buy a new small house for Liu Guonan near his workplace.

Liu Guonan's mother has retired, and her father is going to retire next year. They plan to live with Liu Guonan after retirement. Of course, the longer term plan is to wait for Liu Guonan to help her take care of the children after she gets married. However, the new house that Liu Guonan bought was a two-bedroom apartment with an area of ​​less than 80 square meters, so I'm afraid I can't live there.

The old house is a three-bedroom apartment, but the location is a bit far from Liu Guonan’s work unit, and the apartment is a bit old. Although the location is good in the city center, it is surrounded by a commercial area and the environment is noisy.

Liu Guonan's mother has been wandering around the world in the past few months, and she chose another large house near Liu Guonan's new house. It is a commercial and residential dual-purpose house with an area of ​​125 square meters, three bedrooms, two living rooms and two bathrooms, a large kitchen, and the community environment is very good. Liu Guonan and his father went to see it later, and almost saw it at first sight.

The price of this house is 16,000 square meters, with a total price of exactly 2 million yuan. Liu Guonan's parents regretted it and thought that they should have done it in one step and directly helped Liu Guonan buy a big house. Now they have used up all the savings on hand. Later, they discussed and sold the old house in the heart. The price there was high, so they were anxious to sell it, and the old house could be sold for 2.8 million yuan.

This is enough to buy a big house and you can still save 800,000 yuan more, which is considered to be an old house for new one. But when you think about it, they all feel that it is a pity. If the old house in the city is kept, it may be more valuable in the future. Liu Guonan thought about selling the small house he lived in, paying the down payment with the money, and then paying the loan every month, so that his parents' old house could be kept.

However, commercial and residential housing cannot apply for provident fund loans, so it can only use commercial loans. The down payment is at least 50%, and the maximum period is only ten years. If the loan is 50% of the year, it will be a little bit of a mortgage of about 10,600 yuan per month, and the burden is a bit large. Liu Guonan does not want to spend her parents' pension, but her own income is not enough.

The whole family is undecided, so Liu Guonan really wants to find someone who understands it and asks you how to do it more cost-effectively?

After listening, Zhuang Mengzhou stared at Liu Guonan for a long time, as if she had a face and a flower? Liu Guonan was confused and said, "Mr. Zhuang, what's wrong with you? Why are you looking at me like this?"

Zhuang Mengzhou: "I've been talking for a long time, why do you ask me about something like this?" Looking at his expression and tone, the meaning was clearly - I, a senior master of Jingmen, can't help you calculate it for free. It's not worth calculating like this kind of messy thing you ask me about!

Liu Guonan heard the meaning and explained: "Mr. Zhuang, this is a big deal for ordinary people. I don't need to be a fortune, it's OK to solve the big problem."

Buying a house is indeed a big deal for ordinary people, sometimes even the most important thing. Zhuang Mengzhou said helplessly: "I'm not saying that this matter is not important to your family, but it doesn't require consultation at all. It's easy to solve and it can't be simple!"

Liu Guonan: "Oh, how to solve it?"

Zhuang Mengzhou: "Whose name is your name of these two houses now?

Liu Guonan: "Everyone is in the name of my parents, including the small house I bought for me two years ago, they are all under my parents' names and do not owe loans."

Zhuang Mengzhou: "That's too simple. In fact, as long as the old house has no loan bank, I will sell it!"

Liu Guonan: "This is the simplest, but our family all thinks it's a pity. They use a house with a 70-year property ownership in Shixin to exchange for a commercial and residential dual-purpose house with a 50-year property ownership."

Zhuang Mengzhou: "I didn't say I'll sell it to others, I'll sell it to you!"

Liu Guonan was stunned: "Sell it to me?"

Zhuang Mengzhou: "Since you want to calculate, then take a pen and paper, I'll do it for you!"

Shang Ni ran into the study and brought paper and pen. Zhuang Mengzhou picked up the pen and said while writing: "I will tell you step by step. The market price of the old house is 2.8 million, and I will sell it to you. You can apply for a provident fund loan, and you can apply for 30 years. Thirty percent of the down payment, and you can still have 70% of the house selling fee left, which is also 1.96 million."

Liu Guonan didn't react and said, "Where did you get one hundred and ninety-six thousand?"

Zhuang Mengzhou glared at her. Only then did she figure it out and slapped her head and said, "There is 1.96 million left. If you add some more money, you can buy that big house directly."

Zhuang Mengzhou then calculated: "If you buy the full amount, you don't have to pay the commercial loan. If you buy your parents' old house, based on the provident fund loan for 30 years, the monthly repayment should be more than 8,000. Since the old house is no longer in use, there is no need to be empty. If you rent it out in the commercial district in the heart of the city, how much can you rent each month? I am not a local from Jinghu and I don't know the situation."

Liu Guonan replied: "My parents asked the introduction that the rent in that place is high and easy to rent, and the monthly rent can be 10,000 yuan!" He stood up excitedly and said, "In this way, if you have the money to repay the mortgage every month, you will still have the surplus in your hand!"

Ding Qi reminded: "It's not just that! Your old house is still in his own hands, which means one extra house is available, and two houses become three!"

Zhuang Mengzhou: "Do you understand? In fact, you don't have to spend a penny or sell your old house. You can have an extra house at home and you still have money to earn every month. What are you still thinking about for such a simple thing?"

Liu Guonan: "It's not that you don't have to spend a penny. You can save 1.96 million yuan by borrowing a loan. The full price of the house is 2 million yuan. If you count the various handling fees, you have to add more than 100,000 yuan. This is much easier, so you can find a way to get it together."

Zhuang Mengzhou sighed and said, "Why do you have to think of other ways to make up? Since it is a business of your own people, why do you have to sell 2.8 million?"

Liu Guonan was not stupid, and immediately reacted: "Yes, I can sell three million yuan, and 70% of the loan is two million yuan, which is enough."

Zhuang Mengzhou put down his pen and shrugged, "This will not be solved!"

Liu Guonan felt a little incredible: "You don't have to spend a penny, you still have to make money every month. There is an extra house at home, which is amazing!"

Zhuang Mengzhou: "What's the magic of this? It's just the simplest finance. What do you think those who do finance are making trouble every day?"

Liu Guonan smiled embarrassedly and said, "I thought finance had nothing to do with us ordinary people, it was all the business of financiers."

Zhuang Mengzhou: "Why doesn't it matter? A financier's job is not to think about the money in everyone's pocket?"

Liu Guonan picked up the A4 paper on the table and looked at it for a long time. Finally, he was sure that the plan was feasible, so he folded it and put it away. He said to Zhuang Mengzhou: "Thank you so much, it solved a big problem in our family!"

Zhuang Mengzhou waved his hand and said, "No need to thank you, a small matter!"

Shang Ni interrupted with some dissatisfaction: "Mr. Zhuang, are you telling fortunes or counting?"

Zhuang Mengzhou asked back, "What do you think? The so-called magical calculation is to give people guidance. Arithmetic can also be used for fortune telling. Are these numbers not numbers, and they have to be put into a purple-Wei Dou number?"

Liu Guonan also nodded seriously and said, "Master Zhuang is right! No matter how you calculate it, it is a magical calculation to solve the problem. You have helped me solve the big problem, and I must thank you very much!"

Ding Qi smiled and said, "You're welcome, Mr. Zhuang is free today."

Liu Guonan: "That's not possible! Let's do it, I'll treat you all to dinner."

Zhu Shanxian laughed and said, "Okay, it's just right now. Save the vegetables I bought until late."

Liu Guonan really invited everyone to have lunch. There were only ten people looking for nearby restaurants. Walking to the hotel, Ding Qi whispered to Zhuang Mengzhou: "Mr. Zhuang, I seem to have seen similar cases in that book."

Zhuang Mengzhou: "There are so many such things! Since you know, you should ask you to calculate for her. They were originally here to find you."

Ding Qi: "How can that happen? They all depend on how you tell fortunes to others."

During the meal, everyone expressed their gratitude to Liu Guonan, and gave things and treating guests. Ding Qi asked: "The benefits you send in your unit are so special. They are all such heavy things. How can you move them?"

Liu Guonan: "It's not our unit, it's the customer who sent it to our department. By the way, I met an acquaintance at the customer unit. His surname is Tian, ​​he claims to be your second brother, and he calls you Xiaoqi!"

Ding Qi: "Tian Rongping? It's indeed my second brother. He is in the same dormitory in our university. He ranks second. We have the best relationship. This person is really good..."

Liu Guonan: "I am indeed very good at dealing with people at first, but when I heard him mention you, I felt very familiar with you as I talked about it. Later, I invited him to dinner, but in the end it was the account he firmly settled..."

The two talked about Tian Rongping at the dinner table. Ding Qi specifically talked about many interesting things about Tian Rongping and had a happy chat with Liu Guonan. When he said goodbye after dinner, Ding Qi also said, "I will invite you and Tian Rongping to have a meal together another day!"

Liu Guonan drove her own car, a family car worth more than 100,000 yuan, which she saved money after joining the work. Watching Liu Guonan drive away, Ding Qi walked back to the hall, Xian Hao asked, "Teacher Ding, are you a matchmaker for your classmates?"

Ding Qi was stunned: "Uh, did you hear it?"

Shang Ni interrupted, "Apart from that Liu Guonan herself, everyone at the table can hear it. You have talked about so many things about classmates and choose interesting ones, and they all secretly say it, isn't it obvious?"

Ding Qi smiled and agreed. Xian Hao said again: "Ms. Liu's house problem has been solved, but we also have house problems to be solved. So many of us move in the backyard every day, and often stand at the gate of the yard in the middle of the night. The neighbor next door has been getting better, and we often look here through the window to see what we are doing?"

Ye Xing nodded and said, "Sister Xian is right, but it has already aroused suspicion. Today, I came here to ask. If Xiaojing Lake is opened in the future, so many of us are in and out, it will be easy to be discovered. Neighbor problems must be solved, and as soon as possible."

Zhu Shanxian: "The small building on the east side has actually been solved. The head of the household is my old neighbor in Nanqi Town. The child immigrated to Australia and took the old couple over. I said I wanted to find a warehouse to put something in it. They rented the house to me. I originally said I didn't have rent, but I still insisted on paying the rent and signed a five-year long-term rental agreement, which was a month."

Fan Yang: "Senior Brother Zhu has been prepared for a long time."

Zhu Shanxian: "After Aquan found me, I started preparing. As for the building to the west, the head of the household is Director Song of the Municipal Urban Construction Bureau. Now his son and wife live here. It is convenient to solve the problem. As long as Teacher Ding comes forward, he can handle it."

Ding Qi: "Let me come forward and rent the house? If that's the case, wouldn't it be better for you, the district chief?"

Zhu Shanxian shook his head and said, "No, no, no, the entrance to Xiaojing Lake is here. I mean it's time and for all. Teacher Ding just buy the small building next door."

Ding Qi said in surprise: "Buy it? Although the housing prices here are not as expensive as those in the city, a small building costs at least two million. How can I get that much money?"

Zhu Shanxian smiled: "To be precise, it is 2.08 million, which is the recent transaction price. I asked Teacher Ding to buy a house, but I didn't ask Teacher Ding to spend money on his own. Of course, it's not appropriate for me to do something like this, after all, I'm in the officialdom."

Ding Qi: "Is it because you paid for it with my name?"

Zhu Shanxian's smile was a bit unfathomable: "You misunderstood, no one has to spend money, because Director Song will not ask you for money at all. Congratulations to Teacher Ding, we will be neighbors here, in the future."

Ding Qi suddenly remembered that when Zhu Shanxian gave him the key to the guest room of the building, he once said: "Teacher Ding really loves life and is very interesting! Since that's the case, you will also build a small building next to you in a few days. Let's set it up like this in the future..." (Note: see Chapter 047)

Zhu Shanxian used a positive tone, not a hypothetical tone. Ding Qi just thought that District Mayor Zhu was joking and didn't care. He didn't expect that he was serious and had planned it for a long time!

Ding Qi said in confusion: "I have never known Director Song, why should he give me a villa for free?"

Zhu Shanxian: "Director Song has a lot of real estate, and it is located in the name of different people. A small suburb building with more than 2 million is nothing to him, and it will be very happy... Teacher Ding, let's talk to me building alone."

While Zhu Shanxian and Ding Qi were talking alone in the room on the building, Tan Hanchuan was slowly explaining to Shang Ni, who was puzzled, in the living room downstairs: "You know, I am a researcher at the Institute of Biomechanics of the Academy of Sciences."

Shang Ni: "I know, but what does this have to do with Teacher Ding's buying a house?"

Tan Hanchuan smiled honestly and said, "Don't worry, when I finish speaking, you will understand. In the field of biology, the most popular direction is genetic engineering. Do you know what genes are?"

Shangni: "I know, DNA, abbreviated as DNA, contains genetic code."

Tan Hanchuan: "If dna wants to copy its own information, the medium that needs to be transcribed is ribonucleic acid, referred to as RNA. For example, if new cells are divided and various proteins are synthesized, RNA needs to be transcribed. If the officialdom is used as a metaphor, dna is equivalent to a set of system rules that have been formulated early, and RNA is the executor, so that the entire system can operate..."

The others here actually understood what was going on. Including Ye Xing, who was not in the secret of the Ill Sect, was actually a qualified person in the world of martial arts. After hearing Zhu Shanxian say that, he had already reacted. But at this moment, he saw that Tan Hanchuan was talking interestingly and actually involved genetic engineering, and everyone came over to listen with interest.

Tan Hanchuan: "In the process of genetic transcription, not all RNAs can play a normal role. Many RNA molecules will present non-coding sequences, which will lead to a series of genetic problems, which we call the interference mechanism of RNA.

The latest discovery in gene research is that there is also a very special type of RNA, named non-coding RNA, which is called dark matter by researchers. It is hard to say what role it does, but if non-coding RNA is expressed abnormally, it will affect normal genes."

Shangni: "It works in the opposite direction?"

Tan Hanchuan: "It is still being studied. From the surface, if there is a problem, it may inhibit the normal function of specific gene segments. If the non-coding RNA regulation is imbalanced, it may cause major diseases."

Shangni: "What major disease?"

Tan Hanchuan smiled: "This is not easy to say... Junior sister, do you understand?"

Shang Ni suddenly realized, "Oh, I understand!"

Shi Buquan picked up his thumb and said, "Senior Brother Tan is still very powerful, and the explanation is really easy to understand."

Xian Hao smiled faintly and said, "Easy to understand is easy to understand, but it may not be necessary to say it is popular."
To be continued...