Beyond the Noisy World: The Long Lost Eight Sects: 058, genetic engineering

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

Ding Qi interjected: "Don't you already have two houses in your house?"

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

Liu Guonan belongs to the generation of only-child. Although his parents are working class, there is no shortage of houses in the family. His parents caught up with the welfare housing allocation and the subsequent housing reform era. They had an old house in the city center, and later used their savings to buy a new small house near the workplace for Liu Guonan.

Liu Guonan's mother has retired, and his father will 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 with the children after she gets married. However, Liu Guonan's new house that I bought earlier is a two-bedroom house with an area of ​​less than 80 square meters. If this is the case, I am afraid that I can't live in it.

The old house is a three-bedroom house, but the location is a bit far away 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 commercial areas and the environment is relatively noisy.

Liu Guonan's mother had been walking around in the past few months, and she chose a large house near Liu Guonan's new house. It is a dual-purpose house for commercial and residential use, with an area of ​​125 square meters, three bedrooms, two living rooms and two bathrooms. The kitchen is also very large, and the community environment is very good. Liu Guonan and his father also went to see it later, and they almost caught it at a glance.

The price of this house is 16,000 square meters, and the total price is exactly 2 million. Liu Guonan’s parents regretted it and felt that they should have done it in one step and helped Liu Guonan directly buy a large house. Now all the deposits on hand have been used up. Later, they discussed and sold the old house in the city center. The price there was so high that the old house could sell for $2.8 million even if they were in a hurry.

This is enough to buy a big house, and you can still have an extra 800,000 deposits on hand, even if you trade in the old. But thinking about it again, they all felt it was a pity. If the old houses in the city center were kept, they might be more valuable in the future. Liu Guonan thought about selling the small house he lived in, he took the money to pay a down payment, and then repaid the loan every month, so that his parents’ old house could be kept.

However, it is not possible to apply for provident fund loans for commercial and residential housing. You can only use commercial loans, and the down payment ratio is at least 50%, and the maximum period is only ten years. If 50% of the loan is 1 million, the monthly mortgage payment is almost 10,600 yuan, which is a bit heavy. Liu Guonan does not want to spend her parents' pension, but her own income is not enough.

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

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

Zhuang Mengzhou: "After talking for a long time, do you ask me about this kind of thing?" Seeing his expression and tone, it is clear that-I am a shocking senior, it is rare to help you do the calculation for free, you just ask me this It’s not worth the calculation at all!

Liu Guonan heard the meaning and explained: "Mr. Zhuang, this is a big deal for ordinary people. I don't need to be fortune-telling, as long as I can solve big things."

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

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

Zhuang Mengzhou: "Whose two houses are in your family's name, do you owe loans?"

Liu Guonan: "All are in the names of my parents, including the small house I bought two years ago. They are all in the names of my parents, and I don't owe loans."

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

Liu Guonan: "This is the easiest one, but my family feels it is a pity to use a 70-year property right house in the city center for a business that is not in the city center and only has a 50-year property right. Live in a dual-use room."

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

Liu Guonan was taken aback: "Sell it to me?"

Zhuang Mengzhou: "Since you want to count, then take a pen and paper, and I will give you a good calculation!"

Shang Ni ran into the study and fetched 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 sold to you. You can apply for it. You can apply for a provident fund loan for 30 years. With a 30% down payment, you can still have 70% of the sale price left in your hands, which is 1.96 million yuan."

Liu Guonan didn't react and said: "Where is 1.96 million?"

Zhuang Mengzhou glared at her. She figured it out, and she patted her forehead again and said: "I have 1.96 million left. With a little more money, you can buy the big house directly."

Zhuang Mengzhou went on to calculate: "Buy the full amount without repaying the commercial loan. You buy your parents’ old house, and the monthly repayment should be more than 8,000 on the basis of the provident fund loan for 30 years. Since the old house is no longer living. , There is no need to be vacant. In the downtown business district, if you rent out, how much can you rent each month? I’m not a local in Jinghu, so I don’t know the situation."

Liu Guonan replied: "My parents asked the intermediary that the rent is high and it is easy to rent out. The monthly rent can be tens of thousands!" At this point, he stood up excitedly and said, "In this case, monthly There is money to pay back the mortgage, and there is still savings in hand!"

Ding Qi reminded: "More than that! Your old house is still in your own hands, which is equivalent to one extra house, two sets become three sets!"

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

Liu Guonan: "It's not that you don't need to spend a penny. The loan can save 1.96 million yuan, and the full price of the house is 2 million. If you add various handling fees, you have to add ten. More than ten thousand. This is much easier to handle. You can find a way to get it together."

Zhuang Mengzhou sighed and said: "Why do you think of another way to get together? Since it is your own business, why do you have to sell for 2.8 million?"

Liu Guonan is not stupid, so he immediately reacted and said: "Yes, I can sell 3 million, and 70% of the loan is 2.1 million, so that's enough." /

Zhuang Mengzhou put down the pen in his hand and shrugged his shoulders and said: "This will not be solved!"

Liu Guonan felt a little unbelievable: "You don't need to spend a penny, you still have to earn every month, and you have an extra house at home, which is amazing!"

Zhuang Mengzhou: "What's so magical about this! It's just the simplest finance. What do you think those financial professionals are doing every day?"

Liu Guonan smiled embarrassedly: "I thought that finance has nothing to do with ordinary people like us, it's all about financiers."

Zhuang Mengzhou: "Why doesn't it matter? The job of a financier is not just thinking about the money in everyone's pockets?"

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

Zhuang Mengzhou waved his hand and said: "No thanks, a trivial matter!"

Shang Ni interjected somewhat unconvincedly: "Mr. Zhuang, are you fortune telling or counting?"

Zhuang Mengzhou asked, "Then what do you mean? The so-called magic calculation is to give people tips. Fortune-telling can also use arithmetic. Isn't these numbers a number, you have to line up a Ziweidou to count?"

Liu Guonan also nodded very seriously: "Master Zhuang is too right! No matter what the calculation is, the problem is solved by the magic. You helped me solve the big problem, I must thank you very much!"

Ding Qi smiled and said: "You are welcome, Mr. Zhuang is free today."

Liu Guonan: "That won't work! Let's do this, I invite you all to dinner."

Zhu Shan chuckled and laughed: "Okay, I didn't make it at noon, so let's save the food I bought until the evening."

Liu Guonan really invited everyone to lunch, and he was looking for a restaurant nearby, no more, no more than ten people. On the way to the hotel on foot, Ding Qi whispered to Zhuang Meng: "Mr. Zhuang, I seem to have seen similar cases in that book."

Zhuang Mengzhou: "There are so many such things! Now that you know, you should let you do the calculations for her. People are here to look for you."

Ding Qi: "How can it be done? They all have to see how you tell people fortune-telling."

During the meal, everyone expressed their gratitude to Liu Guonan, and gave things and treats. Ding Qi asked: "The welfare provided by your unit is so special. They are all such heavy things. How can they be moved?"

Liu Guonan: "It's not our company, but the customer sent it to our department. By the way, I also ran into an acquaintance in the customer unit. His surname is Tian, ​​who claims to be your second brother, and you are called Xiaoqi!" /

Ding Qi: "Tian Rongping? That is indeed my second brother. He is in a dormitory in our university. He is the second child. We have the best relationship. This person is really good..."

Liu Guonan: "People are really nice. I was not very good at dealing with people at first, but when he talked about you, I felt very familiar. Later I invited him to dinner, but in the end it was He settled the account resolutely..."

The two chatted about Tian Rongping at the wine table. Ding Qi specifically talked about many interesting things about Tian Rongping, and chatted very happily with Liu Guonan. When leaving after dinner, Ding Qi also said: "I will invite you to dinner with Tian Rongping another day!"

Liu Guonan drove her own car, a family sedan worth more than 100,000 yuan, which she bought after saving money after taking a job. Watching Liu Guonan drive away, Ding Qi walked back to the hall, and Xian Hao asked: "Mr. Ding, are you trying to match your classmates?"

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

Shang Ni interjected: "Except for Liu Guonan himself, everyone at the table can hear it. You have said so many things about your classmates, and you only pick out the interesting ones. They all secretly said, is it not obvious?"

Ding Qi smiled, which is regarded as a default. Xian Hao said again: "Miss Liu's house problem has been solved, but we also have house problems to be solved here. So many of us are active in the backyard every day, and often stand at the entrance of the yard in the middle of the night. The neighbors next door have been curious for a long time. , Often look through the window to see what we are doing here?"

Ye Xing nodded and said: "Sister Xian is right. Now it has already caused people to ask questions. If Xiaojing Lake is opened in the future, it will be easy for so many of us to come in and out. It was discovered. The neighbor problem must be resolved, and as soon as possible."

Zhu Shanxian: "The small building on the east side has actually been settled. The head of the household is my old neighbor in Nantuo Town. The child immigrated to Australia and took the old couple. I said to find a warehouse to put it in. Something, they rented the house to me. Originally they said no rent, but I still insisted on paying rent, and signed a five-year long-term lease agreement, which was last month’s matter."

Fan Yang: "Brother Zhu is well prepared."

Zhu Shanxian: "After Ah Quan found me here, I started to prepare. As for the building on the west side, the head of the household is Director Song of the Municipal Urban Construction Bureau. Now his son and his wife live here. Convenient, as long as Teacher Ding comes forward, it can be done."

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

Zhu Shan shook his head and said: "No, no, the entrance of Xiaojing Lake is here. I mean once and for all, Mr. Ding should just buy the small building next door."

Ding Qi surprised: "Buy it? Although the house price here is not as expensive as the city, but a small building is at least two million, right? How can I have that much money?"

Zhu Shanxian laughed: "To be precise, it is 2.80 million, which is the recent transaction price of the intermediary. I asked Teacher Ding to buy the house, but I did not let Teacher Ding spend the money. Things like this, I Of course it is not appropriate to do it, after all, you are in officialdom."

Ding Qi: "Did you spend money to buy it under my name?"

Zhu Shanxian’s smile is a bit unpredictable: “You’ve misunderstood, no one needs to spend money, because Director Song will never ask you for money. Congratulations to Teacher Ding, for buying a small building here, we will be in the future It's a neighbor."

Ding Qi suddenly remembered that when Zhu Shanxian gave him the key to the guest room upstairs, he once said: "Teacher Ding really likes life and is very interesting! In this case, wait a few days for you I also built a small building next to it, so I will decorate it by myself in the future..." (Note: see Chapter 047)

Zhu Shanxian used a positive tone at the time, not a hypothetical tone. Ding Qi was only joking when the district chief Zhu was joking, and he didn't care. He didn't expect that he was serious and had planned for a long time!

Ding Qi said in a puzzled way: "I didn't know the Director Song, why did he give me a villa for free?"

Zhu Shanxian: "Director Song has a lot of real estate, under the name of different people, a small suburban building of more than two million yuan, which is nothing to him, it will be very happy... Teacher Ding, follow me Lou, let's talk alone again."

When Zhu Shanxian and Ding Qi were talking alone in the room upstairs, in the living room downstairs, Tan Hanchuan slowly explained to the puzzled Shangni: "You know, I’m from the Chinese Academy of Sciences Biomechanics Research Researcher of the Academy."

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

Tan Hanchuan smiled honestly and said: "Don't worry, you will understand when I finish talking. In the biological field, the most popular direction is genetic engineering. Do you know what a gene is?"

Shang Ni: "I know, deoxyribonucleic acid, or DNA for short, contains genetic code."

Tan Hanchuan: "DNA wants to replicate its own information, and the medium of transcription is ribonucleic acid, or RNA for short. For example, to divide new cells and synthesize various proteins, RNA is required for transcription. If you use an official metaphor, DNA is equivalent Only with a set of system rules that have been formulated for a long time, and RNA is the executor, the entire system can operate..."

Others in this room actually already understand what's going on. Including Ye Xing, who was secretly passed on by the Weishou Family, was actually a qualified routine circus person. After listening to Zhu Shanxian's remarks, he had already reacted. But at this moment, seeing that Tan Hanchuan said it was interesting, and even involved in genetic engineering, everyone was also very interested to come over and listen.

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

The latest discovery of genetic research, there is also a very special type of RNA, named non-coding RNA, which is called the dark matter in nucleic acid by researchers. It is difficult to say what role it does, but if the non-coding RNA expression is abnormal, it will affect normal genes. "

Shan Ni: "The reverse effect?"

Tan Hanchuan: "It is still under research. From the apparent point of view, it may inhibit the normal function of specific gene segments if something goes wrong. If the regulation of non-coding RNA is unbalanced, it may cause major diseases."

Shang Ni: "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 raised his thumb and said: "Brother Tan is still very good, and the explanation is really easy to understand."

Xian Hao smiled faintly: "Easy to understand is easy to understand, but it may not be easy to understand."

Almost at the same time, in the room upstairs, Ding Qi was surprised: "Isn't this blackmail?"

Zhu Shan shook his head repeatedly and said: "Of course not, just business affairs! Business affairs, do you understand? You can call Director Song directly, first introduce yourself, and then say that you are interested in his house, I want to buy it. The reason is that you like the scenery and air here.

As for other things, you can answer whatever he asks, you can tell the truth. Listen carefully, there is no blackmail in it? Remember, you are just buying a house, don't say anything threatening or suggestive! "

Ding Qi: "That's it? Are you sure Director Song can give me the house for nothing?"

Zhu Shanxian sighed and said: "Brother, you are not in officialdom. Many things are not clear, and I can't say too clearly. Although the deputy mayor of Jiang Jiachu has entered, it is no longer necessary to promote or promote someone. Possibly, but if you want Director Song to fail in his current position or send him in, you can still do it."

Ding Qi: "But I have nothing to do with Jiang Jiachu, I just gave him a psychiatric appraisal! How can Director Song determine what Jiang Jiachu told me, and then I ask him for a house as a hush fee? "

Zhu Shanxian waved his hand again and again: "Such words, don't mention a word after you leave this door! It doesn't matter what Jiang Jiachu has to do with you. Since you dared to find Director Song, you introduced yourself. , He will definitely think that there is a relationship. This is the way of thinking in official circles, just like the genetic code recorded in genes!

Before Jiang Jiachu was formally sentenced, who had the most private contact and conversation with him? Who talked with him the most, about the parents' shortcomings, love life, and professional experience? Who had the deepest conversation with him, could directly grasp his mental state and thought dynamics, and it took nearly a month before and after? This person is you!

And you are not a disciplinary inspector, but a psychologist... Now Mayor Jiang has entered, but Song Mingjie is okay. Why? As long as you finish this call, I'm afraid you will be able to know some of the reasons. "

Ding Qi is still skeptical: "District Zhu, are you a descendant of Juemen or a descendant of shock? How do I feel that you are like a fortune-telling, just like that. , Director Song will give me the house. What if he doesn’t sell it, or he doesn’t want to give it away for nothing?"

Zhu Shan laughed and said: "The eight gates of the rivers and lakes have the same threshold. Just treat me as a fortune-telling, and make a confirmation to see if I can calculate it correctly? It's just a phone call, and nothing is lost! If it’s a sale, we have to talk about it. If he doesn’t want to sell or give it away, then we can think of another way."

Ding Qi: "Are you sure that Director Song already knows who I am and what I have done?"

Zhu Shanxian: "When you talk to this level, Teacher Ding don't doubt it anymore. What do you think the neighbor, Xiao Tao, came here this morning? It's just a new year, no festival, no hospitality, no gift , Just come over to say hello? Why don’t you usually see her having such a leisurely mind to take care of my family’s affairs?

Director Song must have heard that I was holding a party here and wanted to know the situation, so he asked his daughter-in-law to come over and ask. I moved you out and told you who you are. Xiao Tao must have told her father-in-law the situation when he turned around. Director Song was playing drums in his heart right now. You make a call and say that you have taken a fancy to his house, but he feels relieved after giving it away! "

Ding Qi groaned: "If, I mean, if, if Director Song commits a crime in the future and is sent in, what should I do if I confess the matter again?"

Zhu Shanxian looked at him and said, "Is there anything wrong with you? Even if he commits a crime and is found out, it is impossible for you to investigate it! Didn't I tell you, just buy a house normally? , Which crime did you commit?"

Ding Qi: "Call now?"

Zhu Shanxian shook his head again and said: "Don't fight with me, go to where you usually work."

Everyone in the hall chatted for about twenty minutes, and saw Zhu Shanxian and Ding Qi come down. Shangni leaned over and asked mysteriously: "Is the small building next door done?"

Zhu Shan chuckled and said: "It's done, just wait for Teacher Ding to go to work on Monday to call."

Shan Ni was a little disappointed: "Wait until Monday?"

Zhuang Mengzhou said: "Isn't it the day after tomorrow! I just said don't worry, why can't you stand your temper?"