They disagreed on paying full price for a house
He refused to take out a mortgage, but full payment was out of reach. The BaZi (Four Pillars of Destiny) reading said a loan was unavoidable.
The screenshots were masked before they were posted. Names, avatars and birth details are covered in the originals; where a translated line reads [redacted], the source was covered too and nothing has been guessed.
Client
The top one is me, the bottom one is him.
上面是我 下面是他
12:47
Zongyuan
Are these both lunar calendar dates or solar calendar?
都是阴历还是阳历
Client
Solar calendar.
阳历
Thank you [emoji]
谢谢[emoji]
12:49
Zongyuan
Your BaZi (known in the West as the Four Pillars of Destiny): Born in [redacted], you have signs of residential updates. In fact, last year in 2024, with the Chen-Xu clash, you should have made some changes to your current home—like getting new furniture, renovations, layout adjustments, or moving. Looking ahead, changes will come between 2026 and 2027, possibly spanning both years—for example, signing a contract in the second half of 2026, and completing the transfer in 2027. Most likely, the home purchase will involve a mortgage, not full payment. Of course, there is a very small chance that during this period it is not a purchase but a rental, but with a lump sum payment or a large amount that feels like buying a house. (Very low probability)
你的八字
八字生在[redacted]就有更新住宅的情况，实际上在去年2024年，辰戌冲，你们对目前的住宅应该做过一些更新的动作，比如说安排了新家具，翻新，格局变动或者搬迁之类的。
往后看，变动在2026-2027年，也可能横跨两年，比如2026年下半年签约了，2027年才过户之类的，且多数买房有贷款，不是全款付。
当然也有很小的可能是这个期间不是买，而是租，但是一下子打款，或者金额大，有买房的错觉。(概率很小)
14:03
transfer in 2027, and most home purchases involve a mortgage, not full payment. Of course, there is a very small chance that during this period it is not a purchase but a rental, but with a lump sum payment or a large amount that feels like buying a house. (Very low probability) Several features of the house: 1. It is in a densely populated area, a relatively large residential complex, or near a commercial district with lots of people and activity. 2. There are good primary or secondary schools nearby, within a 2-kilometer radius. 3. There are many restaurants, and quite a few barbecue places. 4. It is a second-hand house, almost like a nearly new property, not brand new. 5. Transportation is convenient, at a place where rail lines intersect.
了，2027年才过户之类的，且多数买房有贷款，不是全款付。
当然也有很小的可能是这个期间不是买，而是租，但是一下子打款，或者金额大，有买房的错觉。(概率很小)
房子的几个特征：
1 人口挺密集的，是一个比较大的小区，或者附近有商区，人多热闹。
2 附近有不错的小学或者中学，方圆2公里内吧，有学校。
3 饭馆多，而且烧烤类的不少。
4 房子二手，有点像是次新房，不是纯一手。
5 交通挺方便，轨道交通交汇的地方。
Your partner's BaZi: [redacted] Earth represents property. There are also signs of small-scale changes in 2024 (renovations, new furniture) or moving. In 2027, he will buy property again, also requiring a mortgage. The surrounding environment matches what I saw for the woman above. A point to note: this house is an upgrade, but not the one you will be most satisfied with in the end. It feels more like a transitional period. There will be another property transaction in 2033, and that year's house will be more ideal, with more satisfactory size and amenities in all aspects.
你对象八字
[redacted]
土是房屋，也是24年有小范围变动信息（装修，新添家具）或者搬迁，到了2027年会再次买房产，也是需要贷款。周边环境和上面女方看的环境一致。
需要注意的点是：这个房子也是改善型用房，但是不是最终你们最满意的房子，更加像是过渡期，2033年还会有房屋买卖，这一年的房子比较理想，各方面的面积，配套会更满意。
Please take this.
请收
Client
We have to wait until 2033 to be satisfied [emoji]
要2033年才满意啊[emoji]
Ugh.
服了
Zongyuan
You two must be feeling restless this year, really wanting to buy, right? [emoji]
你们今年应该就挺躁动了 很想买吧[emoji]
Client
Because we've argued about it so many times.
因为吵了很多次了
But we can't agree on things.
但是双方意见谈不拢
Zongyuan
What's the point of disagreement?
哪个点上有分歧
You two must be feeling restless this year, really wanting to buy, right? 😀
你们今年应该就挺躁动了 很想买吧😀
Client
Because we've argued about it so many times.
因为吵了很多次了
But we can't agree on things.
但是双方意见谈不拢
Zongyuan
What's the point of disagreement?
哪个点上有分歧
Client
He refuses to take out a mortgage.
他不肯贷款
But buying a house with full payment is almost impossible, and I wouldn't want that either.
但是全款买房 几乎不可能 我也看不上
14:07
Zongyuan
Hahaha, it's not up to him. This chart points to a mortgage.
哈哈哈 由不得他 这盘就要贷款
Just go with a mortgage, but don't take on too much leverage— the pressure will indeed be high.
奔着贷款去就行了，但是呢杠杆不要拉太高，确实压力大
Client
He's someone who can't handle even a little pressure.
他是无法接受一点点压力的人
Zongyuan
Mm-hmm.
嗯呢
Client
And his job is really unstable.
他工作也确实不稳定
Zongyuan
[redacted]
[redacted]
Client
I had a lot of changes in 2024. I bought a house in Kunshan, got married, and then he and I rented a place after marriage.
我 24 年变动很大 买了个房子在昆山
结婚了 然后我和他婚后租的房子
Zongyuan
Mm.
嗯
Client
Can you see the price range maybe?
可能看得到价格区间吗
Zongyuan
I can only say it will be passable.
只能说将就
Client
Roughly how much is the house?
大概多少的房子
Zongyuan
About how much are you looking at? Let me check a specific range.
你看中的大约是多少，我来看个具体
的区间
Client
600.
600吧
It's not that I'm set on this, it's just what I can accept right now.
这也不算我看中 只是我现在可以接受
Zongyuan
Buying a house in Shanghai for 600 is actually pretty hard.
上海 600 其实买房蛮难的
Client
Yeah [emoji]
是的[emoji]
You know how it is [emoji]
你懂的 [emoji]
Zongyuan
From the divination, take off 10%-20%.
卦上看，要去掉 10%-20%
Client
…
…
Zongyuan
480-540. That's what he can accept.
480-540，他只能接受这样
Client
Yes 😓 [emoji]
是的😓[emoji]
You know how it is 😓 [emoji]
你懂的 😓[emoji]
…
…
Almost everything you said is accurate.
你说的几乎很准
Zongyuan
Haha, thank you.
哈哈谢谢
Client
That's what he can accept. Yes.
这是他可以接受的 是的
Wow.
绝了
The final one will be about the same, right?
最终也差不多只是这样对吧
Zongyuan
Though, this time I agree with him.
不过么 这一波我认可他
Don't bother doing a separate divination for your wealth. You'll need to tighten your belts in the next two years.
你们财运也不要单独起卦看了，后两年要勒紧裤腰带
Don't take on high debt.
不要高负债