Not long after, Yang Fan finished the call and returned to sit down next to Brother Min and the others. Seeing that Brother Min still looked unhappy, Yang Fan said, "Brother Min, this matter has been settled. Don't push it anymore."
Wow, how hypocritical? Do we brothers really have to become hypocritical for you to be happy?"
When Yang Fan said those harsh words, Brother Min had already agreed. However, Brother Min didn't want He Yeqing to touch these situations.
In any case, the relationship between Brother Min and He Yeqing is far from this level. Brother Min and He Yeqing are similar in that they are actually quite calm.
Even though the relationship between He Yeqing and Brother Min is already very deep, Brother Min is not very willing to involve He Yeqing in this kind of thing, not to mention that the relationship between him and He Yeqing is far from that level now.
"I have something to go out for, you guys can chat." Yang Fan stood up, and after saying this, left Shunxin Hotel and drove straight to Tianjing University.
The phone call just now was not from someone else, but from Sun Liang. On the phone, Sun Liang told Yang Fan that someone showed up and wanted to lend them money, but the money would be charged with interest.
During this period, Sun Liang, Zhang Wei and Wang Haifeng often went to Huang Laizi to buy drugs as originally planned. After a short time, all the money they had had was squandered. Then they began to borrow money from classmates around them.
, and they usually don’t go to class very much. Even if they go to class, they lie on the table and fall asleep.
In short, these three people are now completely pretending to be drug addicts.
Just yesterday, Sun Liang and the three of them were at the end of their rope and could no longer borrow money. Moreover, the classmates who lent money also despised the three of them. As the saying goes, if you borrow money well, you can borrow it again.
It's not difficult. If you borrow but don't repay, not only will you no longer be able to borrow money, but even your creditor classmates will start to despise them. This is no wonder that those creditor classmates despise them.
Soon, Yang Fan arrived at Tianjing University and appeared in Sun Liang's dormitory.
"What's going on?" Yang Fan asked after closing the dormitory door after arriving.
Sun Liang and the other three were lying lazily on the bed. When they saw Yang Fan arriving, they all stood up from the bed and sat up. Zhang Wei even opened the door of the dormitory and looked around before closing it again.
Door.
"The three of us have borrowed money from all the classmates who can borrow money." Wang Haifeng smiled and said: "Now that we can't borrow money, someone came and lent us money and said that the money would be charged to us with interest.
.”
"Who is here? What did you say? How will the interest be calculated for you?" Yang Fan nodded and asked.
"The person who came here is Qu Huayi. He said that he knew we were short of money now and could lend us money, but the interest would be calculated." Wang Haifeng said: "The interest will be calculated at three points!"
"Typical loan shark." Yang Fan said disdainfully: "It's just that the interest rate he calculated for you is not high. Tell me about that Qu Huayi, what does he do?"
"A junior." Wang Haifeng said: "After he came to us, we asked someone to inquire about Qu Huayi's situation. This guy is very ordinary and has never done anything extraordinary in school."
"It's already very unusual to be able to lend you usury." Yang Fan smiled and said, "And since I can't find out anything, it's even more unusual."
Yang Fan originally thought that Sun Liang and the others had no money and had borrowed money from all the classmates around them. The guy who wanted to control them with drugs would soon show up. However, he didn't expect that this person would show up. Instead, a loan shark showed up.
Yes! Things are really getting more and more interesting. There are people in the school who are lending money at high interest rates?
This university is full of loan sharks, drug addicts and dealers. This makes Yang Fan even have the illusion that Tianjing University is simply the epitome of underworld life!
This Qu Huayi, who is no different from an ordinary student, is most likely related to the guy who controls drug trafficking among students!
Loan sharking is called loan sharking on the street, and there are various forms. But they have one thing in common. These loan sharks are all related to gangs. Otherwise, they will not be able to pay back many of their bad debts. At that time,
Loan sharks will spend a lot of money to seek help from gangs to recover such bad debts.
Moreover, many gangs will take the path of loan sharking when they first start. When the gangs develop and have accumulated a certain amount of money, they will abandon this way of making money that is not so fast and stable. Some gangs will even
Let us continue on the path of loan sharking, grow bigger and bigger, and obtain various returns through lending. For example, some people will get their real estate properties and convert them into money if they are not able to pay loan sharks.
Once loan sharking reaches this point, it is no longer a simple matter of charging interest, but a blatant robbery!
As for Sun Liang and the others, their family is not from Tianjing, they are students, and they have no real estate at all. The only explanation is that Qu Huayi may be related to the guy who controls students to take drugs and sell drugs.
Of course, another possibility cannot be ruled out, that is, Qu Huayi is really a loan shark in the school.
"By the way, did Qu Huayi tell you how to calculate the interest for you?" Yang Fan suddenly thought of this question and asked immediately.
"Didn't I tell you just now, Qu Huayi said that we would calculate the interest at three points." Sun Liang said, "When did your memory become so bad?"
"I know it's three-cent interest, but did he say whether it's daily interest or monthly interest?" Yang Fan explained: "There are many forms of loan sharking! There is a big difference between daily interest and monthly interest. They usually look at the person.
In other words, the interest is calculated based on how long you use the money.
If it is just a turnover and you pay it back in a few days, they will calculate the interest based on the daily interest rate. If you use it for a long time, they will calculate the interest rate based on the monthly interest rate!
For example, if you lend him 10,000 yuan, the interest rate is three cents, the monthly interest rate is 300 yuan per month! And the daily interest rate is 300 yuan per day! Loan sharks will choose the lending method according to their own income. Can you
Just accept them and forget about it.”
"Who is so stupid? If you borrow a usurious loan, you can pay it off in just a few days, but you can say that you will be able to pay it back in a month!" Zhang Wei said after hearing what Yang Fan said.
"Do you think you are the only smart one?" Yang Fan rolled his eyes and said, "The daily interest is low, the monthly interest is high! You use it for a few days, maybe a few cents, to calculate the interest for you. If you use it for a month, the interest is the daily interest.
Several times that! Zhang Wei, loan sharks are definitely smarter than you! No matter what kind of interest rate you choose, it will always meet the meaning of loan sharking!"
"Qu Huayi only said that the interest would be calculated for us based on three-cent interest, but he didn't say whether it was daily interest or monthly interest!" Zhang Wei said.
"How about calling him and asking him?" Sun Liang said: "We didn't agree to borrow money, and he didn't say anything. Instead, he left a phone number and said that we could call him at any time if we wanted to use the money."
"Call him and ask him." Yang Fan nodded and said, "Don't mention daily interest, monthly interest, etc. Just say that you want to borrow 20,000 yuan and ask him how long it will take to pay him back."
Sun Liang nodded and called Qu Huayi in front of Yang Fan. The two of them only said a few words and ended the fairy tale. Sun Liang turned to Yang Fan and said: "Qu Huayi said six days and borrowed 20,000 yuan."
Yuan, calculated based on three-cent interest, must be paid off in six days. He also said that if the money is not paid after six days, when the interest is calculated, it will not be 20,000 yuan, but the interest will be calculated together with the interest.
"
"As for the six-day repayment period, the interest is not high." Yang Fan nodded, changed the subject, and said: "But he gave it to you according to the interest compounding algorithm. Interest compounding,
This is the most cruel trick of loan sharking. The more you fail to pay back the money, the harder it will be to pay back the money."
At this point, Yang Fan stopped talking, becoming more and more certain that Qu Huayi must be related to the guy who controlled college students to take drugs and sell drugs.
If they were really just making some money from loan sharking, they would not do such cruel things as compound interest. This Qu Huayi would not use compound interest to lend loan sharks to Sun Liang and the others.
So simple.
"Then shall we borrow this money?" Wang Haifeng asked at this time.
"Borrow." Yang Fan nodded and said, "Just borrow 20,000 yuan as I just said. If you borrow this money, you still have to go to Huang Leizi's to continue buying goods! When you spend all the 20,000 yuan, you will
about there."
"You mean Qu Huayi has something to do with the person who got us into drugs?" Wang Haifeng immediately figured this out.
Yang Fan nodded and said: "I originally thought that after you spent all your money, you would borrow all the money from the classmates around you. When you can't borrow any more money, that person would jump out. I didn't expect that a loan shark would come out.
Qu Huayi. It seems things are not as simple as I thought.
Although the money Qu Huayi lent you was calculated at three-cent interest, there was only a six-day repayment period, and the most important thing is that he calculated the interest for you based on compound interest.
This is obviously to make you more and more unable to pay the money. What is the purpose of making you unable to pay the money?"
Having said this, Yang Fan glanced at the three of them one by one before continuing: "You three must be prepared."
"What preparations?" the three asked in surprise.
"Be prepared not to repay the loan shark." Yang Fan smiled and said: "Since Qu Huayi has no intention of you being able to repay the money, you have to be prepared to not repay the loan. Now that a loan shark has appeared,
Qu Huayi has made things that were originally simple become complicated, and a lot more things will happen. For example, if you don't pay the money, you will be beaten up, etc."
"Isn't it?" Zhang Wei said in shock: "He will also beat us?"
"Don't worry, even if they beat you up, it will definitely be just a superficial wound. Since they want to control you, they will not be cruel to you. I can guarantee this, but they may not necessarily beat you up.
way, so I said you have to make some preparations." Yang Fan said with a smile: "Okay, I'm leaving, you can just borrow money tomorrow."