Fan Shengmei showed a helpless expression to Li Mu.
"Li Mu, I can mortgage everything in my house to you. Can you lend us the money first? We really need it urgently."
Fan's mother responded: "Yes! Yes! Xiaomei has been in Shanghai for so many years. She has saved a whole house and mortgaged it to you."
Li Mu shook his head and said: "Sorry, I don't know what is in your house, but I only accept things that are easier to cash, such as jewelry, cars, house deeds... Do you have any?"
The mother and daughter looked at each other. Fan's mother understood her daughter's financial situation and knew that she naturally had nothing, but how could she give up? She stepped forward and hugged Li Mu's thigh.
"Young man, just help us! You and Xiaomei are friends. I don't have a problem with you liking Xiaomei. Just help us. Xiaomei will definitely pay you back the money you borrowed."
Fan Shengmei didn't expect her mother to do this. She looked very embarrassed and quickly grabbed her. Li Mu took the opportunity to get away, stepped back a few steps, and said with a calm expression on his face: "I'm sorry, your family's situation is too complicated. From my understanding,
Your daughter has no ability to repay the debt. I’m sorry, but she can’t borrow it without a mortgage!”
Seeing that Li Mu was not moved at all, Fan's mother finally became quiet and began to sigh again.
Fan Shengmei seemed to remember something at this moment and said, "Li Mu, are you good at housing?"
Li Mu said: "Okay, you can mortgage the principal of the house with me for one year. If you can't pay it back after one year, I will sell the house and recover the principal and interest."
After hearing Li Mu's answer, Fan Shengmei immediately approached Fan's mother.
"Mom, I remember when I bought a house for my brother, you were afraid that his divorced wife would take half of the house away in the future. The house he lives in has always been in your name."
"When you come to Shanghai this time, you have brought all the important things at home, including your house book."
"I really don't have anything valuable there. If I can mortgage such a large amount of money, how about I mortgage my house to Li Mu first and collect the money for my dad's surgery to get through this hurdle."
As soon as she heard the house book, Fan's mother felt like a cat whose tail had been stepped on, and she immediately became anxious.
"Xiaomei, no, it can't be mortgaged. Your brother's house can't be sold. If the house is sold, your brother will get divorced."
"Xiao Mei, you must have other friends in Shanghai for so many years, so just borrow more! If you save a little more in the future, you can pay it back slowly, and you will definitely be able to borrow it. The house cannot be mortgaged."
Fan Shengmei suddenly wanted to cry without tears. Although she knew that her father's surgery fee was no problem, when she heard her mother's words, she thought about her son everywhere, but did not consider him as a daughter at all, which made her heart even colder!
Why can't she sell her brother's house? She basically got the money to buy the house, and she also paid the mortgage. Why is it so partial? Why do you want her to bear all the debts alone? Does her daughter really mean anything to her parents?
Doesn’t it all count?
Thinking of these in her mind, and thinking of Li Mu's words, her heart gradually hardened. She could not be soft-hearted, she had to be ruthless, she said silently to herself.
"Mom, do you think I can still borrow money? I have solved many bad things that have happened to my family over the years. All my classmates and friends are afraid of me borrowing money. Now there are still a few who are willing to work with me.
Coming and going."
"You only think about your son. Can you think about your daughter? She is already thirty-one, and there is only one older daughter left. She can't even get married because there is such a family and such a mess. Which man is willing to marry me?
I am like raising our whole family, and the whole family will lie on each other's body to suck blood, who would want to do that!"
"Now, I have been squeezed dry by my family, where can I borrow money?"
Mother Fan's face stiffened: "But, Xiaomei...but, Xiaomei..."
Li Mu seemed to be completely unaffected by them, and continued with a calm expression: "You have to discuss this matter carefully, I don't care. However, although Miss Fan and I are friends, we must also settle accounts clearly, regardless of the loan period.
No matter the length, the interest is the same."
"We follow the rules of private lending. The monthly interest is three cents. If we borrow 100,000, the interest will be 3,000 per month. At the end of the year, we will pay back 136,000 with principal and interest. If we can't pay back, I will sell the house."
"You guys should discuss it carefully, whether to borrow it or not."
Fan's mother was immediately shocked after hearing Li Mu's words.
"Three thousand interest per month, you are stealing money! I thought you were a good person, young man, but I didn't expect you were taking advantage of the situation. How could you be so bad!"
Li Mu didn't care what she said at all, he shrugged and said: "I don't dare to be the good person you call me. It's up to you whether I lend you money or not. I don't care."
"And to be honest, at this time, no one would be willing to lend you a tenth of profit, let alone three points of profit, given your family's situation."
"That's me, for the sake of being friends with Miss Fan, I'm giving you a chance to help you out. If you want to find a good person who can help you for free, just go and find him. I can't do that.
"
Fan's mother froze on the spot, grabbed Fan Shengmei and started crying regardless.
"Xiaomei, please beg him. You two are friends and he is interested in you. If you beg him properly, he will agree. Your brother's house must not be mortgaged, or he will get divorced!"
Fan Shengmei's heart became colder and harder.
"Mom, I really can't do it. We are just ordinary friends. It's enough for others to help us. Why do you have to help us fill this bottomless hole!"
"Mom, there are only two options now. One is to sell my brother's house and perform surgery on dad; the other is not to sell it and let dad wait to die. You decide."
Fan's mother was stunned when she saw the ball thrown to her. How could she choose? She didn't dare to choose either one.
Fan Shengmei continued: "Mom, don't you want to save dad? Are you going to watch dad die in front of your eyes? Didn't you just desperately want me to save dad? My dad is in danger now, but he can't wait that long. Mom
, now it’s up to you to say a word.”
Even though Fan's mother was usually sharp-tongued, she was just a woman who had not seen much of the world. Father Fan was the one who made the final decision on all major matters in the family. How could she go through such a battle? She was immediately confused.
Her legs gave way and she sat down on the ground, crying bitterly and muttering: "I don't dare to make a decision. I'm a woman and don't dare to make a decision... Your father will beat me to death if he knows it. I won't."
Dare to make a decision, what should I do..."
Fan Shengmei said: "But if my dad doesn't do the surgery, he won't be able to survive these days. How can he beat you? Even if the surgery is successful, he won't be able to move his body in the future. It depends on you to take care of him. If he dares to beat you, how can he beat you?"