"I heard that you have something to say to me?" Brother Zong looked at the student-looking Li Ming in front of him with interest, grinned slightly and said, "I know you, do you want to borrow money this time?" Although Brother Zong looked like he was smiling, Li Ming understood the meaning behind this smile - it was the expression that ferocious beasts would show when they were playing with their prey.
I am too weak now, and provocation at this time is really not a good choice.
It’s not like I haven’t seen those guys who still have strong bones when they were weak. Without exception, they died with a sense of art.
Without exception.
Li Ming suppressed the glare in his eyes, nodded slightly, and then replied with a slightly flattering smile, "Brother Zong, a poor student like me is now as poor as a dog eating leftovers on the roadside. In this situation, I can still do it."
Borrow money?"
The smile is humble, the words are humble, and there is no shame at all.
"Our loans are very user-friendly, and there are many ways for people to choose." Brother Zong put down the pen in his hand, spread his hands and said, "We have legal and compliant loans with low interest rates. We charge a certain handling fee.
Use certain means to help you borrow more money from regular banks..."
"If you don't have the procedures and collateral or want to borrow more money, you can also choose our other methods..." Brother Zong held a cigarette between his fingers and continued, "For example, like you
As my father chose, nine times out and thirteen times back..."
Nine outs and thirteen returns: refers to a calculation method of usury.
The so-called "nine out" means that the principal of the loan is not one, but nine.
For example, if you borrow 10,000 yuan, you will only be given 9,000 yuan, and the 1,000 yuan deducted is the handling fee, also called [decapitation interest].
Shisangui means that you have to repay 13,000 when it is due. As long as you sign the loan agreement, you will pay back the same amount the next day. The loan period is usually one month, or three months in one period, and you must repay the money when it is due, otherwise
The compound interest will never be repaid.
After expiration, each period will be charged an additional 30% interest on the original total principal and interest. If it is calculated based on borrowing 10,000 yuan (9,000 yuan received), if the 13,000 yuan is not repaid at the maturity date, then after the overdue
The total amount to be repaid is, if it is not paid again, it will be overdue and calculated cumulatively. This is the method of interest compounding.
Generally speaking, one period lasts for three months, which means that after four months, you will have to repay five times the amount. It is like eating meat without spitting out bones.
The problem Li Ming faces now is that the three-month deadline is about to come. Once the interest rate increases, his family will only end in tragedy.
"Brother Zong, you must know what kind of situation our family is in now. The current situation we are facing is that our own survival is a problem..." Li Ming paused and said with a sad face,
"If you lend me money again, what will I get in return?"
Brother Zong blew out a puff of smoke and looked at it with a smile. At the same time, Li Mingruo said meaningfully, "There are many ways to repay money. After all, [people] are really valuable."
The cold words resounded throughout the office, and the smell of blood suddenly filled the air.
After a period of silence, Li Ming slowly raised his head and looked at Brother Zong and said, "Brother Zong, you are a businessman, and the purpose of a businessman is to make money. If you can't make money, you will kill our family and save more."
Apart from the trouble and some effort, there are no benefits at all, right?"
"Oh?" After hearing Li Ming's words, Brother Zong asked in surprise, "You continue."
Li Ming took a deep breath and continued,
"The gambling debt my father borrowed has disappeared without a trace. My mother chose to commit suicide because she couldn't face all this.
Now there are only my elder sister who is studying at Chaoren Academy, my younger sister who is still in high school and me, so according to common sense we will definitely not be able to pay back the money.
When I get desperate, I can only take my sister to commit suicide. You will definitely not be able to force her to death, so you will not only lose money, but also get upset, don’t you think so?"
"Then, you mean you don't want to pay back the money?" After hearing Li Ming's words, Brother Zong squinted his eyes and said, "I'm actually not that worried about trouble."
Li Ming hurriedly waved his hands with an apologetic smile and said, "No, no, no, I didn't mean that. How could I have the guts to blame you, Brother Zong? I just have a suggestion here. Do you think it's OK?"
"Tell me about it..."
"Because the head of the household is my father, it is really difficult for me to sell it to pay off the debt. According to the market price, it can be sold for nearly 800,000 yuan now. I would like to ask if I can trouble Brother Zong to forge a copy of my father's house."
After I sign the death certificate, I will sell it and use the house directly to offset the principal..."
"What about interest?"
Li Ming's father borrowed a loan based on the nine-out-one-third-return period. The term is three months, and the interest is equivalent to 140%, which means that Li Ming still needs to repay 280,000.
"I think if Brother Zong's business is so big, there must be some blind people who want to take advantage of Brother Zong..."
As Li Ming spoke, he placed the envelope that Wang Bohua gave him previously on the table, and then said with a smile,
"I want to make a living under Brother Zong, and while paying back Brother Zong's interest, I can rent a house and have a place to stay with my sister. Do you think that's okay?"
Wen Yan, Brother Zong slowly sat up, stretched out a hand and pressed it on the envelope, and said slightly playfully, "If I take the money and then don't agree, what will you do?"
Li Ming dropped his hands by his side and said weakly but persistently, "I don't have any other options, but I prefer to believe that Brother Zong is a businessman."
Businessmen, how can you be considered a businessman if you don’t do business?
Putting the pros and cons on the table, then lowering his position and paying a huge price in exchange for a chance to breathe, this is the only thing Li Ming can do now.
Either it's a waste of time and there is an extraordinary person who is thinking about him. Although he is not afraid, it is still a bit troublesome.
Or it could be borrowing money back with interest, and at the same time, there is a horse boy who is willing to run errands.
After Zong Ge thought for a while, he put out his cigarette butt on the table, opened the drawer and took out a brown file bag, threw it on the floor in front of Li Ming, and then said, "Go and get this account back."
Besides, let me see if you have the value to talk to me."
Looking at the file bag on the ground in front of him, Li Ming immediately showed an overjoyed expression without much hesitation. Then he bent his back and picked it up from the ground. Then he said angrily, "Brother Zong, give me a few days."
If I don’t get my money back in time, everything I just said will be treated as fart!”
Not bothering to look at Li Ming's excited expression, Brother Zong waved his hand casually and said, "Five days, I only give you five days."
