After saying goodbye to He Yuzhu, Cao Zhiqiang stopped staying, walked out of the room, pushed his bicycle, and was about to leave.
However, when he reached the door of the front yard, he was stopped by the third aunt.
After a few words, Cao Zhiqiang was dragged into the house by the third aunt.
As soon as I entered, I saw the third uncle was there.
One look at that posture, it was already waiting for him.
Regarding this, Cao Zhiqiang stopped being polite and asked directly after sitting down: "Third uncle and three aunt, if you have anything to say, just tell me. I'm very busy. We should have told you early."
Uncle San smiled: "Well, in that case, let me say something nice. Zhiqiang, I came to you this time to borrow money from you."
"Borrowing money?" Cao Zhiqiang was stunned, then smiled, "Is it about opening a restaurant for your daughter-in-law?"
Uncle San patted his thigh, looked at Aunt San and said, "Why don't you tell me? Zhiqiang is a smart person and will understand as soon as he hears it."
"That's right!" Third Aunt said with a smile, "Zhiqiang is someone I've seen since childhood. This kid has been smart since he was a kid. How can you hide your little scheme from him?"
"Yes." The third uncle nodded, "There are talents from generation to generation, and a new generation replaces the old ones!"
Cao Zhiqiang sighed: "Three uncles and three aunts, now that it has happened, I will tell you the truth.
For your sake, it's not impossible to borrow money, but for borrowing money, you have to have some collateral, right?
When you ask me to borrow money, what do you use as collateral? "
"Do you still need collateral?" Third Aunt immediately frowned.
"That's right!" Cao Zhiqiang nodded, "No one's money comes from the strong wind. Even if we have a good relationship, we are brothers who still settle accounts clearly.
So, if you are kind, I will lend you money, which is easy, but there must be collateral.
If there is collateral, I will pay immediately without any ambiguity. "
"But look at our family, we don't have anything valuable to pledge as collateral." Third Aunt said, "How about using our TV as collateral?"
"What are you talking about?" The third uncle was immediately dissatisfied, "How can a TV be used as a mortgage? Besides, how much money can it be used as a mortgage?"
Cao Zhiqiang smiled: "Uncle San, Aunt San, don't you have a house? It's okay to use the house as a mortgage."
"Use the house as a mortgage?" The third aunt immediately frowned, "Isn't this appropriate?"
Cao Zhiqiang shrugged: "Then I can't help you. Anyway, if you want to borrow money from me, you have to use something that I like as collateral. As for your house, this house is okay, but the rest is fine, haha."
Just as Aunt Three was about to speak, Uncle Three suddenly waved his hand and stopped Aunt Three.
Immediately afterwards, the third uncle looked at Cao Zhiqiang with a smile: "Cao Zhiqiang, if we use this house as a mortgage, how much can you borrow?"
Cao Zhiqiang looked around, then sighed: "To be honest, I didn't want to wade into this muddy water originally, but now that Uncle San has spoken, it's not appropriate for me not to help.
In this case, if you use this house as a mortgage, I will happily lend you two thousand yuan, how about it? "
"Only two thousand? Is it too little?" Third Aunt said with a frown.
Cao Zhiqiang said with a smile: "Third Aunt, go and inquire about the market. If you sell this house now, see how much it can be sold for.
To put it bluntly, the price I offered is enough to buy your house. This is not the price of a mortgage.
If calculated according to the mortgage, it would be cut in half at least. For your house, it would be good to give you one thousand.
I only agreed to lend you two thousand out of favor after seeing Uncle San speak. "
"Cao Zhiqiang." The third uncle said with a smile, "I know you are doing it for our own good, but two thousand is too little. Can you add more? Three thousand, do you think it's okay?"
"Two thousand and five at most." Cao Zhiqiang shook his head.
"Okay, two thousand and five is two thousand and five." The third uncle nodded, "Who told us to be short of money now?"
Cao Zhiqiang nodded: "Okay, that's settled, but how will the interest be calculated?"
"Ah?" Aunt Three was surprised, "You want interest?"
"That's not true." Cao Zhiqiang said, "When I deposit the money in the bank, I get interest. If I lend it to you, you won't pay interest. Why should I lend it to you?"
"Don't you have our house as a mortgage?" Third Aunt said.
"A mortgage is a mortgage, and interest is interest. How can this be the same?" Cao Zhiqiang frowned, "Third Aunt, you are such a smart person, you don't think I'm a fool, do you?"
"Stop talking," Third Uncle said to Third Aunt, "Cao Zhiqiang is right. Borrowing money is a favor, and not paying interest is too much."
Cao Zhiqiang nodded with a smile: "Uncle San is still reasonable."
"Well," said the third uncle, "I'll lend you the money for one year and give you two cents of interest per year. How about it? It's a good deal, right?"
Cao Zhiqiang shook his head funny: "Uncle San, what are you thinking? Do you really think I don't understand anything?
Nowadays, the bank's current deposit interest rate is 2.16. If I lend you a loan for one year, it must be regarded as a one-year fixed term, right? You just gave me two cents of annual interest? It’s lower than the interest rate on demand deposits, so that’s not what it’s like! "
"Then let's count it as a one-year term." The third uncle said with a smile, "Now the bank's one-year term is 3.96. How about I give you four cents a year?"
Cao Zhiqiang said with a smile again: "Uncle San, you are really good at calculating, and your abacus is a thief.
Nowadays, when borrowing money privately, which company does not calculate interest on a monthly basis?
Generally speaking, when borrowing money in private, the interest rate is a few cents, such as one cent interest and two cents interest, which refers to the monthly interest. I have never heard that the annual interest is calculated according to the bank, and it is also calculated as the deposit interest rate.
It would be better for you to calculate the annual interest directly for me, or calculate it according to the bank's deposit interest rate.
According to this calculation, the annual interest is 4 cents, which is equal to the monthly interest of only 3.3 cents?
With just such a small amount of interest, why do I act like I've made a huge profit from you?
If that's the case, why are you borrowing money from me? Why don't you just go to the bank for a loan? "
The third aunt was muttering next to her at this time: "Bank loan? Then I have to be able to get a loan. Aren't we unable to get a loan? Now private individuals can't get a loan at all."
Cao Zhiqiang glanced at Third Aunt, then shook his head and said: "Anyway, if you want to borrow money from me, you can't just give me such a small amount of interest.
Four cents profit a year? Do you have the nerve to say that?
This is not to lend money sincerely, but to use me as a scapegoat and play tricks on me. "
After being told off by Cao Zhiqiang, Mr. San was not embarrassed at all, but said with a smile: "You can't say that, this is bargaining, don't you have to ask for a high price and pay back on the spot?
Otherwise, since you don't agree with the interest rate I offer, how much interest rate do you think is appropriate? "
Cao Zhiqiang thought for a while and said: "Uncle San, to be honest, I really don't need the interest money now, and I have no interest in lending money to others.
For example, last time, your eldest son and your eldest daughter-in-law asked me to borrow money, and the interest they offered was much higher than what you gave them. They asked me to give them a monthly interest of 1 penny, but I didn't even agree to that.
But, Uncle San, you are different. Since you have spoken to me like this, I have to take care of your favor and face no matter what!
So be it, I'm too lazy to bargain with you.
At a fixed price, I will lend you 2,500 yuan, with a profit of 2 cents, and will be settled every month. "
The third aunt frowned and said: "Two thousand five thousand, two cents profit, settled every month?
Doesn't this mean that we have to pay you fifty yuan in interest every month?
Is this too high? No way, no way! "
"No, forget it if it doesn't work." Cao Zhiqiang said with a slight smile.
"No, no, no, no, no, no, no, no," the third uncle said quickly, "Cao Zhiqiang, two points of profit is two points of profit, but can you increase the capital?
Two thousand and five thousand is too little. It is not enough for my daughter-in-law to open a restaurant. You can add another five hundred, three thousand, three thousand!
In this case, the interest I can give you sixty per month is quite a lot. "
Cao Zhiqiang sighed: "Okay, three thousand is just three thousand. Who made you my third uncle? I will sell this noodle."
"That's a good relationship." The third uncle said with a smile, "I'm here to accept your love."
At this time, the third aunt suddenly smiled and said: "Zhiqiang, if that's the case, just look at the mortgage on this property. You don't know who we are. I promise to pay back the money."
Cao Zhiqiang sighed: "Aunt Three, of course I believe you, but that's not how things work out.
Although I can trust you two elders, we are not relatives after all.
If you easily borrowed 3,000 yuan from me without any mortgage, what would happen if the news leaked out?
By then, everyone who wants to come to my place to enjoy the autumn breeze will come to me to borrow money.
All of these people are either neighbors or neighbors. They often tell me that they are kidding me when I grow up, and they try to kidnap me morally from time to time. Should I borrow it or not?
If you don’t borrow money and offend others, if you borrow money and don’t get it back, you will still offend people. I am not a human being inside and out, so why bother?
So, when I ask you to mortgage your property, I am telling everyone that if you want to borrow money from me, no matter how good your relationship is, you will have to settle the accounts.
In this case, if someone asks me to borrow money again, they must consider it carefully and not think about borrowing money and not repaying it.
In addition, the reason why I want such a high interest rate is not to make things difficult for you, but to make others quit.
After all, even you two borrowed money from me at such a high interest rate. If other people knew about it, they would not dare to borrow money from me easily.
This saves me a lot of trouble.
You two elders said, is this true? "
The third uncle and the third aunt looked at each other, and then the third uncle gave a thumbs up to Cao Zhiqiang:
"Cao Zhiqiang, you are still the best, otherwise with so many people in this courtyard, you are the most profitable and the richest.
Now it seems that you did not rely on luck, but on your true ability to make money, unlike people like Xu Damao who make money through deception and abduction. "
Cao Zhiqiang smiled: "Okay, Mr. San, don't blame me. Just tell me if it's okay. If it's okay, we'll sign the contract now and I'll give you the money on the spot."
Uncle San's eyes lit up: "Really? You, you have three thousand yuan on you now?"
Cao Zhiqiang chuckled and did not answer.
"Old woman!" The third uncle said to the third aunt quickly, "Quickly, go get paper, pen, ink pad and copy paper. By the way, there is also a property book!"
Third Aunt nodded quickly: "Hey, wait, I'll go right away."
After saying that, the third aunt hurriedly went to prepare.
Soon, the third aunt brought paper, pen, ink pad, carbon paper, and of course the property book.
Then, Uncle San personally wrote a contract in duplicate. After Cao Zhiqiang saw that it was OK, they signed and fingerprinted it together.
In this way, a simple loan contract is drawn up.
By the way, in this contract, Uncle San wanted to write down all the interest, but Cao Zhiqiang refused to allow it and just wrote an IOU.
In other words, this so-called contract is actually an IOU, which only states who borrowed so-and-so for how much, what the collateral is, and the loan period. Nothing else such as interest is mentioned.
The reason is very simple, that is, Cao Zhiqiang does not want to cause trouble.
If you take an IOU, at worst, you can get your principal back with the IOU. This is protected by law.
But if interest is added to the IOU, especially high interest such as two-cent interest - it is illegal these days!
Of course, people these days are not as shameless as later generations. They basically abide by the spirit of the contract and rarely fail to pay back the money they borrow.
Especially Uncle San, Cao Zhiqiang is even more at ease.
Not to mention that Uncle San is a shameless person, but that Uncle San has accumulated a lot of savings over the years, only three thousand yuan, and he can definitely afford it.
After the contract was signed, Cao Zhiqiang took out three hundred unity sheets from his arms and gave them directly to the third uncle.
Afterwards, the original handwritten contract and the property copy of the third uncle’s house were held by Cao Zhiqiang, while the copied contract was held by the third uncle.
The transaction was successful and everyone was happy. Then Cao Zhiqiang left the third uncle's house without staying any longer.
As soon as Cao Zhiqiang left, the third aunt said to the cheerful third uncle: "Old man, what's the point of having fun? That's two cents profit. It only costs sixty yuan a month. Can you afford it?"
"Why can't you afford it?" The third uncle smiled and flicked the copied contract with his finger, "If you dare to lend it, I dare to lend it to you. We will make a lot of money this time!"
"How do you make a lot of money?" asked the third aunt.
The third uncle said with a smile: "Have you forgotten that last time our eldest son and his eldest daughter-in-law came to borrow money? The money will have to fall on them."
"What do you mean?" Third Aunt asked with a frown.
"Are you really confused or are you pretending to be confused?"
The third uncle shook his head: "Well, think about it, weren't our eldest son and eldest daughter-in-law anxious to borrow money from us to invest in opening a restaurant last time?
I didn't agree before, not only because I was afraid that if they lost money in business and something happened, they would not get the money back, but also because we had saved the money on a regular basis, it would be too uneconomical to take it out now.
This time it's different. We borrowed money from Cao Zhiqiang without touching our capital, and we can lend it to our eldest son and eldest daughter-in-law to earn the difference. "
"Lending money to the eldest son?" The third aunt frowned, "Didn't you say to invest in shares?"
"What kind of investment should I invest in?" The third uncle shook his head.
"Investing in shares is equivalent to giving them free money. If you want to get your money back, when will it be over?
And if we lose money, our money will be wasted.
So, I plan to lend them money and charge interest, which is not much, but ten percent of the interest!
So you see, I borrowed money from Cao Zhiqiang and gave him two cents in profit.
Then I will lend it to our eldest son and eldest daughter-in-law and make them very profitable.
This time, we didn't do anything, and we got eight cents every month for nothing.
Three thousand yuan and eight cents profit is equivalent to 240 yuan per month, which almost doubles in a year.
If you add it up yourself, which one is more cost-effective? "
The third aunt blinked: "Oh, borrowing money is still a good deal, but old man, what if our eldest daughter-in-law loses the money?"
"This is easy to handle." The third uncle said with a smile, "Do you know why I am so happy to let you take the real estate capital as a mortgage for Cao Zhiqiang?
In fact, even if Cao Zhiqiang didn't mention it, I would eventually offer to use the real estate as collateral.
I did this to show our eldest son and daughter-in-law how much we paid to support their business.
Think about it, we have all mortgaged the property capital to Cao Zhiqiang. Then when the eldest son and the eldest daughter-in-law come to borrow money from us, won’t they also have to mortgage the property capital to us?
Anyway, they are most anxious now. In order to get money, they probably agree to sell the house, let alone mortgage the property.
That is to say, the house is not easy to sell now and cannot be sold at a high price. Otherwise, Yu Li will definitely sell his house and then come back to live with us.
So I asked them for the house certificate, and they definitely agreed.
Just in case, I mean just in case.
What if Yu Lina's restaurant loses money in the end, then we still have her property, right?
At that time, the worst-case scenario will come. The eldest son and his daughter-in-law will lose money and cannot pay back the money. We can take the property book of the eldest son's family and exchange it with Cao Zhiqiang.
Let’s not talk about my face, which is quite solid for Cao Zhiqiang. Let’s talk about our eldest son’s house. It is a building allocated by the factory and is much more valuable than our shabby house. Cao Zhiqiang must agree.
Even if Cao Zhiqiang doesn't agree to change the house book, that doesn't matter.
At worst, I will give this house to Cao Zhiqiang and we will move to the eldest son's house.
The eldest son's house ownership is in our hands, and the contract we signed with him is also in our hands. Once the eldest son and his eldest daughter-in-law fail to pay back the money, his house will naturally be ours, which is much more valuable than our old house. .
If this is the case, we can still make money by exchanging houses for houses.
What's more, I don't think that guy Cao Zhiqiang is so heartless. When the time comes, he probably won't really want our house. At most, he will let me pay back the money secretly.
If we continue to cry about being poor and selling miserably, he may not even ask for interest.
After all, didn't you listen to what he said? He was mainly afraid that others would know the news and kept borrowing money from him, but he didn't take the money seriously.
Otherwise, I wouldn’t have carried three thousand yuan with me.
On the other hand, if the eldest son and daughter-in-law cannot repay the money, not only will they give us the house, but we can also continue to ask them to pay back the money every month.
We will not suffer any loss inside or outside.
If we use our own money to lend it to our eldest son and daughter-in-law, they will really lose money, and they will probably be able to default on the debt. Who knows if it is our son and daughter-in-law? I can still force them to death.
But if the money belonged to someone else, and it belonged to Cao Zhiqiang, the couple would have to pay it back, because the nature of it was different.
So you see, in the whole process, we have no risk at all.
We don’t have to touch our capital, and we don’t have to worry about being kidnapped by family ties and morals. Just by doing this, we can safely make a net profit of eight cents every month. What do you think of this business? "
"Oh, this is good, this business is good." The third aunt smiled happily.
But soon, the third aunt frowned again: "No, old man, you said, we really want to lend money to the eldest son and the eldest daughter-in-law. If it is very profitable for them, will they agree?"
"Why don't you agree?" The third uncle said with a smile, "Although the profit is very high, no matter what, you can still borrow money from us.
If we don't give them money, who else can they ask to get the money? Isn’t this business going to be impossible?
Cao Zhiqiang, you have also seen that he lent me money to give me face, but Cao Zhiqiang has no friendship with our son and the others, so why should I lend him money? "
"That's what I said." Third Aunt nodded, "But isn't the interest rate we want too harsh?
It's very profitable, it will double in ten months, and the interest given to us every month is 300 yuan!
Can the couple make a profit every month from their small restaurant business?
If it only loses money but does not make money, and it will close down soon, what can be done? "
"Old lady, that's not how the accounts are settled." The third uncle said with a smile.
"I have gone out to inquire about it. Nowadays, restaurants are very profitable. Even if you make half of the profit from one dish, it is considered light.
If they had three thousand yuan in capital, the couple would buy tables, chairs, benches, pots and pans, decorate it a little, and then hire chefs and waiters, and the remaining money would be enough to rent a store of more than 500 square meters.
A store of more than 500 square meters can accommodate at least 50 tables, right?
There are only four people at one table, so two hundred people can dine at the same time.
Even if he has two meals a day, noon and evening, that would be at least 400 people that day.
Of course, it certainly can’t be that popular at the beginning, and it’s impossible for everyone to attend.
At first, I gave them a little less, even if he only had fifty customers a day.
There are fifty customers a day, and even if each customer only earns him a dollar, this is a gross profit of fifty dollars a day.
A gross profit of 50 yuan a day, minus 20 yuan for labor, water, electricity and other expenses, is not an exaggeration to consider him making a quick profit of 30 yuan a day, right?
For thirty days in a month, the net profit is thirty yuan per day, which is a net profit of nine hundred yuan in one month!
I'd better settle for less. If there are more customers in the future, then I'll make more money.
You see, the couple earns at least 900 a month, so they only give us 300 a month in interest. The couple also makes a net 600, so tell me, who earns more? "
The third aunt blinked: "It seems that our eldest son and eldest daughter-in-law earn more?"
"That can't be said." The third uncle said with a smile, "Opening the door to do business is risky, and it is hard money, so you should earn more.
But no matter what, the money they earn from opening the restaurant will definitely earn more than the interest we ask for, and they will definitely be able to give us interest.
Besides, the reason I ask for a higher interest rate is not purely to make money, but more to put some pressure on the couple.
When the couple is under pressure, they will be more attentive in doing business and will not fool others carelessly.
So you see, I want them to be very profitable. This is to help them improve and let them run the restaurant better. Do you think this is the truth? "
"Yes, yes, you are absolutely right!" Third Aunt said cheerfully, "Old man, if you want to talk about this plan, it has to be you!"
"That is!"
The third uncle happily picked up the teapot, took a sip of tea towards the spout, then put down the teapot and said:
"If you don't have enough food and clothing, you won't have poverty. If you don't calculate it, you will suffer poverty!"
This ginger must be old and spicy! "
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