Chapter 348: Got the shop 1
This unfamiliar and unheard-of vocabulary of installment payment shocked Mrs. Xue and Xue Ruyue deeply.
Moreover, the explanation of installment payment was too general. The two of them were silent, thinking about the meaning of it.
Bi Yuntao saw the confusion on their faces and smiled slyly, "To put it bluntly, this installment payment is to pay a part of silver in advance, and then pay a period of one month, several months, or several years at a fixed time every month. Please hand over a fixed amount of silver."
"It's like saying that Mrs. Xue sells my shop for 100,000 taels of silver. Now I can't get that much. You can pay 10,000 taels of silver first, and the remaining money plus interest can be used within ten months. Eleven thousand taels of silver will be delivered to you every month on this day.”
"When I finish delivering the ten-month silver, Madam, you will have received one hundred nine thousand taels of silver inside and outside. Not only will you not have any losses, you will also get nine thousand taels of silver for free."
"And although I paid an extra nine thousand taels of silver, kid, I can use the shop in advance for business operations."
"I have said so much, madam, what do you think of this installment payment?"
Mrs. Xue has been in the business world for many years, but this new and unfamiliar vocabulary makes her unsure whether the installment payment mentioned by Bi Yuntao is feasible or not.
It seems that I have made a lot of silver here, but seeing Bi Yuntao's evil smile, I always feel a little bit shortchanged.
"Aren't you treating this lady as a bank with your installment plan? Lend out one hundred thousand taels of silver in advance, and then repay ten thousand taels of silver first, and pay back the remaining interest and principal every month, so that you won't be found by my lady. trouble."
"No!" Bi Yuntao had a wicked smile on his face. He knew that Mrs. Xue couldn't figure out the reason for this.
It seems that Mrs. Xue has made a profit, but Bi Yuntao can use a shop worth 100,000 taels of silver in advance with only 10,000 taels of principal. As long as he does not lose money, he can use the monthly shop profits to deliver it.
A business that is basically a guaranteed profit without loss is simply a waste of money.
As for whether you will lose money? That is impossible.
As soon as we entered Jinling City, we saw the bustling main road. It was a sea of people and traffic. Their carriages could hardly move, which showed how prosperous Jinling City was.
With so many people in Jinling City, he can't earn eleven thousand taels of silver every month? Even if he can't make money, he's not afraid. He has 400,000 taels in his pocket, which is a mere 109,000 taels of silver, just like that!
As for why he didn't just buy it directly and had to pay in installments, do we need to say more? Men with families understand everything.
Are you saying he is henpecked? joke! He saved it to add gold and silver jewelry to Xue Ruyue later. When a couple has been together for a long time, small surprises from time to time will not seem dull.
"This is different from borrowing money from a bank." Bi Yuntao said with a smile, "I don't need to say how high the bank's interest rate is. Madam has been working hard in the mall for so many years, so naturally she has to come into contact with the bank, and her debt collection methods are even better than mine. Also understand.”
"Besides, Madam doesn't need to give me money. I just sit at home and the money comes from the sky. Madam doesn't have to worry about it. It's a guaranteed profit without losing money."
"What you said sounds nice!" Mrs. Xue has been thinking about it and feels that this method is still feasible.
"The installment payment you mentioned is indeed feasible. But what do you use as security? Who should I go to get the money if you run away?"
"Madam, you can rest assured that the land deed is still in your hands, and with Ru Yue's relationship, it's impossible for me to run away."
"No! You are completely unconvincing." Mrs. Xue refused sternly, "Ruyue is my daughter, she cannot be a guarantor. Moreover, the land deed cannot be given to you in the first place. You have to find a guarantor or someone with a certain value." Only something comparable to one hundred thousand taels of silver will do."
"How about this!" Bi Yuntao knew that Mrs. Xue would not agree and had no hope at all.
"I'll write an IOU and stamp it with my seal. It's written in black and white. This way, even if I run away, madam, you can go to the government to file a complaint."
"No!" Mrs. Xue still didn't let up. "Are there many examples of banks failing to collect money? Even if you write an IOU and file a complaint with the government, it will be difficult to recover it. It will only turn into a bad debt."
"Madam, have you forgotten the identity behind me?" Bi Yuntao said with a smile, "As the saying goes, a monk can't escape a temple if he can't run away. Although I have been demoted now, my house in Prince Qi's Mansion is real! "
"As far as I know, you and the Empress have an old relationship. Moreover, my concubine loves Ru Yue very much and wants to show her heart and soul. She stayed with my concubine for a while. I believe that my concubine must have confessed that she has If you have any difficulties, just send someone to tell me, and my mother will definitely help."
"Is what Ru Yue said true?" Bi Yuntao's words stunned Mrs. Xue. Her eyes widened in disbelief and she looked at her daughter.
"Well!" Xue Ruyue was a little embarrassed by Mrs. Xue's stare, and nodded with a blushing face, "Although what he said is not very accurate, the imperial concubine did mean this, and when her daughter left, she would return it to her daughter. A lot of gold and silver jewelry and silver notes were stuffed, far more than one hundred thousand taels."
"Madam, are you relieved this time?" Bi Yuntao chuckled, "Madam, you may not know that my mother-in-law fell in love with Sister Xue when she first saw her. She almost treated Sister Xue as her own daughter. "
"In that case, just write the IOU as you said!" Mrs. Xue did not expect that her daughter was so loved by the imperial concubine. At the same time, it also reassured Mrs. Xue a lot. At least in the future, Ru Yue's mother will be more valuable because of her son. , with the imperial concubine dealing with it, Ru Yue would not be bullied.
"As long as Madam agrees!" Madam Xue's resignation made Bi Yuntao very satisfied.
He didn't believe it. He had used his mother-in-law's trump card. How could Mrs. Xue disagree? Others didn't know. Didn't he know the mother-in-law's attitude toward Xue Ruyue?
When his mother and Xiaolan went to the prison to see him, he discovered that his mother's favorite phoenix hairpin was missing. At first he thought he didn't bring it with him, until he woke up from a coma and saw Xue Ruyue with the hairpin on her head. Feng Chai, he understood his mother and concubine's thoughts.
The mother-in-law even dared to give the phoenix hairpin that represented her identity to Xue Ruyue privately, just because she was afraid that she and Ruyue would be in trouble in the future and could use this phoenix hairpin to seek help.
"Sister Xue, you also know that my handwriting is really ugly, so I have to ask you, Sister Xue, to ghostwrite for me." Bi Yuntao looked very embarrassed when he mentioned his handwriting. It was so ugly. It’s simply unbearable to look at!
