"Boss Liu, do you do this because you don't want me to live?"
"Haha...otherwise why would I carry a coffin? Either you die today or I die! No matter who of us dies, we can all live in this coffin!"
As expected of a gangster, Liu Saner played the role of a gangster so vividly that even Song Che, who was watching the show, couldn't help but give him a thumbs up.
"Boss Liu, it's not that I don't want to pay back the money, it's... I'm really short of money. I have an eighty-year-old mother and a three-year-old son. The business of the pharmacy has been sluggish recently... You think this is not the case, and you can give me more grace." In a few days, I will definitely raise all the debt and return it to you!"
The old man operates normally, first crying and screaming to gain sympathy, and then using excuses to delay time.
"Are you short of money?" Liu San'er grabbed Wang Deshun's clothes, "Is this material made of brocade? Is this scarf also made of mink? Even I, a gambling shop owner, have to think twice before buying such a set of clothes. Not to mention you are the only one who opens a pharmacy;
Don't pretend to be in front of me. I checked when you came here. Your parents died five years ago. You only have two daughters, but you have five wives and concubines. Last night, you went to Ziwei Pavilion to have fun. Just having fun... Boss Wang, if you are poor, are there any rich people in Hangzhou? "
Wang Deshun lowered his face and said coldly: "Boss Liu is from Suzhou. You may not know that the owner of Tianxia Bank is my relative. I borrowed money from my own family. What qualifications do you, an outsider, have to collect debts?"
"I expected you to say that, then look who he is?" Liu San'er raised his hand and pointed to the crowd.
Song Che held a deed in his hand, strode out of the crowd, and gave Wang Deshun a smile.
Wang Deshun's expression changed drastically, and he obviously recognized Song Che.
"Boss Song... when did you... come back?"
"It doesn't matter when I come back. What's important is that you have to pay back the money today, not even a cent short." Song Che opened the deed and said:
"In May of the previous year, you borrowed one thousand taels from Tianxia Bank and agreed to repay it after seven months. The daily interest was 5 cents, which is one cent and a half cents a month. When converted into silver, it is fifteen taels. After seven months The principal plus interest attack is 1,105 taels;
But after the expiration of the agreement, you have not repaid a penny. According to the agreement in the contract, in addition to the daily interest, a penalty interest of 1% per day will also be added, totaling four days per month. fifteen taels;
In a normal seven months, the interest is one hundred and fifteen taels, and the overdue interest and penalty interest are four hundred and fifty-seven taels, plus interest compounding. Today you must repay the principal and interest one thousand eight hundred and thirty taels. Six taels. "
"I only borrowed one thousand taels, and you asked me to pay back one thousand eight hundred taels! You bankers all over the world have such dark hearts!" Wang Deshun shouted angrily.
"Don't you damn villain file a complaint first!" Liu San'er yelled: "If you repay the money as agreed, it will only be a hundred or so taels at most. If you don't repay the money on time, who can blame you?"
"Boss Song!" Wang Deshun hugged Song Che's arm, "The medicinal materials business has been really hard to do in the past two years, can you give me some more grace? The old lady is my cousin, and Ling's mother-in-law is also my cousin. We really We are a family, if we pay back two thousand taels in one breath, our whole family will have to drink from the northwest wind!"
Playing the emotional card?
It doesn’t work here with Song Che!
"Okay, Boss Wang, I won't embarrass you today," Song Che took out a deed from his sleeve, handed it over and said, "Recently, our world bank has launched a 'minimum repayment' project. You can borrow money according to the The repayment period is one month, and there will be no penalty interest after the change, but the daily interest will still be calculated at 5 cents, and the extra money will be added to the next month's repayment amount."
Wang Deshun took the deed and looked at it for a while, then asked: "You mean, I only have to pay back 180 taels this month, and the remaining 1,600 taels will be paid next month?"
Song Che said: "Today is October 3rd, and there are still 30 days until next month. You need to pay back 1,830,600 yuan this month, and the remaining 1,652 and four hundred yuan." One hundred cents is charged with interest at the rate of five cents per day, which means the interest is twenty-four taels and eight hundred cents per month, which adds up to a total of one thousand six hundred seventy-seven and four hundred cents, and so on."
"Boss Song, can I divide the more than 1,800 taels that I owe over six months, okay? This has already accrued more than 800 taels of interest. If we continue to calculate like this, I will pay at least two thousand taels for the full repayment. Two!"
"I'm sorry, our bank currently does not support bill installments. It may be available in the future, but not currently," Song Che firmly denied, and then said: "Boss Wang, if it weren't for the fact that you and I are still related, I won’t let you pay the minimum repayment, and I tell you, your creditworthiness has been recorded by my bank. After repaying this money, you and your family will never want to borrow money from my bank again.”
Wang Deshun let out a long sigh, having nothing to say until now. He signed the deed and paid the minimum repayment of silver, and then Liu Saner asked someone to carry the coffin away.
"Uncle, your minimum repayment is really impressive. For the customer, it can reduce the repayment pressure. For us, we can still eat interest every month. If he keeps arrears, we will always have interest. If this is a loan There are so many people here, even if we don’t work, we can still count money while sitting at home. When we return to Suzhou, I will also start the minimum repayment business!"
Along the way, Liu San kept giving thumbs up and praising him.
Song Che secretly sighed in his heart, in fact, engaging in loan business, although it is a willing to fight, but it is somewhat against the conscience.
"As long as we know this kind of thing well, it's not worthy of praise... Also, after the introduction of the minimum repayment, there will definitely be more and more loan customers. Your enthusiasm for collecting debts just now is very good, I was thinking Set up a special 'collection shop', you will find someone to serve as the shopkeeper, and I will pay for it."
"Oh...that's great! Thank you for your appreciation!"
"But I said in advance that you are not allowed to go to those local gangsters who are not doing their job properly. You can use some appropriate methods when collecting debts, but you must not hurt people. Do you understand?"
"Uncle, please be careful. I will only be worse than him when dealing with an old guy who doesn't pay back the money he owes! If I wait for a long time, he will get impatient and he will naturally pay back the money."
"Now, this is called professionalism."
