One day at the end of August, Splendid Residence Apartment.

Splendid Residence is a duplex duplex apartment developed by Wanya Real Estate Company. Aiming at the design concept that can not only create a perfect three-dimensional space experience for residents, but also have the comfort and noble life enjoyment of the mansion, the houses here are very popular with the working class. In addition, the community is built near the lake, the greening is very good, the property company has a good reputation, and the overall environment is quiet and very suitable for living. And the users who live here have a cultural level, and they are usually very quiet.

The design of the house is estimated to consider the effect of ventilation, and the two elevators are located in the middle of the floor, and there is a passage of about 3 meters between the two households on both sides. Like a lying "medium" zigzag, the fence on the passage is more than a meter high, and the two sides are suspended in the air.

Magnolia has a slight fear of heights, and she was always a little nervous when she first walked these few meters, and she slowly got used to it after living for a long time.

Room 2202 is a three-bedroom and two-living room unit with a construction area of about 90 square meters. Downstairs is designed with two living rooms, one kitchen and one bathroom. On the left hand side of the door is the bathroom, on the right is the kitchen, and the kitchen is on the stairs. A simple partition was made on the side of the staircase, separated by a small dining room and a living room connected to the balcony. Upstairs there are three bedrooms, two facing south and one facing north. Up the stairs is a passage of about 1.5 meters. On the left side of the corridor is the master bedroom where the in-laws live, and on the side is a small bathroom. On the right side of the aisle is the children's room of his son Lei Lei. The front bedroom is about the same size as the master bedroom on the left, but with an additional balcony of about 6 square meters. Chen Yulan transformed the balcony into a small study, which is usually used as a leisure area.

The house was bought three years ago, and the average price was less than 15,000 when I bought it. At that time, the landlord failed to speculate in the stock market and was in a hurry to use the money to sell the house. Despite the fact that the rental contract still has two years to expire, he would rather lose money than drive people out. Yulan, who has moved three times in seven years, is really tired of moving, and this kind of life with no fixed place to live, always worried about being driven out by the landlord, is really not happy, so she mobilized the whole family and gritted her teeth and made a decision: buy a house!

It just so happened that Yulan's husband Lei Lin had paid off the balance of a project completed before, and Chen Yulan's own clothing studio gradually improved. The landlord was in a hurry to sell the house at a low price, so the two borrowed a part from relatives and friends, paid a 40% down payment, and took out a loan to buy the house.

Afterwards, Magnolia was extremely glad that she had made this decision.

Because the second year after buying the house, the newly completed Cigna Life Plaza next to the Splendid Residence was put into use, and the prices of the surrounding commercial houses went up like a rocket. By this year, the average price of houses here has risen to 30,000 square meters. Chen Yulan often receives calls from real estate agents asking if she wants to sell her house. The money owed to relatives and friends has been paid off, and the remaining part of the bank mortgage, about 6,000 yuan per month, is still within the affordable range of Chen Yulan's current financial ability. So Chen Yulan was really annoyed by the phone call from the real estate agent.

During the summer vacation of school, my in-laws brought Lei Lei back to the countryside, which is called experiencing farm life. At first, Lei Lei was very unhappy, and he called twice in three days to say that he was not used to coming back. However, after a long time, when the little friends in the township returned home one after another, everyone ganged up, going up to the tree to dig out bird eggs today, and going down to the river to fish and shrimp tomorrow, and having fun. Before school started, he didn't want to come back, so he specially called Chen Yulan and told him to ask his father to pick him up a few days later, which made Yulan cry and laugh.

And Lei Lei's father, Lei Lin, is rushing to work on the new construction project, and has been soaking in the construction site for more than a month, and sometimes he is too busy to call home.

The midday sun was very scorching. Magnolia is prone to heat physique, and it is easy to sweat when it moves, thinking that there is an assistant Xiao Wang staring at the studio anyway, and the new design drawings can be done at home, so I simply hide and nest at home.

In the quiet afternoon, Yulan was the only one at home, and it seemed empty, so the knock on the door was particularly abrupt.

Magnolia curled up on the sofa talking to a friend on the phone, heard a knock on the door, and casually put the phone on the table, barefoot to open the door.

"Which one?" asked Magnolia casually.

"Lei Lin lives here, right?" replied a flat male voice.

"We will pick up the courier by ourselves when the courier is placed in the courier cabinet, so why bother to come to the door. Magnolia said as she pressed down on the doorknob.

The moment she opened the door, Magnolia realized that something was wrong, a white shirt, a blue tie, black trousers, and a pair of white-collar elites.

Magnolia reacted and quickly pulled the doorknob inside, but the man in charge put his foot on the threshold, and the other man took the opportunity to open the door and squeeze in.

Yulan was panicked and scared, so she simply pushed open the door and shouted angrily, "Who are you? What do you want to do?"

The man at the head has an elegant face, very gentle. He said unhurriedly: "Don't get me wrong, Ms. Chen, you are Lei Lin's lover, right? There is a loan involving Mr. Lei Lin, and we have not been able to contact him, so we have no choice but to find your family. ”

Yulan's heart was relieved, and then she brought it up again, "What kind of loan? Why don't I know?"

"Your husband has guaranteed a million-dollar loan, and the borrower is no longer in contact, so we have to find a guarantor. The other thin-faced man said with a mean face.

It was obviously a hot summer, but Yulan's whole person was like falling into an ice cellar, cold from head to toe. She forced a laugh, "You must be mistaken. ”

The Sven man sat down on the couch and slowly took out a document and handed it to her.

The words "loan contract" on the head of the document stung her eyes. Holding her breath and reading the entire contract, Yulan felt a ball of wet cotton stuffed in her heart, which was blocked and painful. She can't wait to rush to the construction site and unload Lei Lin in pieces.

The borrower on the loan contract wrote Du Tengfei, the loan amount is one million yuan, what service fees, interest, insurance and other expenses are combined, the monthly interest is as high as 10%, the repayment period is three years, and the designated account is deducted from the designated account every month. In the guarantor column on the last page, Lei Lin signed the two words with dragon and phoenix dance, which was very imposing.

Magnolia was going crazy.

Who is Du Tengfei? That's just a small contractor foreman! He has a dozen or so people under him, and he will do the work here today, and wander around tomorrow if he doesn't have a job. The only property is nothing more than a second-hand Jinbei car. Such a person has the confidence to borrow a million, and he actually let him borrow it!

And Lei Lin, was he stupid when he was kicked in the head by a donkey? Dare to vouch for such a person, especially if he borrowed from a loan shark? If it was only 100,000 yuan, maybe he would be able to fool him by gritting his teeth for the sake of brotherhood. But a whole million will be half the money of the house.

Yulan's heart is dripping blood! Call you cheap! Call you cheap! Is the guarantee contract so easy to sign? I think life is too happy, right?

Yulan was roaring in her heart, and the loan contract in her hand was pinched and distorted.

The fast-talking man lay down on the sofa, lifted his feet and trembled, and his mouth was still adding fuel to the fire: "You people are really, when you borrow money, you say all kinds of good things, and when you repay the money, you shirk it in every possible way." I don't know if the monk can't run to the temple? Today you have to give us an explanation. On a hot day, we still come all the way here, is it easy?"

Yulan was amused, "You're not mistaken, right? I'll give you an explanation? It was Du Tengfei who borrowed the money, and he had a half-cent relationship with me? Can you bear to go to his house? What are you going to do at my house?"

Sven Nan raised his hand to stop the fast-talking man's words, and then said to Yulan unhurriedly: "Ms. Chen, don't be angry, the main thing is that we can't contact Mr. Du Tengfei now, and the address and phone number he left before have become invalid." So we can only find Mr. Lei Lin as a guarantor. If you can contact Mr. Du Tengfei and ask him to pay back the money, then we don't need to look for your husband. ”

Yulan slowly calmed down, leaving the two men to call Lei Lin.

"What's the matter with the money Du Tengfei borrowed?"

Yulan's tone was very calm, there was silence on the other end of the phone, and Lei Lin pretended not to speak.

Yulan's anger came up again: "You can't do something reliable? Can such a thing as borrowing usury be guaranteed to people? The debt collector has come to our house, what do you want me to do?"

Lei Lin said helplessly: "I'll talk about this matter when I come back, you send people away first." ”

Magnolia was so angry that she dropped the phone.

She said to the two men angrily: "Although I don't know about the guarantee law, I can be sure that it is not legal for you to find me." Now, please leave my house at once!" As he spoke, he drove people out.

The fast-talking man pouted: "Ha! The guarantor is your husband, your husband is not there, why is it not legal to look for you?" We are willing to tell you now, if you don't cooperate, the company will increase its collection efforts, and it will not be so easy to talk if you directly let the debt collection company come to the door. ”

Yulan wanted to smack him in the face, rolled her eyes, and stood outside the door to make a look of "it's good to go, but not to send it".

Sven Nan was still polite, sitting on the sofa peacefully, without moving his feet for half a minute. "I hope you'll cooperate with us. We don't embarrass you, and you don't embarrass us, everyone can discuss, right? ”

Magnolia's face was calm, and the heat wave came to her face, blowing her whole body impetuous. She walked quickly to the coffee table, grabbed her mobile phone, grabbed her slippers, and walked out the door in a hurry. As you walk, you make a phone call and prepare to call the police.

"Hey, 110? This is the Splendid Garden, and there are loan sharks......

Before he finished speaking, a strong attack came from behind him, and the mobile phone smashed into the ground with a crisp sound.

Chen Yulan planted herself to the left of the passage.

She glanced back stiffly, and her pupils reflected the indifferent face of the quick-talking mean man. Seeing his expression like a change of face, indifferent, ruthless to the point of panic.

When she first moved in here, Yulan once joked with Lei Lin that this corridor looked very insecure, and if she fell down one day, she would be crushed. At that time, Lei Lin also laughed at her for opening her brain too much, saying that she was unfounded.

But now, the proverb has come true.