(Chinese New Year!Xiao Fangpian is here to greet all the book friends, I wish you all a good Year of the Monkey, all wishes come true, and Zhou Ming is as rich as Zhou Ming!)

"This whole thing is not very complicated, just like Mr. Johnny, you just said yourself, no matter what leverage or not, the price of your house will not change, so in the end, these people are just taking your loan to make a profit, so officially because of this, as long as this loan suddenly disappears, then those companies are not necessarily going bankrupt?" Zhou Ming said to Johnny.

"Mr. Zhou Ming, I can understand what you say, and I also believe that as long as I go bankrupt, those bastards who live on my interest will also be doomed, but there is one thing I don't understand yet. Johnny said.

Zhou Ming stretched out his hand to signal Johnny to say something straightforward, and Johnny asked: "If I really go bankrupt, wouldn't those bastards auction my house in order to recover the cost? ”

Johnny's tone was full of worry, which made Zhou Ming feel that he was worthy of being a US imperialist, people here have a very strong sense of law, unlike many people in China who don't know the law at all, even if they have signed a contract, they will not admit it, as for the current era when the economy is just starting, there is not even a formal provision for many things, everyone just makes up a verbal agreement or some simply make up an agreement in their own brains.

But Johnny doesn't think so, and even though Brooke Investments sold his property mortgage contract to someone else, a contract is a contract, and power and responsibility are inescapable.

Zhou Ming thought about this for a moment and then nodded and said, "It's true, my idea is to let him go to the auction." ”

This answer made Johnny's eyes widen, and he looked at Zhou Ming in surprise and asked: "Mr. Zhou Ming, I don't think you may know that I only have one property, and if my property is auctioned, then my wife and I will be sleeping on the streets." ”

"I certainly wouldn't allow that to happen. Zhou Ming said to Johnny. "I mean, Johnny, if you declare a personal bankruptcy, I'll provide you with a place to stay, and I'll buy your property back for you when it's over. ”

Johnny was even more puzzled: "I am willing to believe you, Mr. Zhou Ming, but I don't understand why you are doing this?"

Zhou Ming didn't answer this question, but Omar helped him answer: "Johnny, I think a lot of people on the street have been denouncing a company called Wharton Insurance Company recently, don't you know? ”

"It turns out that the insurance company is Mr. Zhou Ming's? This is just a conspiracy of commercial revenge!"

Johnny suddenly realized, but his smile was only for a moment, and finally he sighed and said: "But Mr. Zhou Ming, I can say that I will believe in Omar and I will support you, as long as you don't let my wife suffer, but I can't guarantee that other people can think the same way as me, you know, we came to this world, the most important thing is our home." ”

Zhou Ming nodded: "I can understand this, and as a Chinese who has experienced the Spring Festival, I understand it better than you." ”

Johnny blinked, not understanding what the Spring Festival and Spring Festival were for, but Zhou Ming didn't mind, he continued: "But you still have to do your best in everything, which is why I asked Mr. Johnny to come to you today, because I will ask Omar to help me organize a community meeting in the future, I hope Mr. Johnny can help me persuade more residents in the community." ”

"I will, but I advise Mr. Zhou Ming not to get too hopeful. Johnny said.

Zhou Ming just smiled at this, and then Johnny left first because he had other things, because he was worried that there were really people from the Addams family making trouble in the community, so it was Omar who sent Johnny out of the door instead of Zhou Ming.

After Omar returned to the office, he also said to Zhou Ming: "Mr. Zhou Ming, it's not that I mean to hit you, it's really in the absence of anything else, just by yourself, even if I have a lot of confidence in you, but it's really too difficult." ”

Zhou Ming nodded and said, "I also understand this, but we can't just shrink back when we see difficulties, what do you say?"

Omar smiled slightly and said: "I completely agree, because if it weren't for Mr. Zhou Ming's insistence, I'm afraid I wouldn't be able to sit in this office today." ”

"Then I'll wait for the good news you have for me, Omar. ”

Left this sentence for Omar, Zhou Ming and Zhang Lin left, Zhou Ming got into his car, opened the pager and saw several messages from Lin Muqing, thinking that she was very worried, Zhou Ming immediately picked up the mobile phone and dialed her back.

"Zhou Ming, what's the situation over there, have you arrived at the Vinda community now?Have you met anyone from the Addams family or any other side? There are no major problems, right?" As soon as the phone was connected, Lin Muqing's anxious voice rang immediately, and she didn't care about anything else, she just asked a series of questions about Zhou Ming, which shows how much she cares.

This made Zhou Ming's heart feel very warm, and he said to Lin Muqing: "Sister Muqing, don't worry, I'm fine, I'm afraid the Addams family didn't expect me to come back." ”

Zhou Ming could hear Lin Muqing's obvious relief, and Zhou Ming continued: "I have just come out of the Vida community now, I have already met Omar, and he also introduced me to Johnny, who is very active here, and said that he will help me prepare for a residents' meeting, and will help me do more ideological work for the residents." ”

These words made Lin Muqing's heart come up again: "Will such a big event be dangerous? The Addams family will definitely get the news." ”

Zhou Ming explained to her: "My Sister Mu Qing, this is not a delegate or a campaign event, just a gathering of residents, without any rank registration, as long as the Addams family does not have core members in the Vida community, it is impossible to know." ”

Although Lin Muqing was still very worried, but now that Zhou Ming said so, she had to suppress her feelings and asked: "I hope that's the case, then Zhou Ming, how much confidence do you have in this conference? Can you persuade them to give up the property and support your idea of going bankrupt and not repaying the loan?"

"Again, do your best to obey the destiny of heaven. Zhou Ming said.

At half past nine in the morning, Zhou Ming came to the square of the Vinda community, and when Zhou Ming arrived, there were already more than a dozen black people gathered in the square.

This is not all of the Vinda community, but it is already very good, after all, this conference does not really say that all the people in the community should be invited, but it is good to invite a representative from each household or even each unit, just like the people's congress in China. But that's it, you also need to coordinate everyone's time, how to say that everyone has a job, you can't let them give up their work, it doesn't make sense.

In addition, Zhou Ming did not invite all ethnic minorities, only blacks, which was suggested by Omar, because of discrimination, all ethnic minorities are very grouped, especially blacks. In addition, Hispanics and Indians also discriminate against blacks and each other.

As for the Chinese, Zhou Ming didn't think much about it, because in more than half a year in the United States, Zhou Ming had already seen these people clearly, they were all the kind of guys who would go on cheaply and want to enjoy their rights all day long, but they would never be willing to bear the obligations. Especially compared with their compatriots in China, they will always feel a little inexplicably superior, as if they have really become white, but they don't know how low their status is in the eyes of real whites.

As for these people, if you really forcibly let everyone get together, it is inevitable that something will happen, so in order to avoid accidents, Zhou Ming decided to hold a separate meeting, first of all, the most group, and the most

"Mr. Zhou Ming, I was still talking to them about you just now!"

Suddenly, a voice came, Zhou Ming looked over, it was Johnny who he saw last time, but he hadn't seen him for two days, and this guy seemed to have gained a little weight again.

Zhou Ming went up to shake hands with Johnny and said hello, Johnny introduced to the people around him: "This is Mr. Zhou Ming I told you, he is also here to hold this meeting today, our brother Omar He can drive Both's fat pig out of the community office, and he has his help, so he is also our good brother, we should all support him!"

The black man next to him suddenly realized, but Zhou Ming glanced at Johnny more, after all, it takes a lot of courage for Johnny to be able to scold others for being fat pigs.

"So you're Mr. Zhou Ming? I heard Johnny talk about subprime loans, what is that? Shouldn't we pay so much interest?" asked a black woman.

"Before answering this question, I think I need to ask you what the interest rate is on your borrowing. Zhou Ming said.

"I'm 7.6 percentage points!" replied the black woman, but she remembered something before she could answer, "I am my friend who works for Brooke Investments, and he helped me get a preferential rate that no one else can get." ”

Zhou Ming then turned his gaze to the others, and their answers from 8 to 9 proved that the black woman was telling the truth.

Zhou Ming nodded and said, "Okay, I can tell you, but I hope you have to be mentally prepared, because as far as I know, the interest rate of the loan that Brooke Investment Company borrowed from the bank as collateral is only about 3 percentage points." ”

This answer shocked everyone, and all the black people's eyes widened in unison, and the black woman said loudly: "How can there be so little? The broker last time didn't say that, he said that the bank's loan interest rate is also very high, 6 to 7 percentage points, and I can take out a loan from him without a lot of troublesome procedures, and he gave me the best interest rate!"

After the black woman, the other black people also shouted, saying that they regretted believing the broker's words and should go directly to the bank to get a loan.

To be honest, the wide-eyed appearance of this group of black people was really scary, but Zhou Ming quickly relented, and he said: "They are all deceiving you, but there is nothing you can do, including going to the bank." ”

Zhou Ming deliberately said: "Because the real situation is them, those guys from Brooke Investment Company bought the bank and asked the bank not to lend to you, under the pretext of your credit rating, so no matter what you do, you can only borrow usury from them." ”

After Zhou Ming finished speaking, someone immediately empathized and said: "That's right, I went to the bank, and the people there said that my credit rating was not enough, so it turned out that this was all a conspiracy of Brooke Investment Company?"

Zhou Ming spread his hands: "I'm afraid I don't need to prove it, otherwise you are all people with good jobs and income certificates, and you are also people who own real estate, with such good conditions, why is your credit rating so low, and you can't even get a mortgage? ”

All the blacks nodded involuntarily after listening to Zhou Ming's words, but they didn't speak, but turned their heads to the other side, Zhou Ming looked over, it was Omar coming.