Mo Yu is still relatively smart at this time, and he has not yet calculated to the end, but after thinking about it a little, Mo Yu has already determined that in less than three months or so, the interest is already much higher than the principal, no wonder Mo Ying said that it has nothing to do with the principal, because his money is getting higher and higher in the future.

The interest rate is a little despised by this interest calculation method, which is called geometric growth.

Mo Yu calculated it in private, but Chang Po didn't calculate it at all, and when he heard that the interest was not much, he agreed: "Oh, don't worry, I'll pay you back soon." ”

Of course, Mo Ying would not simply think that a verbal promise would be enough, so she said to Chang Po: "But Brother Chang Po, you know, as the saying goes, it is good to settle accounts with brothers, so there is no basis for words, otherwise let's make a note." ”

Mo Yu still didn't speak, but Chang Po smiled and said to Mo Ying: "Sister Mo Ying, is this necessary?" How could I not pay you back, right? ”

Mo Yu smiled in his heart: "When the time comes, you won't think like this, I guess I don't know how to jump the chickens and dogs." ”

But Mo Ying still insisted: "Oh, it's okay, since Brother Chang Po is so creditworthy, it is estimated that Brother Chang Po will not find this matter particularly troublesome, this matter is actually very simple, I can write your signature and press a handprint." ”

Chang Po didn't have any other way, and time passed more and more, this matter had to be solved to the point of solving, Chang Po nodded reluctantly: "Okay, okay, then that's it, you can write it quickly, and I'll sign it." ”

After Mo Ying heard this, she quickly took a pen and paper and asked Mo Yu to write, because Mo Yu's writing was quite beautiful, and it was written relatively clearly, Mo Ying's expression just now was a little unclear, and if Mo Yu, a very clear person, could write it completely, and it was short and clear.

Mo Yu glanced at Mo Ying, and I knew all about your little ninety-nine, but Mo Ying was not afraid at all, as if he knew that his brother would not demolish him.

Mo Yu casually took the brush and began to write.

Today (a few days of the month) Chang Po borrowed Mo Ying 700 Yu, from now on it is zero days, tomorrow is the first day, the interest from the first day to the seventh day is one Yu, and the interest from the eighth day to the fourteenth is two Yu, for example, every seven days the interest rises twice within the range, and the previous interest must be superimposed, that is, one plus two plus four plus eight, etc., the interest received has nothing to do with the principal at all, and the interest and the principal are not superimposed, and they need to be paid off within three months.

Lenders:

Borrower:

Borrowing Date:

Mo Yu's writing is relatively clear, Mo Ying first glanced at it, and then asked Mo Yu to write another copy, and it was to be written word for word.

Mo Yu felt quite funny doing this, so he wrote another one word for word.

After writing it, Mo Ying signed both names and pressed the handprint, which seemed quite formal, but this time it was a black handprint, and he couldn't find a red ink mark now, after all, it was not particularly easy to find, and it seemed a little troublesome if he really bleed.

What's more, it still hurts a little, so I gave up this kind of behavior, and in the end it became like this, a mudra pressed with ink.

Mo Ying showed the two notes to Chang Po and asked Chang Po if he had any opinions.

Chang Po is actually not stupid and completely understands this mode of operation, the first reason why he agrees with this mode of operation is that he did not calculate the back, if you use your brain a little to calculate the back, you will know that this trap is very big.

The second reason is that I feel that I can repay it within a month, and if I can repay it within a month, it doesn't matter if I can pay it back within a month.

But one thing is obviously that neither Mo Yu nor Mo Ying thinks that he can pay back the money within a month, which means that as long as it is two months or even less than two months, Mo Ying has already earned.

If you can get 1/3 of the interest, it is already a very high loan shark.

Even if the Inquisition is not within the scope of the law, that is to say, other calculation methods are calculated because of this interest rate, or with principal plus interest or without interest, the calculation method is very clear.

However, the peculiarity of this calculation method is that the interest rate for calculating interest will not be the same every month, and it is difficult to summarize a good rule.

Although the law of the extreme country strictly prohibits the private sector from making excessive loans, once this happens, there is no need to give any reason, and it will be judged directly within the range of interest rates similar to those of the bank.

The main reason is that if private loans have the same interest rate as the bank, the cost of their recovery will be very high, and the difficulty of recovery is higher than that of the bank, which means that they need to bear huge risks.

This is the main reason why it is not particularly prosperous.

Chang Po felt that there were no other objections, and then signed the word, and also pressed a handprint, and the three of them seemed quite formal.

Of course, it would be more formal if there was a guarantor written on this paper, but unfortunately one thing is that Mo Yu would not do it like this.

This guarantee will definitely not be done, Mo Yu has completely calculated this thing, he obviously knows that this is an act of rubbing the sidelines, that is to say, even if he goes to the trial hall in the future, it is uncertain how to deal with this matter.

At least Mo Yu hadn't heard any such examples before, of course, it was just a fool like Chang Po, anyone who borrowed money would take a good look at the calculation of this interest, how could he make a decision on the spot, except for those gamblers.

In duplicate, one each for Chang Po and Mo Ying, Mo Ying also put this thing away, and looked very satisfied with Mo Ying's appearance.

Mo Yu didn't know where Mo Ying learned this thing, and he was still cheap, and he might really be able to succeed when he encountered such a person who was in dire need of money.

Mo Ying was also very refreshing, and directly gave the money to Chang Po, and after seeing this money, Mo Yu sighed again: It's still his sister who is rich, and seven or eight hundred Yu took it out casually, without even blinking.

Mo Yu knows what his sister is thinking, this IOU is a good proof, and the service is a very good evidence, if he sees Chang Po in the future, it will definitely not work.

This already has legal effect, no matter how old you are, this thing is signed, and when you arrive at the trial hall first, the trial hall will also accept the case.

And after seeing such a precedent, the court will be very happy, because when a new type of case appears, if it first appears in a certain city, this court is a pioneer, and other levels of court halls will more or less look for case files here and then investigate this matter, the main reason is that as long as there is a precedent, then there will be more later, and this kind of case handling method is a very good reference for them.

The court doesn't care how old you are, and you directly let the parents of the guardian come to the trial together, you must make this matter clear, and there is one most important reason, if this matter is clarified, and a certain law has been improved.

There is a certain reward for this court, and the reward is directly issued at the district level, as for the amount of reward, it doesn't matter, but this face must be very cool.

Chang Po got this 700 Yu and immediately gave it to Mo Yu: "Come and give it to you, you see that your deduction and search are not as good as your sister, you really let you live so big for nothing, so why don't I move this thing away?" ”

Of course, Mo Yu is the happiest, because he doesn't need to take any risks now, he now has seven hundred Yu in his hand, and if he returns five hundred Yu to his mother, then there are two hundred Yu left, but he also has two hundred Yu in this gift.

In other words, he only spent a hundred yuan to give a gift, which is of course acceptable to Mo Yu, and this gift was originally to be given, which means that this hundred or so can be regarded as lost and recovered.

Of course, money is not generated out of thin air, and the money on Mo Ying's side is not generated out of thin air, since both of them are very profitable, then someone must have to lose, the first is the small head, that is, Zhong Liyue lost the money of the glass box of one hundred Yu, and the second is the big head.

It is unknown how much money this big man lost, and perhaps over time he will push out all of his father's property.

I believe that it will only be half a year, if Chang Po does not repay the money, all his father's money is estimated to be lost by his account.

Although this thing looks very bad, the reason why Mo Yu didn't stop it is that he wants to teach Chang Po a lesson, and the interest paid in the end will definitely not be as much as calculated, Mo Yu will say something more or less in the middle, but if Chang Po experiences this matter, he can always feel a kind of fear.

Don't let Chang Po usually be arrogant, after all, being a man is really not a good thing sometimes.

Mo Yu was very happy, so he directly pulled the car at home and sent this thing over, and the two of them pushed the cart and the other held the glass cylinder, and sent this thing to Bai Yunyi's house.

Originally, Bai Yunyi was also unreasonable, which means that this thing is naturally the happiest, and if he can't, he doesn't lose too much.

Anyway, this matter is not very good for Chang Po, but for Bai Yunyi, it is naturally happy, Mo Yu only regrets one thing at this time, that is, he finally bought such a big old turtle, but now he is about to give it away, and it has not been hot in his hands for a long time.

Bai Yunyi brought them home, and it happened that Bai Yunyi's parents were not at home, so it seemed that they were quite busy, and only a few long-term workers were doing some work inside.

Changgong didn't say hello to them, and they continued to be busy with themselves, and Mo Yu and Chang Po helped Bai Yunyi put this fish tank into the house, and there were still many small fish and shrimp in it.

Bai Yunyi was very happy to see it, but Chang Po almost attributed all the credit for this thing to himself: "Yun Yi, I gave this thing to you, and I bought it from Mo Yu's hands." ”

Of course, Mo Yu must make it clear, although this is indeed Chang Po's big deal, but Mo Yu will only feel that he has made money when he tells this matter, otherwise he will still lose a hundred.