"Hehe, no, hurry up and please come to the house!" Song Xing wished that someone would interrupt his predicament of pretending to study, how could it be an interruption!

Shredded tobacco, hot tea, and white-flour steamed buns are served!

Er Mazi is not polite, self-cooked, grab a steamed bun and eat, eat too fiercely, choked in a panic and drank a sip of tea!

The strong man who came with Er Mazi was very restrained, sitting there with a pair of calloused hands on his knees, his sallow and blackened lips squirmed a few times, as if he was considering what to say!

As soon as he saw this person's expression, Song Xing knew that this person was here to borrow money, and if he was saving money, there was a chance that he would have grabbed steamed buns a long time ago!

The reason why Er Mazi is so open is that he should be a middle-aged person!

Song Xing said before that people in the outside village are also open to borrowing, although the threshold is lowered, but there are still conditions, either there is a daughter who marries into Yangjiagou to the family and guarantees the mother's family, this estimate will take some days before there is a business, and the other is to let Yangjiagou itself have people who save money to be the middle people!

The person who saves money is purely from a commercial point of view, which is actually similar to taking a passbook to take out a loan in the future, almost without any risk!

For example, Er Mazi has saved eight times of money here, so he can lend out a little more than seven times as a middle-aged person, and the upper limit of the general loan is ninety percent of the money saved!

"Oh, Song Xiucai, this is my cousin, Bai Chongwu of Shilipu, I want to borrow three times, I am a middle-aged person, can I borrow it?" Er Mazi finished eating a steamed bun, and saw that Song Xing and Bai Chongwu were looking at him, and couldn't help but say.

He was so focused on eating that he forgot to introduce it!

Although he and this Bai Chongwu are cousins, but in this era when food and clothing can't be solved, the relationship between relatives is very pale!

After Bai Chongwu heard that Song Xing could borrow money here, he found Er Mazi and wanted Er Mazi to borrow money, and after borrowing the money, he gave Er Mazi a guarantee fee of 100 yuan!

No way, no one will resist this loan for you for no reason, if you don't pay it back, then Song Xing will deduct Bai Chongwu's loan from Er Mazi's deposit!

"Look at what you said, Ermazi, you are a middle-aged person, there is a reason not to borrow, and besides, Brother Bai is all the way from Shilipu, you can't let people go back empty-handed!" Always be more enthusiastic than the customer, this is one of the service principles!

"Hehe, that's good, that's good!" Er Mazi glanced at Bai Chongwu very proudly, as if to say that he still has face here in Song Xing!

"Thank you Song Xiucai!" Bai Chongwu has finally breathed a sigh of relief since he entered the house!

"Ding, system detection begins!"

"Customer's Name: Shirae Chongwu! Chinese New Year's Eve! ”

"Profession: Blacksmith!"

"Marital status: married, with eight sons and three daughters!"

"Home address: No. 36, 5th row, 10 mile shop!"

"Moral performance: helpful, respect for the elderly!"

"Moral Rating: Excellent!"

"Expected amount: 3000~6000 Wen!"

"Purpose of borrowing: Open a blacksmith shop!"

"Pre-trial Result: Approved!"

is actually a craftsman, and they all say that good men don't strike iron, but these days, in order to survive, this can be regarded as a good livelihood!

"Brother Bai, I don't know what you do for a living?" According to the usual practice, Song Xing still has to ask!

Bai Chongwu squeezed out a flattering smile on his face and said, "I'm a blacksmith, I've been working for half my life, and I want to open my own blacksmith shop!" ”

Sure enough, Song Xing nodded, and immediately said, "I don't know how much Brother Bai wants to borrow?" ”

"Can you borrow four times? If it doesn't work, it's okay to run it three times! "An honest man who has been fighting all his life has never borrowed money a few times, and this opening to borrow this amount of money is for fear that Song Xing will not agree, basically according to the minimum demand!

"Hehe, Er Mazi is a middle-aged person, Brother Bai, you don't know if you say four times, even eight times will do!"

That being said, it is impossible to run through eight times, and Er Mazi has saved so much money in total, it is impossible to lend it all, in case there is a three-long and two-short, wouldn't it be a loss!

Of course, everyone likes to listen to people's praise, Er Mazi heard Song Xing exalt him like this, and he was indeed very happy in his heart, and he felt that he was about to climax in his life!

"Then 、、、 then I'll borrow four times!" Bai Chongwu bit his lip, and saw that Song Xing nodded in agreement, and then plucked up the courage to say.

"Okay, according to the interest rate of three cents, if you borrow money four times, you should repay it every month、、、、、、"

"Ding, customer name: Bai Chongwu!"

"Loan amount: 4,000 Wen!"

"Monthly interest: 3 points!"

"Loan term: 12 installments!"

"Monthly repayment: 453.33 Wen!"

"Total repayment: 5440 Wen!"

"Total interest: 1440 Wen!"

"Uh, Brother Bai, if you repay it according to the one-year period, you need to repay 454 yuan every month, and the fifteenth of each month, is there a problem?"

According to the usual practice, except for the people of Yangjiagou, all those in other villages who have a mantissa after the decimal point will be added to the whole number!

"Well, no problem, I pay it back on time on the fifteenth of every month!" Bai Chongwu naturally nodded in agreement, but he had calculated before nodding in response, if he didn't have such an income, he wouldn't dare to nod.

Although the times are troubled, blacksmiths can still make some money, but they don't have the start-up capital!

In order to borrow money, the people of later generations nodded their heads and called them simply, but in the end, whether they could afford to repay the loan with the interest on the head, they didn't have a lot of pressure in their hearts, they just wanted to borrow the money in their hands!

"Er Mazi, you are a Chinese, if you have something to say, I will make it clear to you in advance, although Big Brother Bai has the ability to repay, and I also believe that Big Brother Bai will come to repay on time, but if Big Brother Bai is delayed in case something happens, then 、、、、、、"

"I understand! As long as Lao Bai doesn't repay the money on time, it will be deducted from my money when the time comes, and I know it in my heart! "Er Mazi is a smart person, Song Xing doesn't need to be too straightforward, if he wants to earn his cousin's one hundred dollars, he must take the corresponding risks!

The risks and benefits of this, he weighed for himself!

"Hehe, that's what I said! If there's no problem, then I'll write a note! "There are three things to say, since Er Mazi understands it so well, Song Xing won't say more, anyway, the things that should be explained have already been explained!

The secured loan note is in six copies, Song Xing put pen to paper, and the three of them pressed their fingerprints!

The so-called six copies of the bill in duplicate is to add a guarantee note on the basis of the original loan note, and then each person leaves a loan note and a guarantee note!

After all the formalities were completed, Coco took out four pieces of money from the clay pot in the corner and put it on the table, and Song Xing handed it to Bai Chongwu!

Bai Chongwu was stunned and looked at the four pieces of money handed to him, his eyes were red, even though he had found a guarantee, but Song Xing was the one who made the decision, he was a person from another village and Song Xing was not related, Song Xing lent him it was love, not to borrow it was his duty!