"What did you just say?"

Uncle Xing was stunned at first, and then subconsciously spit out a dialect question, a little unsure of what Su Mu just said.

"The city has awarded me a scholarship of 100,000 yuan, and I can lend it to you if you need money urgently."

Su Mu replied a little embarrassedly.

"It's not"

"You took the provincial top prize in the college entrance examination??"

Uncle Xing shook his head, still full of confusion, except for the matter of money, he actually knew that Su Mu was taking the college entrance examination this year.

Before the two of them came, in order to have fun with Su Mu and Yan Xiaoke, Yan Fuxing also specially told his grandparents not to ask about their results.

As a result, Su Mu now told her that he was the top student in this year's college entrance examination???

"Don't tease Uncle Xing, okay."

"When I met your dad two years ago, your dad joked that he would let you follow me to work."

Yan Fuxing's expression was a little strange, he still remembered the helpless tone of Su Mu's father.

said that Su Mu's grades in school were not good, he only knew how to play games secretly every day, and his academic performance was at the bottom of the class every time.

also said that he felt that Su Mu and Yan Xiaoke were very different from each other.

Therefore, Yan Fuxing didn't ask about the results of the two of them this time, because he didn't want to hit Su Mu's self-confidence.

"My dad?"

At this moment, it was Su Mu's turn to be a little confused.

Although Uncle Xing didn't say it explicitly, his look of doubt was overflowing.

The corners of Su Mu's mouth twitched unconsciously.

That's really my own father.

Although it is true that my previous grades are not good, my part-time job is still a bit excessive.

It's impossible to work part-time, it's impossible to work in this life.

Only by studying hard can you change the way your life looks.

After a pause, he explained

"Actually, I started studying hard after my sophomore year of high school, and my grades in the past two years have been pretty good."

"Well, you can actually search for my name on Baidu, I also won the first place in the poetry conference before."

Su Mu said weakly.

"There should be some information to be found."

Because the poetry conference was re-elected as the champion and was also on the hot search, plus he won the provincial champion this time, there are still a lot of his posts on the Internet.

"No, that doesn't seem like the point." Su Mu suddenly felt that the painting style was a little strange.

Shouldn't the focus be on 100,000 yuan at this time?

"Are you really the top student in the college entrance examination??" Yan Fuxing was still a little suspicious in his eyes, and just happened to have the mobile phone in his hand, so he took it out and searched it.

Although he knew that Su Mu should not lie to him, he always felt that it was still a bit fantastical.

Provincial champion!

Even if his academic qualifications are not high, he also knows how difficult it is to get a champion!

A few days ago, during the college entrance examination, he also talked about this topic with two friends.

said that if this was placed in ancient times, those champions would be able to increase their official ranks!

At that time, there was also a friend who said that who and whose relatives in his family had particularly good grades, but I didn't expect Su Mu to say that he was the champion now?

Finally, when Uncle Xing found the information about Su Mu.

I was stunned to believe what he said.

It's just that I still think it's a bit fantastical.

"That's not the point, the point is that if you're short on money, I can actually lend it to you first."

Su Mu shook his head, the topic changed so quickly that he almost forgot the original intention.

Anyway, the money in his hand will not be used up for a while, so it is better to lend it to Uncle Xing for emergency relief.

These are all Yan Xiaoke's family, and if they get married in the future, they will definitely have to move around more.

"Ugh."

"It's not about money, how can I ask for your money."

"You should keep your money for yourself, it will definitely cost a lot when you go to college, Uncle Xing can figure it out by himself."

It's just that I didn't expect that after Su Mu explained so much.

Uncle Xing finally sighed and rejected him.

Su Mu smiled, he looked at Uncle Xing's expression, he already knew it, and he didn't flinch immediately.

Uncle Xing just can't wipe off his face now, and it would be nice to persuade him a little more.

After thinking about it, he continued

"Actually, if you have anything else, you can also discuss with me, after all, I have read so many books, and my dad works in a bank, so he knows a little bit about this."

"For example, the two people before, if you transfer the IOU, it is a private loan, with a monthly interest rate of 2 cents and an annual interest rate of 24 is legal."

"But before they said that the annual interest rate is 30%, in fact, it has exceeded this value, although if it is lower than 36, it really cannot be recognized as usury, but the interest rate between 24 and 36 per year, if it is paid voluntarily, it cannot be asked to be returned, but if it is not paid, the borrower cannot be forced to ask for it."

Su Mu explained a long paragraph, and wanted to say something more.

But he looked at Uncle Xing and looked at him with a confused expression.

I didn't understand what I was saying.

He sighed slightly.

Inexplicably, I have the feeling that I am talking about a topic in class.

"Well, probably, although what they said has some truth, but the money you transferred to the IOU, in fact, you don't have to pay back so much, you can directly apply to the court for arbitration."

"And you have already repaid 20,000 yuan before, and the principal of 20,000 yuan cannot be calculated as principal and interest"

"Forget it"

"Anyway, you just don't have to pay back that much money."

Su Mu gave up explaining.

He felt that this kind of thing was a very vague thing to talk about.

In the absence of specific information, it is not possible to draw a direct conclusion.

However, Uncle Xing next to him was indeed really a little surprised.

If Su Mu just said that he was the provincial champion in the exam, he just learned Su Mu's good grades.

But now that Su Mu told him so slowly, and said that he didn't have to pay back so much money, this point immediately made him feel at ease.

"Komaki"

Yan Fuxing took a deep breath.

But I don't know where to start.

After hesitating for a few breaths, he finally felt that Su Mu might indeed know more than he did in this regard.

And he spoke

"Actually, the 80,000 yuan is really a trivial matter, I just can't draw out that much cash for a while."

"Do you know anything about online lending?"

"It's that what kind of loan is actually I'm mainly worried about that thing, and a friend recommended me to borrow the money above, but now the gap is getting bigger and bigger."

"Online loans?"

Su Mu was stunned.

He is often in contact with the Internet, so he is naturally very familiar with this term, after all, in some news, from time to time, there will be a certain female college student who can't afford to repay the online loan and then what's wrong.

"How much do you owe?" Su Mu asked weakly, and his heart suddenly lost much confidence.

"400,000."

Su Mu "???? ”

Yan Fuxing""

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