Chapter 59: Usury

"Sister Ning Ran."

Seeing this situation, Yang Yifan knew that Ning Ran must have encountered something big, otherwise Ning Ran's character would not have been so weak, he opened his mouth and shouted, quickly came to Ning Ran's side, picked up the contract that fell to the ground, squatted on the ground, and asked softly: "Sister Ning Ran, what's wrong?" ”

Ning Ran saw Yang Yifan suddenly appear, and the contract was still in Yang Yifan's hands, she showed a hint of panic on her face, just when she wanted to gun the contract, but Yang Yifan took the first step and hid the contract behind her, so that Ning Ran could not take it away.

"Xiaofan, give me the contract." Ning Ran said to Yang Yifan seriously.

Yang Yifan stood up and glanced at the contract, and found that it was a loan contract, and the name of Ning Ran was written in the place where the borrower signed, and the lender wrote a credit company called "Jin Xin".

Without waiting for Yang Yifan to finish reading, Ning Ran snatched the contract, quickly put it under the quilt, and then sat on the bed and bowed his head in contemplation.

The atmosphere in the room was quite quiet, Yang Yifan looked down at Ning Ran and asked, "Sister Ning Ran, have you borrowed a loan?" ”

Ning Ran didn't answer Yang Yifan's question, but said, "Xiaofan, don't ask." ”

How could he not ask, Yang Yifan heard it just now, the other party wanted Ning Ran to sleep with him to repay the money, he would never let a good woman like Ning Ran sleep with a man in order to repay the money, and he couldn't figure it out, how could Wanjiafu's business be so hot, how could he not repay the loan.

Yang Yifan squatted on the ground, put his hands on the bed, looked up into Ning Ran's eyes, and said seriously: "Tell me, how much money did you borrow?" ”

A trace of entanglement appeared on Ning Ran's face, she looked at Yang Yifan and said, "Xiaofan, this matter has nothing to do with you, don't you get involved, okay?" ”

Yang Yifan was a little anxious, his voice became a little louder, and said: "Sister Ning Ran, you said, if there is something we can find a way to solve together, it's not a way for you to hide it like this, do you really want to sleep with that man?" ”

Hearing this, Ning Ran was stunned, but soon she thought that it must be Yang Yifan who heard what she said on the phone just now, and she said helplessly: "I borrowed it in my name, but the money was not used by me, this is the debt that my husband owed when he was alive." ”

"How much? I'll help you pay it back. Yang Yifan thought for a moment, and then asked.

"Xiaofan, don't ask, okay? This matter has nothing to do with you, this is owed by the man before me, what do you care? Ning Ran naturally refused to allow Yang Yifan to meddle in this matter, even if she smashed the pot and sold iron, she had to pay it back herself.

Now Yang Yifan does have some money, but Ning Ran will definitely not let Yang Yifan pay it back, after all, this is another man's debt, and it has nothing to do with Yang Yifan, although Yang Yifan wants to repay the money for her sake.

But this is unfair to Yang Yifan, she is just a widow, what qualifications does she have to let a young guy help her pay off her ex-husband's debts?

To put it simply, Ning Ran felt from the bottom of his heart that he was not worthy of Yang Yifan's help.

But Yang Yifan didn't think so, he just wanted to help Ning Ran get through this hurdle, Ning Ran was already hard enough, and now he was forced by the loan company, if he didn't help Ning Ran now, almost no one could help Ning Ran.

And he really didn't want to see Ning Ran being forced to sell Wanjiafu and the car to pay off the debt, so Ning Ran would almost lose everything.

The next moment, Yang Yifan directly pushed Ning Ran away, got the contract under the quilt in his hand, read it carefully, no matter how Ning Ran stopped it, Yang Yifan didn't pay attention to it, he is now a monk, not Ning Ran can be stopped by a woman.

In desperation, Ning Ran stopped blocking and sat helplessly on the sidelines, silent.

When reading this contract, Yang Yifan's mood was very calm, after careful reading, he knew that Ning Ran owed a total of 200,000 yuan, and the interest was 4%, if calculated in this way, the interest for a month was very small, and it was said that with Wan Jiafu's income, Ning Ran should be able to pay it back.

"Sister Ning Ran, the interest is only 4%, even if it is a rolling interest, there should be no pressure on you." Yang Yifan thought for a while and said.

Ning Ran smiled helplessly, and she said: "That's right, the one filled in front is indeed 4 centimeters, but when you turn to the third sheet, there is a very inconspicuous line of rules, and if you read it, you will understand why I am so angry." ”

Hearing this, Yang Yifan hurriedly flipped to the third one and began to read it carefully, and when he saw a line of fonts, his expression became very serious.

"The interest is 4% for the first year, and if the borrower does not make the payment for five consecutive months in the second year, the interest becomes 4 cents."

The interest is 4 percent, which is 4 cents, and you have to pay 4 cents of interest for every dollar a month.

And it's a usury with a rolling interest.

The loan is 200,000 yuan, and the interest for one year is 107,296.8 yuan.

Thinking of this, Yang Yifan's face changed instantly, he looked up at Ning Ran, and asked, "Sister Ning Ran, you haven't repaid the loan for five consecutive months?" ”

"In the first year, I have been repaying, at the beginning of the next day, the customer service of the loan company called me, saying that my credit is good, and I can repay the principal and interest together in the last month, at that time I was decorating the store, and my mother needs surgery, and needs a large amount of money, so I want to slow down and pay them back at the end of the year, and now a year has passed, and the other side called, asking me to repay, and the interest is still 4 points, I told them what the customer service said, they said that there is no such thing, Say I've been lied to. Ning Ran's tone was full of helplessness.

After pondering for a while, Yang Yifan thought of the other party forcing Ning Ran to sleep with him to repay the money, his eyes narrowed slightly, and he said: "Sister Ning Ran, I think they deliberately set a trap for you, you must not know about the 4 points of interest, right?" ”

"I didn't know, when the loan was taken out at that time, it was all handled by my husband, and I was only responsible for providing my ID and signature, and I didn't look at the contract at all." Ning Ran nodded heavily and spoke.

"Hmph." Yang Yifan's eyes became gloomy, and he said: "They just see that you are a woman's family and are easy to bully, and they specially ask you to repay four cents of interest, and this money must not be returned to them." ”

"Yes...... However, they are specialized in loan sharks in the county, and they are a group of shady clubs, if they don't pay them back, they will definitely find a way to retaliate, although this kind of interest loans are not protected by law, but they all have special debt collectors, and they can do anything. Ning Ran was a little worried, she didn't want Yang Yifan to get involved in this matter, she continued: "I have a deposit of more than 100,000 yuan now, sell the car, and then go to relatives and friends to borrow some money, make up enough 300,000 yuan, and pay them back as soon as possible." ”

"Nope." Yang Yifan's little temper came up, and the other side obviously wanted to pit Ning Ran's money, since he knew about this matter, how could he watch Ning Ran being deceived.

Although Ning Ran's restaurant has good benefits, it is not easy to get up early and make money in the dark, so give them 100,000 yuan for nothing, won't it become a big wrong?

And the other side also proposed to let Ning Ran sleep with him to repay the money, which is simply the work of a brute.

Seeing that Yang Yifan's face became abnormal, Ning Ran said nervously: "Xiaofan, my sister will handle this matter herself, you must not get involved in this matter, the people in their loan company are all black, dare to fight and kill, you are not their opponent." ”

Although Yang Yifan and Wuzi showed very strong strength that day, but how can Wuzi's goods be compared with the people in the loan company?

Yang Yifan was speechless, and said to Ning Ran: "Sister Ning Ran, you wait here, I'll come when I go." ”

Throwing off a sentence, Yang Yifan drove a Buick back to Yangjia Village, threw the 600,000 yuan given by Zhou Hua into the trunk, killed Wan Jiafu directly, and forcibly dragged Ning Ran to the loan company in the county seat.