Chapter 23 Business Loans
When he said this, several disciples of Qingfeng Hall had already returned, and they were talking in Hu Botao's ear, and the buddy couldn't see or hear it, and was still chattering with Hu Botao.
First, I was afraid that his chatter would affect Hu Botao's judgment, and on the other hand, I was really curious, his condition was like an old man running out of oil and the lamp was dry, but he could still move. He said that it has something to do with loans, and loans can lend people like this?
I interrupted him and asked, "Something to do with loans?" Can you elaborate on that? โ
This guy listened to me ask him, looked at me with questioning eyes, I smiled and said to him, "I am the boss here, and they are my apprentices." โ
No way, I didn't mean to brag, and if I didn't say that, I wouldn't be able to prove my identity. I can't just say that one of these two is a fox and the other is a yellow skin, right? If they were my employees, wouldn't they be liars, who had heard that Ma Xian'er hired someone to watch things?
When he heard me say this, his eyes lit up, and then, as if he remembered something terrifying, he said to me with a face full of fear: "That's not an ordinary loan, no real estate mortgage, no need for human guarantee, nothing needed, they call it a business loan!" โ
I listened in a daze, and instead of speaking, I nodded and motioned for him to continue.
After this guy trembled for a long time, he readjusted his mentality and began to narrate to me:
His name is Liu Xudong, and he majored in engineering cost when he was in college. The family background is generally a rural child, and from high school to college, he has a girlfriend who is the same as him. After graduating, he worked as a budget planner for a construction company for a few years and saved some money.
At that time, he and her girlfriend were planning to get married, and the countryside was interested in asking for a bride price, which was usually linked to the family's economic situation. But because the villagers know the roots, the woman's parents know that he has earned some money over the years.
So on the grounds that his daughter has been with him for so many years, they are just such a girl. The glorious gift will cost 180,000 yuan, and eight pieces of gold, in short, there is no shortage of gifts on the list.
Liu Xudong's parents can't come up with so much money, and the money he has saved himself is not enough. At that time, I was so worried that the woman's parents were harsh, but the little object had a good relationship. The little girl persuaded him that my parents wanted too much, but in fact, it was just to save face. If there are more of them, I will be a girl, won't they give it to us in the future?
It's true, but as the saying goes, a penny is hard to beat a hero, and if you don't have money, you can make money?
Because he has been thinking about this all day long, the project team led by him made a mistake in the bidding budget, resulting in the company 100% of the project being missed. After the company found out the problem, it wanted to sue him and make him lose money.
Fortunately, the boss is still good, and Liu Xudong has created benefits for him for so many years. The boss also knows a little about him, and tells him that the compensation will be forgotten, but the company must not be able to stay.
In the end, the boss also persuaded him, saying that he was a person from the past, and the woman's family was like this in the first marriage, and the woman was still a Voldemort. Two people can not only have feelings together, even if there is no virtuous helper behind a successful man, at least there can be no family to drag oil bottles.
At the same time, I also told him that your business level is good, and this bumpy ride is not necessarily a bad thing for you. No matter how good you are at doing it to others, your achievements are limited. Why not open your own company, you can cooperate with him in the future, and you can also introduce to him the resources he knows in the local area, whether it is contracting or development.
He didn't listen to the boss's first advice, but he took the second to heart. His relationship with his girlfriend is indeed very good, and after so many years, he will definitely not be able to break up.
He was thinking that the money in his hand was not enough to get married. Even if you borrow the bride price money together, what about the house after you get married? What about the milk powder money after the birth of the child? Once it starts like this, it is equivalent to falling into a quagmire and never turning over.
This gave him the idea of starting his own company, but he didn't make a decision directly, but discussed it with his girlfriend. His girlfriend told him that he had a hundred supports, even if his parents knew about the opposition, it was a big deal to steal the household registration book and register with him, and they would recognize him as a person anyway.
With this confidence, he began to study the matter of starting a company. He couldn't get the registered capital, and through the relationship of the original boss, he rented the qualifications of other people's companies behind his back, in the name of the branch, which was actually an affiliation.
He spent all his savings on renting a house, and he had a lot of desks, chairs, and computer equipment to add, and he was looking at a loan at the time. Her girlfriend persuaded him, saying that the loan was under pressure because of the term, so she gave him her savings, and also borrowed 70,000 or 80,000 yuan from her grandmother behind her parents' back.
Hearing this, I still have some emotion in my heart. Liu Xudong's boss may be right, it is really difficult to have an unconscious relative, but you can't give up your feelings because of this. Anyway, judging from Liu Xudong's description, his girlfriend is really good.
Liu Xudong continued to tell me that after the company was established, his original boss gave him his first business and handed over all the budget of his company's first project to them. In return, he completed the order with the lowest profit.
At that time, after removing all expenses and employee bonuses, he earned more than 80,000 yuan, and thus became famous in the industry. At that time, he wanted to return his girlfriend's grandmother's money, but his girlfriend told him that he was not in a hurry, that he was just starting out and needed liquidity, and that it would not be too late to wait for the next business to be tight.
His girlfriend understood it like this, and Liu Xudong was very moved. Business is also starting to get on track little by little. In half a year, the car was also bought, and more than 300,000 yuan was saved. Liu Xudong, who was full of joy, went home with his girlfriend and prepared to get engaged at this ceremony.
Who knows, this time when he went back, his girlfriend's grandmother was diagnosed with uremia accompanied by kidney failure, and if she couldn't find the kidney source, she would have to go on endless dialysis.
Liu Xudong knew that if they didn't have the support of his girlfriend and grandmother, they would have been yellow a long time ago, and he also took out his coffin book in the early days of his business. In order to repay the kindness, Liu Xudong bore all the medical expenses of the elderly and dialysis fees, and he also found a kidney source to help his grandmother change his kidney.
My girlfriend's family, especially my girlfriend's mother, seemed to have changed this time, took out the household registration book, said that the bride price was not needed, and let the two get married now. As for whether it was because of gratitude or because they couldn't afford the medical expenses of the elderly, it is unknown.
Because Liu Xudong has been running for the old man's kidney for a long time, the old man has changed his kidney, and his savings in the past year have almost been spent. Fu Wushuang did not go alone, while he was not in the company, the supervisor took a kickback from one company and made a budget for another company, causing that company to lose its bid.
The client took them to court, the supervisor was caught, and in addition to the kickbacks and forfeitures as compensation, the executable property was all counted, and there was a difference of more than 400,000 yuan. Mr. Liu's company is in danger of being auctioned off.
After learning this, the mother of the wife who had already obtained the certificate, that is, his mother-in-law, completely forgot about Liu Xudong saving her mother, and frantically persuaded her daughter to divorce him. Liu Xudong's wife was so angry that she never went home again, working part-time while working, and the two of them got through the difficulties together.
His original boss has long been buddies with him, and he is really good to him, saying that he can help him pad this hole first, and then slowly return it later. Liu Xudong also wanted to take the money at that time and give more interest later.
At this time, he heard from one of his former classmates that there was now a kind of loan with no collateral and very small interest, and all the people in their original circle had taken out loans.
Taking advantage of the class reunion, he inquired, and indeed many people have taken out loans, and they really don't need mortgages, and there is no interest if they repay on time. So he was also tempted and dragged his old classmates to introduce him.
Speaking of this, Liu Xudong looked frightened and said to me: "I met with that group of people in a hotel, and they came directly with cash. I asked what kind of collateral was needed, and they said they didn't need anything, not even papers. I took out a piece of yellow paper with words I didn't recognize, and drew many figures with a red pen like a symbol. โ
"They brought a bunch of small jade pieces and made them make a strange shape on the ground, and I pricked my fingers and dripped them one by one. Then, as if they were performing some kind of ritual, they finally cut my palm and made me put a bloody handprint on the piece of paper. After doing this, they left the money and the people left. โ
Through his narration, I also listened to the chill in my spine, this is too weird, the first time I heard that there is such a loan, there is no mortgage and vouchers, what if people don't pay it back?
I thought about it for a while and asked him: "You said that your condition is related to that loan, is it that you are overdue and have not repaid the money, and people are looking for trouble with you?" โ
I think the people he said must have something to do, or they wouldn't be able to put money out so easily.
Unexpectedly, Liu Xudong said to me with red eyes: "It's not overdue at all, a week after I got the money and compensation, I called from the other side and said that I should pay back the money." I reasoned with them, and said that it would be eight months after the talk, and I would pay it back with interest, so why didn't I talk for a week? โ
"The person on the phone sneered and told me that I was taking out a business loan, and if I didn't do what they said, I would bear the consequences." Speaking of this, Liu Xudong looked horrified: "I didn't take it seriously at the time, and I said in my heart that I didn't plan not to pay it back, because they didn't keep their promises." The result ยทยทยทยทยท"
"The result?" I asked him subconsciously.
"As a result, strange things have happened one after another since that day, and all kinds of miserable people began to appear in my dreams looking for my life, you look at my face." He pointed to his face and said to me: "At first, it was just dark circles under my eyes, I thought it was because I was not resting well, but slowly it became like this, and the nightmares became more and more scary, many times I thought I couldn't wake up?" โ
The more I listened, the cooler my back became, this was too evil, and I asked him, "Have you paid back the money?" โ
"When I found out that something was wrong, I didn't have the money to pay it back at that time, but in about a month, I got all the money together, and all the incoming accounts were enough to count, and I paid it off immediately." When Liu Xudong said this, his eyes suddenly turned red, and he gritted his teeth and said to me: "They took out the yellow paper and showed it to me, saying that it said that I owed four million, and now I only pay interest." The ghost knows the words on it, how do I know what is written! โ