"Condom?" Hoshino Nana repeated, dissatisfied: "It's just the two of us, can't you talk well? You don't have to talk Kansai vernacular all day long, who can you pretend to see?

Naoto Yoshihara smiled and defended: "Be careful to travel a 10,000-year-old ship!" After a pause, he got back to business, "I think that Momonomiya Hidee is not a safe person, he either spends money lavishly or daydreams and does business and gets rich overnight, but he lacks money and capital." What should she do if she is short of money? She is still studying, and she has no income, and she doesn't look like a person who can work hard to save entrepreneurial capital, so let's borrow it!"

Nana Hoshino frowned and said, "It's not impossible to borrow money to start a business......" She occasionally had that thought, wanting to eat meat!

"Okay, yes!" Naoto Yoshihara agreed, "But it depends on who borrows the money!"

Naoto Yoshihara continued: "She wants to borrow money and has no collateral, then the bank can't do it, Hachicheng looked at the roadside bulletin boards, tabloids and the so-called 'unsecured quick loans' and the like, she believed it, and then really ran to borrow money." ”

Nana Hoshino was shocked, she had seen that kind of thing before, and asked, "Is that a lie?"

Naoto Yoshihara scratched his chin, thought for a moment and said, "It's not all lies. While it is true that a small number of them are simple low-level scams, there are also some that can actually be borrowed...... But there is no such thing as a free lunch, no collateral, so why should those people take the risk of lending money to people they don't know? ”

"That ......"

"The interest rate is high, but it will not be ridiculously high, for example, borrowing 10 million yen, of course, it is estimated that Momomiya Hidee must not have borrowed so much. For example, if you borrow 10 million yen and agree on a monthly interest rate of 5%, then it will be 500,000 yen per month...... Don't have this expression, as a short-term loan, the interest is very good, and the private sector is at this price. ”

Nana Hoshino thought for a moment and said, "Okay, considering that you don't need collateral and you need money urgently, it's acceptable...... But it's nothing, right? If the business doesn't go well, just grit your teeth and go up, one is willing to fight and the other is willing to suffer, and it is not a cheat. ”

Naoto Yoshihara nodded in agreement: "That's what they all think, so many people know that loan sharks are on a hanging rope and will put themselves around their necks...... According to the loan contract, the interest is generally cut off, that is, if you borrow 10 million for three months, you only get 8.5 million, and the interest will be deducted first. Moreover, the financial company is very careful, they will send someone to follow you, transfer 10 million to you, and then ask you to withdraw 1.5 million cash and return it to him immediately!"

Nana Hoshino's mind turned sharply, and after a while, she understood: "Ah, if there is a lawsuit in the future, even if the court does not recognize this high interest, the bank book turnover is 10 million, and even if the principal is repaid plus the interest allowed by law, the financial company will make a lot of money." ”

Naoto Yoshihara said: "Yes, the financial company also depends on the people, in case they meet ruthless people, at least they don't lose money." ”

Nana Hoshino thoughtfully: "I see, that's ......"

Naoto Yoshihara smiled: "This is just an insurance method, if you find that you are weak and profitable, then you will find that you can't pay it back after three months." ”

Nana Hoshino was surprised: "What does it mean that you can't pay it back? Don't they want it? And this kind of good thing?!"

Naoto Yoshiwara pushed her on, explaining to her, "How is that possible? You have to pay back the money when it is due, and as a result, they will have all kinds of reasons for you not to pay...... Of course, the final result is that you are in default, dragging you alive for three months and half a year, and the default clause in the loan contract has already been launched - the biggest trap in the loan contract, you originally thought that you would definitely pay it back, and you will not care about the default clause - a large amount of liquidated damages, and then the interest continues to roll, and then the liquidated damages roll into the principal to generate interest, and the interest rolls into the principal and also generates interest, opening the donkey rolling mode! By the time you find someone who can call the shots, 10 million will already become 20 or 30 million. ”

Nana Hoshino gasped, and after a moment, anger appeared on her little face: "Can you still do this? It's unreasonable, it's a fraud!"

Naoto Yoshihara smiled and said, "Reasonable people won't do this either." ”

Nana Hoshino suddenly felt that her mother was right, this world is so ugly, and humans can be called racking their brains to hurt each other for the sake of competing interests, and there is no end. If we had put these crooked thoughts on the development of science and technology, mankind would have rushed out of the solar system long ago, so would there be any need to be trapped on a planet and compete for some petty profits?

She frowned and pondered for a long time, and asked uncertainly, "Then what will happen next?" She is quite smart, although she has limited experience and can't guess these tricks for a while, but she thinks that things will not be so simple.

Naoto Yoshihara thought for a moment and said, "Two choices, if you still have it, they are happy - two or three hundred percent of the profit, which is more cost-effective than any transaction, and if it is not, they are also happy...... If you can't pay it back, they will kindly introduce you to another company and let you repay this unsecured loan, maybe the interest rate will be lower. ”

"Another company, a boss?"

And do it all over again – borrow money, don't let it back, default, can't afford to pay it back, borrow money again – once and twice, until the finance company gets what it wants. ”

"What you want?"

"Real estate or people or something, it depends. ”

Nana Hoshino had a serious face and asked slowly, "...... people What will happen?"

"Rent or sell to gangsters who run the H industry, dry soup girls, spring women, make small movies, escorts, public relations, etc.! There are few men, but there are some, after all, there is a market. If you can't do it, you can send it to lobster fishing, mining, or send it to a gambling ship on the high seas as a lifelong employee......"

Nana Hoshino was silent, and after a while, she asked, "You can file a lawsuit, this is obviously illegal!"

Naoto Yoshihara shrugged: "Yes, but large financial companies have a special team of lawyers, and every word of the loan contract has been cut out and studied dozens of times, and the barrister with an annual salary of tens of millions of dollars in court argues with you, while the small financial company will entrust it to a special law firm, and there is a team of unscrupulous lawyers who specialize in this, and they have rich practical experience, but this small area may not lose to those famous barristers." ”

After a pause, he sighed and said, "The most important thing is ...... It takes too long to fight a lawsuit, and they have violent means! Every day, they hit your door, using both soft and hard measures, tossing your family, destroying your reputation, and interfering with your life as a normal person. ”

Nana Hoshino was silent again, this time silent for a long time before asking in a low voice, "What do you think that Momonomiya Hidea is like this?"

"Eight or nine are not far from ten, they are not deeply involved in the world, young and beautiful, and there are no powerful people in the family, if you want me to pick someone to pit, I will also pick her!"

Nana Hoshino didn't need to be pushed away by Naoto Yoshihara at this time, she walked fast by herself. She walked back and forth in the hallway, suddenly stopped, and asked angrily at Naoto Yoshiwara, "How do you know so clearly, have you ever done such a thing?!"

I'm so angry! Why is this guy telling himself this! And with a very relaxed face, has he considered the feelings of those victims? Phew, although that Momomiya hidea is not a good thing, but compared to the loan shark, it is simply a pure little lamb!

This guy used to be a security consultant for criminals, and he didn't know how to fight, and he still knows so much about this kind of bad things, is he an intelligent criminal?

Naoto Yoshihara was suddenly shot a little inexplicably, how did he pull it on himself?

He said innocently: "No, I haven't done this kind of thing that has no ** to give birth to a son! I said that this kind of thing is not unusual, I have only seen it many times......" After a pause, he sighed a little helplessly, "Although I have done more things than this bastard before, I can guarantee that I have never done this kind of immoral thing......"