"Whether it's interest or handling fees, it should mean the same thing, but the name is different, right?"

Jiang Yang put down the contract and asked.

Hu Ming nodded slightly, and a smile appeared in his eyes: "That's right." ”

Then he leaned forward and said softly: "I borrowed 1,200 yuan, and I only need to repay the interest of 7.2 yuan every month, which is obviously not too much, and our project has been promoted in Huazhou Bank, and the number of users has exceeded one million on the first day, not to mention that now the four major banks are also promoting overdraft cards, which can be described as all the rage, such a high-quality project, Mr. Jiang still needs to continue to consider it......

"Wait."

Jiang Yang shook his head slightly: "Your algorithm is wrong." ”

Hu Ming was stunned for a moment and said with a smile: "What's wrong?" ”

Jiang Yang said: "According to what you just said and this information, after repaying the principal of 100 yuan in the first month, then the customer really occupies the bank's funds not 1200 yuan, but 1100 yuan, but in the second month, the customer still has to pay this handling fee according to the arrears of 1200 yuan, and by the last month, 1100 yuan has been repaid, and only 100 yuan is owed, but he still has to continue to pay the handling fee according to the arrears of 1200 yuan." If calculated in this way, the handling fee is more than 7.2. ”

A gleam flashed in Hu Ming's eyes, and then a smile on his face: "Then Mr. Jiang is talking about it, why is there more than 7.2?" ”

Jiang Yang pondered for a moment, then clicked his finger on the contract and said: "Calculated with the average loan balance, first of all, the bank funds I actually occupy every month are added up and divided by 12 months, that is, the average monthly actual resources occupied, for example, I am 1,200 yuan in the first month, plus 1,100 yuan in the second month, plus 1,000 yuan in the third month, and so on, plus 100 yuan in the twelfth month, and finally divided by 12, which is equal to 650 yuan." ”

"The monthly handling fee of 7.2 yuan divided by the average monthly actual occupied funds of 650 yuan, which is about 1.1%, multiply this result by 12 months, then the conclusion is that the actual interest is 13.3%."

Jiang Yang's voice was not in a hurry, and he explained the method of calculating the interest, and the conversion office paused for a moment, and only a few seconds later he said the mental arithmetic result.

These words made An Shengsen a little surprised, and the hand feeding the fish stopped, handed the fish food to the young man behind him, and began to listen carefully

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Hu Ming and Jiang Yang's conversation.

The smile on Hu Ming's face froze a little, and he said, "If you have to be more serious, you can indeed calculate it like this." ”

Jiang Yang didn't look at Hu Ming, but lowered his head and continued to look at the contract, and said seriously while reading: "More than that, if I want to repay the loan in advance in the third month, but the bank still has to deduct the handling fee for the full amount of 12 installments, if this is calculated, the funds I actually occupy every month are only 1200 yuan plus 1100 yuan plus 0 yuan and divided by three, which is about 766 yuan. And my monthly handling fee becomes 28.8 yuan, and the real annual interest becomes 28.8 divided by 766 times 12, then the result is ......"

Just when Jiang Yang kept calculating in his heart, An Shengsen got a computer out of nowhere, shook it and said, "0.45117493......"

An Shengsen was wearing reading glasses and wanted to continue reading, but Jiang Yang reached out and patted him to stop him, and An Shengsen took off his glasses and put the computer on the table.

Jiang Yang looked at Hu Ming and said, "So, if the loan is repaid in advance, then the real interest is more than 45%, President Hu, that's right." ”

Hu Ming smiled, looked at Jiang Yang and said, "Mr. Jiang is not only a talent, but his sensitivity to numbers is not ordinarily strong." ”

An Shengsen said: "Aren't all businessmen and sellers like this, sticking to the hair is a monkey becoming a fine, I don't understand this calculation, why did you start from scratch at such a young age and make the business so big?" ”

Jiang Yang smiled awkwardly and shook his head slightly.

Hu Mingdao: "This is a good thing, but also a major trend in today's society, in the next few years, real estate, car property, and even enterprises and individuals can apply for loans from the bank, early consumption has become an unstoppable trend, An seniors can seize this opportunity!" ”

An Shengsen just wanted to say something, but Jiang Yang snorted coldly and whispered: "This is not a tide, but a flood beast." ”

Hu Ming's face was cloudy, and he looked at Jiang Yang and said, "What does Mr. Jiang mean by this?" ”

Jiang Yang shrugged his shoulders: "Saying that you are killing chickens and taking eggs, in order to stimulate the economic market by unscrupulous means, the dog jumped over the wall in a hurry." ”

Hu Mingleng froze in place and turned his head to look at An Shengsen.

An Shengsen was also stunned, then laughed and said to Hu Ming: "My righteous son's temper follows me, his temperament is fierce, and he speaks."

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But brains, Xiaohu, you shouldn't mind, right? ”

Hu Ming was like swallowing a fly in his throat, he couldn't cough it out or swallow it, and his stomach was tumbling.

He was the vice president of Huazhou Bank, and according to his rank, he was extremely respected wherever he went.

Jiang Yang's words stimulated him, because all the words were to the point, to the point, every sentence was the truth, and every sentence poked at his sore spot. What really hurt him was not the account that Jiang Yang calculated, it was the last sentence that jumped off the wall in a hurry.

Hu Ming held back the anger in his heart, waved his hand and no longer paid attention to Jiang Yang, but looked at An Shengsen and said: "Senior An, it is already my limit to be able to give you a share of 10 billion yuan from the headquarters, and you also know that if it weren't for Director Han Chunpei's personal recommendation, I wouldn't have been able to come all the way to you to deal with this matter." ”

An Shengsen nodded and said: "I know, Xiao Han also wants my old bone to make some money, I have received his wishes, as for this investment, I will think about it again, and I will call you when I think about it." ”

Hu Ming frowned slightly: "Senior An, this is a good project with an annual income of nearly ten percent, and it is a cooperation with Huazhou Bank, such a stable project, are you actually shaken because of a few words from your godson?" ”

An Shengsen shook his head and sighed: "No way, people are old, it's not okay to be disobedient, and I will point to him to provide for me in the future." ”

After that, he pointed to Jiang Yang.

Jiang Yang glanced at An Shengsen angrily, and echoed in a low voice: "Yes, pension." ”

"Okay."

Hu Ming picked up the document bag angrily and said: "Then you think slowly, anyway, I have already brought it to you, the market share is like this, I can only buy you three days at the headquarters, just three days, and I will not wait for the expiration date." ”

Then turn around and leave.

An Shengsen waved his hand and said to the young man behind him, "Go and send President Hu." ”

Hu Ming stopped, still full of displeasure: "No need. ”

An Shengsen smiled: "My yard is big, if I don't send you, I'm afraid you won't be able to get out." ”

Hu Ming was slightly stunned, sobered up in an instant, turned around, bowed lightly to An Shengsen, and then walked out of the backyard under the leadership of the young man.

(End of chapter)

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