After separating from He Yuzhu, Cao Zhiqiang stopped staying, went out of the room, pushed on the bicycle, and was about to leave.

However, when he walked to the gate of the front yard, he was still stopped by the third aunt.

After three or two talks, Cao Zhiqiang was pulled into her house by the third aunt.

As a result, as soon as I entered, I saw that the third master was also there.

Looking at that posture, it was waiting for me for a long time.

In this regard, Cao Zhiqiang was no longer polite, and asked directly after sitting down: "Three uncles and three aunts, let's talk about anything directly, I'm very busy, let's talk early." ”

The third uncle smiled: "Okay, since that's the case, then I'll also say a happy thing." Zhiqiang, I came to you this time to borrow money from you. ”

"Borrow money?" Cao Zhiqiang was stunned for a moment, then smiled, "Is it about opening a restaurant for your daughter-in-law?" ”

The third uncle patted his thigh, looked at the third aunt and said, "If you don't say it, Zhiqiang is a smart person, and you will understand it when you hear it." ”

"That's it!" The third aunt said with a smile, "Zhiqiang is the big one I have seen since I was a child, this child is smart when he is young, where can you hide from him with your little calculation." ”

"yes." The third master nodded, "There are talents from all generations, and a new generation of people will replace the old!" ”

Cao Zhiqiang sighed: "Three uncles and three aunts, so far, I have also said it directly."

For the sake of the two of you, it's not impossible to borrow money, but this borrowing money must have some collateral, right?

When you ask me to borrow money, what do you use as collateral? ”

"Need collateral?" The third aunt immediately frowned.

"That's it!" Cao Zhiqiang nodded, "Whose money doesn't come from the wind, even if we have a good relationship, my brother can still settle the account."

So, if you are good, I will borrow money, but you must have collateral.

If there is collateral, I will give the money immediately, without ambiguity. ”

"But you see, our family doesn't have anything of value to mortgage." The third aunt said, "Why don't you use our TV as collateral?" ”

"Say what?" The third uncle was immediately dissatisfied, "How can TV be used as collateral?" Besides, how much money can you pledge? ”

Cao Zhiqiang smiled: "Third uncle, third aunt, don't you have a house?" If you use the house as collateral, you can do it. ”

"Take the house as collateral?" The third aunt immediately frowned, "This is not appropriate, right?" ”

Cao Zhiqiang shrugged: "Then I can't help it." Anyway, if you want to borrow money from me, you have to use what I can see as collateral, your family, this house is okay, and the others are, hehe. ”

The third aunt just wanted to speak, but the third aunt suddenly waved his hand and stopped the third aunt.

Immediately afterwards, the third uncle looked at Cao Zhiqiang with a smile: "Cao Zhiqiang, if we use this house as collateral, how much can you borrow?" ”

Cao Zhiqiang looked left and right, and then sighed: "Seriously, I didn't want to wade into this troubled water, it's not enough, since the third master has spoken, it's not appropriate for me not to help."

If, then, you take this house as collateral, I will be happy and lend you two thousand dollars? ”

"Only two thousand? Too little, right? The third aunt frowned.

Cao Zhiqiang smiled and said: "Aunt San, you go to inquire about the market, if you sell this house now, see how much you can sell."

To put it mildly, the price I paid is enough to buy your house, and this is not the price of the mortgage.

If it is really calculated according to the mortgage, it will be cut by at least half, and it will be good to be able to give you a thousand for this house.

I also watched the third master speak, and out of favor, I agreed to lend you 2,000. ”

"Cao Zhiqiang." The third uncle smiled and said, "I know, you are for our good, but two thousand is too little, can you add more?" Three thousand, do you think? ”

"Two thousand five at most." Cao Zhiqiang shook his head.

"Cheng, two thousand five is two thousand five." The third master nodded, "Who made us lack money now." ”

Cao Zhiqiang nodded: "Okay, then it's decided, but how to calculate the interest?" ”

"Huh?" The third aunt was surprised, "Do you want interest?" ”

"Not really." Cao Zhiqiang said, "I deposit my money in the bank with interest, if I lend it to you, you don't give interest, why should I lend it to you?" ”

"Don't you have our house as collateral?" The third aunt said.

"A mortgage is a mortgage, interest is interest, can it be the same?" Cao Zhiqiang frowned, "Aunt San, you are such a shrewd person, you won't think I'm a fool, right?" ”

"Don't talk about it." The third uncle said to the third aunt, "Cao Zhiqiang is right, borrowing money is a favor, and it is too much not to give interest." ”

Cao Zhiqiang nodded with a smile: "It's still the third master who is reasonable." ”

"That's it." The third master said, "How about I lend you this money for a year and give you two cents of interest for a year?" Pretty cost-effective, right? ”

Cao Zhiqiang shook his head amusedly: "What do you think, third uncle?" Really when I don't understand anything?

Nowadays, the interest rate of the bank's demand deposit is 2.16, and if I borrow you for a year, how can it be counted as a one-year fixed term? You're just giving me two cents a year? It's lower than the current deposit rate, it's not that counted! ”

"Then let's count it as a one-year regular." The third uncle smiled and said, "Now the bank's fixed term is 3.96 a year, and I will give you four cents a year, how about it?" ”

Cao Zhiqiang laughed again: "Third master, you can really calculate, the abacus is a thief."

Nowadays, which company does not calculate the interest on a monthly basis?

Generally, the few points of interest when borrowing money privately, such as one cent of interest and two cents of interest, all refer to the monthly interest, and I have not heard that the annual interest is calculated according to the bank, and it is also the deposit interest rate.

It's better for you to calculate the annual interest directly for me, or according to the bank's deposit interest rate.

To be calculated in this way, the annual interest rate is four cents, which is equal to the monthly interest rate is only three percent?

With such a little interest, how can I make it as if I have made you a lot cheaper?

If that's the case, why are you borrowing money from me, just looking for a bank loan? ”

The third aunt muttered beside her at this time: "Bank loan? Then I have to be able to borrow money, it's not like we can't borrow, and now private people can't borrow at all. ”

Cao Zhiqiang glanced at the three aunts, then shook his head and said, "In short, if you want to borrow money from me, you can't just give such a little interest."

Four cents a year? Are you embarrassed to say that?

This is not a sincere borrowing of money, it is using me as a hero and playing tricks on me. ”

After being broken by Cao Zhiqiang, the third uncle was not embarrassed at all, but said with a smile: "You can't say that, this bargaining, don't you have to ask for the price all over the sky and pay back the money on the spot?"

Otherwise, since you don't agree with the interest I give, then how much interest do you say is appropriate? ”

Cao Zhiqiang thought for a while and said, "Third master, to tell you the truth, I'm really not bad for that bit of interest money now, and I'm not interested in lending money to others."

For example, last time, your eldest son and eldest daughter-in-law asked me to borrow money, and the interest rate was much higher than that you gave.

However, you are different, since you opened this mouth with me, I have to take care of your favor and face!

Well, I don't bother to bargain with you.

At a fixed price, I will lend you two thousand and a half, two cents, and settle on the first day of January. ”

The third aunt frowned and said, "Two thousand and five, two cents of interest, settled on the first day of January?"

Doesn't that mean we're going to have to give you fifty dollars a month in interest?

That's too high, right? No way, no way! ”

"No, if it doesn't work, forget it." Cao Zhiqiang smiled slightly.

"Don't, don't." The third uncle hurriedly said, "Cao Zhiqiang, two cents of interest is two cents, but can the capital be increased?"

Two thousand and a half is too little, my daughter-in-law is not enough to open a restaurant, you add another five hundred, three thousand, three thousand!

In that case, I'll give you sixty a month interest, which is not a lot. ”

Cao Zhiqiang sighed: "Come on, three thousand is three thousand, who made you my third master, I will sell this noodle." ”

"That's a good feeling." The third uncle smiled and said, "I'm here to accept your love." ”

The third aunt suddenly smiled at this time and said: "Zhiqiang, since this is the case, you can see that this property mortgage is forgotten, you don't know who we are, I promise to repay the money." ”

Cao Zhiqiang sighed: "Third aunt, of course I believe you, but that's not how things go.

Although I can trust you two elders, I am not related to you after all.

If you easily borrow 3,000 yuan from me without collateral, and the news leaks out, then you still have to do it?

At that time, everyone who wants to come to me to fight the autumn breeze will come to me to borrow money.

One by one, they are either neighbors or neighbors, and they tell me at every turn to look down on you and grow up, and give me a moral kidnapping from time to time, so do I borrow it or not?

If you don't borrow money to offend people, if you don't come back after borrowing money, you still offend people, I'm not a person inside and out, why bother with that effort?

Therefore, I want you to mortgage the property, that is, to tell everyone that you want to borrow money from me, and no matter how good the relationship is, it will be settled.

In this case, if someone asks me to borrow money, I will definitely have to weigh it, and I won't think about borrowing money and not paying it back, and I will be a white wolf with empty gloves.

In addition, the reason why I want such a high interest rate is not because it is difficult for you, but because it is difficult for others to retreat.

After all, even the two of you borrowed money from me, and the interest rate was so high, that other people would not dare to borrow from me easily when they knew about it.

In this way, I will save myself a lot of trouble.

Your second elder said, isn't this the reason? ”

The third uncle and the third aunt looked at each other, and then the third uncle gave Cao Zhiqiang a thumbs up:

"Cao Zhiqiang, you are still powerful, or there are so many people in this compound, you are the most profitable and rich.

Now it seems that you don't rely on luck, but on real skills to make money, unlike Xu Damao, who makes money by abduction. ”

Cao Zhiqiang smiled: "Okay, three masters, don't buckle my top hat, you just say it's okay, if you can, let's sign the contract now, and I'll give you money on the spot." ”

The third uncle's eyes lit up: "Really? You, you have three thousand dollars on you right now? ”

Cao Zhiqiang smiled and didn't answer.

"Old woman!" The third uncle hurriedly said to the third aunt, "Quick, go get paper, pen, ink, and copy paper, by the way, there is also a real estate book!" ”

The third aunt nodded hurriedly: "Hey, wait, I'll go." ”

After speaking, the third aunt hurriedly went to prepare.

Soon, the third aunt brought paper, pen, ink, copy paper, and of course, the real estate book.

Then, the third uncle personally wrote a contract, the contract was in duplicate, and after Cao Zhiqiang saw that there was no problem, he signed it together and pressed his fingerprint.

In this way, a simple loan contract is prepared.

By the way, in this contract, the third uncle wanted to write all the interest, but Cao Zhiqiang resolutely refused to write the interest, and just wrote an IOU.

In other words, this so-called contract is actually an IOU, which only says who borrowed who and whom, how much, what the collateral is, how much the loan period is, and other things like interest are not written.

The reason is very simple, that is, Cao Zhiqiang does not want to find trouble.

If you have an IOU, you will be able to get the principal back when you hold the IOU, which is protected by law.

But if there is interest added to the IOU, especially a high interest rate like two cents - it is illegal these days!

Of course, people in these years are not as shameless as later generations, and they basically abide by the spirit of the contract, and rarely borrow money and do not pay it back.

Especially the three masters, Cao Zhiqiang is even more assured.

Don't say that the third uncle is a faceless person, let's just say that the third uncle has been saving a lot for so many years, and he can definitely afford to pay it back for 3,000 yuan.

After the contract was signed, Cao Zhiqiang took out 300 pieces of unity from his arms on the spot and gave them directly to the third uncle.

After that, the original handwritten contract and the real estate book of the third uncle's house were all held by Cao Zhiqiang, and the copied contract was held by the third uncle.

The transaction was successful, everyone was happy, and then Cao Zhiqiang didn't stay longer and left the third uncle's house directly.

As soon as Cao Zhiqiang left, the third aunt said to the happy third uncle: "Old man, what kind of fun is it, that's two cents of profit, you have to give people sixty yuan a month, can you afford it?" ”

"Why can't you afford it?" The third uncle smiled and flicked his finger on the copied contract and said, "If you dare to borrow it, you will dare to give it, we will make a lot of money this time!" ”

"How do you make a lot of money?" The third aunt asked.

The third uncle smiled and said, "Have you forgotten, last time our eldest son and eldest daughter-in-law came to borrow money?" This money has to fall on them. ”

"What do you mean?" The third aunt frowned and asked.

"Are you really confused or fake?"

The third uncle shook his head: "Then, think about it, weren't our eldest son and eldest daughter-in-law in a hurry to borrow money from us to invest in opening a restaurant last time?"

I didn't agree before, not only because I was afraid that if they lost money in business, something would happen to them or they wouldn't get the money back, but also, our money was saved on a regular basis, and it would be too cost-effective to take it out now.

This time it's different, we borrowed money from Cao Zhiqiang, we don't need to use our old money, and we can lend it to our eldest son and eldest daughter-in-law to make the difference. ”

"Lend money to your eldest son?" The third aunt frowned, "Didn't you say that you would invest in shares at that time?" ”

"What shares to invest in?" The third master shook his head.

"This investment in shares is equivalent to taking money for them for nothing, and if you want to get the money back, when will it be a leader?

And if we lose, our money will be wasted.

So, I'm going to lend them money for interest, not much, and I want them to pay 10% interest!

So you see, I borrowed money from Cao Zhiqiang and gave him two cents of interest.

Then I will lend it to our eldest son and eldest daughter-in-law, and ask them to make a lot of money.

This time and again, we didn't move anything, and we got eight cents of profit every month.

Three thousand yuan and eight cents of profit, which is two hundred and forty yuan a month, is almost double in a year.

Which of these is the best deal? ”

The third aunt blinked: "Hey, it's still a good deal to borrow money, but ah old man, what if our eldest daughter-in-law loses money?" ”

"That's easy." The third uncle smiled and said, "Do you know why I asked you to take the real estate book so happily and mortgage it to Cao Zhiqiang?"

In fact, even if Cao Zhiqiang didn't mention it, in the end I would take the initiative to take the property as a mortgage.

I did this to show our eldest son and eldest daughter-in-law, and let them see how much we paid to support their business.

Do you think, we all mortgaged the real estate to Cao Zhiqiang, so when the eldest son and eldest daughter-in-law come to us to borrow money, don't they have to mortgage the real estate to us?

Anyway, now they are in the most urgent place, in order to get money, it is estimated that they will agree to sell the house, let alone mortgage the property.

That is, the house is not easy to sell now, and it can't be sold at a high price, otherwise, Yu Li will definitely sell his house and then go back to live with us.

So I asked them for the house book, and they agreed to it.

In case, I mean in case.

In case in the end, Yu Li's restaurant loses money, then we still have her real estate?

At that time, it will really come to the worst situation, the eldest son and the eldest daughter-in-law will lose money, and they can't pay the money, so we can take the real estate book of the eldest son's house and replace it with Cao Zhiqiang.

Let's not talk about my face, it's quite hard in Cao Zhiqiang's, let's talk about our eldest son's house, which is a building divided by the factory, which is much more valuable than our broken house, Cao Zhiqiang will definitely agree.

Even if Cao Zhiqiang doesn't agree to change the house book, it doesn't matter.

When the time comes, it's a big deal to give this house to Cao Zhiqiang, and let's move to the eldest son's house to live.

The eldest son's house is in our hands, and the contract signed with him is also in our hands, so once the eldest son and the eldest daughter-in-law can't pay back the money, his house will naturally be ours, which is much more valuable than our old house.

If this is really the case, we will still earn money by exchanging houses for houses.

What's more, I think Cao Zhiqiang's kid is not so ruthless, and when it comes, it is estimated that he will not really want our house, at most, let us pay back the money secretly.

If we cry and cry poor again and sell miserably, he may not even want interest at that time.

After all, didn't you listen to him, he was mainly afraid that others would know the news, so he kept borrowing money from him, but he didn't take the money seriously.

Otherwise, I wouldn't have carried three thousand dollars with me.

On the other hand, if the eldest son and eldest daughter-in-law can't afford to pay back, not only will they give us the house, but we can continue to ask them to pay back the money every month.

Inside and out, we won't lose.

If we use our own money to lend our eldest son and eldest daughter-in-law, the two of them will really lose money, and it is estimated that they will really be able to repay the debts when the time comes.

But if the money is someone else's, Cao Zhiqiang's, the two of them can't help but pay back the money, and the nature is different.

So you see, the whole process, we don't have any risk at all.

We don't have to touch our old capital, and we are not afraid of being kidnapped by family affection and morality, but we can make eight points of profit every month with peace of mind, what do you think of this business? ”

"Oh, that's good, this business is good." The three aunts smiled.

But soon, the third aunt frowned again: "No, old man, you say, we really want to lend money to the eldest son and eldest daughter-in-law, if we want them to be very profitable, can they agree?" ”

"Why don't you agree?" The third master smiled and said, "Although the profit is very high, no matter how you say it, you can borrow money from us."

If we don't give them money, who else can they ask to get the money? Isn't this business going to be able to do it?

Cao Zhiqiang, you also saw it, people borrowed it for me to save face, but Cao Zhiqiang and our son don't have any friendship, why lend them money? ”

"That's what I said." The third aunt nodded, "But isn't the interest we asking for too ruthless?"

It is very profitable, it will be doubled in ten months, and the interest given to us every month is 300 yuan!

Just the small restaurant business of the two of them, can they make money every month?

If you don't make money just by losing money, and you close your doors soon, what can you do? ”

"Wife, that's not how the accounts are calculated." The third uncle said with a smile.

"I've gone out to inquire, and now this restaurant is very profitable, and half of your profits are light for a dish.

If there is a capital of 3,000 yuan, the two of them will save buying tables, chairs, benches, pots and pans, decorate them a little, and then remove the money for hiring chefs and waiters, and the rest of the money is enough to rent a store of more than 500 square meters.

With a store of more than 500 square meters, at least 50 tables can be placed, right?

There are only four people at a table, which is enough to eat for two hundred people at the same time.

Even if he has two meals a day, at noon and at night, there are at least 400 people a day.

Of course, it must not be so popular at first, and it is impossible to sit all the seats.

In the beginning, I gave them a little less, even if he only had fifty guests a day.

Fifty guests a day, even if a guest only earns one dollar, this day is fifty dollars of gross profit.

The gross profit of fifty a day, minus twenty yuan of artificial water and electricity and other expenses, is it not too much to count him as a net profit of thirty quick money a day?

Thirty days a month, a net profit of thirty yuan a day, a month is a net profit of nine hundred yuan!

This is still my calculation of less, and if there are more customers in the future, then the profit will be more.

You see, the two of them earn at least 900 a month, and they only give us 300 a month interest, and they also make a net profit of 600, so you say, who earns more? ”

The third aunt blinked: "It seems that our eldest son and eldest daughter-in-law earn more?" ”

"That can't be said either." The third uncle smiled and said, "It is risky for people to open the door to do business, and it is hard money, and it is necessary to earn more."

But no matter what, the money they make from opening a restaurant will definitely earn more than the interest we want, and they will definitely be able to give us interest.

Besides, the higher interest rate I want is not purely to make money, but more to put a little pressure on the two of them.

When the two of them are under pressure, they will be more attentive to doing business and will not be so-so and fool people.

So you see, I want them to be very profitable, this is to help them improve, so that they can run restaurants better, don't you think this is the reason? ”

"Yes, yes, that's right!" The third aunt said happily, "Old man, if you want to talk about this calculation, it has to be you!" ”

"That's it!"

The third uncle picked up the teapot and took a sip of tea at the mouth of the teapot, and then put down the teapot and said:

"If you can't eat poorly, you can't eat poorly, and if you can't calculate, you will suffer poor!

This ginger has to be old and spicy! ”

7017k