Chapter 008 Loans

At noon today, Ma Xiaofei made an appointment with Deng Gang, a loan officer of the credit union, for a drink.

Ma Xiaofei washed his face in the barber shop and was about to scrub the towel Xia Chunyan gave last night.

Xia Chunyan came over and snatched it away: "Aren't you still in trouble." ”

Ma Xiaofei nodded and said, "Sister Yan, let's have dinner at 7 o'clock in the evening, you finish work early." ”

Xia Chunyan smiled: "Well, go get busy, I'll wait for you." ”

Deng Gang from the credit union came over soon, and Ma Xiaofei asked him to have dinner at the guest house restaurant.

Deng Gang and Ma Xiaofei are fellow villagers, and their hometowns are in Qingba Township, which is adjacent to Long'an Town.

There are only 6 villages, and the town is a small town with two small streets, and there are less than 500 people living in the township.

The two sat down, Ma Xiaofei ordered food and asked for a bottle of special qu wine for more than 60 yuan.

After drinking three glasses of wine with Deng Gang, Ma Xiaofei said, "Brother Gang, I want to ask you for a favor and take out a loan in the credit union." ”

Deng Gang smiled: "Our brother, for such a trivial matter, you can just say hello directly." How much do you want to borrow and for how long? ”

Ma Xiaofei said: "At least 30,000 yuan, loan for two years, is there a way for Brother Gang?" ”

Deng Gang was stunned: "What are you borrowing so much money for?" ”

Ma Xiaofei said: "I do business with my classmates in Jinyang, and I want to invest 100,000 yuan, and I will join the group." ”

Deng Gang thought about it and said: "Xiaofei, you are a government cadre, and it is easy to say that you can borrow a few thousand yuan or 10,000 yuan." You want to borrow 30,000 yuan, which is a bit troublesome. ”

Ma Xiaofei smiled slightly: "Brother Gang, you are an old loan officer, 30,000 yuan can also be called trouble?" ”

Deng Gang said: "I can help you find a way, and you have to do me a favor." ”

Ma Xiaofei said: "As long as I can do it, there will be no problem." ”

Deng Gang said with a smile: "Actually, it's simple, you manage the extra-budgetary funds of the Finance Institute, help me save a fixed amount, 6 months is enough, I carry the task."

After the deposit matures, you can convert it to a current account, and you can still receive a sum of interest money.

6 months fixed, the annualized interest rate is 7.2%......"

Ma Xiaofei shook his head and said: "Brother Gang, I am resolutely not touching public funds, the interest money must be credited to the account, how often do you need to complete the task?" ”

Deng Gang said: "In the first half of the year, I was still short of 500,000 tasks, and you helped me solve 300,000, how about it?" ”

Ma Xiaofei frowned slightly: "Brother Gang, there are less than 400,000 left in the extra-budgetary account of the Finance Institute." ”

Deng Gang said with a smile: "It's mid-May, and next month you will start to collect and retain again, which is more than 10 million." ”

Ma Xiaofei handed Deng Gang a cigarette, lit one himself, and thought about it: "I have a 6-month fixed deposit of 300,000 yuan, can you help me lend 50,000 yuan?" ”

Deng Gang shook his head: "50,000 is impossible, you have to nod the director, I will help you loan 40,000 at most." ”

Ma Xiaofei said: "Okay, 40,000 is 40,000, thank you, Brother Gang......"

What Ma Xiaofei thinks is that the extra-budgetary account arranges 300,000 yuan to be deposited for half a year, and it should not be a big problem.

Beginning in June, the farmers in the town will have to pay the retention fee, 16 villages under the jurisdiction of Long'an Town, the agricultural population is close to 40,000, this year's retention fee standard is 280 yuan per person.

According to the usual practice, by August, it is expected to be able to collect nearly 10 million retention fees, in addition to the funds of various departments at the county level, Long'an Town can retain more than 3 million.

In this matter, just wait for a few days, buy some cigarettes and alcohol, and then invite the director Zheng Dagui to have a meal and say hello.

After the two of them had dinner, they went to the credit union to go through the formalities, and it was done in half an hour.

Ma Xiaofei first deposited 300,000 yuan in the account of the finance office for a half-year fixed term, and then took out a personal loan of 40,000 yuan.

The two-year loan interest rate is 1%2, with an annualized rate of 14.4%.

Ma Xiaofei doesn't care, the 40,000 yuan loan is in his hands, and it is estimated that it can be multiplied dozens of times in two years.

Ma Xiaofei withdrew 2,000 yuan from his personal deposit account, and at two o'clock at noon, he came out of the credit union with 62,000 cash in his backpack.

Back in the dormitory, Ma Xiaofei fell asleep, but as a result, he encountered a ghost pressing the bed again in his sleep, and when he woke up, he was sweating profusely.

After taking a cold shower and looking in the mirror, Ma Xiaofei suddenly felt a little disgusted with his parted hairstyle.

After drinking a bowl of mung bean soup on the table, Ma Xiaofei went downstairs to the office first, ready to lock the canvas bag in the safe, and then go to the barbershop.

Passing by the entrance of the government office, a woman in her 30s in the house shouted: "Pony! ”

This is Liu Fang, deputy director of the Government Office, who is on duty today.

Ma Xiaofei walked into the house and asked with a smile: "Sister Fang, is there something wrong?" ”

"There's your money transfer."

Liu Fang opened the drawer, took out three remittance slips and handed them over, and praised: "1800 yuan, Xiaoma, you are really a great talent." ”

"Sister Fang, thank you."

Ma Xiaofei took the remittance slip and looked at it, a "bosom friend" magazine, there were 1,500 yuan. The other two are from two newspapers in the south, totaling 300 yuan.

Ma Xiaofei instantly remembered that the manuscript fee for "Bosom Friend" was still a 6,000-word manuscript submitted at the end of March.

At that time, Ma Xiaofei was related to him, and as a correspondent of Jinyang Daily, he went to the prison to visit Ma Sange and others, and then went to the Municipal Public Security Bureau to interview the case and write a documentary.

In the past two years, Ma Xiaofei has posted six or seven drafts in "Bosom Friend".

After collecting the remittance slip, Ma Xiaofei went up to the second floor, and in the office of the Finance Office, the director Zheng Dagui, and the cashiers Lao Chen and Zhang Chunhua were all there.

Two men and one woman, both drinking tea and reading the newspaper.

Ma Xiaofei sat at the workstation, opened the drawer, took out a box of Tashan cigarettes, and threw one to Zheng Dagui and Lao Chen.

After lighting a cigarette, Ma Xiaofei said: "Brother Gui, I have something to go to Jinyang, and I may have to delay it for a week, so I will ask you for a leave." ”

Zheng Dagui nodded and smiled: "Go, during this time, there is nothing to do in the office......"

After sitting in the office for a while and locking his backpack in the safe, Ma Xiaofei went to the credit union to redeem the remittance and keep it for the cost of going to Jinyang this time.

In the barber shop, Xia Chunyan was perming Wu Lina, director of the Family Planning Office, while Zhao Xiaofang was observing.

Ma Xiaofei said hello to Wu Lina, and Zhao Xiaofang went into the back room, took out a bag, and took out a roll of wool.

"Brother Xiaofei, look, the wool has been bought, authentic wool, do you want a peach heart collar or a round neck?"

Ma Xiaofei glanced at the blue-gray wool: "I like round necks." ”

Zhao Xiaofang smiled: "Well, I also think you look good in a round neck." ”

Ma Xiaofei sat on the swivel chair and beckoned: "Xiaofang, give you a chance to practice and help me cut my hair." ”

Zhao Xiaofang shook her head again and again: "Brother Xiaofei, I don't dare to cut your hair." ”

Ma Xiaofei said disdainfully: "Give you a chance, you don't dare to get started, you can help me cut it into short inches." ”

Zhao Xiaofang was stunned: "You want to cut your head, is it really fake?" ”

Ma Xiaofei said: "If you want to cut it, you can cut it, where is so much nonsense." ”

Xia Chunyan looked at Ma Xiaofei and said, "Xiaofei, your hair is very soft, black and dense, this hairstyle matches your face shape very well, just fix it." It would be a shame if it was cut into short inches. ”

Zhao Xiaofang also said: "Yes, Brother Xiaofei, this hairstyle is the most suitable for you, very handsome." ”

Wu Lina smiled: "Xiaoma, Chunyan and Xiaofang are right, your hairstyle is very good." ”

Ma Xiaofei said: "Sister Na, it's hot, I love to sweat, if I don't care about my image, I want to shave my head." ”

When Xia Chunyan heard this, she sneered: "Xiaofang, then you cut Xiaofei first, Sister Na's side is almost fine......"