After standing at the gate of the courtyard for a while, Zhang Lan turned around and entered the house. Zhang Hu had already written the list and was sitting on the sofa with his head down and smoking. Zhang Lan picked up the paper, looked at it and asked Zhang Hu: "That's all there is to borrow private, right?" ”

"That's all, everything else is bank and online loans." Zhang Hu replied in a low voice.

Zhang Lan put the paper back on the table, walked over and patted Zhang Hu on the shoulder: "Brother, you can owe so much in less than half a year." I called you before and said that the contractor made a lot of money, and you borrowed money for half a day. ”

"I didn't expect to encounter a flood, but there was nothing to do after the project was completed normally, and it turned out to be like this." Zhang Hu sighed and thought it was his bad luck.

Zhang Lan originally wanted to tell Zhang Hu what he did wrong, but looking at Zhang Hu's appearance, he still dispelled his attention.

By the time Fang Xia and Uncle Zhang Dajiang came back from the town bank, it was already more than eleven o'clock. Zhang Lan simply asked Fang Xia to bring her eldest aunt Li Chunhong and the two children over, and everyone had lunch together at Zhang Lan's house.

After eating, the two children went home to watch TV together, and the uncle's family and Zhang Lan's family sat on the sofa and talked about Zhang Hu.

Zhang Lan took Zhang Hu and Fang Xia's credit reports and calculated, only the online loans on the credit report Zhang Hu had more than 200,000 yuan in his name, but the credit card was not empty, Zhang Hu had six, and Fang Xia's four. It adds up to about 300,000, and about 200,000 were used, mainly Zhang Hu's card. Fang Xia's card limit is a little left, and there is still more than 50,000 dollars.

The list of arrears listed by Zhang Hu on the paper was similar to what Fang Xia said, and Zhang Lan added more than 400,000 yuan. After adding all the numbers together and counting them, Zhang Lan handed the paper in his hand to his uncle, and Zhang Dajiang said, "Uncle Ling, take a look." ”

Zhang Dajiang took the paper written by Zhang Lan and looked at it, Li Chunhong, the eldest aunt on the side, poked her head to take a look, looked at the numbers below, and instantly sat on the sofa and sobbed, Zhang Lan's mother hurriedly went over and whispered comfort.

Zhang Dajiang looked at the paper for a long time, and finally sighed and said: "It's more than two million, what to pay back." I think Zhang Lan, you don't care, that's it. ”

Zhang Lan and Uncle Zhang Dajiang explained: "Uncle, don't look at this number, you can still get over." ”

Zhang Lan took a piece of paper and said while writing with Zhang Dajiang: "Needless to say, the bank loan, leave it alone for the time being." You don't have to worry about any platform for online loans, and don't care about it for now. Then there's credit cards and private borrowing. Let's talk about private loans first, my brother borrowed basically relatives and acquaintances, and his friends also borrowed a little, all of which were about 10,000 or 20,000 yuan, adding up to about 50,000 or 60,000 yuan. ”

"That is, relatives and acquaintances here are about 400,000, uncle, you have 160,000, and I will take out another 250,000. I'll call some of my aunts tomorrow. Then settle the account for my brother. Cleared out all relatives and acquaintances. As for my brother's friend's ......"

Zhang Lan raised her head and said to Zhang Hu and Fang Xia: "Brother Hu, come here with your sister-in-law, I'll tell you." ”

When Zhang Hu and Fang Xia came to the coffee table, Zhang Lan took another piece of paper and said, "Brother Hu, your credit card and my sister-in-law's credit card add up to ten, and now the limit is 300,000, and there are more than 50,000 left." After repaying the loan from relatives and friends tomorrow, you will be left with your friend's loan of 50,000 or 60,000 yuan. Then the online loan is now overdue, and you don't have to repay the bank loan, I estimate that the loan should be signed as a mortgage contract for the construction in progress, you take the contract to ask the lawyer, if so, just let the bank take the contract. ”

"Sister-in-law, you put away all the credit cards in the future, don't pay back my brother's friend's money first, the remaining credit card limit of more than 50,000 yuan and the money you two earn every month in the future should be enough to be recycled. In this way, my brother used my uncle's ID card to get a new phone card, and went out to earn money and used my uncle's bank card. The credit card side can be recycled on time after the online loan is overdue on the credit report, and if the limit is reduced or can't be swiped, then don't pay it back first, so that as long as my brother is collecting from the bank and the online loan, the family is psychologically prepared. In the future, just concentrate on earning money. ”

After listening to Zhang Lan's analysis, the solemn expression on Zhang Dajiang's face relaxed a lot, and he asked Zhang Hu on the side: "Zhang Hu, do you see Zhang Lan saying that this is not true?" I look at the middle of the year, the two of us work hard to earn money, and it is still okay to pay off 100,000 yuan a year for daily expenses, and we can pay back this little head in four or five years. As for the loan of more than one million, what contract did you sign at the beginning? ”

"It's the mortgage contract for the construction in progress that Zhang Lan said, but it doesn't seem to be a moat, and I don't know how they operated it, so it was finally done." Zhang Hu looked down at the numbers Zhang Lan wrote on the paper and said.

"Since it's that contract, now you don't care how people get it. You take the contract to a lawyer and ask it, and ask the bank to take the contract away, and how much money people can earn in the future is their business, so don't think about it. The remaining six or seven hundred thousand have been strengthened in the past few years. Seeing that there was hope, Zhang Dajiang also had motivation.

Everyone discussed tomorrow's affairs, and Zhang Dajiang's family left Zhang Lan's house and walked to their own house.

sent Zhang Dajiang's family away and returned to the house. Zhang Lan's mother sat on the sofa and said, "Zhang Hu, this kid looks shrewd and capable, but he didn't expect to fall so big. It's only been a few months, Zhang Lan, what do you do in the future, you have to look at this. ”

didn't wait for Zhang Lan to speak, and then said again: "If it weren't for Zhang Hu's child, I wouldn't let you borrow a penny." When your father was in the hospital, your uncle took 200 yuan when he went, or Zhang Hu didn't know where to find 10,000 yuan and sent it over. Now he has something to do at home, and the money is more than 100,000 yuan, and he paid back 50,000 yuan in the village a few days ago. I saw that he still had money. ”

Zhang Lan interrupted her mother's complaint with a smile: "Mom, don't say this, Zhang Hu was running before and after the hospital at that time, and he helped clean up the mess at home when we were in a hurry." When he was hospitalized, he went to replace him as long as he was free, and the hospital said that you were the same as the two sons, and now I am paying for it. If you don't have any money, forget it, but it's not a problem for me to pay this money now, so it's the right thing to do. ”

"You have money, why don't you pay it back for him if you have money?" Zhang Lan's mother's face was a little unbearable, and she complained casually.

"Helping the emergency is not helping the poor, helping him pay back the money is not the goal, just don't make this mistake after you can accept the lesson. I looked at Zhang Hu and still didn't accept this in my heart, just return my relatives and friends for him, if he has the ability to borrow it again, I won't be able to manage it in the future. Zhang Lan and her mother explained.

After seeing that it was still early, Zhang Lan went to the village committee to ask about the collapsed houses on both sides of the old house, and now the old house is displayed on the panel, Zhang Lan has the intention to take this opportunity to expand the old house a little more, and when the time comes, get a few flower beds and plant medicinal materials, if you can use merit to upgrade the raw materials of the third-level medicine that Zhang Lan has been thinking about for a long time, it will not be a problem.

I know that my writing is terrible, and I usually read it roughly after I finish writing and upload it. I didn't catch up with the invitation code of the writer's assistant on the street, and I heard that the new feature in the internal test can automatically correct typos, and I am still envious.

I'm now slowly correcting the previous typos and small bugs under the great reminder of the reader, basically adhering to the principle of not following the first.

It's when I find a name or plot bug.,Now I'm going to revise the previous chapters based on the future.。 Try not to affect the reading experience of the readers who are chasing more.

Thank you readers for your tolerance and support to me, a novice street writer! May fresh peaches kneel down here!!

(End of chapter)