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Chapter 296: Clever Snatching

Seeing the person coming, Fang Yuhe suddenly frowned: "What are you doing here?"

"Yo, it's not easy to have guests. The person who came grinned, lit a cigarette for himself first, took a puff, spit out a mouthful of eye circles, and then said slowly: "I didn't have anything else to do, I just came to remind you, the repayment date, but it will be three days later." ”

"If you don't pay by then, I suggest you pack up and get out of the store as soon as possible, so that we don't have to get into trouble when the time comes. ”

Hearing this, Fang Yuhe sighed and said, "Don't worry, I've got the money ready, I'll go back and get it." ”

With that, he went to the back room.

Su Minjing glanced at a few people, and obviously could feel that these people had bad intentions, so she quickly grabbed Fang Yuhe, lowered her voice and asked, "Grandpa Fang, who are those people, what's the matter?"

"Su girl, you also know that my small shop is outdated, and business is getting worse and worse. In the first few months, I couldn't stand it, and I didn't have any money to buy the goods, so I went to borrow some money from them. Fang Yuhe sighed and said.

These days, there are fewer and fewer people who are interested in incense.

Even big customers such as temples in the past have now chosen to cooperate with large factories, and it is becoming more and more difficult for small shops like their own.

When I was short of money, these people came to the door and said that they could provide a loan with no interest for the first two months.

As collateral, it is naturally this shop.

However, Fang Yuhe felt that he would definitely be able to pay it back when the time came, and it would be good to borrow it from relatives and friends, so he agreed to come down and borrowed 100,000 yuan.

"Grandpa Fang, why don't you tell me, if you are financially difficult, I can borrow you first. Su Minjing frowned and said.

The guys waiting outside don't look like good people, but don't get into any trouble because of this.

"Hey, what a big deal, don't bother you. Fang Yuhe smiled, took out a black package from the back room, and after opening it, there was more than 100,000 yuan in cash inside

"It's a total of 104,000 eight, I borrowed it for four months, and the interest rate I said was 2.4% per month, so you can count it. Fang Yuhe sighed.

If it weren't really difficult, he wouldn't have borrowed this money from these people to buy goods, and the extra 4,000 yuan of interest was close to his income for two months.

But there is no way, recently opened an incense store opposite, business is very good, if the store is not complete, the customers will run out.

"Ha, the monthly interest rate is 2.4%? Old man Fang, are you old and dazzled? ”

The man who took the lead on the other party smiled coldly, took out a piece of paper, and sneered: "The contract we signed is 2.4% per day, and the first two months are interest-free, but you have borrowed a total of four months, and I calculate, even with interest, you have to repay a total of 240,000." ”

When Fang Yuhe heard this, his face turned pale with fright, and his voice became trembling: "You...... The contract you showed me was obviously 2.4% per month and 2.4% per day, don't you fool people, what ...... Where is there such a high interest!"

He was really frightened, he only borrowed 100,000 yuan in total, and now it has only been four months, and he actually has to repay 240,000 yuan, which is too exaggerated!

"Show me!" Su Minjing took the contract in the man's hand and quickly glanced at it, and couldn't help but be stunned.

Because what is written in this contract is really 2.4% daily interest!

"You guys are deceiving people like this, it's not the same as saying yes! I don't have so much money......" Fang Yuhe was anxious, where could he get 240,000 yuan, just this 100,000 yuan, he still borrowed it from relatives.

"There's no money, that's simple, use this shop as collateral, you don't have to pay back the money. The man laughed.

When Fang Yuhe heard this, he became even more anxious, this is a shop that has been passed down from the ancestors for three generations, and it can't be broken in his own hands.

The shop was rebuilt in a fire more than 30 years ago, and he took over the shop from his father at that time.

Before that, Fang Yuhe's grandfathers were in business, and if you really calculate it, this store is not a century-old store, but it has a history of sixty or seventy years, but you can't say that it is not there.

Lin Junhe frowned, glanced at a few people, and saw a hint of clues.

These people, it seems, are coming for the store?

It is very likely that this loan is just a pretense, just a trap set up by them to defraud this store.

"How much is this store worth?" Lin Junhe asked.

"Seven or eight hundred thousand. Fang Yuhe subconsciously replied, he now looked like a master of the six gods, and he was really frightened by the other party's words.

Hearing this, Lin Junhe sneered, looked at a few people, and said coldly: "I want to get this shop for 100,000 yuan, you really have a good calculation." ”

"Boy, what kind of green onion are you, I advise you not to meddle in your business!" The man who took the lead smiled coldly, pointed to the contract disdainfully, and said: "The white paper is clearly written, and you use this shop as a mortgage if you don't pay for it, why, you still want to play tricks?"

"I'll tell you, this thing has legal effect! Old man Fang, if you dare to break the contract, you will go to prison!"

Su Minjing listened from the sidelines, and was really angry and gritted her teeth.

In these years, the hooligans are still literate and know how to talk about the law?

"The state stipulates that the annual interest rate of more than 36% is considered usury, and you have already exceeded it, this is an invalid contract, and we don't have to pay back the part that exceeds the statutory interest. Su Minjing said angrily with the contract.

"Really?" When Fang Yuhe heard this, it was as if he had seen a savior.

He was old and didn't know much about the law, so he knew that he had indeed signed the contract, and he thought that if he signed the contract, he had to fulfill it.

The man shouted, Fang Yuhe was really frightened.

"Yo, my little sister understands a lot. The man in charge frowned, but he immediately snorted disdainfully, and said, "But even if it's 36% interest, can he get it?"

"He can't take it out, I'll help him!" Su Minjing gritted her silver teeth and said.

"Yo, you're so rich, but I'd advise you to take a closer look at the contract. The leader smiled coldly and pointed to a few articles on the contract.

Su Minjing looked at it and was a little dumbfounded, because it was actually written in the contract that the loan period was three months, and if she exceeded this period, she would have to pay a late fee of 2,000 yuan a day.

Fang Yuhe was also dumbfounded when he saw it: "This is different from the contract I showed me at the beginning!"

"I forgot to say, this is a supplementary clause to the contract, I gave you a brief contract, the above can be understood, you sign, you agree to all the supplementary clauses by default. ”

The man in the lead grinned and sneered, looking like he had eaten Fang Yuhe.