Rebirth of the courtyard, the start is 80s

Chapter 149
After parting with He Yuzhu, Cao Zhiqiang didn't stay any longer, went out of the room, put on his bicycle, and was about to leave.

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

After talking and talking, Cao Zhiqiang was dragged into her house by the third aunt.

As a result, as soon as he entered, he saw that the third uncle was also there.

Looking at that posture, it was already waiting for him.

Regarding this, Cao Zhiqiang was no longer polite, and asked directly after sitting down: "Three uncles and three aunts, if you have anything to say, just tell me, I'm very busy, let's talk about it earlier."

The third uncle smiled: "Well, since this is the case, then I will also say something cheerful. Zhiqiang, I came to you this time to borrow money from you."

"Borrowing money?" Cao Zhiqiang was taken aback for a moment, then smiled, "Is it to open a restaurant for your daughter-in-law?"

Uncle San patted his thigh, looked at Aunt San and said, "Why don't you tell me, Zhiqiang is a smart person, and he understands it as soon as he hears it."

"That's right!" The third aunt said with a smile, "I've seen Zhiqiang since he was a child. This kid has been smart since he was a child. How can you hide your little scheme from him?"

"Yes." The third uncle nodded, "There are talents from generation to generation, and a new generation replaces the old ones!"

Cao Zhiqiang sighed: "Three uncles and three aunts, I've said it straight up to this point.

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

You ask me to borrow money, what do you use as collateral? "

"I still need collateral?" The third aunt immediately frowned.

"That's right!" Cao Zhiqiang nodded, "No one's money came from the wind, even if we have a good relationship, our brothers still settle accounts clearly.

So, if you are willing to borrow money, it is easy to say, but there must be collateral.

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

"But look at our family, we don't have anything valuable to mortgage." The third aunt said, "Why don't we use our TV as collateral?"

"What are you talking about?" The third uncle immediately dissatisfied, "How can the TV be used as collateral? Besides, how much money can it be mortgaged?"

Cao Zhiqiang smiled: "Third Master, Third Aunt, don't you have a house? If you use the house as a mortgage, it's okay."

"Using the house as collateral?" Third Aunt immediately frowned, "Isn't that appropriate?"

Cao Zhiqiang shrugged: "Then there is nothing I can do to help you. Anyway, if you want to borrow money from me, you must pledge something that I like. For your family, this house is okay, and the rest is just, hehe."

Just as the third aunt was about to speak, the third uncle 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 take this house as mortgage, how much can you borrow?"

Cao Zhiqiang looked left and right, and then sighed: "To be honest, I didn't want to go through this muddy water, but since the third uncle spoke up, it would be inappropriate for me not to help.

In this way, if you take this house as a mortgage, I will be happy, and I will lend you 2000 yuan, how about it? "

"Only two thousand? Is it too little?" Third Aunt frowned.

Cao Zhiqiang said with a smile: "Third aunt, go and inquire about the market, if you sell this house now, see how much you can sell.

To put it bluntly, the price I offered is already enough to buy your house. This is not a mortgage price.

If it is really calculated according to the mortgage, it will be cut in half at least, and it is not bad to give you a thousand for your house.

I also saw Uncle San open his mouth, and out of favor, I agreed to lend you two thousand. "

"Cao Zhiqiang." The third uncle said with a smile, "I know, you are doing it for our own good, but two thousand is too little, can you add more? Do you think it is 3000 yuan?"

"Up to two thousand five." Cao Zhiqiang shook his head.

"Sure, two thousand five is two thousand five." The third uncle nodded, "Who made us short of money now."

Cao Zhiqiang nodded: "Okay, that's the deal, but what about the interest?"

"Ah?" The third aunt was surprised, "Is there still interest?"

"That's not true." Cao Zhiqiang said, "I deposit money in the bank with interest. If I lend it to you, you don't pay interest. Why should I lend it to you?"

"Don't you have our house as a mortgage?" said the third aunt.

"A mortgage is a mortgage, and interest is interest. Can this be the same?" Cao Zhiqiang frowned, "Third Aunt, you are so shrewd, you don't think I'm a fool, do you?"

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

Cao Zhiqiang nodded with a smile: "The third uncle is still reasonable."

"That's how it is." The third uncle said, "I'll lend you the money for one year, and I'll give you two cents a year, how about it? It's a good deal, right?"

Cao Zhiqiang shook his head amusedly: "Master, what are you thinking? Do you really think I don't understand anything?

Nowadays, the bank’s demand deposit interest rate is 2.16. If I borrow you for a year, it must be counted as a one-year term, right?You just give me two cents per annum?It is lower than the interest rate of demand deposits, it is not calculated like this! "

"Then let's count it as a one-year term." The third uncle said with a smile, "Now the bank's annual term is 3.96, and I will give you a quarter of the interest a year, how about it?"

Cao Zhiqiang laughed again and said: "Third uncle, you really know how to calculate, and the abacus is against the thief.

Nowadays, if you borrow money privately, which interest rate is not calculated on a monthly basis?
Generally, the fractional interest mentioned in private lending, such as one cent interest and two cent interest, refers to monthly interest. I have never heard that the annual interest is calculated according to the bank, and it is still the deposit interest rate.

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

According to this calculation, the annual interest is four cents, which is equal to the monthly interest of only three cents?
With such a small amount of interest, why do you act as if I have earned you a lot of money?
If this is the case, why are you borrowing money from me? Why don't you just ask the bank for a loan? "

At this time, the third aunt muttered to the side: "Bank loan? Then I have to be able to get a loan, isn't it that we can't get a loan, and now private individuals can't get a loan at all."

Cao Zhiqiang glanced at the third aunt, then shook his head and said, "Anyway, if you want to borrow money from me, you can't just give such a small interest.

A quarter profit a year?Do you have the nerve to say so?

This is not sincerely borrowing money, but using me as a kid and playing tricks on me. "

After being told by Cao Zhiqiang, the third uncle was not embarrassed at all, but smiled and said: "You can't say that, it's a bargain, don't you have to ask the price, and pay back the money on the spot?
Otherwise, since you don't agree with the interest I give, how much interest do you think is appropriate? "

Cao Zhiqiang thought for a while and said, "Third uncle, to be honest, I'm really not short of that little 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 they gave was much higher than what you gave. They just asked for a monthly interest of one cent, but I didn't agree.

But, third uncle, you are different, since you opened your mouth to me, I have to take care of your favor and face!
Let's do it, I'm too lazy to haggle with you.

One price, I will lend you [-] yuan, [-]% interest, settlement on January [-]st. "

The third aunt frowned and said, "Two thousand and five, two dividends, one settlement per month?

Doesn't this mean that we have to give you 50 yuan in interest every month?
Is this too high?No way! "

"No, it's fine." Cao Zhiqiang said with a slight smile.

"Don't, don't, don't." The third uncle said quickly, "Cao Zhiqiang, if you get half of the profit, you will get half of the profit, but can you increase the cost?

Two thousand and five is too little, my daughter-in-law is not enough to open a restaurant, you add five hundred, three thousand, 3000 yuan!
In this case, I will give you [-] interest a month, which is not a lot. "

Cao Zhiqiang sighed: "Come on, three thousand is three thousand, who told you to be my third uncle, I will sell this noodle."

"That's a good relationship." The third uncle said with a smile, "I'm here to accept your love."

At this time, the third aunt suddenly smiled and said: "Zhiqiang, since this is the case, you can forget about the mortgage of this property. You don't know who we are, and we promise to pay back the money."

Cao Zhiqiang sighed: "Third Aunt, of course I believe you, but that's not how it works.

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

If you easily borrowed 3000 yuan from me without collateral, once the news leaks out, will it still be worth it?
At that time, everyone who wants to come to my place to play the autumn wind will come to me to borrow money.

These people are either neighbors or neighbors, telling me to underestimate you when you grow up, and giving me a moral kidnapping from time to time, so should 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 human being inside and out, so why bother?
So, I want you to take real estate mortgages, that is, to tell everyone that if you want to borrow money from me, no matter how good the relationship is, it will be clear.

In this case, if someone asks me to borrow money again, they must weigh it carefully, and they will not think about borrowing money and not paying it back, and they will be empty-handed.

In addition, the reason why I want such a high interest rate is not to embarrass you, but to let others quit.

After all, even the two of you borrowed money from me with such a high interest rate. If other people knew about it, they would not dare to borrow from me easily.

In this way, I saved a lot of trouble.

Your second elder said, is 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're still the best, otherwise there are so many people in this compound, you are the one who can make the most money and is the richest.

Now it seems that you don't make money by luck, but by real ability, which is different from Xu Damao who makes money by cheating and abducting. "

Cao Zhiqiang smiled: "Okay, third uncle, don't give me a high hat, just say if it's okay, if you can, let's sign the contract now, and I'll give you the money on the spot."

The third uncle's eyes lit up: "Really? You, you have 3000 yuan on you right now?"

Cao Zhiqiang chuckled and didn't answer.

"Old lady!" The third uncle hurriedly said to the third aunt, "Quickly, go get the paper, pen, ink pad, carbon paper, and by the way, the real estate book!"

The third aunt nodded quickly: "Hey, wait, I'll go right away."

After speaking, the third aunt hurried to prepare.

Soon, the third aunt brought paper, pen, ink pad, carbon 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 and pressed his fingerprints together.

In this way, a simple loan contract is drawn up.

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

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

The reason is simple, that is, Cao Zhiqiang doesn't want to make trouble.

In the case of an IOU, at worst, you can still get the principal back with the IOU, which is protected by law.

But if interest is added to the IOU, especially the high interest of double interest-it is against the law these days!

Of course, people these days are not as shameless as later generations. They basically abide by the spirit of the contract, and it is rare for them to borrow money and not repay it.

Especially the third uncle, Cao Zhiqiang is a hundred rest assured.

Not to mention that the third uncle is a shameless person, but that the third uncle has a lot of savings over the years, only 3000 yuan, and he can definitely pay it back.

After the contract was signed, Cao Zhiqiang took out [-] cards of Great Unity from his pocket on the spot, and gave them directly to the third uncle.

After that, Cao Zhiqiang held the original handwritten contract and the real estate of the third uncle's house, and the third uncle held the rewritten contract.

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

As soon as Cao Zhiqiang left, the third aunt said to the cheerful third uncle: "Old man, why are you so happy? It's a two-cent profit. You have to pay someone 60 yuan a month. Can you afford it?"

"Why can't I afford it?" The third uncle smiled and flicked the copied contract with his finger, "I will lend it to you if you dare, and we will make a lot of money this time!"

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

The third uncle smiled and said: "You forgot, the last time our eldest son and eldest daughter-in-law came to borrow money? The money has to fall on them."

"What do you mean?" Third Aunt asked with a frown.

"Are you really confused or fake confused?"

The third uncle shook his head: "Then, think about it, didn't our eldest son and eldest daughter-in-law rush to borrow money from us to invest in opening a restaurant last time?
I didn't agree to it before, not only because I was afraid that if they lost money in business or something happened, they would not get their money back, but also, our money was deposited regularly, so it would be too uneconomical to take it out now.

This time it's different, we borrow money from Cao Zhiqiang, we don't need to touch our old capital, and we can lend it back to our eldest son and eldest daughter-in-law to earn the difference. "

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

"What stock to invest in?" The third uncle shook his head.

"Investing in shares is equivalent to giving them money for nothing. If you want to get the money back, when will you be the boss?
And if we lose money, our money will be wasted.

So, I plan to lend money to them and ask for interest, not much, and ask them for [-]% of the interest!

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

Then I will lend it to our eldest son and eldest daughter-in-law, and ask them for a very good profit.

This time and again, we didn't move anything, and we got [-]% of the profit every month.

3000 yuan is eight percent profit, which is 240 yuan per month, which is almost doubled in a year.

You add up your own total, which one is the most cost-effective? "

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

"It's also easy to handle." The third uncle said with a smile, "Do you know why I let you take the real estate as a mortgage for Cao Zhiqiang so happily?

In fact, even if Cao Zhiqiang didn't mention it, I would offer to take the real estate as collateral in the end.

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

Think about it, we all mortgaged the real estate to Cao Zhiqiang, and when the eldest son and eldest daughter-in-law ask us to borrow money, don’t they have to mortgage the real estate to us?

Anyway, the two of them are most anxious now. In order to get money, they probably agree to sell the house, let alone mortgage the property.

That is to say, the house is not easy to sell now, and the price cannot be raised. Otherwise, Yu Li will definitely sell his house and come back to live with us again.

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

Just in case, I mean just in case.

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

At that time, the worst situation has really come, the eldest son and the eldest daughter-in-law have lost money, and we can't pay back the money. 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, Cao Zhiqiang’s house is still solid, let’s talk about our eldest son’s house, which is a building allocated in the factory, and it is much more valuable than our shabby house, Cao Zhiqiang will definitely agree.

Even if Cao Zhiqiang doesn't agree to change the house book, that's okay.

At that time, it will be a big deal to give this house to Cao Zhiqiang, and we will move to the house of the eldest son.

The eldest son’s house book is in our hands, and the contract signed with him is also in our hands. 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. up.

If we really want to do this, we can still make money by exchanging houses for houses.

What's more, I don't think Cao Zhiqiang is so heartless. When that time comes, he probably won't really want our house. At most, he will ask us to pay back the money secretly.

If we continue to cry about being poor and sell poorly, he may even not even ask for 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 would not have brought 3000 yuan with me.

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

Inside and out, we will not lose.

If we use our own money to lend the eldest son and eldest daughter-in-law, they will really lose money, and they will probably be able to default on the debt by then. Who is our son and daughter-in-law? We can force them to death by then.

But if the money belonged to someone else, Cao Zhiqiang, the couple would have to pay it back. The nature is different.

So you see, the whole process, we have no risk at all.

There is no need to touch our capital, and we are not afraid of being kidnapped by family affection and morality. It's just that we can make a net profit of [-]% every month with peace of mind. What do you think of this business? "

"Oh, this is good, this business is good." The third aunt smiled.

But soon, the third aunt frowned again: "That's not right, old man, tell me, if we really want to lend money to the eldest son and eldest daughter-in-law, if they are very profitable, will they agree?"

"Why don't you agree?" The third uncle said with a smile, "Although the [-]% interest is high, no matter how you say it, you can still borrow money from us.

If we don't give them money, who else can they ask?Wouldn't it be impossible to do this business?

Cao Zhiqiang, you have also seen that he only borrowed it for my face, but Cao Zhiqiang has no friendship with our son, so why lend them money? "

"That's the story." The third aunt nodded, "But isn't the interest we want too harsh?
It's very profitable, it will double in ten months, and the monthly interest for us is 300 yuan!
As far as the small restaurant business of the couple is concerned, can they make money every month?

If you lose money and don't make money, and close the business soon, what can you do? "

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

"I've gone out and inquired about it. Now that you open a restaurant, the profit is huge. A dish that earns half of your profit is considered light.

If there is 3000 yuan in capital, the couple will buy tables, chairs, benches, pots and pans, do a little decoration, and then hire chefs and waiters. The remaining money is enough to rent a store of more than 500 square meters.

In a store of more than 500 square meters, at least [-] tables can be placed, right?
No matter how there are four people at a table, this means that 200 people can eat at the same time.

Even if he has two meals a day, noon and evening, that day is at least 400 people.

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

At first, I counted less for them, even if he only had fifty customers a day.

Fifty customers a day, even if a customer only earns him one yuan, this day is a gross profit of 50 yuan.

With a gross profit of 20 yuan a day, minus [-] yuan for artificial utilities and other expenses, it is not an exaggeration to calculate his net profit of [-] yuan a day, right?
30 days a month, with a net profit of 30 yuan per day, that is a net profit of 900 yuan a month!
This is because I count on the less. If there are more customers in the future, then I will earn more.

You see, the couple earn at least [-] a month in net income, and they only give us [-] a month in interest. "

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

"That can't be said that way." The third uncle said with a smile, "It's risky for people to open the door to do business, and it's hard money, so it's right to earn more.

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

Besides, the high interest rate I want is not purely for making money, but more to put a little pressure on the couple.

With the pressure on the couple, they will be more focused on doing business and will not fool people carelessly.

So you see, I want them to be very profitable. This is to help them improve and let them run restaurants better. Do you think this is the reason? "

"That's right, that's right!" The third aunt said cheerfully, "Old man, if you want to talk about this scheme, it has to be you!"

"That is!"

The third uncle happily picked up the teapot, took a sip of tea at the spout, then put down the teapot and said:
"If you can't eat poorly, you can't wear poorly, if you can't figure it out, you will suffer poorly!
This ginger must be old and spicy! "

(End of this chapter)