Rebirth of financial migrant workers

Chapter 297 "Beheading"

Although he didn't want to admit it, as Wang Chunliang said, Liu Qingqing was not stupid and had long been suspicious of the female player named Yanzi.

It's just that he still retains a trace of luck in his heart, and at the same time he doesn't want others to burst this last layer of fantasy bubbles.

But Wang Chunliang would not tolerate him, and ruthlessly revealed the truth, leaving him with nowhere to escape.

Until this time, Liu Qingqing truly knew everything and said everything.

Wen Chuxin was still the first to ask:

"What is that Yanzi's full name and where is she? Have you met her offline?"

Liu Qingqing frowned and replied stutteringly:
"She, she said her full name was Zhou Yan. She asked me to call her Yanzi. She told me that she was in Kuncheng and was studying in university. We had never met. I had said several times that I wanted to go to Kuncheng. Looking at her, it turns out that she always says that she is socially anxious, and that it will not be awkward to meet again after we both understand each other in the game."

Hearing the word 'social fear', the eldest lady's eyes lit up while she was sitting on Wang Chunliang's lap, and then she held Wang Chunliang's hand.

"Qingqing, Qingqing, you are so good. She just chatted with you online and you didn't even meet her in person, and you fell in love with her?"

"What's the point of 'coincidence'? People have already targeted you."

That is to say, the Internet technology is not mature yet. Otherwise, if you search on Baidu Pictures, you will definitely be able to find the Internet source of this picture.

"That loan is called a 'student loan'. I only signed a contract and they didn't give it to me."

Wang Chunliang was not surprised by Liu Qingqing's answer, which is why later small loans and online loans tended to target college students.

The proprietress gasped and was very angry, "I've heard this a lot. Maybe the person you're chatting with online is actually a big guy who picks his feet!"

However, this photo is definitely not of him.

Wang Chunliang glanced at it, oh, it looked quite innocent. For an introverted otaku like Liu Qingqing, it was extremely lethal.

The landlady sighed, and with rich social experience, she complained in a low voice:

Wen Chuxin tapped the notebook with the pen in her hand and asked:
"What's the name of the loan? A normal loan will have a contract. Even if it's an informal personal loan, there should be an IOU. Where did you put the contract you signed and kept?"

The big reporter nodded and put a big cross behind what he just recorded:
"Okay, the information about this Yanzi is limited, so let's not talk about it for now. However, who introduced you to small loans? You must have met this person, right?"

After that, he took out his mobile phone, opened the photo of the swallow in the album, and showed it to everyone.

Although they have reached adulthood and have full capacity for civil conduct, they seriously lack social experience.

"I have seen him. He is a senior in our school. His name is Yao Pengyun, known as Brother Yun. He does well in our school and has a good relationship with the teachers. At that time, the bonding props in the game required a goodwill potion of 398 yuan and two rings. 600 yuan, a total of 998 yuan, but my living expenses are only 600 yuan per month. Then one night when I was in the dormitory, I happened to encounter Brother Yun selling loan products in one dormitory after another. In the end, "

The landlady picked up the mirror placed on the bedside table and handed it to Liu Qingqing:
"Come on, take a look at it for yourself. Would a girl with that long photo like you fall in love with someone like you through online chatting and playing games?"

Liu Qingqing immediately fainted, and Wen Chuxin continued to ask:
"Do you have the other party's mobile phone or landline number? I can find them."

Liu Qingqing shook his head:
"I only have her QQ number."

Liu Qingqing shrank his neck reflexively, but in order to defend his remaining reputation, he still stiffened his neck and said:
"Impossible, absolutely impossible. She had a voice chat with me, and her voice was so gentle. And I have her photos on my phone. If you don't believe me, take a look."

They are prone to compromise in lending relationships, do not know how to protect themselves, and are easily controlled.

Wen Chuxin: "What about the loan repayment period and interest rate? You should still remember this, right?"

Liu Qingqing scratched his head and replied: "The loan period is two weeks and the interest rate is 2%."

Wen Chuxin was surprised when he heard this:
"Huh? 2%? What is the bank's current interest rate?"

Wang Chunliang blurted out:

"The general one-year benchmark interest rate is 5.31%."

"Then how come the interest rate of this 'student loan' is set lower than that of the bank?"

"Because this 2% is not an annual interest rate but a monthly interest rate."

Wang Chunliang hit the nail on the head. He was too familiar with the various tricks these private lending and small loan companies like to play. In order to sound good, the interest rate they mentioned must not be the annualized interest rate.

The proprietress is not a person related to the financial industry, so she couldn't react to this for a while.

Liu Qingqing was scratching his head, somewhat confused about what annualized interest rate was.

"Let me ask you, you borrowed 2000 yuan, how much did you pay back when it was due in two weeks?"

"2020 dollars."

"So the two-week interest is 20 yuan, and the monthly interest is 40 yuan, that is, the monthly interest rate is 2%, which translates into an annualized interest rate of 24%."

While recording these data with a pen, WenDa reporter exclaimed:

"24%? So high! Is this a loan shark?"

Wang Chunliang continued to popularize science:

"Usury refers to loans with annual interest rates exceeding 36%. For general loans, as long as the interest rate does not exceed 4 times the benchmark interest rate for the same period, they are protected by law."

"According to the benchmark you mentioned is 5.31%, the upper limit of protection is 21.24%, which means that this 'student loan' is still excessive."

Faced with the new viewpoints put forward by Wen Chuxin, Wang Chunliang continued to popularize science:
"So these small loan companies are very stupid. They deliberately set the repayment period very short, firstly to reduce risks, and secondly to weaken the concept of protecting interest rates. Small loans and loan sharks also have a common feature , that is, they will force you to borrow new ones and pay back old ones.”

Wen Chuxin looked at Liu Qingqing and asked:
"The monthly living expenses your sister gives you is definitely not enough to repay the 2000 yuan, so in addition to recharging the game with your second loan, you also have to make up for the hole in the first loan?"

"The second time I borrowed 3000 yuan, I paid back 2000 yuan, and the rest was put into the game. Then the third time I borrowed more than 4000 yuan, and that's about it. Every time I borrowed more than before. Go to In the end, it reached the yuan they said. When I wanted to borrow again, they said that I had borrowed too much and had been under risk control. I had to pay back what I owed before I could borrow again."

"This is because they think it's time to cut the leeks. Anyway, your family has your sister to take care of everything. Although 50,000 yuan is stressful, it's not something you can't afford to pay back."

After listening to these contents, the lady boss said nothing, feeling angry and helpless.

After holding it in for a while, she murmured:

"In this case, the only thing I can do is return the 50,000 yuan to others honestly."

"Not necessarily."

Wang Chunliang interrupted, "These repeated loans eventually amounted to 50,000 yuan. Among them, part of the funds for each loan must not reach Qingqing's hands. This part of the funds is commonly known as 'head interest' .”

(End of this chapter)