Tokyo: Starting with taking on his wife's debts

Ayako smiled, raised her chin, and without taking the cane, pointed to an office next to the bank counter with a VIP customer sign on the door, "I'm going there."

"If it were Riko, she would be too shy to let me carry her into a bank with so many people."

“If you don’t care about me, I’ll just stand here.” Ayako’s face turned cold. “Let’s see who gets impatient.”

It's all because she married you, isn't it? But do I dare? I have absolutely no chance!

Thankfully, he's a traitorous bastard...

“You win.” Xiuming shrugged. “You giant baby.”

After all, we were really in a rush.

Because the glass door was quite narrow, I could only bend down and use my right arm to support her thighs, like holding a child, and let her sit on my arm. Her weight of over 100 pounds was indeed quite heavy, especially her head, which felt like it was being weighed down by two watermelons, thankfully they were soft.

A young account manager wearing a light blue suit and a blue tie greeted them.

After Ayako presented her personal information and property certificate, he became even more respectful, keeping his back slightly bent and seemingly never raising his head.

"Mrs. Sugita, are you only borrowing 100 million yen?"

Although the account manager was speaking to Ayako, his eyes kept glancing at Xiuming, who hadn't said a word yet and had been standing in front of the brochure stand since entering the room, flipping through various financial products.

He had noticed the two when they were at the bank entrance. He had intended to go out to greet the VIP, but when he saw that the VIP seemed to be flirting with a strong man, he decided to wait quietly.

After all, he had seen Ayako's husband before; he had a delicate face and a frail physique.

The gap between her and this man is so vast and so striking. No wonder Mrs. Sugita acted coquettishly towards him; he must have many extraordinary qualities. I'm so envious.

"I never like being in debt, especially from banks. Unless it's a special circumstance, I don't want to take out this 100 million yen loan. Just process it for me already!" Ayako leaned back in her black leather executive chair, her left leg crossed over her right in black trousers, her hands resting flat on the mahogany armrests on either side, her left fingers lightly tapping the armrests, her nostrils flared toward the account manager.

Xiuming, standing next to him, kept his head down, flipping through brochures on financial products.

“Ah, okay, okay,” the account manager nodded repeatedly, casually turning his head to Hideaki, then his eyes lit up. He then pointed to the product brochure in Hideaki’s hand and said to Ayako, “Mrs. Sugita, when I saw the financial product that gentleman was holding, I suddenly remembered that the product is very suitable for your current situation.”

Xiuming looked up in surprise and met Ayako's gaze as she turned around.

"Really?" Ayako blinked and beckoned to Hideaki. "Honey, can I see that color brochure?"

Xiuming's face darkened, and he put the brochure back on the stand. "You'd better not look at it. Investing in this kind of financial product is not as good as investing in me."

【Financing-type variable insurance】, jointly launched by banks and life insurance companies, isn't this blatant fraud! Once signed, it cannot be cancelled.

The customer mortgages their property to the bank, and the bank first transfers the loan amount to the customer's bank account, which is equivalent to the loan being successful. A few dozen seconds later, the money is immediately transferred to the insurance company, which then invests the money in the stock market.

In a bull market, there might be a chance to make money, but in this economic climate, customers not only won't receive dividends, but they also have to pay loan interest to the bank every year. When customers can no longer afford to pay the interest, the bank will come to foreclose on the property.

This reminded Xiuming of a similar type of investment: gold investment.

The bank presents a customer with a piece of gold-colored paper that looks like trash, and tells the customer: This can be treated as gold, and its face value is equivalent to the amount of gold it is worth.

The actual gold is held in custody by the bank and not issued to the customer, and the bank refuses to allow the customer to cancel the contract.

Trusting the bank, the customer bought it, happily holding the worthless gold certificate, locking it in a safe, and treating it as a family heirloom.

The head of the company that issued the Gold Yuan was assassinated in the street by a furious swordsman.

However, this imitation of "financing variable insurance" will only end up being quickly taken off the market, and the public will be powerless against it, since it has power and connections.

Moreover, such insurance products have also played a positive role in the "market rescue plan".

Countless ordinary people who bought this financial product unknowingly propped up the stock market for a month, and then, unable to pay their mortgage interest, committed suicide by jumping off buildings.

When Hideaki showed disdain and disgust, the account manager was already convinced that Hideaki was being kept by Mrs. Sugita, a arrogant guy who only wanted money.

He felt a surge of envy and contempt for Hideaki, and immediately took out the same financial product from his desk drawer, spreading it out with both hands and pushing it onto the table in front of Ayako.

"Mrs. Sugita, you might want to take a look at this financial product specifically designed to cover inheritance tax. After all, the value of your property is nearly 1.5 billion yen, and when you have children in the future, it will be a very large expense when you want to pass it on to them..."

When Ayako heard the topic of children, her heart skipped a beat. She glanced at Hideaki subconsciously, and at the same time, she became interested in the colored pages on the table, so she picked them up.

The account manager was secretly delighted; as long as the customer picked it up, half the battle was won!

"Mrs. Sugita, our financial product will perfectly offset the inheritance tax expense. In the future, not only will your children not have to pay inheritance tax anymore, but you can also receive a high return dividend every year. It's a great deal!"

"Is it really that good?" Ayako held up the brochure and glanced at Hideaki. "If I buy this insurance, will my children really not have to pay inheritance tax in the future?"

"You can rest assured! This product is jointly launched by Matsuba Bank and Nippon Life Insurance Company. It is a century-old zaibatsu company, the largest life insurance company in Japan! Would they risk their century-old reputation for a little money?"

"Really?" Ayako continued to glance at Hideaki and said to the account manager, "Then how much is the premium?"

The account manager perked up, leaned forward, and waved his hands to increase his persuasiveness, displaying an extremely excited state:

"This is the most important point: to give back to the people and benefit society, our product doesn't require you to pay any extra fees; you only need to mortgage your property. After all, a house you live in has no monetary value and will only depreciate slowly. But if you buy this product, it's like making money with a property that has no monetary value. This is the purchase contract, and the terms are very clear."

When you sense a customer is hesitant, you should move the relationship forward in time... Hideaki glanced sideways, admiring the young man's business skills, but expressing his contempt for his professional ethics, as well as Matsuba Bank and Japan's largest life insurance company behind him.

I have no idea which wicked and unscrupulous person came up with this "financing-type variable insurance". I really want to poach him and have him work for me.

Ayako had already picked up the contract, her head turning back and forth as her gaze moved; clearly, she was really tempted.

The account manager had already placed the black pen within easy reach of Ayako.

"Mrs. Sugita, our product is selling incredibly well. Because it's so popular, so many people have bought it that even insurance companies and banks are realizing they might have to pay out. So, they've decided to officially remove it from the shelves on June 1st! Look, this is an official document with the company seal; the notice has already been issued. This is an internal document. It should have been removed from the shelves much earlier, but so many people wanted to buy it. Due to the overwhelming demand, the company's board of directors couldn't withstand the public pressure, so they postponed it for a month. If you don't buy it now, it will be too late. Mrs. Sugita, please make your decision!"

As soon as Ayako put down the contract, the account manager stood up, bent over at a ninety-degree angle, and held a pen in both hands, handing it to Ayako's fingertips.

Ayako only needs to slightly open her thumb to hold the pen in her hand.

She actually picked it up, and Xiuming took two steps forward and snatched it away from her.

"I thought you had a brain, but you've been using it all on me, haven't you?"

Xiuming slammed the pen on the table, ripped open the collar of his shirt to reveal his terrifying pectoral muscles, and looked down at the dumbfounded account manager with a head taller than him.

"Loans only! Cash only! No investment products! Using my small business owner status and personal credit, no real estate collateral! Get me the lowest interest rate! You dare to play tricks? Let me show you how powerful our group is! Do you know who our boss, Yangzi, is? He doesn't even respect the police! Are you scared? Watch out after get off work! You bastard!!"

After Xiuming finished speaking with his tongue out, he secretly thought that he would take some time to draw a "Pikachu" on his chest with a yellow watercolor pen, which would both advertise his brand and make him seem like an organized person.

Regarding the mortgage, although Ayako's mansion is worth over a billion yen, theoretically she could borrow 80% of that amount, but the interest rate is at a historical high of 8.5% with a floating rate. Furthermore, the actual loan amount depends on the borrower's annual income; the loan amount cannot exceed four times their annual income, with a maximum loan of ten million yen.

Ayako is just a high-level part-time worker at the Sugita family's doll factory, earning 600 million yen a year. Although she said it herself, it always felt like a lot of it was exaggerated, and she also invested all her money in her studio.

If you really want to use your property as collateral for a loan, you must be 100% certain that futures trading will be profitable. Otherwise, you might accidentally end up with a mountain of debt. You have to be very careful about this.

The bank's account manager seemed terrified, sweat beading on his forehead and his face deathly pale.

Although he had never heard of "Yihezu", the name was easy to understand.

After all, gangs are rampant these days, especially with the current economic downturn, which makes their business quite difficult. In order to seize territory and resources, they arrange fights almost every night, resulting in street brawls with machetes, steel pipes, broadswords, iron bars, and even guns.

The police could only wait until they finished fighting before turning on their sirens and telling them: We're here, stop fighting.

Chapter 48 Stand up!

Ayako sat in the chair, tilting her head back, her eyes constantly shifting between Hideaki and the account manager.

Hideaki is so domineering now, could he be mistaking me for Riko?

So happy...

Subconsciously recalling the scene in the bathroom that morning, I felt dizzy again and my face felt extremely hot.

He's so much better than my gay ex-husband; we're on completely different levels. Even though he hasn't done anything else, I can already foresee a bright future for us. I'm so looking forward to it; he's the light in my heart.

"What are you daydreaming about? Hurry up and fill out the loan application form." Xiuming tapped Ayako on the forehead with his right hand.

"Ah, okay!" Ayako snapped out of her daze, quickly grabbed a pen, and with a silly grin, scribbled down the loan application form for 100 million yen.

To prevent her from making any mistakes and filling in the wrong options, Xiuming checked the form carefully, especially the amount and collateral. After confirming that everything was correct, he threw the application form in the account manager's face.

She glared at him fiercely, slamming her hand on the table with a loud "bang!" "Get the loan out now! I need 100 million yen! If you waste another second, you'd better watch out after get off work!"

"Okay, sir! I'm so sorry to have taken up your time, I'll submit the materials right away..." The account manager ran out of the office with a sob in his voice.

This young account manager was originally just an assistant. He couldn't even make the loan himself for a small loan like 100 million yen; he had to apply to his superiors.

"That scoundrel who's using someone else's power to bully you." Xiuming seemed to have forgotten that he had just been "using someone else's power to bully you" as well, and said irritably, "If it were a female assistant trying to sell you this kind of rubbish product, I would have dumped her and made her pay a terrible price for her unscrupulous behavior!"

Ayako was stunned. He had clearly been trying to stand up for her, but the dazzling light on him disappeared, revealing his true nature as a scumbag.

"Since you dare to say that, then I won't hide it from you anymore. I will not tolerate you doing things like giving benefits to other women. If I find out, I will sabotage your relationship."

With his looks and physique, his animalistic stamina, and his awful personality, it seems quite possible... But I really like his honesty, and I envy Riko so much.

“Even Riko wouldn’t dare talk to me like that. Go somewhere cool and stay there.” Hideaki sat down across the mahogany square table from Ayako, with his legs propped up on the table.

"Hmph!" Ayako was secretly annoyed. She rolled her eyes, pressed down on Hideaki's feet, and stood up slightly. "Hey, I have a private office in my studio, and a table this big. Do you want to go take a look?"

"Is the soundproofing good?" Xiuming immediately sat up straight.

"It's amazing! You can even see outside through the glass. Outside is a pedestrian street, and lots of people are pressing their faces against the glass to look out. I tried it, and even if you're pressed against the glass, you can't see anything outside."

"Wow—there's such a great place?" Hideaki gasped, slapped his thigh, and said, "I'm going to take Riko to visit it tomorrow."

"Damn it!" Ayako slammed her hand on the table and stood up, her face changing as she slumped back into her chair, clutching her ankle and groaning.

There was a double knock on the door.

The account manager said cautiously, "Um... excuse me, is it convenient for you to open the door now?"

"..."

Even though I did nothing wrong, I was misunderstood.

Five minutes later, 100 million yen was deposited into Ayako's bank account.

The repayment period is 1 year, early repayment is allowed, the floating interest rate is 9%, the monthly payment is 87,500, and the total interest is 50000.

Ayako sat at the counter, holding her bank card, tilting her head to look up at Hideaki, her lips slightly parted in a smile, revealing four small white teeth, looking like a silly girl.

Xiuming shoved his bank card in front of her and said irritably, "What are you standing there for? Hurry up!"

Ayako's unusually well-behaved behavior surprised Hideaki.

Fortunately, it was the same bank, so there were no transfer fees.

Hideaki just received the money; 19 yen disappeared from his bank card, which means that both his and Riko's bank cards can be used normally.

As for the 3000 million yen in usurious loans owed, it has become a financial dispute between "ordinary law-abiding citizens" and "evil Yakuza forces".

To reward Ayako for not nagging during the transfer, Hideaki picked up the metal cane and the package containing the doll without her asking, then carried her on his back and walked out of the bank.

"Hey, I didn't sleep well last night either. Shall we go to Kabukicho and find a short-stay room to rest for a while?"

Ayako pressed her upper body tightly against Hideaki's back, struggling to get her head close to his ear. She was a little annoyed that his chest was too big, making it impossible for her to whisper anything.