After saying goodbye to He Yuzhu, Cao Zhiqiang stopped lingering, walked out of the room, pushed his bicycle, and was about to leave.

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

After a few words, Cao Zhiqiang was dragged into her home by the third aunt.

As soon as I entered, I saw the third uncle was there.

One look at that posture, it was already waiting for him.

Regarding this, Cao Zhiqiang stopped being polite and asked directly after sitting down: "Third uncles and three aunties, if you have anything to say, just tell me. I'm very busy, so we should have told you earlier."

The third uncle smiled: "Well, in that case, let me say something nice. Zhiqiang, I came to you this time to borrow money from you."

"Borrowing money?" Cao Zhiqiang was stunned, then smiled, "Is it about opening a restaurant for your daughter-in-law?"

The third uncle slapped his thigh, looked at the third aunt and said, "Why don't you tell me, Zhiqiang is a smart person, he will understand it as soon as he hears it."

"That's right!" the third aunt said with a smile, "Zhiqiang is someone I've seen growing up. This kid has been smart since he was a kid. 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, now that it has happened, I will tell you the truth.

For your sake, it's not impossible to borrow money, but for borrowing money, you have to have some collateral, right?

If you ask me to borrow money, what will you use as collateral?"

"Do you still need collateral?" The third aunt immediately frowned.

"That's right!" Cao Zhiqiang nodded, "No one's money comes from strong winds. Even if we have a good relationship, we are brothers who still settle accounts clearly.

So, if you like it, I can lend you money, which is easy, but there must be collateral.

If there is collateral, I will give you the money right away, without any hesitation."

"But look at our house, we don't have anything valuable as a mortgage." The third aunt said, "How about using our TV as a mortgage?"

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

Cao Zhiqiang smiled: "Third uncle, third aunt, don't you have a house? It's okay to use the house as a mortgage."

"Use the house as a mortgage?" The third aunt immediately frowned, "Isn't this appropriate?"

Cao Zhiqiang shrugged: "Then there's nothing I can do to help. Anyway, if you want to borrow money from me, you have to use something that I like as collateral. As for your house, this house is okay, but the others are just fine, haha."

Just as the third aunt was about to speak, the third uncle suddenly waved his hand and stopped the third aunt.

Then, the third uncle looked at Cao Zhiqiang with a smile: "Cao Zhiqiang, if we use this house as a mortgage, how much can you borrow?"

Cao Zhiqiang looked around, then sighed: "To be honest, I didn't want to wade into this muddy water originally, but now that the third uncle has spoken, it's not appropriate for me not to help.

In this way, if you use this house as a mortgage, I will happily lend you two thousand yuan, how about it?"

"Only two thousand? Is it too little?" The 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 it can be sold for.

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

If we really calculate it according to the mortgage, it will be reduced by at least half. For your house, it is good to give you one thousand.

I only agreed to lend you two thousand out of favor when the third uncle opened his mouth."

"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? Three thousand, do you think it's okay?"

"Two thousand and five at most." Cao Zhiqiang shook his head.

"Okay, two thousand and five is two thousand and five." The third uncle nodded, "Why are we short of money now?"

Cao Zhiqiang nodded: "Okay, that's settled, but how will the interest be calculated?"

"Ah?" The third aunt was surprised, "You want interest?"

"That's not true," Cao Zhiqiang said, "I get interest from depositing my money in the bank. If I lend it to you, you won'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. How can this be the same?" Cao Zhiqiang frowned, "Third Aunt, you are such a smart person, you don't think I'm a fool, do you?"

"Stop talking." 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."

"Well," said the third uncle, "I'll lend you the money for one year and give you two cents of interest per year. How about that? It's a good deal, right?"

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

Nowadays, the bank's current deposit interest rate is 2.16. If I lend you a year's loan, it has to be counted as a one-year term, right? You only gave me two cents of annual interest? It's lower than the current deposit interest rate, so it doesn't count like that!"

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

Cao Zhiqiang said with a smile again: "Third uncle, you are really good at calculating, and your abacus is a thief.

Nowadays, when borrowing money privately, which one does not calculate interest on a monthly basis?

Generally speaking, when borrowing money in private, the interest rate is several cents, such as one cent interest and two cents interest, which refers to the monthly interest. I have never heard that the annual interest is calculated according to the bank, and it is also calculated as the deposit interest rate.

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

According to this calculation, the annual interest is 4 cents, which is equal to the monthly interest of only 3.3 cents?

With just such a small amount of interest, how come it seems like I've made a huge profit off you?

If that's the case, why are you borrowing money from me? Why don't you just go to the bank for a loan?"

At this time, the third aunt said beside her: "Bank loan? Then I have to be able to get a loan. Aren't we unable to get a loan? Now there is no way for private individuals to get a loan."

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

Four cents profit a year? Are you embarrassed to say that?

This is not to lend money sincerely, but to use me as a scapegoat and play tricks on me."

After being told off by Cao Zhiqiang, the third uncle was not embarrassed at all, but said with a smile: "You can't say that, this is bargaining, don't you have to ask for a high price and pay back on the spot?

Otherwise, since you don’t agree with the interest I offer, what interest rate can you tell me is appropriate?”

Cao Zhiqiang thought for a while and said: "Third uncle, to be honest, I really don't need the interest money now, and I have no interest in lending money to others.

For example, last time, your eldest son and your eldest daughter-in-law asked me to borrow money, and the interest they offered was much higher than what you gave them. They directly asked me to give them a monthly interest of 1 penny, but I didn't even agree to that.

But, third uncle, you are different. Since you have said this to me, I have to take care of your favor and face no matter what!

Let's leave it like this, I'm too lazy to bargain with you.

At a fixed price, I will lend you two thousand five thousand, with a profit of two cents, and the settlement will be settled every month."

The third aunt frowned and said: "Two thousand five thousand, two cents profit, settled every month?

Doesn't this mean that we have to pay you fifty yuan in interest every month?

Isn’t this too high? It’s impossible!”

"No, forget it if it doesn't work." Cao Zhiqiang said with a slight smile.

"No, no, no, no," the third uncle said quickly, "Cao Zhiqiang, two cents profit is two cents profit, but can you increase the capital?

Two thousand and five thousand is too little. It is not enough for my daughter-in-law to open a restaurant. You can add another five hundred, three thousand, or three thousand!

In this case, I can give you sixty yuan of interest a month, which is quite a lot."

Cao Zhiqiang sighed: "Okay, three thousand is three thousand. Who made you 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, if that's the case, just look at the mortgage on this property. You don't know who we are. I promise to pay back the money."

Cao Zhiqiang sighed: "Third aunt, of course I believe you, but that's not how things work out.

Although I trust you two elders, we are not relatives after all.

If you easily borrowed 3,000 yuan from me without any collateral, what would happen if the news leaked out?

By then, everyone who wants to come to my place to enjoy the autumn breeze will come to me to borrow money.

All these people are either neighbors or neighbors. They often tell me that they are kidding me to see you grow up, and they try to kidnap me morally from time to time. Should I borrow it or not?

If you don't borrow money and offend others, if you borrow money and don't get it back, you will still offend people. I'm not a human being inside and out, so why bother?

So, when I ask you to mortgage your property, I am telling everyone that if you want to borrow money from me, no matter how good your relationship is, you will have to settle the accounts.

In this case, if someone asks me to borrow money again, they must consider it carefully and not think about borrowing money and not repaying it, and it will be a waste of money.

In addition, the reason why I want such a high interest rate is not to make things difficult for you, but to make others quit.

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

In this way, I save a lot of trouble.

You two elders said, is this true?"

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 are the best, otherwise with so many people in this courtyard, you are the most profitable and the richest.
To be continued...