"I heard you have something to say to me?" Brother Zong looked at Li Ming, who looked like a student in front of him with interest, and said with a slight grin, "I know you, do you want to borrow money this time?"

Although Brother Zong seemed to be smiling, Li Ming understood the meaning behind this smile - it was the expression that the ferocious beast would show when playing with its prey.

I am too weak now, and provocation is really not a good choice at this time.

It’s not that I have seen those guys who still have hard bones when they are weak, but without exception, they all have a very artistic sense of death.

Without exception.

Li Ming restrained the gleam in his eyes, nodded slightly, and then replied with a slightly flattering smile, "Brother Zong, I, a poor student, can I almost catch up with the dogs who eat leftovers on the roadside, and in this case, can I still borrow money?"

He smiles humbly, speaks humbly, and has no face to speak.

"Our loans are very humane, and there are many ways for people to choose from." Brother Zong put down the pen in his hand and spread his hands and said, "We have legal and compliant interest rates, and we charge a certain handling fee, so we can help you lend more money in a regular bank through certain means...."

"If you don't have the procedures and collateral or want to borrow more money, you can choose other ways of ours..." Brother Zong clamped a cigarette between his fingers and continued, "For example, just like your father chose, nine out and thirteen return..."

Nine out of thirteen: refers to a calculation method of usury.

The so-called "nine outs" means that the principal of the loan is not one, but nine.

For example, if you borrow 10,000 yuan, the nine-investment is only given 9,000 yuan, and the deducted 1,000 yuan is the handling fee, also called [head interest].

Thirteen returns means that you have to pay back 13,000 when you are due. As long as you sign a loan agreement, you will also pay back the money the next day. The loan term is generally one month, or three months, and you must pay back the money when you are due, otherwise the profit will never be paid back.

After maturity, each period will be based on the original total principal and interest, and will be charged 30% of the interest. If the loan is 10,000 yuan (9,000 yuan), if it is not paid off at maturity, then the total amount to be paid after the overdue is 16,900 yuan. If it is not paid again, it will be calculated overdue again. This is the way to make a profit.

Usually, the first phase is three months, which means that after four months, it will be five times more. It is like a bloody mouth that does not spit bones when eating meat.

The problem Li Ming is facing now is that the three-month period is about to come. Once the profits are over, the tragedy will only end in his family.

"Brother Zong, you must be clear about what kind of situation our family is now. The current situation we are facing is that life is all a problem..." Li Ming paused and said sadly, "If you lend me money again, what can I pay it back."

Brother Zong vomited a mouthful of smoke and looked at him with a smile while Li Mingruo said meaningfully, "There are many ways to pay back the money, after all, [people] are still really valuable."

Cold words resounded throughout the office, and the smell of blood suddenly filled the air.

After a moment of silence, Li Ming slowly raised his head and looked at Brother Zong and said, "Brother Zong, you are a businessman, so the purpose of a businessman is to make money. If you can't make money, you will not have any benefits except causing more trouble and undue trouble in our family, right?"

"Oh?" Brother Zong asked a little surprised when he heard Li Ming's words, "You continue talking."

Li Ming took a deep breath and continued,

"My father's gambling debt was now gone without a trace. My mother chose to commit suicide because she could not face all this.

Now only my sister who is studying in the Chaofan Academy, my sister who is still in high school and me, so according to common sense, we definitely can't afford to pay.

If you are too impatient, I can only commit suicide with my sister. You will definitely not be able to force her to death. Then you not only lost money, but also caused annoyance. Do you think?"

"Then, what do you mean is that you don't want to pay back the money?" After hearing Li Ming's words, Brother Zong squinted his eyes and said, "I'm not afraid of trouble."

Li Ming quickly waved his hand with a smile on his face and said, "No, no, no, I don't mean that. I don't have the courage to dare to Lai Zong's account. It's just that I have a suggestion here, do you think it's okay?"

"Tell me......"

"Since the owner of the house is his father, it is really difficult for me to sell it to pay off my debts. According to the market price, it can be sold for nearly 800,000 now. I want to ask Brother Zong to forge a death certificate of his father. After I sign it, I will sell it and use the house directly to pay the principal......"

"What about the interest?"

Li Ming's father borrowed a loan of 9 out of 13 out of 10 months, with a term of three months, and the interest rate is equivalent to 140%, which means that Li Ming still needs to pay 280,000 yuan.

"I think Brother Zong's business is so big, there will definitely be some people who don't have eyes to think about Brother Lai Zong's account..."

Li Ming said as he put the envelope that Wang Bohua had given him on the table before, and then said with a smile,

"I want to make a living under Brother Zong. While paying Brother Zong's interest, renting a house and having a place to stay with my sister. Do you think it's okay?"

Brother Zong slowly sat up, stretched out his hand and pressed it on the envelope, and said with a little playful thought, "What would you do if I took the money and didn't agree?"

Li Ming's hands were hanging beside him, feeling a little weak but insisted, "I have no choice, but I am more willing to believe that Brother Zong is a businessman."

Businessmen, how can they be considered as businessmen if they don’t do business?

Spread the pros and cons on the table, then lower your position and pay a huge price to get a chance to breathe. This is the only thing Li Ming can do now.

Either they beat up a little extra person who was thinking about him. Although they were not afraid, they would be a little troublesome after all.

Or they recovered the loan with capital and interest, and there was also a horseman willing to run errands.

After thinking about it, Brother Zong drove the cigarette butts out on the table, pulled open the drawer and took out a brown file bag, threw it on the floor in front of Li Ming, and then said, "Go and take this account back, let me see if you have the value to talk to me."

Looking at the file bag on the ground in front of him, Li Ming immediately showed a look of overjoyment without hesitation. Then he bent down his back and picked it up from the ground. Then he made a full promise, "Brother Zong, give me a few days, if you don't want the money back, you will think I'm farting what you said just now!"
Chapter completed!