"What! Make a loan!?"
Father Ye's eyes widened in shock, then he jumped up and quickly shook his head.
"How is that possible? What kind of loan can we make? If we can't make a loan, well, why should we borrow money from the state? That's not possible. We are all responsible people. How can we owe money to the state? What will it look like in public?"
When the father and son were sitting at the door after lunch, Ye Yaodong mentioned it to his father. Unexpectedly, his father had a huge reaction.
If possible, he didn't want to tell his father to save trouble.
His father is also an old man with backward ideas, so he will definitely not be able to accept it. He would have to put in a lot of effort just to do ideological work for his father.
It's not enough if you don't do it. Shen Ming'e will still know when she comes to the door. Then the reaction will be more intense, so you still have to tell him in advance and let him digest it.
Ye Yaodong coaxed and lied, telling his father what he told A Guang that morning, breaking it into pieces, and crushing it again, so he didn't react so much.
But I also really don’t want to get a loan, and I’m extremely resistant.
"You are a good person, your family is rich and you are not short of money. Why do you want to take out a loan? There is no need. We also have many ships..."
"If you borrow money from others, you will lose your face. When you see others, you have to be inferior to others. You actually went up to borrowing money from the country. What is there to take advantage of? You have to pay it back anyway, so it's not
Free gift."
"Don't deal with these crooked things. Let's take the right path and go fishing in a down-to-earth manner. If you want to buy a boat, you can just spend your own money. Why do you need to borrow it from the country? You will have to pay it back when the time comes."
"It spreads to the village that you want to take out a loan to buy a boat. You have such a bad reputation. When you go back, you will probably be scolded by your mother and even your wife will have to fight with you."
Ye Yaodong is drooling at the thought, but his father still says this.
"The key is that I don't have any money now. This is sponsored by the state in vain. We are also supporting the development of the port."
"Paying for yourself and paying for it from the state are two different things. Paying for it yourself is very painful. Although I can afford it, didn't I just spend 100,000 yuan? If I ask you to pay another 100,000 yuan, can you pay it? You
Are you willing to give up?"
Father Ye quickly shook his head, "You can't even beat me to death."
"Isn't that right? We are now supporting national construction, and the country gives us money to do it. If we use the money to buy a boat, wouldn't it make us feel bad?"
"But if you borrow it, you always have to pay it back."
"Then why don't we just wait until we earn money from working and then pay it back? Just think of it as renting, right? The country rents you a boat, but you don't have to pay the rent. You can pay back the cost of the boat after you earn money.
Isn’t that great? Isn’t this the same as working hard for several months and getting a boat for nothing?”
Father Ye was silent for a moment, digesting what he meant by "renting".
Ye Yaodong said again: "When will I save enough money to buy another one? A steel fishing boat costs tens of thousands, and you can buy it even if you want to."
"That girl's father is the director of the factory. I loaned her money to bring her business, and she helped me through the back door, so that the ship can be obtained faster."
"If I can get this boat earlier, won't it be possible to put it into use earlier and make money? If I save enough money to buy it, it will take a long time."
"Now if a man comes and tells you that he will drive the boat for you, and after three years, as long as you return the principal of the boat to him, the boat will be yours forever, do you want it?"
When Father Ye said this to him, he was instantly moved, "Then I definitely want it...this...doesn't this mean that the boat will be given directly to me? I can return the principal to him in a few months, and the boat will still be mine from now on."
of……"
"That's it, isn't it? Isn't this loan equivalent to giving me a boat directly? I don't need to bear any burden, I just need to pay it back after I earn it."
Even if Father Ye wanted to retort, he would still pay it back, but he felt that the metaphor he just used was indeed equivalent to giving away the boat for free.
In fact, the difference lies in whether he has to contribute the money. Ye Yaodong really can't afford it at this time, and the debt has not been paid off.
There is a big difference between having to advance funds yourself and not needing to advance funds yourself.
Just like that cargo ship, it's like paying for it yourself.
More than 100,000 yuan was spent, but the boat was still being renovated and no money was invested in it.
But now it's like a loan. The ship is built for him first, and he will make up the principal later when he makes money.
Ye Yaodong saw that his father was also a little involved, and patted his shoulder, "Stop worrying, you just need to work, I will take care of all the brain work."
Father Ye slapped his hand away, "I'm afraid you'll mess around, why do you come here? As soon as I talk about this loan, I'll be laughed at and respected. If I'm so rich, I still owe money to the bank."
"Who cares? When I earn this money, everyone will regret it."
Don't talk about interest-free in the future. If you pay interest and ask the bank to lend you 100,000, the bank will have to consider it.
If you have a million dollars, you can only borrow a million dollars by taking out a mortgage, or take out a mortgage.
"You just spent 100,000 yuan to go out. If you get a loan and pass it home, they will all be anxious to death. They probably want to chase after you."
"What are you afraid of? You're far away. If you call me to scold me, just hang up. Don't let it get in the way. Anyway, you should call me safely. If they know about it, if you scold me, just hang up."
"You said something so tough, why didn't you just hang on to me?"
"Don't they all scold you?"
After Ye Yaodong said that, he quickly jumped away to save his father from taking off his shoes.
"You little bastard..." Father Ye cursed and couldn't catch up with him.
Ye Yaodong walked out, planning to take a walk to see how A Guang's ideological work was going.
The two friends were at sea and had not returned yet. They had to wait until evening, but they were not in a hurry.
He slowly walked over to A Guang, who was also sitting with Father Pei talking.
After he walked over, he didn't say anything. He just watched other workers playing cards there.
Father Pei asked him, "Ah Dong, are you sure you want to take out a loan to buy a boat? Has your father agreed?"
"Why should I ask him to agree? The boat is for me, not for him, nor for him to make a loan. I just need to inform him of my own ideas, and he can't be my master."
A Guang secretly gave him a thumbs up, and then said to his father: "Did you hear me? I make the loan myself, and I'm not asking you to loan it. From now on, it will be my ship, so you should stop worrying. I
Have your own sense of proportion.”
"Okay, then you two have to go and inquire to see if the bank really has this policy, but don't be fooled by others. Then you won't get anything and you will suffer a lot of losses."
"Definitely. We can't just listen to what others say. We definitely have to inquire."
"Well, let's see how much we can borrow. You have to take out a loan anyway. A loan of 10,000 is also a loan, and a loan of 100,000 is also a loan. Just borrow more. Don't give up the ship for free."
"Yes, that's what I think too."
"When will the person come? When you are sure how much money you can borrow, you can tell me and we will discuss it and see what kind of ship we want. Also, we have to go to other shipyards to inquire about the same configuration. Other shipyards have the same configuration.
No matter what the price, you can't let the father and daughter get ripped off. The money coming out of the bank goes directly into the pockets of the father and daughter."
"knew."
Aguang snapped his fingers and sat up, walking towards Ye Yaodong.
"nailed it."
"Your father is quite easy to talk to, isn't he?"
"Who can't talk about taking advantage?"
"My dad was scared to death. As soon as he heard about the loan and the need to borrow money from the bank, he immediately jumped up and objected."
"This is normal. The older generation are more conservative. They have to save enough money and have a lot of money before they are willing to spend a small part of it on purchases. Otherwise, even if they have money, they will not be willing to spend a large amount of money.
.My father immediately objected when he heard about it, but when he talked about it later, he was not so firm and still allowed me to analyze it for him."
"Well, it's almost the same. I analyzed it for him for a long time before I had nothing to say."
"Then where are we going now?"
"Didn't your father just say, let us inquire more to see if this is really the case in the bank? Let's go? I forgot to ask her which bank she is from. I can ask any bank."
A Guang hurriedly followed up, "Yes, we need to go to the shipyard to ask and see the configuration prices of various fishing boats, so as not to know that we are getting a loan and don't have to pay for it ourselves. What if we are given a false report?
"
"Well, ask them all. There's still another day tomorrow anyway, so there's nothing wrong with running around more."
"Where's your bike?"
"I just came here for a walk after dinner. Let's go to my place to ride. By the way, bring the money and buy one first."
"That's okay. I'll have to stay here for a few months and I'll need it eventually. If I even order a fishing boat at the shipyard, I'll have to go there often to check it out."
"I'll go back first, you can find me later."
"good."
Shenjiamen is just a street, not big, about the size of a town, but it is a fishing port with a large immigrant population, and there are actually two banks and a post and telecommunications office.
After the two bought the bicycle, they visited several stores. Not only did they ask about it, they also met Shen Ming'e directly inside the state-owned bank.
She was very happy to see them, chatted for a while, and said that she had asked about the amount.
It was said that foreigners like them could only get 100,000 yuan at most, but she had to help with this, otherwise it could only be 50,000 yuan at most, and a local person would be required to provide a guarantee.
"You still want a guarantee?" A Guang asked in surprise.
"Yes, you are not locals and do not have a local household registration certificate. This interest-free loan is provided to you. What if you run away?"
"We have a certificate issued by the village, can't we just bring it over?"
"Then you have to find a local to vouch for it."
"They say we are outsiders, so how can we meet locals? If we don't have a local guarantee, won't we be able to do it?"
"Why don't you ask? See if anyone can vouch for you?"
Ye Yaodong also asked: "Is it okay to mortgage?"
"What's the mortgage? Do you have a house and land here?"
"No, can we use a fishing boat?"
"I guess not, because if you run away, the fishing boat will leave immediately, and someone will have to be a guarantee."
Aguang looked directly at Ye Yaodong, "Isn't this a nonsense question? I am a foreigner, where can I find a local to take responsibility for me? Ma De, I thought I got a big deal, but I didn't expect that I would need a local guarantor.
It’s a dream in vain.”
"Then go back and think of a solution first?"
"Then we can only talk about it when we go back. My big ship was gone in an instant. I still wanted to go to the shipyard to inquire about it, so there is no need to waste my efforts."
Ye Yaodong looked at Shen Ming'e who was looking at them curiously, "Let's go back and discuss it and find some local friends."
"Okay, then I'll come find you tomorrow?"
He glanced at A Guang and said, "Let's come here to find you. Anyway, we know you work here. You should be here during the weekdays, right?"
"Yes, I just went to see my dad this morning, so I'll wait for you here. Please hurry up these two days."
"Okay, then come over and handle it then. I'll have to trouble you to tell your dad about the ship's delivery date."
"It's easy to say, as long as you can come here to apply for a loan, I will help you talk to my dad."
Ye Yaodong nodded and went back with A Guang first.
Aguang scolded him as soon as he went out, "I was very happy at first. I thought I picked up a boat. Now it's better. I didn't explain it clearly. I was just happy for nothing."
"One hundred thousand is indeed a lot. If you lend money to outsiders, you are really afraid of them running away. The transportation is not developed now. There are outsiders from all over the country here. If they run away, there will be no place to look for them."
"What should we do? Should we go to the lay boss? Or go to Captain Xu?"
"The layman is not at home and has gone out to sell goods. I guess he won't be back until the Chinese New Year. Captain Xu, forget it. He doesn't have much contact and is not very familiar with him. It's okay to inquire about things. How can he dare to provide a guarantee? It's only 100,000 yuan. I
If he runs away, the bank will ask him to pay it back."
"Originally I thought it would be nice to pay back the money after making it, but now it's fine, it's no longer possible."
Ye Yaodong wondered if there was any way...
"Let's go, go back, work around, waste a day, ugh."
"Is there a gap in your heart?" Ye Yaodong asked with a smile as he walked.
"Of course, I didn't even think about taking advantage of this. I owe the country money, and I feel a bit burdened. Now that I'm not even eligible to owe money, it's even more uncomfortable. I want to take a loan even more, and my heart is like a cat scratching my head.
Yes, I’m a little unwilling to do so, as I’m obviously about to get the boat.”
"Then bang, the happiness was gone."
"Yes, that's what it feels like."
"Then there's nothing we can do now..."
Aguang sighed.
"Hey, do you think I could use your fishery association vice-president's certificate to get a loan?"
"Say you want someone."
Ye Yaodong pondered, how about buying a house or land? And then getting a mortgage?
Shen Ming'e didn't seem to deny it just now, so she asked him what he wanted as collateral.
Anyway, the house and the land are not worth much now. If you buy it, you will have assets in the local area. And you also have the certificate of vice president of the Fisheries Association. Should you be accommodating?
Pay it back, he will definitely pay it back.
When he thought of this, A Guang paused and said, "Wait, I'll ask again when I get back."
After saying that, he immediately turned back and trotted back to the bank.
"What did you ask when you went back?"
"I asked if I can get a loan if I buy a house or land and make a mortgage?"
“We don’t have much money for the house and land, so how can we lend so much?”
"Are you asking?"
It's worthless now, but it will be valuable in a few years. It will still be very valuable. He will definitely pay it back anyway.
If the house and land are mortgaged to the bank, if the news spreads, there is no need to worry about being occupied by locals.
The name of the government is always more intimidating, and people don't dare to make decisions even if the people are not around.
When he gets the fishing boat, he can directly pay it back with the money earned. In this way, both the house, land and boat will be earned.
The idea of ​​buying a house or land was not in his mind at first, but now it was filling his mind.
I didn't have this idea before, because if you buy it, you won't be invaded by locals here. If you buy it, it will be for nothing. Now that you buy it and mortgage it directly to the bank, you don't have to worry.
When the New Year's Eve people leave, take a few seals and put them on yourself...
I'll take it off next time...
Come to think of it, he thought it was a good idea.
Shen Ming'e watched them go and come back, and asked curiously: "Did something fall behind?"
"No, if I own a local house and land, can I get an interest-free mortgage?"
"sure."
"A loan of 100,000 is fine."
"It should be possible. There is no collateral for interest-free loans, as long as the locals show their asset identity."
Ye Yaodong was happy, "Okay, then I'll buy a house and land."
"Then you've got it done, come here early."
"good."
He pulled Aguang and walked out again.
"No, why do you want to buy a house or land?"
"Otherwise there is nothing we can do?"
"Then we don't live here, so why buy a house or land?"
"Make a mortgage, and then after the fishing boat makes money, let it appreciate in value. There happens to be a bank that makes a loan, and the mortgage is given to the bank. If the news is spread, few people will make any decisions if no one is around."
"I originally thought I could get a boat without spending money, but now I have to spend money to get it..."
Ye Yaodong patted him and said, "Are you stupid? Nowadays, buying a house and land is also making money, and there are banks that use it as a banner. You just need to get the fishing boat and go back in after making money? That's not a house or land.
Are there any fishing boats?”
"Well, before I thought about not spending a penny, now I have to spend money first."
"As long as it's worth it. If I asked you to advance 100,000 yuan to buy a fishing boat, would you be able to get it? You definitely can't get it. Now as long as the bank connects with the shipyard, you can get a boat for nothing."
"Well, that's it. I'll go back and ask if anyone has a house for sale. As for the land, I don't think it's easy to buy."
Ye Yaodong said: "Go to the Land Bureau to buy wasteland and forest land, don't buy farmers' land."
Nowadays, some forest land slopes are not suitable for planting. In the future, they will be demolished to build houses. It will be more troublesome to buy farmers' land.
"Dongzi, how come you can think of everything?"
"I'm smart, let's go, the sun has set, go back quickly."
When Ye Yaodong returned, Ye's father also asked about it, but he just casually said that it was done and he was going through the formalities.
Anyway, his father went to sea at night, so there was no need to worry about it, he could handle it alone.
After dinner, he and Ah Guang gathered together again. They discussed it and decided to have a little novel with Ah Zheng.
Otherwise, they will come back to their senses later and say that they missed out on such a good thing by not taking them with them.
Once you are afraid of snake bites, you will be afraid of well ropes for ten years.
We all grew up together and worked hard here together. This is not a small matter. We can let them know and it is up to them whether they do it or not.
The same goes for his eldest and second brothers, they are all his own, but he doesn't think much of them.
They are all honest people. I guess they would shake their heads immediately when they heard that they wanted to get a loan from a bank.
Everyone has his own opinions, but since everyone is here, he should mention them when he needs to.
If I were to persuade him, he would definitely not do ideological work like his biological father.
He is not optimistic about the loans made by so many outsiders. He thinks that he has no problem, but others will most likely be rejected.
He also said that he didn't think much of them when they got together.
Xiaoxiao and Azheng, who were still very excited at first, immediately shook their heads.
Xiaoxiao said: "Forget it, it is probably very troublesome here. We have always only taken money from the common people. How can any common people take out the money without paying the price?"
Others also nodded.
"Yes, there is no such a good thing, and anyone can get 100,000 yuan out of it."
"Forget it, you can do it, we won't do it anymore, the income here is pretty good, it's enough."
Ye Yaopeng and Ye Yaohua also refused.
Ye Yaopeng said: "It sounds like we need to get a loan from the bank. We are all panicking. Now we need to get a loan to buy a house or land. I am confused. If it doesn't work, you can just give it a try."
Ye Yaohua also said: "I can't do it either. It's scary to hear all this. Now that we have an SF Express number, we're content with it. Dongzi, please take it easy and don't follow everything you hear. This thing sounds scary..."
"I am sensible. I always thought that you would definitely not follow me, but I also planned to tell you, lest you find out later and blame me for not telling you."
"Won't……"
"That's good. Don't mention it when you call home. Keep it a secret for me."
The two brothers, the eldest and the second, looked at each other and said, "Aren't you going to tell Ah Qing yet?"
"She knows what's the use, so she just keeps worrying about it. It's useless to worry about it when she's so far away. It's better not to know."
"Such a big thing..."
"Be a man, why do you have to call back and report everything you do outside? She only needs to worry about her home. When she gets back, I will say what she needs to say, and what she shouldn't say will wait until later."
"All right."
Aguang also said: "I don't want to talk to Huimei here..."
"good."
Ah Zheng looked at them curiously, "Why are you two so brave?"
Aguang looked at Dongzi and said, "It's him, not me. I just followed him."
Ye Yaodong smiled and hooked his shoulder, "Then tell me, will you get rich if you follow me?"
Xiaoxiao said: "He must have made a fortune. Didn't he own more than a dozen boats? Everyone is the same."
Ah Zheng supported his chin with his hand, "Originally, I was quite excited. You are planning to go to the trouble. It must be reasonable and we can make money. But you said that we have little hope, so forget it. We don't even have this incredible wealth.
We know when it’s our turn.”
"I'm not making less money, okay? I'm going to get two of my boats soon, and I'll have to treat you guys when I get back."
"Haha... this is necessary..."
"It's time to go home and sleep."
Ye Yaodong looked at A Guang, "This time your father goes to sea and you stay at home?"
"I'm sure. How can I go to sea before the loan is finished? If I leave my father to run away with you, won't you be mad to death?"
"It's good that you know."
"My dad just has some thoughts, but he doesn't harm anyone..."
"I know that everyone has their own little thoughts. If you don't do it for yourself, I will be punished by heaven and earth. I am the same. I go back to sleep. I will buy a house and land tomorrow, and then I will go to the shipyard to take a look at the ship."
Chapter completed!