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Chapter 420 Helping You Make an Idea (6)

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    Niu Erdao: "This tea is a very common tea in our place. In our place, every household drinks this kind of tea. Here, people may be divided into different grades, but the tea leaves are all the same.  If we must say that there is a difference, it is only the difference in processing technology, and there is no other difference." Xiao Chuchu asked: "Then, is the tea production here large?" Niu Er said: "What is the big deal?  As much as you want, we have a lot of this thing here, no one will care about you, we only need enough for ourselves to drink, no one will be greedy for so much, what's the matter, don't you like it?  If you're sensible, I'll give you a few catties when you leave. As long as you can hold it, even tens of catties won't be a problem."

    Xiao Chuchu said: "Okay, let's discuss this matter in private! Now let's get down to business and talk about our affairs. In fact, I also know that the four of you have been sitting and eating all these years, because here is really  Too poor, even if you have thousands of acres of mountain land, it is useless, even if you scrape hard, but no matter what, you have to give the villagers here a way to live, right? So, when I  After I went back, I thought about it carefully, you really don't have the strength to support this contract!"

    Niu Yifan nodded, and said: "That's right, these few words of yours have reached my heart." The others nodded, and Zhu Zicong said: "It is precisely because of this that we have a headache.  I want to swallow it, I don¡¯t have a good set of teeth, I want to spit it out, there is a lot of meat on it, just like that, I can¡¯t swallow it, I can¡¯t spit it out, so I have a headache.¡±

    Xiao Chuchu said: "I've also thought about it. If we follow our bet, even if you implement it, there must be two problems. One is that the implementation is not in place, and the other is that the implementation is not long, three minutes.  Enthusiasm, after the water has cooled down, if you want to cook again, you will find that there is no more firewood, and you don¡¯t know who took the pot away, right?¡± Zhu Zicong and others looked at each other, smiled and stopped talking  .  If they don't speak, it means they acquiesce.

    Xiao Chuchu said: "Instead of making everyone suffer so much and pretending like this, why don't we do it in a way that makes each other happy? So I thought of a way to take a loan." When she said these two words,  Everyone was surprised, and Niu Yifan asked with some uncertainty: "Loan? Is it usury? This is something that can't be done, absolutely can't be done! Our ancestors did this kind of thing before, and as a result  They are all driving people to death, and who dares to borrow money in a business with rolling interest? Besides, who will lend and who will they ask for the loan?"

    Xiao Chuchu smiled, and said: "You don't know this, why must the loan be usury? If I told you that you borrowed one thousand yuan, a year ago, all the interest would only add up to thirty or forty yuan  Even lower, are you still afraid?" Niu Er said: "I'm afraid it's only thirty or forty yuan in the first year, seven or eighty in the second year, and three to five hundred in the third year, right?  We don¡¯t know how to calculate the interest, but I believe that the algorithm is pretty much the same. It¡¯s the same algorithm. Maybe ten years later, even the interest rate will be tens of thousands of yuan. It¡¯s like a snowball. Who dares to come  borrow?"

    Xiao Chuchu smiled and said: "Don't interrupt, can you listen to me? If you talk like this, I don't think I need to continue anymore. I can only tell you that everything you say is wrong.  That's not the case!" Zhu Zicong opened the fan, and in such a cold day, I don't know what the use of the fan is, let's pretend to be elegant, it doesn't look like him, but everyone seems to be surprised,  He fanned the wind and said loudly: "Okay, let's not talk anymore, let's listen to her, and after she finishes speaking, if there is anything we don't understand, just ask one by one, this is a mess  Yes, those who listen can¡¯t understand, and those who speak can¡¯t understand.¡±

    Xiao Chuchu said: "First of all, this is not usury, it is just a symbolic interest charge, because the price is rising, like before, ten yuan can buy five catties of meat, now you take ten yuan and give me five catties  Come back and try? So, this interest is required, as long as its increase is the same as the price increase, or even lower, I believe you don¡¯t have much opinion, right?¡±

    Zhu Zicong thought for a while, nodded, and said, "If that's the case, you can consider it. Maybe for a thousand yuan, you could buy 1,500 catties of grain three years ago. Maybe you can buy it today."  You can only buy it up to 1,000 yuan. They borrowed money to help you and answered your urgency. In turn, you have to make others lose money. It is indeed unreasonable. The interest rate is not high. It is normal to charge a symbolic amount.  Yes, after all, you didn't suffer!"

    Xiao Chuchu said: "Let's do this, I want to fix the interest rate. If you borrow one thousand yuan, the interest will be one hundred yuan if you borrow it for ten years.?It is 1,100 yuan. If you borrow it for 13 years, it will be 150 yuan in interest, and the principal with interest will be 1,150 yuan. What do you think of the calculation of this interest?  Zhu Zicong opened the fan again, shook his head and calculated for a while, then nodded, and said: "There are no other expenses. Are all the money added together?"  And this interest will not change anymore?  "

    Xiao Chuchu said: "Of course not. Regarding this matter, we will write it into the contract." Niu Yifan asked: "Why do I have to borrow it for so long? What if I pay back the money in advance? Or postpone it?  So what should I do? Should I borrow 1,000 yuan, and in the 13th year, the principal and interest rate will be 1,150 yuan, and in the 14th year, it will be 2,000 yuan or more.  On the basis of the fourteenth year, how much will it be increased? In other words, it will be usury from this point on?"

    His question was very sharp and honest, everyone stared at Xiao Chuchu, Yang Ni said: "Yes, I really need to make it clear, we are stupid in the mountains, we have never seen anything in the world, if we are not careful,  It¡¯s possible that someone will cheat you and not even know it!¡± Everyone fell silent again, obviously Yang Ni¡¯s problem was their problem, and they were also very concerned about this problem.

    Xiao Chuchu said: "There is nothing to say. I have basically explained everything I can say about this point. We have simplified it as much as possible. First, we only provide two types of loans, one is ten-year, and the other is ten-year loan.  It is a thirteen-year period, and the repayment cannot be made in advance or postponed. There are only these two kinds, and the interest is fixed, and there is not much change! Second, why is it set at ten years and thirteen years? This is based on  It depends on the student's semester. Now the country has promulgated the nine-year compulsory education law, plus one year of kindergarten, it is ten years. If you want to go to high school after junior high school, plus three years of high school, it is thirteen years, that is  The origin of the number of years, can it be determined like this?" (Remember the website website: www.hlnovel.com
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