Extreme Taoist Medicine

Chapter 397 The Economic Mind
"What is there to miss about this dilapidated house!" Xiao Yu'er pouted and said carelessly, "Aren't the big houses in the city much better than this?"

Hu Mei said stubbornly: "There is nothing wrong with the houses in the city, but this small house has preserved the best memories of my childhood, so I can't ignore it. I will go out this summer to find a part-time job as a tutor." Do it, make money and renovate this house!"

"Oh, yes?" Xiao Yu'er had a sudden thought, patted Hu Mei's shoulder and said, "Why don't I lend you some money first, let you renovate the house, and return the money to me after you earn money later How about it?"

Hu Mei asked puzzledly: "We don't have any friendship at all, you just lend me the money with confidence, aren't you afraid that I won't repay the loan?"

"Hey!" Xiao Yuer said in a low voice, "Of course I lent you the money for a purpose. You can use my money to give me interest, and I won't overcharge you. Let's follow Yanyan Company's interest rate standard. You just give me 12% every year, how about that?"

Hu Mei's eyelids twitched slightly, and she immediately shifted her gaze to Lu Chen: "Brother Lu Chen, is your cousin... a usury?"

Lu Chen shrugged and said with a smile: "Don't listen to her nonsense, this girl doesn't have a dime on her, and I gave her the money for buying sesame seed cakes just now!"

"Big Cousin!" Xiao Yu'er became angry immediately, pouted her lips and shouted, "Is there someone like you who demolishes corners? Can't people do something serious if they want to?"

"Yes!" Lu Chen shrugged and sighed, "As long as you have money, you can play however you want, I don't care, okay?"

"Hey, that's right!" Xiao Yu'er nodded and smiled, "Miss Hu Mei, don't worry, just tell me how much money you need to borrow, and you can get the money after writing the IOU!"

"Well..." Hu Mei didn't know whether Xiao Yu'er was really helping her or teasing her on purpose, and she fell into a dilemma for a moment.

Xiao Yuer stood aside and said emphatically, "Sister Xiaomei, take a look. My house is so dilapidated, shouldn't it be renovated? Although you often don't live at home, the house at home is also the face of your family. ah!"

Speaking of this, Xiao Yu'er said even more righteously: "The house is like this, even if your parents are under Jiuquan, they will not be able to rest in peace..."

"Yu'er, you are enough!" Lu Chen was worried that Xiao Yu'er's nonsense would hit Hu Mei's pain point, so he gave her a glance from the air and reminded her to shut up immediately.

Although Xiao Yu'er shut up, Hu Mei couldn't bear it anymore: "Okay, I borrowed this sum of money. The house is so damaged now that it must be repaired immediately. I can also give you the interest you want, but I can't get all the principal and interest at once, if I can pay in installments, that would be great!"

"No problem!" Xiao Yu'er patted her chest and said, "How long do you plan to take to repay the debt, and then we divide the total amount of debt by the loan period, which is the capital you want to repay, and then the monthly interest is [-]% of the total amount. One-tenth, it's a good deal!"

Hu Mei asked: "Didn't you just say that the interest rate is 12% per year, why is it now 1% per month?"

"That's not easy. There are exactly 12 months in a year. It's natural for you to repay the loan on a monthly basis..."

"You're simply nonsensical!" Hu Mei was unhappy, "If you calculate compound interest like this, it's no wonder I don't get tricked to death by you!"

The two girls were bickering in front of the door. They were having a good fight. Lu Chen's eyes widened when he saw it. Is it necessary to make such a trivial matter so heated?
Lu Chen didn't interfere, and after a heated debate for 10 minutes, the two girls finally reached a consensus.

Xiao Yuer loaned Hu Mei 6 yuan, the loan period is two years, and the annual interest is 12%, and then the interest is calculated in one go.

Calculated, Hu Mei will pay Xiao Yuer a little more than 3000 yuan per month in the next two years, and Hu Mei will use the completed house as collateral, and the two will sign the loan draft on the spot.

After Hu Mei signed the IOU, she immediately stretched out her tender hands to Xiao Yuer: "The IOU has been written, where is the money?"

"Lu Chen, why are you still standing still, why don't you pay the money quickly!" Lu Chen stayed aside to watch the fun, but Xiao Yu'er suddenly turned the blame on him.

"Does it have something to do with me?" Lu Chen smiled innocently, "I..."

"Stop talking nonsense!" Lu Chen was interrupted by Xiao Yu'er before he could finish his sentence, "I just asked you to pay me a little salary in advance. Didn't you say that Zhu Hong's account will come back later? Do I have a share? At that time, it can be deducted from my share!"

Lu Chen has long forgotten the nonsense of "dividing into" and so on, but right now Hu Mei's house is indeed dilapidated and in serious need of renovation.

Even if Hu Mei asked Lu Chen to borrow money in her own name, Lu Chen would not be able to refuse. Now it seems more appropriate to borrow money in Xiao Yuer's way.

As for the issue of repaying the money, it is simple. If Hu Mei is unable to repay the money, Xiao Yuer will definitely go to Hu Li for money, there is no doubt about it.

Lu Chen couldn't push it, so he used his mobile phone to transfer the money to Hu Mei's account on the spot.

This girl Hu Mei can also be stubborn, her house collapsed, she didn't go to other people's house for help, but bit the bullet and pulled out an iron pot from the ruins, and then used a few earth bricks to temporarily prop up a stove , set up the iron pan.

With this pair of simple and primitive equipment, Hu Mei insisted on cooking the rice.

The purpose of coming back this time was to worship the ancestors, so after a few simple bites of food, everyone immediately embarked on the journey and began to head towards the mountains.

Hu Mei's house is located halfway up the mountain, and the ancestral graves of Hu's parents are on the opposite hillside. In Hu Mei's words, the two of them are lying on the opposite hillside, and they can see their home when they look up.

Back then, sisters Hu Li and Hu Mei buried their parents there so that they could see their "parents" every day, but now that they both live in the city, that dream may never come true.

Standing at the gate of Hu Mei's house, you can see a pine tree standing on the opposite hillside, and that pine tree is also the symbol of the tomb.

It seems very close, but Lu Chen has already started to worry. If he wants to get to the opposite hillside, he must first go down to the bottom of the valley, and then climb up the opposite mountainside from the bottom of the valley. This journey is close to four or five miles The mountain road of the land.

Lu Chen and Xiao Yuer's physical fitness is relatively strong, so there shouldn't be much problem, but with Hu Mei's delicate body, it's enough.

……

(End of this chapter)