rebirth good people have good rewards

Chapter 35 Lending?

In the next few days, Chen Ming has been thinking about this issue. It is easy for Zhang Feng and Gao Xue to explain. Anyway, they don’t know if they have other businesses. Tell them that their income is only enough to maintain the current situation. Okay, but what should Lu Yuhan do?
It can be delayed in the short term, but it will definitely not work for a long time. There are only two results in the future, either the two of them broke up unhappy and do not contact each other in the future, or Lu Yuhan finds out that there is a problem with his income.

To be honest, although Chen Ming was still in a state of confusion about his relationship with Lu Yuhan, he was really reluctant to break it off with her.

Therefore, I have to think of a way to make myself a legitimate income.

But making money is not so easy, even on the surface it is difficult to make money. Chen Ming started a business in his previous life, and he knows how difficult this road is.

On this day, Chen Ming was worrying in the office when Brother Zhao came.

As soon as he entered the door, Zhao Ge said with a happy face: "Chen Ming, the year-end bonus for me and your sister-in-law has been issued, and I will pay you back!"

"Repay the debt?" Chen Ming was stunned for a moment, and then remembered that he had lent 2 yuan to Brother Zhao. At that time, Brother Zhao's father was sick and hospitalized.

"How is uncle's health? I don't need money for the time being. If you are nervous, you can use it first, and we will talk about it later!"

Chen Ming poured tea for Brother Zhao and asked about his father's situation. He was relieved when he heard that the old man had been discharged from the hospital.

He has always been very grateful to Brother Zhao and his wife. Many times, if it wasn't for them, he would have starved himself. Now that he has money, he must repay it, but he also knows how Brother Zhao and Sister Liu are. I won't want it.

"Don't be nervous now. Your sister-in-law and I have quite a lot of year-end bonuses together. It was only distributed yesterday, so I'll send you the money as soon as possible!"

Brother Zhao took out an envelope from his pocket, put it in front of Chen Ming, and said, "Count it up, twenty-two thousand, and I'll calculate the interest of 2000 yuan for you, and I'll take it as a thank you!"

When Chen Ming heard it, what can I do?He hurriedly counted out two thousand and returned it to Brother Zhao: "Brother Zhao, you are treating me as an outsider like this. How can we calculate interest? How many meals did I spend with you back then? How much do I have to pay you back!"

"Oh, it should be, where do you borrow money these days without interest? In fact, before I asked you, your sister-in-law and I originally wanted to borrow money from the Internet. Now there are several loan software on the Internet, but the interest is too high. It’s too high, to be honest, if you calculate according to that interest rate, the 2000 yuan is really nothing!”

The two pushed back for a long time, but Chen Ming saw that he couldn't refuse, so he had to say: "Brother Zhao, I really can't ask for this money, otherwise how can we meet in the future? See if this works, you only used two of the 2 yuan." May, I charge you 200 yuan in interest, just treat it as buying me a new dress for the New Year, okay?"

After finishing speaking, he stuffed the remaining 800 yuan into Brother Zhao's pocket, "That's it, if you have to give me so much, let's stop being friends in the future, and treat it as if we don't know each other!"

"Chen Ming, I... I'm too embarrassed to do this, how about this, you come to the house for dinner tonight, and I'll ask your sister-in-law to cook some good dishes, and let's have a drink!"

"Okay, it's okay to eat, as long as you don't give me money!" Chen Ming agreed with a smile.

Just as he sent Brother Zhao out, Chen Ming suddenly heard a system prompt——

"Ding! Get a reward of 1000 yuan! Note: Calculate according to the highest legal annual interest rate, make up the difference, and no more reminders after that!"

Chen Ming's eyes lit up, is there a reward for this?
He immediately searched the Internet for relevant regulations on loan interest, then picked up his mobile phone, and searched for the words "loan" and "borrowing money" in the app store.

An hour later, Chen Ming put down his phone with satisfaction. He finally found a legitimate and potentially very profitable business - lending!
Of course, he will definitely not charge such high interest rates like those illegal platforms or loan sharks. The reason why he ended up jumping off the building in his previous life has a lot to do with small loans. As a former victim, he certainly would not use the same way to harm others.

Chen Ming doesn't know programming, but it's very easy to make a mobile app, especially one with simple functions like this. You just need to find an outsourcing team, and you can search a lot on the Internet.

Chen Ming thought about it all afternoon, wrote down each idea on paper, and then summarized and revised it. When he was about to leave work, he had initially completed the framework.

Part of his thinking was copied from Alipay, and the rest was borrowed from several apps that are currently available for download.

Although Alipay has existed for a long time, compared to a few years later, various functions are still relatively simple. For example, there is just some news about borrowing, but Huabei has not yet been seen. Of course, it is just a reference. Chen Ming never thought about it Want to compete with Mr. Ma for business,

In principle, this matter must be profitable, otherwise it will be even harder to explain the source of funds to the outside world in the future. However, unlike many loan platforms later, Chen Ming is looking for quantity, not quality!

The first is interest, which is tentatively set at 24% per annum, or 2% per month.According to the law, as long as the annual interest rate is not higher than 36%, it is legal, and 24% is much lower than those later borrowing platforms.

Of course, Chen Ming's purpose is definitely not to earn interest, what he wants to earn is system rewards.

In order to ensure that there are rewards, he must let the process of borrowing money produce good deeds. Now he has figured out the rules of his system. To put it simply, there are rewards for doing good deeds.

The reason why I was able to get rewards from Brother Zhao must not only be because I received less interest, but mainly because of my relationship with Brother Zhao, because Brother Zhao used the money to see a doctor for his father, and I really wanted to help .

So, how do you make every sum of money you lend achieve the purpose of doing good deeds?Manual review is definitely not enough. It is troublesome and inefficient. If someone really needs to borrow money to save their lives, it will definitely be too late.

For this question, Chen Ming thought of a brilliant idea——

Anyone who borrows on this platform has the same annual interest rate of 24%, but when repaying the money, they can rely on the donation certificate to reduce the interest, and the interest can be reduced to 2% at most!

What is the concept of 2%?Cheaper than a bank!You must know that the cheapest loan is a mortgage, and the lowest interest rate of a mortgage is 4.35%!

The method of deduction is very simple. It is calculated based on ten times the amount of the donation. For example, if you borrowed 1 yuan and used it for one year, the annual interest is 24%, and the total interest is 2400 yuan. It sounds like a lot, but as long as you are repaying the money When uploading the donation certificate of 220 yuan, the interest of 2200 yuan can be deducted, and only 10200 yuan needs to be repaid in total!
According to this method, the borrower actually only pays 420 yuan in interest, borrowing 420 yuan, 4.2 yuan in interest a year!That is, the annual interest rate is only 0.35%, and the monthly interest rate is only 4.35%!You know, the cheapest loan nowadays is a bank mortgage, but even for the shortest period of time, five years, the annual interest rate is [-]%!

In other words, the borrowing platform launched by Chen Ming is cheaper than banks!It is more cost-effective to buy a house with a loan from him!
With such a low interest rate, do we need to worry about the number of users?
(End of this chapter)