Pretending to be bankrupt, the school beauty came to visit with her twins

For bank loans, even if the loan is not repaid, they only take collateral.

Since the collateral has been collected and auctioned, the money naturally does not need to be paid back.

Is there any reason to continue to pay back the money after taking away the collateral?

Of course, there are situations like this, but that is because one mortgage is mortgaged by multiple parties.

For example, a house is mortgaged by Dayuan Bank and Daxia Bank respectively.

House mortgages are not mortgaged at market prices.

Normally, there will be an appraisal price.

The loan amount is discounted from the appraised price.

For example, for a house worth million, you may only get a loan of million.

For shops and the like, the loan amount available is even smaller, maybe only five million.

There are even lower ones, four million or three million.

Some companies with looser risk control will accept this kind of secondary mortgage as collateral.

However, once a problem occurs, such as overdue, the collateral will be auctioned. After the auction, it is very likely that the loan will not be repaid in full.

At this time, it is possible that the lender will continue to repay the remaining loan.

However, this is what banks do.

They operate in private.

There is no mortgage record for that house.

Moreover, the house is worth three to four million, and they only need two million, which is already considered a discount.

In this case, if you can't return it, why should you pay back the money after taking the house away?

This is simply unreasonable.

"Haha, sister-in-law, you have to know that this house originally belonged to us!"

"My father gave it to you as a gift, right?"

"Since it was given as a gift, it should be returned to us, right?"

"Besides, my uncle said that this investment is a sure thing and there will definitely be no loss."

"What do you have to be afraid of?"

Li Feng smoothed his bangs from his forehead and looked at Li Guanqin seriously.

Since he knew that wheat would plummet, he would definitely trick this couple.

It's not that Li Feng is petty, it's just that there is no need to talk about flesh and blood to such an ungrateful person.

"This……"

Li Guanqin was speechless for a moment.

Indeed, if it can really guarantee % profit, then why don't they agree to this condition?

Isn’t it because there is no guarantee that this investment will make money?

They thought they knew Li Feng somewhat. If they didn't agree at this time, I'm afraid Li Feng would really not lend them the money.

Thinking of this, Sun Dezhong and Li Guanqin looked at each other. Then, Sun Dezhong seemed to have made a lot of determination, nodded and said:

"Okay, Xiaofeng, I promise you! As long as you lend me two million, I will mortgage the house to you."

"If you cannot return the money in full after ten days, the house will belong to you, and you will still be owed two million."

Sun Dezhong gritted his teeth.

Ten days were enough for him to ship the goods.

The current rise in wheat futures is very good. It may take at most a week for futures prices to reach the highest level.

"Okay, little uncle, let's settle the accounts between our brothers. Let's make a written agreement, shall we?"

Li Feng didn't believe this guy's words. Only by establishing a written document would it have legal effect.

"no problem!"

Soon, an IOU was written down. After both parties saw that there were no problems, they signed and confirmed.

Then, in order to show his sincerity, Sun Dezhong went home and took the real estate certificate and handed it to Li Feng.

Li Feng didn't say anything more and just handed over two million.

"Okay, uncle, I've already called you two million. If there's nothing else, you can leave."

Li Feng directly issued an order to expel the guests. He had no time to entertain the family.

This family is also very thick-skinned. If he didn't issue an eviction order, they might actually stay for dinner.

"Uh, okay, Xiaofeng, thank you then!" Sun Dezhong laughed sarcastically, and then said: "You also have to listen to your uncle. If you buy some wheat futures, you will definitely make a lot of money."

Before leaving, Sun Dezhong did not forget to warn Li Feng.

Li Feng naturally responded repeatedly.

Let these two guys be proud. When the wheat plummets, they will know what it means to regret it.

"Husband, this Xiaofeng is really too much. He only has such a small amount of money and still wants us to mortgage the house." After leaving Li's house, Li Guanqin couldn't help but complain.

"This kid didn't have such bad intentions before."

"Oh, forget it, who told us that we couldn't recognize each other before? If I had known that he would get rich later, I would have loaned him a sum of money at that time! How short-sighted."

Sun Dezhong smiled bitterly.

If he had lent money to Li Feng back then, Li Feng would probably take the initiative to lend them two million this time without even asking for a mortgage.

However, there is no regret medicine in the world.

Missed, missed after all.

"Forget it, don't think about it so much. This time we just need to seize the opportunity and we can make tens of millions."

"When the time comes, don't let go of that shabby house! We can go to the city center and buy a new house."

New houses in the city center are very attractive.

Their old house was difficult for their eldest daughter to commute to and from get off work.

Fortunately, Sun Xiangyu is a teacher and usually lives in the school, so she doesn't have to go home every day.

If you are like those office workers who run back and forth every day, it will take three or four hours to commute back and forth, which is really a hassle.

"Yeah, I don't want to live there for a long time. They are all people who have moved back. Their quality is very poor, and the quality of the houses is not good either."

"We will buy a four-bedroom apartment in the future! We will have one room for ourselves, one for Xiangyu and Xiangjin, and one for entertaining guests!"

Li Guanqin said with a smile.

Although they haven't made any money yet, or even invested it yet, they have already begun to dream about a wealthy life in the future.

"Hahaha, that's right!"

"Xiangjin, you have to work hard and try to get into a good hospital. From now on, dad will find you a rich man like your brother-in-law!"

"At that time, your mother and I can enjoy the happiness!"

Sun Dezhong said to his youngest daughter.

The eldest daughter's marriage has basically been decided, and now only the younger daughter's marriage remains.

However, my youngest daughter is still in college. Although she is not in a hurry, she still needs to make arrangements in advance.

"I know, Dad!"

Sun Xiangjin smiled and nodded.

……

"Son, this is two million. Why did you borrow it just as you said? Have you forgotten how they behaved at the beginning? Are you still my son?"

As soon as Sun Dezhong's family left, Li's mother couldn't help complaining.

Two million dollars was lent to such a disgusting family in vain, and she felt as bad as she should have.

"Haha, mom, don't worry, this money is not borrowed in vain!"

"When the time comes, that house and the money will be ours!"

Li Feng said with a smile.

"Xiaofeng, you mean, wheat futures will fall?"

Father Li knew his son very well, and he immediately figured out the reason behind it.

"Yes, not only will it fall, but it will plummet."

Plunge!

Hearing this, Dad Li's brows suddenly frowned.

His son would never lie to him, of which Father Li was convinced.

My son has a very keen sense of smell in finance. If he says it will fall, then it is very likely that it will fall.

Therefore, Father Li began to worry about Li Guanqin.

He was thinking about informing his only sister?

He really couldn't bear to watch his sister go bankrupt.

Father Li was very confused.