I'm just sorry for plagiarism

Just took out the phone.

Crackling, I don't know what I'm pressing.

After a moment.

He threw the small machine over.

"Look at what's on it."

Glancing at the quaint shape of the phone, Hu Miaoran sneered even more, and the contempt in her heart became even worse.

"Your mobile phone is older than mine. With your level, you still want to help me? You'd better stop wasting your time and improve your life."

Well, this girl is quite viper?

She was kind enough to help her, and she still had an attitude of being ridiculed. Kindness is not rewarded, is this?

"Who asked you to look at the cost of the mobile phone? Why are you so superficial." After hearing this, Li Xia was so angry that it was funny. He smiled and tapped the screen, "I let you see the regulations I found on the Internet. This thing is very helpful to you, so don't miss it."

"Regulations?" The densely packed text filled the screen, and it looked quite professional. With such a posture, Hu Miaoran was finally startled, and stopped laughing.

He hesitated for a moment, but still reached out and touched it.

Then look suspicious.

"What are these talks about?"

Those professional nouns are densely packed together, and Hu Miaoran can recognize every word that is clearly separated, but for some reason when they get together, the little girl can't figure out what the meaning is.

"To put it bluntly, in terms of borrowing money, no matter how much the principal is, the lending company can only ask you for the principal plus 30.00% interest at most. Any arrears are not protected by the law. To put it more plainly, the high interest of several million they want from you is actually an illegal act. "

Hearing this, the eldest lady cheerfully stretched out a finger, and said the law with a serious face.

"How about it, did the million-dollar fund suddenly shrink by dozens of times? Doesn't it feel a lot more at ease to not have to sell the house?"

Chapter 384 Chapter 385, I am a local tyrant

The truth is that.

The reason why those guys who owe money are so arrogant, in the final analysis, has nothing to do with the principal.It's just showing off under the guise of the high interest rate.

After all, it is a high loan.

Many borrowers whose wives and children were persecuted did not fall on the principal they borrowed, but on the skyrocketing interest that was almost joking.

For example, you can see similar templates in many news reports in your previous life. Obviously, the borrower only applied for a small amount of a few hundred or even a few thousand, but in the end, the interest increased to tens of thousands. Even hundreds of thousands so excessive?To be honest, how could such a huge debt be paid back overnight?

As a result, borrowers have fallen into a vicious circle. They are desperately trying to make money and pay back the money, but as long as they don’t pay the debt all at once, the remaining amount owed will continue on the next day. A sky-high interest rate was generated, they were defeated, and they were buried in the soil as before.

How else can I say that borrowing such a loan is equivalent to ruining my whole life?That's why I couldn't stand up for a long time.

Of course, having said that, such behavior can only be attributed to the unreasonable troubles of the Black Society. After all, it has been said above that what the law protects is only the principal and 30.00% interest, and the rest Part of it will be counted as illegal money.

If those guys who don't know how to restrain themselves ask you for money in the name of increasing interest rates, um, be bold and be at ease, don't feel that being harassed is a very shameful thing, and don't be so depressed that you dare not talk to others Go tell the truth, grab the phone and go to the police. Uncle policemen who rush for performance in the middle of the year are welcoming these criminals.

Cough, this is a bit off topic.

All in all, all in all.

The reason why the eldest lady brought out these long stories all at once.

It's not for the water plot, a waste of time.

I just want to tell this pretty and lovely girl in front of me that the other party has actually surpassed the legal limit when it comes to violent collection.

Since someone else has broken the law, what do you need to worry about?Take up arms directly to defend your rights!

If you think about it with your toes, you know that the black and sleazy guys who make harassing calls every day, and even speak foul language, must not be from serious big companies.And the behind-the-scenes borrower who cooperates with him is probably also the nature of a local ruffian. The reason why he is now entangled with Hu Miaoran is most likely due to the weak temperament of this mother and daughter. What about interest?

In this way, it is not difficult to guess that the principal of this large amount of arrears may only occupy a small part, and the high and unreasonable interest is the real claim.

After the words fell, perhaps it was unexpected that this little girl who looked like a white lotus could say such a profound speech that was completely inconsistent with her cute and well-behaved appearance.

Hu Miaoran's initial reaction was to be slightly taken aback.

After a while, after blinking, he digested the great truth.

But he still looked unbelievable, touched his chin, and sighed strangely: "No, you mean...those guys who always call to harass, they yell about interest... ... are not established? '

"I'll repeat it again. It's not that it's untenable. It's that the interest that exceeds a certain amount is untenable. For example, if your father borrowed 30 yuan, when you repay the money, the interest of more than 9 yuan is still under the protection of the law. But if If the other party uses other excuses to ask you for more money, then you can call the police immediately."

The eldest lady put up a finger, smiled cheerfully, said, paused, and added: "So again, do you know that when your father borrowed money, the principal was How many tens of thousands? If you know the amount you borrowed at the beginning, you can basically calculate the upper limit of the amount.”

The other party touched his eyebrows.

His eyes were slightly wrinkled, and he didn't speak for a while, but the light flickered, as if he was thinking about something.

After a while, as the pointer hanging on the clock's middle plate gradually tilted slightly downward, she opened her mouth in a haze.

"I don't remember very clearly...Because when the other party called before, they were always in an arguing tone, and it was basically impossible to calm down and talk about something."

After all, it is a debt, the tone is indeed not too good.

However, after a pause, the girl thought of something again: "However, when I heard my mother call before, she complained to that man on the phone, why the 50 mess you left before leaving our house It's all ruined or something...'

Well, that man should be referring to his ex-husband.

But then again, isn't this mother of the Hu family a little weak?He obviously still has the contact information of the other party, but he didn't directly find a place to deal with the mess?What's more, the pot of borrowing money is originally the Hu family's father, right?

"50..."

Hearing this, Li Xia touched his chin with a distant expression on his face.

The 13 in 50 is still quite a gold figure. Among other things, their slightly more luxurious neighborhood in Yecheng, although the house price has gradually risen, but 50 is still enough to pay the down payment.

To put it bluntly, the 50 yuan can basically be equated with half of the luxury houses. Even if it is a family in Beijing, if they want to pay for it all at once, it must be a nerve-wracking rhythm.

Not to mention the newly divorced family.

The eldest lady didn't say much.

He stroked his chin casually, but took advantage of the few minutes before the end of get out of class to ask in a leisurely and tentative tone.

"If I say that the 50 arrears, if you really have to pay them, it's actually quite tricky, what do you think?"

The other party sneered.

His face was full of sarcasm called "why not eat minced meat".

Not to mention that there is a lot less money, even if it is not a particularly huge debt, the one who really needs to pay it back is our Hu family. Isn't it a bit too cool for you to say this to an outsider?

Standing and talking doesn't hurt my back. This is it.

Of course, after all, Li Xia was also benevolent to her Hu family, and the speech just now was quite an important clue.

So no matter how disdainful she was, this girl knew some etiquette anyway, and she didn't show it clearly in her eyes, except for the humming and eating expression, no matter how you looked at it, it was not interesting.

"Don't be so quick to blame me in your heart, I remember to tell you before I come here." As a result, seeing the strange look on the other party's face, Li Xia couldn't help covering his mouth and chuckling: "If I Said, I happen to have some spare money in my hand, I can temporarily advance the principal for you, and return it to me when you have money later, do you believe it or not?"

This is a bit strange to say.

Hu Miaoran was slightly stunned, her disdainful expression suddenly froze.

What does she mean by that?

Is this to help yourself?

But... the amount of 50, she is a poor child from other provinces, and an ordinary family who came out of a rural village.

How can it be possible to have the capital to help oneself?

What's more, will this be another trap?

After all, the reason why I and my mother have been in such a state of distress recently, in the final analysis, is also related to borrowing money.

Then borrow money from others, even if it is a classmate relationship, why does she feel so uncertain in her heart?

"If you doubt it, we don't need to make an IOU for this money, and we don't sign any messy contracts. As for your Hu family, you can return it to me when you have money. If you are struggling for a while, you won't be able to get it out. In fact, it doesn't matter, anyway, I'm not in a hurry to spend money." But I didn't expect that it was at the stall where Hu Miaoran was thinking wildly.

The eldest lady's next sentence made her even more confused.

No IOU?No contract?Then this amount of money is no different from beating a dog with a meat bun?

Cough... She didn't say that she was that, but why was this girl so strange?

That's how she believes in herself?

Or is there another intention?

What's more, hundreds of thousands of dollars have been spent in this understatement...

Why is this rhetoric so illusory?

And in the midst of wild thoughts.

The other party scratched his neck.

Taking advantage of the bell ringing after class, he slowly stood up and relieved his sore arms and legs.

"Okay, let's talk about the rest at noon. Anyway, your roommate didn't come to class today, why don't you come over to have a meal with us? Let's talk about money and other issues in detail, you can Is it?"

…………

Well, although the eldest lady said it was a loan, the real use of the money is actually no different from giving it directly to the other party.

After all, if you think about it with your toes, you can know it. If you don't sign the paper, doesn't it mean that such an act has no legal effect?Then once the money is handed over to the other party, whether the other party will pay back the money or not depends on one's self-cultivation.

Of course, saying so, the eldest lady also said that it doesn't matter.

After all, the number in my bank card has long been densely packed like something, even if it is really subtracted by 50, it will not hurt, right?

To put it more precisely, even if she really used the money for charity, and could see a family avoid the fate of a second disintegration because of this money, then she would feel that it was worthwhile for her to spend a thousand dollars.

Well, I'm a little too cranky.

While eating, there are still those familiar faces around.

Zhang Ruozhi, Cai Xiaomin, and his own lazy turtle hair who doesn't like to move very much.

But when the acquaintances met, the atmosphere among them became very strange.

The reason, of course, was that Hu Miaoran, who had a bad temper, didn't know what was wrong, and even sat with them?

Well, although I don't know exactly what the beautiful young lady did to this classmate from the Hu family to make him change his normal behavior and sit obediently in the middle of this small group.

But I have to say that with Hu Miaoran's surly and arrogant personality, even Zhang Ruozhi, who is good-tempered and cheerful, still resists her a little.

A stinky guy who always has few playmates.

This Hu Miaoran had been giving cold eyes to the two best friends around her before, and even when the eldest lady comforted each other with good intentions, she was angrily reprimanded?

Such an offense, and such a ruthless attitude, as a best friend, I can't get used to it anyway, okay?

This girl, why are you so arrogant?

It was as if she was the little princess.

As for being so squeamish?right?

Perhaps it was also because of the resistance in my heart.

A group of people sat in their positions, but you looked at me and I looked at you. No one spoke, and no one touched their chopsticks to eat.

The atmosphere became a little quiet for a while.

Eyes wide open, full of embarrassment.

Chapter 385 386, breaking the news

Maybe it was because he couldn't bear the delicate atmosphere, or Li Xia spoke first.

"Eat, what are you doing? You're all here in a daze, you guys are too shy to talk if you have new friends?" Seeing her cheerfully waving her chopsticks, she took the initiative to divide the braised chicken legs in her bowl. One piece was given to Hu Miaoran who was next to her, and she immediately winked at him.

Such a move was also to please her. After all, most of the lunch she ordered were vegetarian dishes, except for two braised chicken drumsticks, one big and one small, which were not much meat.In particular, she also gave you the big one, doesn't that represent the subtext that she wants to get closer to you?

Just saying that, there was a faint smell of soy sauce from the tip of the nose, and Hu Miaoran's expression not only showed no gratitude, but even became more and more weird.

why?

Naturally, it's because the food here is shabby, no matter how you look at it, right?

Not to mention that the other party ordered all vegetarian dishes, even if they ordered all the dozen or so meat dishes at such a window, the cost would probably be less than thirty yuan?This guy usually eats here? No matter how you look at it, it doesn't look like the kind of thing those rich guys and daughters would do, right?

In a trance, Hu Miaoran suddenly thought of the promise that this person swore just now, what did he say to pay back the money for herself?Can you look at these vegetarian dishes again?Her expression is getting more and more wrong.