Of course, Xia Ruzheng had no intention of dissuading Wen Zhichao. Once he started, he couldn't stop.
Xia Ruzheng told Wen Zhichao about this, and Wen Zhichao said, "I also think that the money we have may not be enough, so I think we may have to borrow money from the bank."
It is not common to ask for bank loans in this era. Many people will not take the initiative to owe money, especially when the bank's money belongs to the country. Many people are taught not to take a single penny from the country, let alone take out such a huge loan from the country.
Xia Ruzheng asked, "How much money should we borrow from the government?"
She knew that bank loans were cheaper than private loans, and the procedures were more standardized, so she didn't have to worry about any traps. However, there was a fixed repayment date, and if the loan was not repaid, the bank could force repayment. It was not like borrowing money from ordinary relatives, who could say, "I'm short of money recently, so I'll do it later."
"I estimate I'll have to borrow 100,000 and pay it back within five years."
One hundred thousand. In this era when having ten thousand yuan is considered a ten thousand yuan household, what is the concept of one hundred thousand yuan? Many people have never even heard of it, let alone think of borrowing it.
Xia Ruzheng blinked, and Wen Zhichao thought she was unhappy, so he explained, "Zhengzheng, don't worry. State loans are very safe. I'm sure I can get my money back within five years. There will be no problem."
Xia Ruzheng thought for a moment and said, "I don't have any objections. If anything goes wrong, we can just shoulder the responsibility together. If we want to borrow that much, do we have to mortgage everything we own?"
State loans are not granted casually. You need to have certain assets to get a loan. If Wen Zhichao wants to borrow so much, he must have to mortgage his family's factories, stores and restaurants. What's more, the property of the Family Mansion headquarters also belongs to them.
Wen Zhichao nodded apologetically.
Xia Ruzheng thought for a moment and said, "Anyway, we earned all of this bit by bit. Even if we lose it, we can always earn it again. Don't worry, I won't hold you back."
Xia Ruzheng might not have been bold, but she had good vision. The best industries to develop were naturally those closely related to people's lives: food, clothing, housing, and transportation. The couple had already entered the food and clothing sector, and as long as they performed well, their future was bound to be smooth sailing. Sometimes, there were indeed risks, but without taking them, how could there be opportunities to make big money? Xia Ruzheng understood this clearly. In her previous life, she hadn't had the opportunity to display her talents, but now, finally, she had a stage, so she shouldn't be timid.
Wen Zhichao had been brooding over this matter for days, his biggest worry being that Xia Ruzheng wouldn't agree. Their family business was built through their hard work, and he was afraid Xia Ruzheng wouldn't be happy about him taking a gamble with his hard-earned fortune. Now that his wife was so understanding, he didn't know what to say. He had quite a few business friends, but it seemed no one was as lucky as him, having such a supportive wife.
Holding his wife in his arms, Wen Zhichao was very happy, feeling like he was holding his whole world.
With his wife's permission, Wen Zhichao no longer had to be timid. He borrowed 100,000 yuan from the bank as quickly as possible and mortgaged his clothing store, restaurant, factory and the newly purchased land. He put all his assets on the line. Holding the 100,000 yuan was really a heavy burden. It was not only his own hope, but also the hope of his wife and the future of his children!
Wen Zhichao and Xia Ruzheng knew about this incident, but the others were unaware. Xia Ruzheng certainly wouldn't go around saying that his family had borrowed 100,000 yuan from the bank, and Wen Zhichao wouldn't say it either. He only told a few of his brothers that he had borrowed some money from the bank, so there was no need to worry about the funds.
Others knew how to borrow money from the bank, but many lacked the courage to put their belongings up for loan. Thinking of Wen Zhichao's wife and young son, they admired him even more. Wen Zhichao smiled and said, "My wife agreed, so I just went for it."
Everyone was immediately envious. Apart from anything else, the daughter-in-law's courage and bravery were unmatched by most people. If they failed, the whole family would have to sleep on the street.
Grandma Liu had heard some rumors and said, "Why don't you ask us for money if you need it? We're becoming distant again, aren't we?"
Now Grandma Liu not only regards the baby as her granddaughter, but also as her successor!
Xia Ruzheng explained with a smile: "Of course not, grandma, it's just that your family's pension is our parents' pension. If we lose it, wouldn't we be so sorry to them? And your family has helped us so much, how can we have the nerve to ask for your parents' pension? The closer we are to each other, the more we should think about each other!"
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