Chapter 22 What's up with this husband?
Lu Yan walked over to her, sat down next to her, placed the contract on the table, and showed her the unreasonable parts of the contract.
Qin Ce, who saw this scene from outside, frowned deeply. He turned the steering wheel to the left and drove into the coffee shop.
"Look at this clause, it says there's a 5% handling fee. That means if you borrow 50,000, they'll charge you a 10% handling fee, which is 5,000 yuan. Did you read that when you signed the contract?"
"I saw it. The manager said it's 10% interest."
"He didn't write that it was 10% of the interest, and there's also this: if you repay early, you'll also be charged a 10% early repayment fee on the principal."
"And this one too, penalty interest. You probably don't know what that is, right? It means that when you are late in making a payment, in addition to the principal and interest you should have paid, you will be charged an extra penalty interest fee. This kind of fee is usually very high. They won't specify the interest rate, but they will calculate it for you based on the highest interest rate. This should be the biggest pitfall in loans."
Upon hearing Lu Yan's words, Qiao Xing's eyes widened. She stammered, "If I pay it back on time, there shouldn't be any problem, right?"
Lu Yan sighed, "Yes, but what if you can't pay it back?"
Qiao Xing fell silent. She felt that she should be able to pay it back. Fortunately, she only borrowed 50,000 yuan. If it had been 100,000 yuan, she might not have been able to pay it back.
Are there any other pitfalls?
Lu Yan glanced at her amusedly. "Of course."
Qiao Xing's heart sank further, and she asked with a mournful face, "There's more?"
Lu Yan tapped the contract with his finger. "Insurance fee, isn't it written here? It ensures repayment in case the borrower has an accident or loses the ability to repay. He didn't say what this insurance fee is for. I wonder how much money they'll deduct from your account. You..."
"So, senior, how much of the money do you think I'll actually get?"
Lu Yan sighed, "Then it depends on the other party's conscience. After deducting all these miscellaneous fees, you should be secretly happy with 40,000, or even 30,000 or 20,000."
Qiao Xing twitched the corner of her mouth. This was her first time taking out a loan, and she really didn't know anything about it.
It's all that person's fault. He made it sound so appealing, and she was in such a hurry to buy the house that she fell for his trick.
"In the future, when you need a loan, go to a regular bank and don't go to these private loan sharks. Many people have been cheated and lost out, and the contract states that it's very difficult to win a lawsuit."
Qiao Xing slumped like a deflated balloon, and Lu Yan couldn't help but find it amusing to see her like this.
"Oh right, I almost forgot the important matter. Regarding Lin Yu, are you going to pursue legal action against him, or settle it privately? He should have already contacted you, right?"
Qiao Xing nodded listlessly. "Yeah, he gave me a card, but I gave it back and told him to use my account."
"That's right, so you're not going to follow the procedures?"
“If he returns the money, there’s no need for this. I don’t want to make a big deal out of it, otherwise both of us will lose face.”
After Lin Yu's mother spoke ill of her at the company last time, her reputation was already bad enough. If this really went to court, people would think she was aggressive and heartless.
"Alright, you still owe me a meal. Don't forget to pay me back when you do."
Qiao Xing knew he was joking, but she wasn't in the mood for jokes at all. She just nodded blankly, "I won't forget."
She was about to say something when she looked up and found Qin Ce standing at the door, which surprised Qiao Xing.
However, Qin Ce didn't seem to see him. The waiter went up to greet him and walked over here.
The moment Qin Ce turned around, his eyes met Qiao Xing's, and Qiao Xing was stunned.
Lu Yan also noticed her unusual behavior, and looked up to follow Qiao Xing's gaze, where he also saw Qin Ce, who was dressed in a suit and tie.
The man was handsome, but his features gave off a cold and stern feeling, especially his deep eyes, which carried a powerful aura.
"Do you know him?" Lu Yan asked.
Qiao Xing answered him directly with her actions, standing up from her seat and greeting Qin Ce.
"Qin Ce".
Qin Ce paused, giving her a cold glance. "What are you doing here?"
She glanced at Lu Yan, and although he didn't show any expression, it still made Qiao Xing feel a little guilty.
Qiao Xing chuckled dryly, "This is my senior, his name is Lu Yan, and he is a lawyer."
She then introduced him to the bewildered Lu Yan, "He, he is Qin Ce, and he is also me..."
Qiao Xing suddenly found herself unable to speak, while Qin Ce raised an eyebrow, waiting for her to continue.
Seeing their reactions, Lu Yan guessed, "Your boyfriend?"
"No...no, it's my husband," Qiao Xing said through gritted teeth.
Lu Yan was even more confused. Wasn't she still asking him to help with her boyfriend's case? What's going on with this husband?
Moreover, Qin Ce did not refute this, so it seems that what Qiao Xing said is true.
A clear hint of hurt was visible in Lu Yan's eyes.
"I see." Lu Yan forced a smile.
"Senior, this is a long story, I'll tell you in detail when I have the chance." Qiao Xing was also afraid that he would misunderstand that she had cheated on him or something, and that she had sued Lin Yu in order to marry Qin Ce.
What if he thinks she's an immoral woman and stops helping her?
Lu Yan also stood up. "Alright, in that case, I'll be leaving now. I won't bother you any longer."
He left the coffee shop feeling very disappointed.
After Lu Yan left, the atmosphere became a little awkward. Qiao Xing took the initiative to start a conversation with Qin Ce, "Um, are you here on business?"
Qin Ce nodded and sat down directly opposite her. "I have some business to attend to. Are you here on business too?"
"Ah, yes." Qiao Xing realized what was happening and quickly hid the contract on the table behind her back.
"What are you holding?" Qin Ce asked.
"No, it's nothing."
Qin Ce paused for a moment, then asked the waiter to remove the coffee from the table and bring two new cups.
He leaned back in his chair, looking at Qiao Xing with a stern expression, as if he were about to interrogate her. "Qiao Xing, although we became husband and wife due to some unavoidable circumstances, we are still husband and wife. You wouldn't be hiding anything from me and accumulating any debts outside, would you?"
Qiao Xing was slightly taken aback. She lowered her head, like a student who had done something wrong, and said, "Um... I'm sorry."
Qin Ce looked at her without saying a word.
Qiao Xing honestly handed over the contract, "I did take out a loan, but don't worry, I will pay it back myself, and I won't let you pay it back."
Qin Ce glanced at the contract, took it, looked at it casually for a few moments, and then tossed it back onto the table.
Qiao Xing glanced at him, and surprisingly, he wasn't angry?
This was somewhat unexpected for Qiao Xing. If it had been Lin Yu, he probably would have jumped up long ago.
Lin Yu would only blame her for being stupid, for being deceived, for not being able to do anything right, and for what use it was for a woman to buy a house, saying that focusing on her family was the right thing to do.
Qin Ce asked, "What do you need this money for?"
Continue read on readnovelmtl.com
