Chapter 61 Applying for a Loan "It's because of you that I'm worried..."
"Mom, how's the packing going? I'll rent a small courtyard near the farm in the next couple of days, so you can move in as soon as you arrive." Chen Mian looked relaxed, leaning lazily against the table, her index finger twirling and fiddling with the telephone cord.
She's been quite busy lately, one thing after another. Only after finally getting the farm did she feel a huge weight lifted off her shoulders.
All that's left is to take out a loan and rent a place.
Chen's mother smiled gently on the other end of the phone and replied in a calm and unhurried tone, "Everything at home is ready, just waiting for your message."
"Do you have enough money? If not, we'll send you some more."
Upon hearing this, Chen Mian's eyes welled up with tears. She coughed to cover it up and said, "It's enough, it's enough. Don't bring too much luggage when you come. We have everything here. Just take care of yourselves."
"Oh, I know, our Mianmian has grown up and knows how to remind her parents now," Chen's mother said to her husband with a smile.
Mr. Chen nodded with a look of satisfaction.
They can't control what others say; they can say whatever they want. But they are the ones living their own lives, and they know perfectly well whether their lives are good or bad.
Mianmian is a good child and doesn't want to be too far from home, but her hometown is too poor, so what else can she do if she doesn't go out?
It's a good idea that the elderly couple can go out together now.
.
Chen Mubai was worried about his sister going on errands alone, so he took leave to accompany her, completely disregarding Ji Yu's presence.
Ji Yu sat on the sofa with an air of nonchalance, twirling two shiny walnuts in his hands: "Brother-in-law, I've already told you I can take good care of Mianmian. Don't you trust me to do things?"
Chen Mubai glanced at him and said, "It's precisely because of you that I'm worried."
"Also, don't call me brother-in-law, we're not related."
He was a man himself, so he naturally knew what Ji Yu was thinking. Being close to the water tower, he got the moon first; boiling the frog in lukewarm water.
If he doesn't keep a closer eye on her, his sister will be kidnapped by some blond-haired bastard outside.
Moreover, with such a large farm under her contract, Mianmian probably doesn't have enough money.
He also specifically inquired about the city's policies, and was told that loans were available, which sounded good, but in reality, loans required a guarantor.
Furthermore, the person providing the guarantee must have a formal job and a salary card, such as a teacher, police officer, or other public official.
Ordinary people might not be able to find such a friend to help them act as guarantor.
Ji Yu: "I knew you were here to steal my chance to help. Can't you give me a chance to show my skills?"
"cannot."
Ji Yu: "I'm serious. I've already transferred to civilian work and it doesn't matter to me, but you're still in the military. Even if you're guarantor for your own sister, you still need to submit a report, right?"
"Leaving aside the time commitment, are you really that confident that your superiors will approve it?"
Ji Yu felt certain that she would be selected this time, and she was quite pleased with herself.
As he spoke, he casually crushed the walnuts in his hand, took out the kernels inside, and threw them into his mouth.
These walnuts taste quite good, with a strong oily flavor. I don't know where I bought them. I'll let Mianmian try them too.
The next second, "Oh no, these are my dad's collectible walnuts!"
After Chen Mian finished her phone call with her parents, she turned around and saw Ji Yu looking extremely frustrated.
Chen Mubai, standing to the side, laughed heartily, "Hahahaha!"
Chen Mian sat back on the sofa. To her left was her longtime brother, and to her right was her boyfriend. She glanced back and forth a few times and asked helplessly, "What's going on? Did Ji Yu lose your fight again?"
Ji Yu retorted, "What do you mean 'again'? I was just letting him have his way."
After saying that, he eagerly handed the remaining walnut kernels in his hand to Chen Mian, saying, "Try it, it's really delicious."
"Great! Where did you buy it?"
Ji Yu tried to hide the evidence in an unseen corner: "Don't ask me about that."
Chen Mian raised an eyebrow in acknowledgment, and Chen Mubai responded silently. In a moment of smugness, he ate his father's collectible walnuts.
A bright smile instantly bloomed on the girl's face. What a fool.
"Let's go, let's go see the yard first today."
.
Ji Yu drove the brother and sister out the door.
The surrounding area was mostly barren, with only a few patches of green, which could barely be considered a sign of spring.
That piece of land in the northern suburbs—no, it should now be Chen Mian's farm—is really close to the goji berry farm.
It only takes half an hour to drive there.
Ji Yu and Yu Xiaoyue took turns trying to persuade Chen Mian to continue living in their home, but to no avail.
No matter what anyone says, Chen Mian insists, "I can pay for my own temporary accommodation, but my parents are coming, so they definitely need a courtyard to stay in."
Ji Yu first drove them to the new farm to experience firsthand just how big the new farm owner's territory really was.
It would take about 20 minutes to drive around, and about an hour to walk.
Chen Mian couldn't help but exclaim, "Wow, 200 mu is such a big place! If I had to inspect 2,000 mu, I'd be exhausted!"
"We'll know when Boss Chen has two thousand acres."
Ebony City is sparsely populated, with large tracts of land lying fallow. They drove around in circles before finally finding a somewhat dilapidated house about two kilometers away from that area.
Looking at the rickety wooden door, the gaping wall, and the peeling plaster in front of me.
Ji Yu: "Maybe we should just forget about it. How can anyone live here?"
The Chen siblings had already gone into the courtyard to take a look.
“I think with a little repair, it can still be habitable, and the roof isn’t broken,” Chen Mian said.
Chen Mubai: "But there are only two rooms in this courtyard, and there aren't enough for our family to share."
Chen Mian was speechless: "Are you stupid? My farm is so big, of course I'll build a new yard when my parents come. This time I'm going to build a nine-linked ring!"
The only person present, a former Northeasterner, asked: "What is the Nine Linked Rings?"
Chen Mianmian: "The Nine-Linked Rings is a modified version of a courtyard house. Opposite the main gate is the main hall, which includes a large living room and a sleeping room. On both sides are side rooms, including kitchens and living rooms."
There were nine rooms in total, arranged in a U-shape, all connected in the middle. In winter, the boiler in the kitchen could keep the heat going all the way to the last room.
“You don’t have to go out even when it rains. This is the kind of courtyard that only wealthy people in my hometown would build,” Chen Mubai added.
Ji Yu's eyes lit up: "That sounds great! As expected of our Mianmian, she has a good idea!"
Upon hearing this, Chen Mian quietly reached out and pinched his arm, signaling him to tone it down and not to be so obvious right now, you idiot.
“This yard is fine for temporary use, but it’s in the middle of nowhere, where are we going to find a landlord?” Chen Mian asked.
Ji Yu waved her hand casually: "No need for that trouble. It's obviously been abandoned for many years. I'll just tell my colleagues at the Agriculture Bureau, and they'll definitely know."
"That's good."
.
Chen Mian casually tied her long hair behind her head and took out paper and pen from the small shoulder bag she was carrying, writing and drawing incessantly.
"What are you calculating?" Ji Yu asked curiously as she leaned closer.
"Are you figuring out how to tidy up that yard? Don't worry about that, I'll get a few of my brothers to take care of it for you."
Chen Mian shook her head: "No, I'm thinking about the loan. I definitely can't spend all the money I have. I still need to build a house, and the farm has almost no income in the early stages..."
She frowned slightly, feeling a little melancholy.
As a newly developed variety, flat peaches will likely require more care and attention during cultivation, and the expenses will probably be considerable.
Building a house is also an expense. There are almost no other plants around the farm, so it would be best to plant a protective forest around it, which would also be an expense.
She originally planned to borrow only 10,000 yuan, but after careful calculation, she felt that 10,000 yuan seemed a bit tight.
Seeing that Chen Mian was silent, Ji Yu assumed that she was worried about the loan guarantee, so she quickly reassured her, "You don't need to worry about the guarantee. I'll help you with it, or I can just take out the loan for you."
He got more and more excited as he spoke, wondering why he hadn't thought of that before. What was the point of just acting as a guarantor? It was insignificant. If he could directly help Mianmian get a loan and then pay it off for her later, that contribution would be much greater than just being a guarantor.
He's already decided on the guarantor for his own loan; he'll put his father's name on it.
If he can't pay it back, his dad can't just stand by and do nothing.
Father Ji: Thank you, you're such a good son.
Chen Mian quickly stopped him from continuing his off-the-cuff remarks, saying, "It's my business, not yours, so don't meddle."
Ji Yu: "I didn't meddle, I just wanted to help."
“Oh right,” Ji Yu suddenly remembered what her mother had told her a couple of days ago, “My mom said she could give you 10,000 yuan to start a farm.”
Chen Mian: "?"
Yu Xiaoyue's original words were: "Consider this 10,000 yuan as an investment. If you make a profit, just return the 10,000 yuan to me. If you lose money, you don't need to return it to me. Just consider it a failed investment."
Chen Mian continued to shake her head: "That's even more impossible. I'd better borrow more myself."
She hasn't even started her business yet, but she's already in debt, living the life of a "ten-thousand-yuan household" ahead of time.
Seeing his sister worried about the loan, Chen Mubai spoke up in support: "Mianmian, don't worry too much. You still have your big brother. I have nowhere to spend my monthly salary, so I'll give it all to you."
Chen Mian knew they were all trying to comfort her, and a warm feeling washed over her: "Brother, you're not looking for a wife anymore, are you giving them all to me?"
"I'm in the army now, why would I look for a wife?" Chen Mubai said matter-of-factly.
He has no interest in romance; he'd rather spend that time training or playing with the cat than doing this.
"Let's go to the credit union tomorrow and ask about loan interest rates."
.
The next morning, the three of them went to the credit union together.
Chen Mian sat in front of the counter and handed over her ID card. "Hello, comrade, I would like to apply for a loan."
"How much do you want to borrow?" the staff member asked expertly without looking up, and then picked up the registration form to fill it out.
He paused for a moment when he saw the name on the ID card, then looked up and asked, "You, are you Chen Mian?"
Upon hearing this, Chen Mian looked up in confusion, as she didn't recall knowing anyone at the credit union.
She was stunned the moment she looked up; the person in front of her was none other than…
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Author's Note: The person who said they wouldn't make oaths is secretly making them again. Whatever, the main story absolutely must be finished before August!!!
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