"Da Ming, why don't you deposit your money with me?" Xia Chunlai said. "I'll definitely give you the highest interest rate."
"Saving money? Haha, brother, you'd be more like giving me a loan." He's father laughed. "To be honest, we don't have any money to save right now. When I said I bought the house and car with loans, I wasn't kidding, it was the truth, so we really don't have any money to save. When we have money in the future, we can deposit it with you."
“I understand that almost everyone in business takes out a loan.”
Xia Chunlai, being in this line of work, naturally knows more about it than others.
"Would you like to take out a loan? I'll offer you the lowest interest rate."
Mr. He didn't agree immediately. After hesitating for a moment, he asked, "What's the annualized interest rate?"
"fifteen."
Mr. He smiled and said, "Then let's forget about it."
"Too expensive?"
"Brother, do you know what the annual interest rate is for my loan in Shaocheng?" He's father gestured, "Only eight percent, while yours is fifteen percent, and you're telling me it's the cheapest."
Xia Chunlai chuckled awkwardly, "It's a bit more expensive at home. I usually lend to other people for eighteen or twenty percent. And I haven't seen your factory or shop's cash flow, so... but an annualized interest rate of eight percent is definitely not an option."
“It’s okay if it doesn’t work out. We do business in Shaocheng, so it’s not really convenient for us to get a loan from you. Shaocheng supports small and micro companies, so the loan interest rates are not high. Besides, if I were to borrow 20,000 or 30,000, it would be too little and wouldn’t be of much help to us. Borrowing several hundred thousand would probably be inconvenient as well.”
When Xia Chunlai heard He's father mention borrowing several hundred thousand yuan, he was startled. Then he remembered the rumors that He had hundreds of employees. It seemed that this might be true!
"A loan of several hundred thousand is definitely not an option, but a loan of around ten thousand is not a problem. However, you need to provide proof of revenue from your factory or fast food restaurant, and we will offer you an annualized interest rate of thirteen percent, which is really the lowest we can get."
Mr. He yawned and said, "It's too inconvenient to live so far away. Forget it, I'll deposit my money with you when I have it in the future."
Xia Chunlai thought that He's father wanted to lower the price, but in fact, He's father didn't want to take out a loan at all. The debts he already owed were already enough to make people worry.
If He Wenlin hadn't guessed Xia Chunlai's intentions beforehand and informed her father in advance, her father would have refused long ago and wouldn't have said so much to her.
"Thirteen is really the lowest," Xia Chunlai persisted.
Mr. He: "It's the lowest for you, but too high for us, and it's not very convenient for us either."
"But an annualized interest rate of eight percent is really too low. Not to mention that it won't work for me, no bank in the entire county or the entire city would agree to it."
“It’s okay if you disagree. I can get a loan in Shaoxing. I do business there, and it’s more convenient to get a loan there.” Mr. He glanced at the time and said, “It’s getting late, and it’s the New Year. Let’s not talk about business, brother.”
"Alright, I'll head back now." Xia Chunlai got up and left.
As soon as Xia Chunlai left, He Wenlin came out: "How did it go? What did you say?"
“What else can I say? The lowest annual interest rate is thirteen percent,” Mr. He said. “We already owe enough…”
Mr. He didn't really want to take out a loan because he was already very anxious about owing so much money.
“Dad, our house in Caijiang Village is finished. It needs to be renovated. Just installing water and electricity, painting it white, and putting in some basic furniture will cost at least 100,000 yuan. We’ve almost used up all the money we took out on the loan.”
Before the Lunar New Year, the food factory expanded and distributed its products to supermarkets, which cost a lot of money. If it weren't for the income from fast food restaurants and breakfast shops, the several hundred thousand yuan loan would definitely not have been enough.
"If we can't get a loan here, then forget it. Manager Wang and Xiao Zheng called to wish me a Happy New Year today. I chatted with them for a bit. Although we haven't paid off our previous loans, if our food factory's sales reach millions, it won't be difficult to get another loan."
"They wished you a Happy New Year???" Mr. He looked surprised.
“What’s wrong with wishing me a Happy New Year? I’m young, but I’m still a manager, and I’m their client, okay?” He Wenlin said. “It’s perfectly normal to wish clients a Happy New Year.”
He Wenlin also called the owners of the four factories of the fast food restaurant, Zhang Yanjun, Xing Feng, and Deng Zhiying to wish them a Happy New Year.
"Alright, go to sleep early. We have to visit relatives tomorrow. Relax these next few days." He Wenlin yawned and went back to her room.
...
The next day, after the family had breakfast, they put the prepared food back into the car, and then Mr. He drove the whole family to his grandmother's house.
To get to my maternal grandmother's house, we had to pass by Tang Kai's house, so we first wished my aunt a Happy New Year and had a cup of tea.
"Sister, have you sold out of your goods?" Tang Kai asked He Wenlin hurriedly.
"We sold out. We sold them cheaply, so there wasn't much profit. Our main strategy is to sell more at a lower price."
"How much can you earn?" Aunt Tang Jianguo asked. "How much did you earn this time?"
Aunt He: "I didn't make any money, and I was scared to death."
"What's wrong? Is there a robbery?"
Aunt He said, "These kids, who were only a few teenagers, were already being targeted by pickpockets when they set up their stall. Pickpockets and thieves usually operate in gangs. After Yang Gangyong went back, the kids took a minibus home by themselves, but those two people followed them onto the minibus. They were terrified."
"My God!" Aunt He Aihua exclaimed in shock. "It's too dangerous. When you go out to do business, you have to be careful. I heard the other day that a motorcycle gang snatched a bag and dragged the person along with their brains... Ugh, ugh, good luck, good luck, anyway, be careful."
"Later, another thief came at night, and there were saw marks on the windows. We had no choice but to call the child's uncle over to stay at our house at night. Otherwise, with the elderly and young children in the house, the thieves would be even more unscrupulous."
He Aihua: "In our village, there was a wedding before the Lunar New Year. On the wedding night, all the gold jewelry and the money from the gifts received that day were lost. The groom's mother cursed and cried all day in the village the next day."
Aunt He: "Thieves are rampant."
"Linlin didn't keep the money from selling the goods on her person, did she?" Tang Jianguo said. "It's safer to put it in the bank."
He Wenlin nodded: "Yes, it's in the card. It's not convenient to keep it at home."
Tang Kai asked with a grin, "Sis, how much did you get for it? Was it worth fifty thousand?"
He Wenlin rolled her eyes at him: "What are you thinking? The cost of purchasing the goods is less than 20,000 yuan, where did you get 50,000 yuan in sales revenue? Give it to me."
How many are there?
"The total turnover is 20,000 yuan. I estimate that if we split it among the four of us, each person will only get about 700 or 800 yuan," He Wenlin said. "We'll have to wait a few days to calculate the specific accounts."
Of course, the 20,000 yuan turnover figure was a lie. How could such a trade secret be revealed to outsiders?
However, it will take a few days to settle accounts and divide the money, because all four bosses need to be together.
These past few days have been filled with visiting relatives and friends to exchange New Year's greetings, but everyone's been too busy to get together.
However, upon hearing that they could receive seven or eight hundred yuan, Tang Jianguo and Tang Kai felt uneasy, because He Wenlin had initially included Tang Kai's share.
However, Tang Jianguo didn't give Tang Kai any money, and Tang Kai himself couldn't come up with any money, so he didn't participate. This meant he missed a chance to make money. Seven or eight hundred was not a small amount of money at that time.
Thinking of this, Tang Kai felt a little resentful towards his father, but since it was the New Year, he didn't say anything, though he was still uncomfortable inside.
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