Chapter 61 Interest-free Loan
After signing the fruit seedling purchase contract with Xinguang Farm, Deng Shirong achieved the main purpose of his trip to Lingshan. On his way home, he silently calculated his recent funding gap in his mind.
After the first batch of goods from the tile factory was sold last month, the combined income of the father and son exceeded 700 yuan.
He arranged for the woman to stay at Deng Changwang's house to look after the house, and received a red envelope of three yuan, plus the system's tenfold reward, which amounted to thirty-three yuan.
Adding the original 700 yuan, the cash in his hands once exceeded 1,450 yuan, which made him a wealthy man in the countryside.
However, Deng Shirong's expenses over the past month have been huge. He spent more than 50 yuan on the tuition and living expenses of his sons, and more than 150 yuan on buying rice, cloth, and various seasonings. Add to that the 100 yuan he gave to his eldest daughter before he was released, and more than 300 yuan was gone.
At Xinguang Farm, Deng Shirong gave a deposit of more than two hundred yuan, which added up to more than five hundred yuan.
In addition, it cost more than 800 yuan to buy cement and lime to build the house. It was not necessary to spend so much, but Deng Shirong wanted to pave the floor of the house with cement, so he spent so much money.
At this point, only a few dozen yuan were left of the more than 1,400 yuan.
The brick and tile factory still owed people nearly three thousand yuan for bricks and tiles, and the eldest son's marriage would require another one thousand three hundred and eighty yuan. This added up to a funding gap of more than four thousand three hundred yuan.
If other rural people had to bear such a huge expense, they would probably be so scared that they couldn't sleep.
But for Deng Shirong, who has seen the world, a few thousand dollars is not enough to scare him.
First of all, the second batch of goods from the tile factory started selling this month. The combined income of the father and son is estimated to be 700 to 800 yuan, and the monthly income is expected to remain at this level. More than 4,300 yuan is just over four months' income. There is nothing to be afraid of.
Besides, Deng Shirong would not have been idle for more than four months.
Now that the fields and mountains have been divided up, the marriage of Zhang Kangmei and Deng Changmei can be put on the agenda. Also, Deng Changwang and Dai Fanglan have already visited the house, so if nothing unexpected happens, they can be urged to register their marriage as soon as possible.
The economic conditions of these two families are not bad, better than Deng Changfu's family. If they receive the matchmaking gift, it must be a considerable income.
Of course, having said that, although these incomes are foreseeable, as the saying goes, distant water cannot quench nearby fire, he still needs to make a large sum of money in the near future.
After much thought, Deng Shirong decided to take out a bank loan.
In later generations, it was quite difficult for ordinary people to get a bank loan if they had nothing as collateral.
But in this day and age, it is not easy to get a loan from a bank. Deng Shirong remembers that there was a period of time in his previous life when people in banks were asking people for loans everywhere, and these were interest-free loans that people in later generations would never dare to think about. However, there were still very few rural people who were interested in taking out loans.
It is true that rural people in this era are too honest, and many of them can't sleep because they owe money to the bank.
Of course, the most important point is that the concepts of this era are different from those of later generations. In later generations, those who owed money were all big guys, and being able to get a loan from a bank meant that the person was capable. However, rural people of this era were ashamed to take out loans, and felt that owing money to the bank was a very shameful thing.
This is the main reason why few rural people are willing to take out loans even though banks provide them with interest-free loans.
As for the exact year this happened, Deng Shirong couldn't remember it clearly.
After all, he had never taken out a loan from a bank in his previous life. After more than 40 years, how could he remember it so clearly? When he returned, he would go to the credit union to ask. If he could get a loan, that would be the best, so that he could have more money on hand. If he couldn't get a loan, it wouldn't be a big deal. At most, his eldest son's wedding would be postponed a little, which wouldn't affect the overall situation.
Thinking of this, Deng Shirong leaned his head against the window with peace of mind, then closed his eyes and rested.
…
Shuangwang Credit Union.
Bu Wanhui was smoking a hookah, and through the smoke, one could see his furrowed brows.
Originally, as the director of a credit union, Bu Wanhui led a pretty good life and was considered a well-known figure in the village. However, he was still a little overwhelmed when faced with the loan assignment assigned by his superiors some time ago.
Since the reform and opening up, the country has introduced many people-friendly policies to support farmers in developing the economy, including interest-free loans.
When this policy was first introduced, it had not yet affected Bobai County, but now the policy has been introduced for more than a year, and the leaders of their credit union are also actively responding to the call from their superiors and distributed this loan task to every credit union in the countryside some time ago.
Faced with the tasks assigned by his superiors, Bu Wanhui was full of confidence at first, thinking that he would be able to complete the tasks successfully in no time.
As a result, when it came to actually implementing it, Bu Wanhui realized that completing this task was not an easy task.
Not to mention the distant past, just talking about his own brothers, he has already made it very clear that there is no interest on loans now, so let his brothers borrow some money and invest it to do anything, which will be better than the current situation.
But when his brother heard about bank loans, he was so scared as if he was facing a flood or a beast. He kept shaking his head. No matter how he lobbied, he just refused to go to the bank for a loan.
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Faced with this situation, Bu Wanhui felt really disappointed with his brother. He didn't even dare to lend him money without interest, but just worked hard in the fields. It seemed that his brother was destined to never get rich in his life.
Not only his brothers, but also his relatives were the same. Bu Wanhui told every relative in the family about this and asked them to go to the bank to apply for a loan without interest if they needed it.
When the relatives heard the word "loan", they shook their heads and no one has been willing to take out a loan so far.
Bu Wanhui lit several cigarettes before putting it down.
At this moment, an employee came over excitedly and said, "Director, someone is here to apply for a loan!"
Bu Wanhui was invigorated upon hearing this and asked, "Is it a collective or an individual?"
The employee smiled and said, “It’s a personal loan.”
A smile instantly broke out on Bu Wanhui's face. Their credit union was not short of collective loans, and the loan tasks assigned by their superiors did not include collective loans, but rather individual agricultural or commercial loans for the majority of farmers.
After all, this policy formulated by the state is to help farmers develop the economy.
As the saying goes, the beginning is always the hardest. The personal loan task has not made any progress before. Now someone has finally come forward to apply for a loan. As long as the other party has made achievements, it will surely cause others to follow suit. Then their credit union will have hope of completing the task assigned by their superiors.
Thinking of this, Bu Wanhui could no longer sit still. He wanted to go out in person to receive this extremely important customer to their credit union.
(End of this chapter)