Chapter 151 Borrowing money is the most difficult thing in the world
After walking around the house a few times, I stopped and, yes, raised the money immediately.
If you don't have it, then borrow it. From whom?
Borrow from my sister? Unless I need the money urgently, if I say I lent it to my master, she will ask what's wrong with him. I really don't want to make the matter of my master's family public.
My brother-in-law, this is feasible. It should be no problem to borrow 100,000 yuan. And he is a man, he won't ask me to borrow money for any reason.
So, the rest... I started screening the people. Dongzi, no money; Yitong, no money; Brother Long, he's rich, but it's hard to ask. Chairman Song is a gentleman, we can talk about literature, but talking about money is vulgar. Brother Shi, he borrowed everything from his sister last time.
It really lived up to the saying: If you don't lend money, you'll have friends everywhere. But if you lend money, everything will be in tatters. The only person left is Director Ming. It felt like a favor being rewarded.
Someone said, "Isn't it just 200,000 yuan? You've been doing business in Urumqi for five or six years. Is this little money enough for you?"
The person who said this has definitely never borrowed money.
The difficulty of borrowing money is that a person's face starts to lose value when he borrows money.
People will think, "You're a well-off man, your sister is a businesswoman, and you're asking for money?" This proves that you have a bad relationship with your sister. Or maybe your sister's business is failing, or you're rich and like gambling, and you've lost it all, or you're hooking up with a married woman, and she's asking you for money, and you're too embarrassed to ask your family for it, or...
Damn it, I can’t explain it.
Director Ming had no choice but to speak to him.
I plucked up the courage to call him.
I said, "Director, there is something I want to talk to you about."
"Speak, Master."
"I'm in a bit of trouble and would like to borrow 200,000 yuan."
"What kind of difficulty is this? Master, you still need to borrow money? It's about the house, right?"
"Yes, the renovation is complete. I borrowed 200,000 yuan from someone to pay off the renovation fee. Now, someone else has an urgent matter and needs the money urgently."
There was silence for a while.
I quickly added, "Just for a year."
Director Ming said, "If I told you I didn't have even two hundred thousand in savings, you wouldn't believe me. If I told you I didn't trust you, you wouldn't believe me either. It's just bad timing. Yesterday, really yesterday, I bought two storefronts in Bajiaoting and paid in full."
I was stunned for a moment.
Director Ming said, "Brother, I'll send you a WeChat message right away and send you the contract and payment receipt."
I cheered myself up and said with a smile, "No need, no need. I still don't believe you?"
There was a bit of awkwardness on both ends of the phone. After a while, someone seemed to call him, and he said that there was a visitor and he would go to receive him.
"Okay." After hanging up, I sat on the bed, feeling a little helpless. After a while, my phone beeped twice. I knew it was Director Ming sending me pictures.
I didn't want to read it, but I tried to comfort myself by thinking: He really wasn't unwilling to lend the money, he really did buy the house. I opened WeChat and it was absolutely true.
The only thing left is to ask my sister.
Of course, I can be 100% sure that she will lend it to me. Blood is thicker than water, which actually refers to two things: one is the willingness to give you financial assistance, and the other is the willingness to spend time with you.
But she only lent it to me on the condition that I tell her what I'm going to use it for. This is also the key to borrowing money between relatives. You can lie when borrowing from others, but not from relatives. Relatives can lend you money, but they care about what you're going to use the money for.
For example, if you want to invest, he'll definitely analyze the feasibility of the investment. If you want to buy a car, he'll analyze whether it's necessary right now. He'll also discuss whether you can wait a while and find a acquaintance to get a discount before buying. Otherwise, if he lends you the money and you gamble or spend it beforehand, that's unacceptable.
What am I going to do with this 200,000 yuan? I already have a house, I'm not looking for a partner yet, and I drive my master's car. If you say you want to buy a car, then you have to buy one.
There's no reason to borrow money. It's not even 10,000 or 20,000 yuan. Not only will you be unable to borrow the money, but you'll also cause your loved ones to worry about you every day. Do you think you've done something bad and are being targeted and blackmailed? What tempted you to go to Macau to play baccarat? What possessed you to be fooled by a scammer?
In short, if you don't have a good reason, once you open your mouth, you'll cause trouble. Because, my master has warned me not to tell anyone about this.
I eliminated my extremely powerful elder sister, Comrade Wan Shuixiu.
After a while, Director Ming called and asked, "Brother, have you seen it?"
"I saw it."
"You should have replied to my message after reading it. I've been feeling uneasy, thinking our friendship was over and you were ignoring me."
I forced myself to smile and said, "No, no, a customer just came in and left."
He said, "I'll be right there."
About an hour later, Comrade Mingbai came over and asked, "Where do you usually open an account?"
"CCB!"
He clapped his hands and said, "This isn't easy. The president of CCB is my cousin. I'll call him right now."
I said, "I have borrowed 200,000 yuan from China Construction Bank. Can I borrow more?"
He laughed and said, "I don't know if it will work elsewhere, but it's fine at CCB."
I got in Director Ming's car and headed straight for CCB. I felt guilty towards my master, so I offered to help him as much as I could. I already had a house and a car, and taxis were easy to get these days. So I said, "Since you're my cousin, I'll lend you 500,000 yuan."
I thought, so I don’t have to borrow from my brother-in-law.
Director Ming nodded.
Arriving at President Ming's office, things were relatively easy for him to talk to. He immediately called and asked the loan officer to come over.
The loan officer bowed and nodded like a dog in front of Director Ming. But when he took me to handle the specific procedures, his expression changed. He refused to take the cigarette and did not answer my questions.
After passing that stage, the girl who was in charge of the matter had a stern face without a smile on her face, as if she had a deep hatred towards me. I asked her whether she wanted to answer or not.
After enduring so much disrespect along the way, I finally remembered what Mr. Lan once said: money is face. Today, I have no money, so I have no face at all.
That little girl didn't treat me like a human being at all. She treated me like a dog, always saying, "Hey, come here, hey, press your fingerprint, hey her!" She kept asking me to do it seven or eight times. Only then did I get this little card.
I called Director Ming, and he came down from his cousin's office and asked, "Is everything going well?" How could I say it wasn't going well? I smiled.
The next day, after taking the car out, he announced the news to his family.
My mother said, "As a filial son, it's time for you to take your parents home to enjoy their happiness."
My sister said, "Yes, his son is rich and gave the master a house. The two old people can go for walks in the park and join tours to Singapore, Malaysia and Thailand. They don't lack money for anything. How happy they are."
My brother-in-law asked, "Shanhong, you have to work hard to earn money for a year to buy a new car."
The topic changed and we discussed what car I should buy.
My sister said she would buy a BMW worth over 400,000 yuan even if she borrowed money. My brother-in-law said an SUV worth over 200,000 yuan would be fine. Youchen was going to the countryside to do feng shui, and Yifan said a master like Uncle Wan couldn't be any worse than before. He used to own a Land Rover, so he had to buy a Land Rover at least.
I said, "There is a new concept that is popular now. Buying a house is not as good as renting one, and buying a car is not as good as taking a taxi." Everyone laughed.
I said, "It really is all about adapting to the new situation. If you do the economics, you'll find this statement is truly true."
My mother rolled her eyes at me and said, "You should have some face too. Isn't the whole purpose of living in this world to save face? Otherwise, why would you wear clothes worth a thousand yuan? We have plenty of old clothes at home."
I smiled bitterly and stopped talking.
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