The federal loan interest rate is 5.7 percent and fluctuates tremendously. After all, all industries are developing now and they all need money.

Therefore, the loan interest rate will fluctuate at any time, and sometimes there is a difference of a few percent, which is very unstable.

It is now 5.7 percent, and maybe it will increase or decrease later, which is all normal.

And the deposit interest rate is less than 3%, about 2.8. Now it is not a very cost-effective thing to store money in the bank. It can't even beat inflation.

This may also be the reason why the federal people don't like deposits. They are willing to spend the money and will not put the money in the bank to deal with unexpected problems.

"What is your monthly profitability?" The legal officer took out a piece of paper and began to calculate.

The shopkeeper thought for a while, and said hesitantly, "About nine hundred yuan to more than one thousand yuan, not too much."

The legal officer blew a whistle, "This income is not too small for Buppen."

The "Minimum Hourly Wage Law" does not have the meaning of "guidance". In other words, it is only a lower limit and an explanation.

Buppen’s local minimum wage is close to three hundred yuan per hour, but most people can get more than three hundred yuan, about three hundred forty fifty, three hundred seventy eighty.

The wages of practitioners in other industries are higher, with more than 400 yuan in place. Only financial practitioners, lawyers, and dentists earn relatively high salaries, but this is also divided into people.

Some people earn less than ordinary workers' wages, but some people have already broken through the ceiling of the term salary.

Around one thousand yuan is really not that small.

Moreover, he lied.

In fact, his store can provide him with a profit of 1,350 yuan per month. He doesn't want to say so much, but just wants to keep a little hole card for himself.

Soon the legal officer calculated some data, and then he explained to the couple, "I recommend that you choose five years for repayment, which will be lower than the interest rate of a bank loan!"

The shopkeeper asked anxiously, "If it's five years, how much do I have to pay back every month?"

He had completely forgotten other things, and began to seriously consider paying back the money.

"About one thousand eight hundred yuan." The legal officer put down his pen and wrote some calculation formulas.

The couple looked at each other, and the owner shook his head, "Too many."

The legal officer very kindly reminded, "If you go further, the handling fee will increase step by step every year, and it will become less cost-effective, but it also has advantages."

"The bank will give you five years at most, and we can give you longer."

"What is your psychological reserve price, and how much can you get out of it in a month?"

The shopkeeper thought about it seriously, "Probably... four to five hundred yuan?"

The legal officer quickly calculated a similar result, "If you can accept the repayment period of 20 years, you only need to pay us six hundred and fifty yuan per month."

Six hundred and fifty yuan, although it is still a lot, but it is not impossible to survive through gritted teeth, and for twenty years.

The shopkeeper’s wife was a little clever, "Then how much do we have to pay back in total?"

The legal officer looked at the document in his hand and said, "It's probably less than 170,000."

This number made the husband and wife silent for an instant, they were equal to 90,000 more, and they were still a little tight every month.

After a while, the shopkeeper whispered, "It's too much, we only borrowed more than 80,000, which must be more than the bank!"

"But the bank won't allow you to borrow for twenty years, sir, if you don't have the money after five years, they will take your house and drive you out."

"And we can provide an extremely long repayment period of 20 years, 80,000 yuan, 20 years, and spread evenly to only more than 10 yuan a day."

"This business is not a loss."

"If you don't choose, the court will enforce it. They will entrust the bank to auction your house, and your ending will be the same."

There was another long silence, but this was indeed beyond the couple's cognition. I borrowed 80,000 and had to pay back 170,000, which is too much.

"Do you have any children?" the legal officer asked suddenly, which brought both of them back to their senses.

"Yes, we have children."

"Have you gone to high school?"

The owner is very honest now, because he owes a large sum of money, and the creditor’s representative is in front of him, “No, I’m still in elementary school.”

The lawyer asked with a smile, "Are you planning to go to college?"

The couple nodded, and the wife said, "Yes, if his studies support him, we will send him to college."

"It seems that he needs a good environment, living environment, family environment, learning environment..."

This seemingly unrelated sentence seemed to have a terrifying power. The male host's face was ugly. He pursed his mouth, and after looking at his wife for a while, he said the sentence heavily.

"I accept your terms."

Yes, as the commissioner said, the bank does not allow you to borrow for that long. If you don’t borrow money from here, they will eventually lose their house.

Then they can only move to chaotic places, because those dirty and messy community houses are cheap.

There are gambling ghosts, female daughters, gang members, thieves, and villains, and their children can only go to cheap public schools, which are also full of these people and crimes.

For the children, they have to make choices.

"I'm glad you made the right choice. You don't have to be too pessimistic. I have some plans here that can save you some money..."

Then he took out some documents to expand, the above is still the counter problem, but no longer pay any counter fees at all times.

At the same time, they asked the shopkeeper and his wife to wear work clothes that were issued to them all the time in the shop, with advertisements all the time.

They also recommend cigarettes every moment for every customer who comes to buy cigarettes——

"If they buy our cigarettes, they don't need to recommend it." The legal officer smiled. "With the decoration of the door, starting from the sixth year, you can pay off one hundred yuan less per month."

This is not a difficult account. In the end, they can pay back more than 10,000 yuan.

If these words are said before they have made a decision, they will not be as moved as they are now, and there will be no more persuasion. They have reached their intention and agreed to sign a formal contract the next day.

As collateral, it is still the house, but the conditions are very loose. If they don't have the money for three months, they will respond every moment.

Look, this is the kindness and generosity of Mr. Lynch!

What a **** kindness!

But not everyone likes the kind suggestions made by such a kind person.

"Some people have rejected the agreement we provided, Mr. Lynch..."

The next morning, sitting in the office, the head of the legal department continued to discuss the matter, "They are willing to sell the house and are unwilling to accept our agreement."

Lynch smiled indifferently, "This is their right. We can't interfere with other people's choices. The charter gives them the right to choose freely. We need to respect them."

"I remember that after the trial results come out, there is a deadline for execution, right?"

The head of the Legal Department nodded, "Yes, they have two weeks as a buffer. If the results of the trial cannot be fulfilled within two weeks, they must file a request for delayed performance to the court."

"Does the request get support every time?"

The head of the legal department shook his head, "If we insist on fulfilling it, the court will support our appeal to the greatest extent, because we are the plaintiff and the victim."

Lynch was quite satisfied with the legal professionalism of the head of the legal department. He picked up a pen and pointed at the head of the legal department, "arrange people to stare, and not give them the opportunity to apply for postponement."

The head of the legal department knew Lynch's thoughts as soon as they turned their eyes. If they didn't pay the money within the deadline, and refused to postpone it every moment, then they had to go through the procedures.

They will entrust the bank to auction the real estate of these people to collect money. It is not surprising that a third-party bank auction will sell any price.

One hundred thousand yuan worth of things went in, and fifty thousand yuan worth of auctions was already a very conscientious result.

"I know how to do it."

During dinner with Catherine in the evening, Catherine also talked about this issue.

"Many people say that you are sucking blood..." She will soon return to Curryland to submit her internship report, and then the school will write an evaluation for her.

These don't seem important, but they are actually very important. You don't know when someone will turn these files out. Pointing at those comments makes people embarrassed or happy.

For this meal, she will go home early tomorrow morning.

While manipulating his knife and fork, Lynch replied, "I always believe in one thing. If you make a mistake, you will take responsibility. Avoidance is not the way."

"Even if you can't afford it, you have to stand up and do it!"

In his previous life, he didn't even appeal when he was locked in a small room. He knew that the moment he was held on his shoulder was actually determined by the end, and the rest was just a form and a process~www. lightnovelpub.net~ He is responsible for the mistakes he made, so he hopes that others will do the same. Someone hurts him and he is unwilling to do that. He will let those people understand that the cost of avoiding is often more serious than bearing.

The girl's smile was a little melancholy. Although she and Lynch had few days together, but inexplicably felt a kind of closeness, because she knew that Lynch was also in this city.

I am leaving now, a touch of melancholy and sentimental lingering around her.

Lynch is sometimes romantic, and sometimes very good at breaking the atmosphere.

"What do you think of education reform?"

"Huh?" Catherine didn't react for a while, education reform, what to reform?

Lynch picked up the napkin at hand and stained the grease on his lips, and took a sip from the wine glass. "Education, reform, you know, the current education system is a failure, and that's why we didn't go to university!"

"It should almost evolve to the next stage..."