blackstone code

Chapter 972 A Paragraph
The federal loan interest rate is 5.00% point seven, and it fluctuates hugely. After all, all walks of life are developing now and all need money.

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

Now it is 5.00% point seven, maybe it will increase or decrease later, this is very normal.

The deposit interest rate is less than [-]%, about [-]. It is not a very cost-effective thing to deposit money in the bank now, and it can't even beat inflation.

This may also be the reason why federal people don't like saving. They would rather spend their money than put it in the bank to deal with sudden problems.

"How much is your monthly profitability?" The legal commissioner took out a piece of paper and began to calculate.

The shopkeeper thought for a while, then said hesitantly, "About 900 yuan to more than 1000 yuan, not too much."

The legal commissioner whistled, "This income is not too small in Bu Paine."

The "Minimum Hourly Wage Law" does not have a "guidance" meaning. In other words, it is just a lower limit and an interpretation.

The local minimum hourly wage in Bupain is close to 300 yuan, but most people can get more than 300 yuan, about three hundred and forty-five, three hundred and seventy-eight.

The wages of practitioners in other industries are higher, and only more than 400 yuan is in place. Only financial practitioners, lawyers, and dentists have higher salaries, but this is also divided.

Some people are not paid as high as the wages of ordinary workers, but some people have already broken through the ceiling of the word salary.

About 1000 yuan is really not a small amount.

Also, he lied.

In fact, his store can provide him with a profit of 500 yuan per month. He doesn't want to say so much, but just wants to keep a little bit of cards for himself.

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

The shopkeeper asked a little anxiously, "If it's five years, how much will I pay back every month?"

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

"About 800 yuan." The legal commissioner put down his pen and wrote some calculation formulas.

The husband and wife looked at each other, and the shopkeeper shook his head, "Too many."

The legal commissioner very kindly reminded, "If it goes on in the future, 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 up to five years, 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 owner thought seriously, "About... 500 yuan?"

The legal commissioner quickly calculated a similar result, "If you can accept the 20-year repayment period, you only need to pay us 650 yuan per month."

650 yuan, although it is still a lot, but it is not impossible to survive, and 20 years.

The owner's wife was a little alert, "Then how much do we have to pay in total?"

The legal commissioner looked at the documents in his hand, "Probably less than 17."

This number made the husband and wife silent for a moment. They need to pay back [-] more, and they are still a little tight every month.

After a while, the shopkeeper said in a low voice, "It's too much. We only borrowed more than 8 yuan, which must be more than what the bank asks for!"

"But the bank won't allow you to borrow for 20 years, sir. After five years, if you don't pay the money, they will take your house and drive you out."

"And we can provide a 20-year super-long repayment period, 8 yuan, 20 years, and the average amount is only more than ten yuan per day."

"This business is not a loss."

"If you don't choose, the court will also 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 understanding. It was too much to borrow 17 yuan and have to pay back [-] yuan.

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

"Yes, we have children."

"Are you in middle school?"

The shop owner is very honest now, because he owes a lot of money, and the representative of the creditor is in front of him, "No, he is still in elementary school."

The legal commissioner asked with a smile, "Going to college?"

Both husband and wife nodded, and the wife said, "Yes, we'd send him to college if his studies supported that."

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

This seemingly irrelevant sentence seems to have a terrible power. The male host's face is ugly, he pursed his lips, and after looking at his wife for a while, he said that sentence heavily.

"I accept your terms."

Yes, like the commissioner said, the banks won't allow you to borrow for that long, and if you don't borrow money from here, they will eventually lose their house.

Then they can only move to messy places, because houses in dirty neighborhoods are cheap.

It's filled with gamblers, prostitutes, gang members, thieves, thugs, and their kids go to cheap public schools, and it's full of those, and crime.

For their 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 and unfolded them. It was still about the counter problem, but he would not pay any counter fees at all times.

At the same time, they require the shop owner and his wife to wear the work clothes issued to them every moment in the store, with the advertisement of every moment on it.

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

"If they buy our cigarettes, there is no need to recommend them." The legal commissioner smiled, "With the decoration of the door, starting from the sixth year, you can pay back 100 yuan less every month."

This is not a difficult account, and in the end they were able to pay back more than 1 yuan less.

If these words were said before they made a decision, they would not be as moved as they are now, and they would not even be persuaded more. They reached an agreement and made an appointment to sign a formal contract the next day.

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

Look, such is the kindness and generosity of Mr. Lynch!
So fucking kind!

But the kind suggestion made by such a kind person is not liked by everyone.

"There are others who have rejected our offer, Mr. Lynch..."

The next morning, sitting in the office, the head of the legal department continued to discuss the matter, "They would rather sell the house than accept our agreement."

Lynch smiled indifferently, "This is their right. We cannot 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 came out, there was a deadline for execution?"

The head of the legal department nodded, "Yes, they have two weeks as a buffer. If they cannot fulfill the results of the trial within two weeks, they must file a request to the court for a delay in fulfillment."

"Do requests get support every time?"

The head of the legal department shook his head, "If we insist on fulfillment, the court will support our request to a large 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 his pen and pointed at the head of the legal department, "Arrange people to watch over them, and don't give them a chance to apply for a postponement."

The director of the legal department knew Lynch's thoughts as soon as he rolled his eyes. If they didn't pay the money within the deadline and refused to postpone it every moment, then they could only follow the procedure.

They will entrust the bank to auction the real estate of these people to raise money, and it is not surprising that the third-party bank auctions any price.

It is a very conscientious result to get 10 yuan for something worth 5 yuan.

"I know how to do it."

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

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

These seem unimportant, but they are actually very important. You don't know when someone will dig out these documents and point to those comments to make people embarrassed or happy.

After eating this meal, she will go back early tomorrow morning.

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

"Even if you can't afford it, you have to 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 pinned by someone's shoulders, the ending had already been decided, and the rest was just a formality, a process.

He is responsible for the mistakes he has made, so he hopes that others will do the same. He is unwilling to do that when someone hurts him. He will let those people understand that the price of avoiding is often more serious than bearing.

There was some melancholy behind the girl's smile. Although she and Lynch spent relatively few days together, she inexplicably felt a kind of closeness, because she knew that Lynch was also in this city.

Now that she is leaving, a touch of melancholy and sentimentality lingers around her.

Lynch is romantic at times and good at breaking the mood at other times.

"What do you think about education reform?"

"Ah?", Catherine didn't realize it for a while, education reform, reform what?
Lynch picked up the napkin at hand and wiped off the grease stains on his lips. He took a sip from his wine glass, "Education, reform, you know, the current education system is a failure, and that's why we didn't go to college!"

"It's almost time to evolve to the next stage..."

(End of this chapter)