" Second Brother…" Fang Xin 'er looked up at Fang Yun as if she had something to say.
" Shh…" Fang Yun immediately made a shushing gesture at her.
"Second Brother, I know. I won't say anything.”Xin-er immediately said.
Fang Yun smiled and stroked her pigtails. She was so cute. He wondered what she knew.
……
The next day.
Around noon, Fang De arrived with Wang Jinya.
Seeing this, Fang Yun hurriedly followed him into the room.
"The scholar said that you urgently need a sum of money. I just received a sum of money yesterday, so I came to listen to your instructions today.”
Wang Jinya was a fat man with a big belly. He was about 50 years old. When he entered the room, he bowed to Old Master Fang.
A loan shark with a smile on his face and a very humble attitude!
A smiling tiger!
Fang Yunxin wondered what kind of face he would have when he came to collect the debt.
Old Master Fang also politely invited Wang Jinya to sit on the brick bed.
"I've already heard about the situation from the Scholar Duke. I happen to have this number in my hands.”Wang Jinya laughed.
"Wang Jinya, this is also the first time I'm borrowing silver from you. Let me ask you first, how is the interest calculated?”Old Master Fang asked.
"That will depend on how long Brother Fang will be borrowing it. There are several kinds of deed certificates according to different situations.”
"I was originally from this village, and I'm from the same village. This is the first time that Brother Fang has asked me for a share of the profits. This is completely on account of our personal relationship.”
Wang Jinya smiled like a Maitreya Buddha." If it's more than a month, it'll be an accumulation of interest. This is the rule of the industry. I can't do anything about it. However, if Old Brother Fang borrowed it for a year, it would be a lamb's interest.”
Fang Yun was speechless.
Sitting on the ground? It was too dark!
For example, if he borrowed a hundred taels of silver, he would have to withdraw ten taels. It was a bit like a handling fee. He would only get ninety taels of silver, but after a month, the principal and interest would be calculated according to a hundred taels of silver.
Two percent interest meant that he could borrow 100 taels for a month, and he would have to pay back 120 taels the next month.
If it was late, then by the third month, the principal and interest would be calculated at 120 taels of silver, which would be 144 taels of silver.
And so on, it was like interest rolling like a snowball, rolling bigger and bigger.
The so-called lamb interest was to borrow a hundred taels of silver for a year, get ninety taels of silver, and return two hundred taels of silver when it was due.
Black, really f * cking black!
Fang Yun remembered that Papa Ma's treasure only earned a profit of 10% a year.
"Old Brother Fang, if someone else were to borrow so much silver, I would at most lend him a month, and I would have to have something as collateral. Old Brother Fang, you only need to say a word.”Wang Jinya said with a smile.
Fang Yun subconsciously looked at Grandfather Fang.
The old man looked at Fang De with an ugly expression." Boss, when do you think you can return the money?”
It was obvious that he had been a shopkeeper for decades. How could he not calculate the accounts? It would be strange if his expression was good.
"Father, after the autumn harvest, there should be news from Master Lu in October." I should be able to pay it back around the New Year, so I think I'll have to borrow it for a year.”
It was now August. If he borrowed five hundred taels of silver, there were still four months until the new year. He would have to pay back a thousand taels of silver. Therefore, it was more cost-effective to borrow for a year.
"What about three months?" Old Master Fang asked.
If he could stay for three months, he would only need to pay back 800 taels of silver, leaving him with 100 taels of silver.
"Father, three months is too hasty.”Fang De said.
When Old Master Fang heard Fang De's words, he did not say anything else. He just smoked his pipe.
Seeing this, Wang Jinya took out two copies of the deed.
"Scholar Fang's intention is to borrow six hundred taels at a time.”
Grandfather Fang glared at Fang De, obviously blaming him for acting on his own accord, but he still took the deed and looked at it carefully.
"Brother Fang, if there's no problem, we'll sign and the Scholar Duke will follow me back to the town to exchange for silver immediately.”Wang Jinya said.
"I've already seen the deed. Of course there's no problem.”Fang De hurriedly said.
Wang Jinya smiled and took out a box of ink from his sleeve, handing it to Fang De.
Fang De looked like he had seen a snake or scorpion. He subconsciously leaned back and pushed Wang Jinya's hand towards Old Master Fang.
When Fang Yun saw all of this, he immediately became vigilant.
Although Fang De was his uncle and a scholar, he was definitely not trustworthy.
If he waited for Fang De or Fang Yan to return the money, this matter would be very dangerous.
Damn it! What's going on with the second branch? Why hasn't he come yet?
By the time Old Master Fang signed, it would be too late.
Just as Fang Yun was hesitating if he should say something to delay the matter.
"Father, you can't sign it."
At this moment, the curtain was lifted and Fang Qin and Madam Xu walked in.
"What's wrong?" Old Master Fang's finger was already pressed into the ink box as he raised his head and said.
Fang Qin smiled." Father, since Yan 'er said she would pay back the money, I think it's better to let Yan' er sign the deed."”
Fang Yun raised his eyebrows and heaved a sigh of relief.
Fang Qin and Madam Xu wanted Fang Yan 'er to sign on the receipt. Old Master Fang and Fang De were both shocked.
"Second Brother, what are you talking about? Yan 'Er was a young lady, how could she let her sign? Father is the head of the family." Fang De hurriedly said.
"If Yan 'Er can't do it, then big brother will sign it. It's better to be safe than sorry. You guys make it sound good. If you can't pay the debt, you'll have to use the house and land to pay for it. You're letting your nephews starve.”
Fang Qin smiled and said," Besides, isn't this money used by your family? It's only natural for you to sign on the deed.”
"Big Brother, I know you love your daughter, but once Yan 'Er becomes the Young Mistress of the Lu family, who will she turn to for this debt if she turns hostile?”Madam Xu said.
Wang Jinya finally understood what was going on." This silver is what Miss Yan Er wants to borrow?”
"No!"
Madam Qian and Fang Yan 'Er were outside the door. When they heard this, they immediately walked in.
If Fang Qin were to continue speaking, he would probably leak out the news that First Master wanted to sell Xin 'er.
At that time, Fang Yan 'Er's reputation would be ruined.
"Second Uncle, let's talk things out. After all, we're family.”
Mrs. Qian and Fang Qin smiled apologetically." We agreed yesterday. What else do you have to worry about?"”
"Sister-in-law, you can't say that." Fang Qin grinned. There's no evidence. When the time comes, you'll be officials and young mistresses. It would be so unfair if we were left with a large family of dirt legs to carry your debts. Third brother, fourth brother, don't you think so?”
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