Chapter 972
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The federal loan interest rate is 5.7% and fluctuates greatly. After all, all walks of life are developing and need money.
Therefore, the interest rate of loans will fluctuate at any time, and sometimes there is a gap of more than 1.0%, which is very unstable.
Now it's 5.7%, maybe it will increase or decrease in the future, which is normal.
The deposit interest rate is less than 3%, about 2.8%. Now it is not very cost-effective to deposit money in the bank. It can't even beat inflation.
This may also be the reason why federals don't like deposits. They are willing to spend their money rather than put it in the bank to deal with sudden problems.
"How much 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 haltingly, "about 900 yuan to more than 1000 yuan, not too much."
The law Commissioner whistled, "this income is not small in bupayne."
The minimum hourly wage law does not have a "guiding" meaning. In other words, it is only a lower limit and an explanation.
The minimum hourly salary in buppen is close to 300 yuan, but most people can get more than 300 yuan, about 3450, 3780.
The salaries of practitioners in other industries are higher, that is, more than 400 yuan is in place. Only financial practitioners, lawyers and dentists have higher salaries, but this is also divided into people.
Some people are not paid as much as ordinary workers, but some people have long broken through the ceiling of the word salary.
About a thousand dollars, really not less.
And he lied.
In fact, his store can provide him with a profit of 13500 yuan a month. He doesn't want to say so much, but he just wants to reserve some cards for himself.
Soon, the legal officer calculated some data, and then he explained to the couple, "I recommend you choose five-year repayment, which will be lower than the interest rate of bank loan!"
The shopkeeper asked nervously, "how much do I have to pay back every month if it takes five years?"
He had completely forgotten other things and began to seriously consider paying back the money.
"About eighteen hundred dollars." the law Commissioner put down his pen and wrote some calculation formulas.
The couple looked at each other, and the shopkeeper shook his head, "too much."
The legal Commissioner kindly reminded, "if you go back, the handling fee will increase step by step every year, which 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."
"How much is your psychological reserve price and how much can you take out in a month?"
The shopkeeper thought seriously, "about four or five hundred dollars?"
The law Commissioner quickly calculated a result that was not much different. "If you can accept the repayment period of 20 years, you only need to pay us 650 yuan a month."
Six hundred and fifty dollars, although still a lot, but it's not impossible to bite your teeth, and it's twenty years.
The shopkeeper's wife was a little astute. "How much do we have to pay back?"
The law Commissioner looked at the document in his hand, "about 170000 less."
This figure makes the couple silent for a moment. They need to pay 90000 more, and they are still a little tight every month.
After a while, the shopkeeper whispered, "too much. We only borrowed more than 80000, which must be more than the bank!"
"But the bank won't allow you to borrow for twenty years, sir. If you don't pay back in five years, they will take your house and drive you out."
"We can provide a super long repayment period of 20 years, 80000 yuan, 20 years, which can be shared equally to 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. Your outcome is the same."
It was a long silence, but it was beyond the couple's understanding. It was too much to borrow 80000 and pay 170000 back.
"Do you have any children?", the law Commissioner suddenly asked, which made both of them come to their senses.
"Yes, we have children."
"Did you go to middle school?"
The shopkeeper is very honest now, because he owes a lot of money. In front of him is the representative of the creditor, "no, he's still in primary school."
The law Commissioner smiled and asked, "are you going to college?"
The couple nodded, and the wife said, "yes, if his study supports him to do that, we will send him to college."
"It seems that he needs a good environment, living environment, family environment and learning environment..."
The seemingly irrelevant words seemed to have a terrible power. The man's face was ugly. He pursed his mouth and said the words heavily after looking at his wife for a moment.
"I accept your terms."
Yes, as the Commissioner said, the bank doesn't allow you to borrow so 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 community houses are cheap.
There are gamblers, women, gang members, thieves and villains. Then their children can only go to cheap public schools, which are also full of these people and crimes.
They have to make a choice for their children.
"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 expenses..."
Then he took out some documents to expand. What he said above is still the problem of the counter, but he will not pay any counter fees at any time.
At the same time, they asked the shopkeeper and his wife to wear the work clothes issued to them all the time, with advertisements all the time.
They also recommend cigarettes every moment for every guest who comes to buy cigarettes——
"If they buy our cigarettes, they don't need to recommend them.", the legal Commissioner smiled. "With the decoration of the door, there is a deadline for execution after" I remember the outcome of the trial, right? "
The head of the legal department nodded, "yes, they have two weeks as a buffer. If they can't perform the trial results within two weeks, they must file a request for delay to the court."
"Will the request be supported every time?"
The head of the legal department shook his head, "if we insist on performance, the court will support our appeal to a great 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 took up his pen and pointed to the head of the legal department, "arrange people to watch and don't give them the opportunity to apply for postponement."
The head of the legal department knew Lynch's idea as soon as he turned his eyes. If they didn't pay back the money within the deadline and refused to postpone it all the time, they had to go through the procedure.
They will entrust banks to auction these people's real estate to raise money. It's not surprising that third-party banks auction any price.
It's a very conscientious result to shoot 50000 yuan for 100000 yuan.
"I know what to do."
Catherine also talked about this problem at dinner with Catherine in the evening.
"Many people say you are sucking blood..." she will soon go back to kurilan to submit her internship report, and then the school will write an evaluation for her.
These don't seem important, but they are very important. You don't know when someone will turn out these documents and point to those comments, which are embarrassing or happy.
After dinner, she will go back early tomorrow morning.
While manipulating the knife and fork, Lynch replied, "I always believe in one thing. If I make a mistake, I have to take responsibility. Escape is not the way."
"Even if you can't afford it, you have to do it!"
In his last life, he didn't even appeal when he was locked in a small room. When he knew that he was pressed on his shoulder, the outcome had been determined, and the rest was just a form and a process.
He is responsible for his mistakes, so he hopes others are the same. If someone hurts him and he is not willing to do so, 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 spent less time with Lynch, she inexplicably felt a kind of closeness because she knew Lynch was also in the city.
Now I have to go. A touch of melancholy and sadness lingered around her.
Lynch is sometimes very romantic and sometimes very good at breaking the atmosphere.
"What do you think of education reform?"
"Ah?", Catherine didn't react for a while. Educational reform, reform what?
Lynch picked up the napkin at hand, stained the oil stains on his lips, took a sip from the glass, "education, reform, you know, the current education system is a failure, which is why we didn't go to college!"
"It should almost evolve to the next stage..."
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The federal loan interest rate is 5.7% and fluctuates greatly. After all, all walks of life are developing and need money.
Therefore, the interest rate of loans will fluctuate at any time, and sometimes there is a gap of more than 1.0%, which is very unstable.
Now it's 5.7%, maybe it will increase or decrease in the future, which is normal.
The deposit interest rate is less than 3%, about 2.8%. Now it is not very cost-effective to deposit money in the bank. It can't even beat inflation.
This may also be the reason why federals don't like deposits. They are willing to spend their money rather than put it in the bank to deal with sudden problems.
"How much 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 haltingly, "about 900 yuan to more than 1000 yuan, not too much."
The law Commissioner whistled, "this income is not small in bupayne."
The minimum hourly wage law does not have a "guiding" meaning. In other words, it is only a lower limit and an explanation.
The minimum hourly salary in buppen is close to 300 yuan, but most people can get more than 300 yuan, about 3450, 3780.
The salaries of practitioners in other industries are higher, that is, more than 400 yuan is in place. Only financial practitioners, lawyers and dentists have higher salaries, but this is also divided into people.
Some people are not paid as much as ordinary workers, but some people have long broken through the ceiling of the word salary.
About a thousand dollars, really not less.
And he lied.
In fact, his store can provide him with a profit of 13500 yuan a month. He doesn't want to say so much, but he just wants to reserve some cards for himself.
Soon, the legal officer calculated some data, and then he explained to the couple, "I recommend you choose five-year repayment, which will be lower than the interest rate of bank loan!"
The shopkeeper asked nervously, "how much do I have to pay back every month if it takes five years?"
He had completely forgotten other things and began to seriously consider paying back the money.
"About eighteen hundred dollars." the law Commissioner put down his pen and wrote some calculation formulas.
The couple looked at each other, and the shopkeeper shook his head, "too much."
The legal Commissioner kindly reminded, "if you go back, the handling fee will increase step by step every year, which 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."
"How much is your psychological reserve price and how much can you take out in a month?"
The shopkeeper thought seriously, "about four or five hundred dollars?"
The law Commissioner quickly calculated a result that was not much different. "If you can accept the repayment period of 20 years, you only need to pay us 650 yuan a month."
Six hundred and fifty dollars, although still a lot, but it's not impossible to bite your teeth, and it's twenty years.
The shopkeeper's wife was a little astute. "How much do we have to pay back?"
The law Commissioner looked at the document in his hand, "about 170000 less."
This figure makes the couple silent for a moment. They need to pay 90000 more, and they are still a little tight every month.
After a while, the shopkeeper whispered, "too much. We only borrowed more than 80000, which must be more than the bank!"
"But the bank won't allow you to borrow for twenty years, sir. If you don't pay back in five years, they will take your house and drive you out."
"We can provide a super long repayment period of 20 years, 80000 yuan, 20 years, which can be shared equally to 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. Your outcome is the same."
It was a long silence, but it was beyond the couple's understanding. It was too much to borrow 80000 and pay 170000 back.
"Do you have any children?", the law Commissioner suddenly asked, which made both of them come to their senses.
"Yes, we have children."
"Did you go to middle school?"
The shopkeeper is very honest now, because he owes a lot of money. In front of him is the representative of the creditor, "no, he's still in primary school."
The law Commissioner smiled and asked, "are you going to college?"
The couple nodded, and the wife said, "yes, if his study supports him to do that, we will send him to college."
"It seems that he needs a good environment, living environment, family environment and learning environment..."
The seemingly irrelevant words seemed to have a terrible power. The man's face was ugly. He pursed his mouth and said the words heavily after looking at his wife for a moment.
"I accept your terms."
Yes, as the Commissioner said, the bank doesn't allow you to borrow so 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 community houses are cheap.
There are gamblers, women, gang members, thieves and villains. Then their children can only go to cheap public schools, which are also full of these people and crimes.
They have to make a choice for their children.
"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 expenses..."
Then he took out some documents to expand. What he said above is still the problem of the counter, but he will not pay any counter fees at any time.
At the same time, they asked the shopkeeper and his wife to wear the work clothes issued to them all the time, with advertisements all the time.
They also recommend cigarettes every moment for every guest who comes to buy cigarettes——
"If they buy our cigarettes, they don't need to recommend them.", the legal Commissioner smiled. "With the decoration of the door, there is a deadline for execution after" I remember the outcome of the trial, right? "
The head of the legal department nodded, "yes, they have two weeks as a buffer. If they can't perform the trial results within two weeks, they must file a request for delay to the court."
"Will the request be supported every time?"
The head of the legal department shook his head, "if we insist on performance, the court will support our appeal to a great 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 took up his pen and pointed to the head of the legal department, "arrange people to watch and don't give them the opportunity to apply for postponement."
The head of the legal department knew Lynch's idea as soon as he turned his eyes. If they didn't pay back the money within the deadline and refused to postpone it all the time, they had to go through the procedure.
They will entrust banks to auction these people's real estate to raise money. It's not surprising that third-party banks auction any price.
It's a very conscientious result to shoot 50000 yuan for 100000 yuan.
"I know what to do."
Catherine also talked about this problem at dinner with Catherine in the evening.
"Many people say you are sucking blood..." she will soon go back to kurilan to submit her internship report, and then the school will write an evaluation for her.
These don't seem important, but they are very important. You don't know when someone will turn out these documents and point to those comments, which are embarrassing or happy.
After dinner, she will go back early tomorrow morning.
While manipulating the knife and fork, Lynch replied, "I always believe in one thing. If I make a mistake, I have to take responsibility. Escape is not the way."
"Even if you can't afford it, you have to do it!"
In his last life, he didn't even appeal when he was locked in a small room. When he knew that he was pressed on his shoulder, the outcome had been determined, and the rest was just a form and a process.
He is responsible for his mistakes, so he hopes others are the same. If someone hurts him and he is not willing to do so, 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 spent less time with Lynch, she inexplicably felt a kind of closeness because she knew Lynch was also in the city.
Now I have to go. A touch of melancholy and sadness lingered around her.
Lynch is sometimes very romantic and sometimes very good at breaking the atmosphere.
"What do you think of education reform?"
"Ah?", Catherine didn't react for a while. Educational reform, reform what?
Lynch picked up the napkin at hand, stained the oil stains on his lips, took a sip from the glass, "education, reform, you know, the current education system is a failure, which is why we didn't go to college!"
"It should almost evolve to the next stage..."
The federal loan interest rate is 5.7% and fluctuates greatly. After all, all walks of life are developing and need money.Therefore, the interest rate of loans will fluctuate at any time, and sometimes there is a gap of more than 1.0%, which is very unstable.Now it's 5.7%, maybe it will increase or decrease in the future, which is normal.The deposit interest rate is less than 3%, about 2.8%. Now it is not very cost-effective to deposit money in the bank. It can't even beat inflation.This may also be the reason why federals don't like deposits. They are willing to spend their money rather than put it in the bank to deal with sudden problems."How much 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 haltingly, "about 900 yuan to more than 1000 yuan, not too much."The law Commissioner whistled, "this income is not small in bupayne."The minimum hourly wage law does not have a "guiding" meaning. In other words, it is only a lower limit and an explanation.The minimum hourly salary in buppen is close to 300 yuan, but most people can get more than 300 yuan, about 3450, 3780.The salaries of practitioners in other industries are higher, that is, more than 400 yuan is in place. Only financial practitioners, lawyers and dentists have higher salaries, but this is also divided into people.Some people are not paid as much as ordinary workers, but some people have long broken through the ceiling of the word salary.About a thousand dollars, really not less.And he lied.In fact, his store can provide him with a profit of 13500 yuan a month. He doesn't want to say so much, but he just wants to reserve some cards for himself.Soon, the legal officer calculated some data, and then he explained to the couple, "I recommend you choose five-year repayment, which will be lower than the interest rate of bank loan!"The shopkeeper asked nervously, "how much do I have to pay back every month if it takes five years?"He had completely forgotten other things and began to seriously consider paying back the money."About eighteen hundred dollars." the law Commissioner put down his pen and wrote some calculation formulas.The couple looked at each other, and the shopkeeper shook his head, "too much."The legal Commissioner kindly reminded, "if you go back, the handling fee will increase step by step every year, which 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.""How much is your psychological reserve price and how much can you take out in a month?"The shopkeeper thought seriously, "about four or five hundred dollars?"The law Commissioner quickly calculated a result that was not much different. "If you can accept the repayment period of 20 years, you only need to pay us 650 yuan a month."Six hundred and fifty dollars, although still a lot, but it's not impossible to bite your teeth, and it's twenty years.The shopkeeper's wife was a little astute. "How much do we have to pay back?"The law Commissioner looked at the document in his hand, "about 170000 less."This figure makes the couple silent for a moment. They need to pay 90000 more, and they are still a little tight every month.After a while, the shopkeeper whispered, "too much. We only borrowed more than 80000, which must be more than the bank!""But the bank won't allow you to borrow for twenty years, sir. If you don't pay back in five years, they will take your house and drive you out.""We can provide a super long repayment period of 20 years, 80000 yuan, 20 years, which can be shared equally to 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. Your outcome is the same."It was a long silence, but it was beyond the couple's understanding. It was too much to borrow 80000 and pay 170000 back."Do you have any children?", the law Commissioner suddenly asked, which made both of them come to their senses."Yes, we have children.""Did you go to middle school?"The shopkeeper is very honest now, because he owes a lot of money. In front of him is the representative of the creditor, "no, he's still in primary school."The law Commissioner smiled and asked, "are you going to college?"The couple nodded, and the wife said, "yes, if his study supports him to do that, we will send him to college.""It seems that he needs a good environment, living environment, family environment and learning environment..."The seemingly irrelevant words seemed to have a terrible power. The man's face was ugly. He pursed his mouth and said the words heavily after looking at his wife for a moment."I accept your terms."Yes, as the Commissioner said, the bank doesn't allow you to borrow so 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 community houses are cheap.There are gamblers, women, gang members, thieves and villains. Then their children can only go to cheap public schools, which are also full of these people and crimes.They have to make a choice for their children."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 expenses..."Then he took out some documents to expand. What he said above is still the problem of the counter, but he will not pay any counter fees at any time.At the same time, they asked the shopkeeper and his wife to wear the work clothes issued to them all the time, with advertisements all the time.They also recommend cigarettes every moment for every guest who comes to buy cigarettes"If they buy our cigarettes, they don't need to recommend them.", the legal Commissioner smiled. "With the decoration of the door, there is a deadline for execution after" I remember the outcome of the trial, right? "The head of the legal department nodded, "yes, they have two weeks as a buffer. If they can't perform the trial results within two weeks, they must file a request for delay to the court.""Will the request be supported every time?"The head of the legal department shook his head, "if we insist on performance, the court will support our appeal to a great 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 took up his pen and pointed to the head of the legal department, "arrange people to watch and don't give them the opportunity to apply for postponement."The head of the legal department knew Lynch's idea as soon as he turned his eyes. If they didn't pay back the money within the deadline and refused to postpone it all the time, they had to go through the procedure.They will entrust banks to auction these people's real estate to raise money. It's not surprising that third-party banks auction any price.It's a very conscientious result to shoot 50000 yuan for 100000 yuan."I know what to do."Catherine also talked about this problem at dinner with Catherine in the evening."Many people say you are sucking blood..." she will soon go back to kurilan to submit her internship report, and then the school will write an evaluation for her.These don't seem important, but they are very important. You don't know when someone will turn out these documents and point to those comments, which are embarrassing or happy.After dinner, she will go back early tomorrow morning.While manipulating the knife and fork, Lynch replied, "I always believe in one thing. If I make a mistake, I have to take responsibility. Escape is not the way.""Even if you can't afford it, you have to do it!"In his last life, he didn't even appeal when he was locked in a small room. When he knew that he was pressed on his shoulder, the outcome had been determined, and the rest was just a form and a process.He is responsible for his mistakes, so he hopes others are the same. If someone hurts him and he is not willing to do so, 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 spent less time with Lynch, she inexplicably felt a kind of closeness because she knew Lynch was also in the city.Now I have to go. A touch of melancholy and sadness lingered around her.Lynch is sometimes very romantic and sometimes very good at breaking the atmosphere."What do you think of education reform?""Ah?", Catherine didn't react for a while. Educational reform, reform what?Lynch picked up the napkin at hand, stained the oil stains on his lips, took a sip from the glass, "education, reform, you know, the current education system is a failure, which is why we didn't go to college!""It should almost evolve to the next stage..."
