Normally, it is most reliable to make a loan contract like this in triplicate, one for the person who lent the money, one for the person who owes the money, and the last one for the introducer.
This introducer usually has a good relationship with both the person borrowing money and the person being borrowed money, and is a bridge-builder.
After all, no one can just lend money to someone they don't know.
However, this introducer also has another identity—the guarantor!
If the person who borrowed the money suddenly disappears or has some other excuse not to pay back the money, then they will have to find you as the "guarantor"!
Therefore, the existence of this "guarantor" is also risky.
Especially for a middleman like Mo Ming, who got a contract. If you didn't get the contract before, it's better to say that the person who borrowed the money ran away. If you have nothing to do, you can just let it go.
But once you get this contract, it means something else. If you want to stay out of it, it may not be that easy.
How to say this...
In fact, there seems to be nothing wrong with this matter on the surface. After all, he is a child of the family. Although he is not very young, his mind is much more delicate than ordinary children of the family, and his consideration of issues is relatively comprehensive. ,
Compared with those around them, they feel that they are still inexplicably more friendly.
That’s not to say that Mo Mingduo is trustworthy, mainly because there are so many people here now, and they all know Mo Ming!
Although there are nearly a hundred and ten people here who are apparently here to apologize to Mo Ming, in fact everyone has their own thoughts and no one knows anyone else.
Especially after two rounds of "loaning turmoil", these people here are no longer as harmonious as before. When they first came here, everyone was focused on one thing, but now, everyone is thinking about how to ensure themselves. Benefit.
Not to mention those who borrowed money, at least in the eyes of these wealthy people, Mo Ming was already on a united front with them.
After all, if it weren't for Mo Ming, they wouldn't be able to get so much debt today.
Although according to Mo Ming's method, all these arrears cannot be paid into the account at once, but as long as this document is signed today, these arrears will be real property in his name.
Compared with the "borrower", the "borrowed person" trusts the "intermediary guarantor" more.
This is a psychological effect. When people face a choice, they will instinctively choose to stay close to someone they are familiar with...
However, this matter is all the simple thoughts of these family members, and it doesn't matter.
He said: Even if they are not willing to pay back the money, will you come to me
Haha, just for this matter, after today, you still want to find me
Okay, give me the money!
Wocao, you can say anything if you give me money!
Don't tell me that you are looking for someone to chase the money for you. If you just want to beat up the person who owes you money, I will beat him up for you!
But if you have no money, haha...
Don't look at me signing this piece of paper today. If any of you dare to bother me blindly in the future, I'll see if I don't slap you to death!
This thing seems a bit shameless, but in fact, that's what Mo Ming thinks.
Even if these Yan family children were tricked to death, Mo Ming's heart would not waver at all. In his words, that is:
You guys didn’t give me any money, so why should I guarantee you
Mo Ming just took a brief look at these contracts. As for the interest, most people keep it at 10%, and some charge 20% interest. There are no ones that charge 30% or above.
After all, the 30% interest rate is too high. It is almost equivalent to paying an extra one-third of the money, which is beyond the bottom line of those people.
In fact, when it comes to interest, Mo Ming has indeed cheated these people.
Installment repayment, an advanced repayment method, first became popular in Heaven, and was initially tied to online shopping.
For example, if you want to buy something but are not willing to spend so much money, or you just don’t have that much money in your card, you can choose this installment payment and repay the money monthly. In this way, you can pay back dozens or hundreds of dollars a month. People don't feel bad.
Of course, there is interest in this, but that interest is different from today's interest.
One percent interest is 10% of the total amount owed, 20% interest is 20% of the total amount owed, and 30% interest is 30% of the total amount owed.
If the interest rate of 10% or 20% is only one or two hundred taels of silver, or two or three hundred taels of silver and it doesn't show much, it can be dealt with by the children of these families.
After all, they are all children of the family. Even if there are family rules and regulations, they still make some money... It can't be said to be making money, just a way to get money!
Twenty or thirty taels of silver at 10% interest is not too difficult for them.
However, if the debt is too much, such as six to seven hundred taels, or one thousand eight hundred taels of silver, then even 10% of the interest will be a bit scary.
Therefore, in Tianjie, small borrowings like this will never have such high interest rates. One is because there are many ways to repay in installments. If the plan you provide does not work, then I can exchange it for someone else's. The other plan is that the top management is strict and suppresses this area. It is allowed to profit from it, but it cannot go too far and cannot touch the bottom line.
However, Mo Ming didn't bother to tell them about this matter. Anyway, he just said it casually at the beginning, just to give an example. He said "10% interest" and "20% interest". He also didn't expect that these "interests" A "money man" can be so ruthless, yet he just goes along with the flow...
In fact, the development of this matter was a bit unexpected. Originally, his intention was to let these rich people take advantage of it, appease their narrow minds, and satisfy their greed. Come on, who knew these people were so clueless.
Mo Ming didn't know how many people there were here, but he estimated that there must be close to a hundred or ten people.
Rounding up the whole number, based on one hundred people, assuming that there are fifty people here who have borrowed money, and each person has borrowed two hundred taels of silver, how much is this
That’s ten thousand taels of silver!
For the convenience of calculation, all calculations are based on 10% interest. How much is it for me
That’s one thousand taels of silver!
This is not a small amount of money...
To be honest, Mo Ming came to this mortal world with nothing but nothing. If he wanted to get some money, he had to ask his mother for it.
In the past, my mother would let him do everything, but after today, she will probably have to be strict with him.
It's not easy to find a cheap sister, but she still acts so aloof.
Mo Ming could imagine what kind of reply he would get if he asked that cold sister for money.
From this moment on, Mo Ming can only rely on himself for anything!