I calculated in my mind, according to Hu Mei's statement, the annual interest rate of this loan, about 180%, the state regulations, more than the annual interest rate of more than 36% is considered usury.
I certainly want to go through the formal channels to borrow money, but I also know that a poor I, the bank will not care.
"How much does it cost to get the goods in?"
"At least twenty to thirty thousand, but the other side less than one hundred thousand do not borrow."
Borrow 100,000, to hand 90,000, three months later to repay 130,000, this interest rate is really high.
I look at Hu Mei expression tangled, so I asked.
"What else, you finish in one breath."
"My friend said that the lender is a yin man, if the money is not paid back in three months, and other loan sharks interest rollover, he does not want the money ... want life! Every month late to pay back the money, will take away a year of the borrower's life."
I asked, puzzled.
"Undertaker?"
Hu Mei explained to me.
"Yin people are the kind of people who can deal with ghosts like Chen Tian, and in a strict sense, you are now also a Yin person."
"I know, you contact him!" .
Hu Mei was taken aback.
"You really want to borrow it?"
"Mmm!"
"Aren't you afraid you won't be able to pay it back?"
I replied seriously.
"Afraid! But without capital, we can't do business, and besides the tavern, I have to spend money elsewhere, and don't you forget, I promised those four ghosts that I would carve them into statues to pretend to be gods, just to buy the materials for carving statues, all cost a lot of money."
My look to the wine cooler.
"If we really can't pay, we'll sell the wine, 130,000 will definitely be enough, the landlord wrote in the letter, as long as we pay the rent on time, the tavern things, all belong to us."
Hu Mei nodded.
"OK! You're the boss, you call the shots."
She stretched out her small white hand and placed it in front of my face.
"What do you want?"
"Money! I have to have a cell phone to contact people!"
I gave the rest of the hundreds of dollars to Hu Mei.
Hu Mei spent four hundred dollars to buy two second-hand smartphones with scratched screens from the stall, and bought two cell phone cards from the stall owner.
Before calling her friend, I made a suggestion.
"Let's move the wine from the liquor cabinet to the back first."
The heart of the people can not be free, Yinxing people, the road is not correct, the character is likely to be incorrect, I am afraid that the other side see the money, be careful to watch out for.
There is an old saying, not afraid of thieves to steal, but afraid of thieves.
Hu Mei did not object, she helped me together to empty the wine cabinet before contacting the other side.
While waiting for someone to come, I saw Hu Mei's expression, some unnatural.
"You're scared?"
Hu Mei hmmm.
"The other party is a yin man after all, I have no cultivation at all now, in case he is like Chen Tian, plotting against me, I can't even run away."
"Don't be afraid, I have a solution."
I went back to the bedroom and found the kettle I brought from home, and just as I unscrewed the lid, four ghosts floated out.
The long-tongued female ghost asked me.
"Kid, isn't it time for you to fulfill your promise?"
I replied without changing my face.
"Not so fast, I have to get established before I can help you find guests."
The long-tongued female ghost was somewhat displeased.
"Don't go back on your word like Chen Tian, we're afraid of him, but not of you! Give us a time!"
I held out a finger.
"One month, one person."
See the long-tongued female ghost to speak again, I directly grabbed the words.
"Don't bargain, it can't get any faster or you'll just kill me."
The four ghosts looked at each other and seemed to have reached a consensus.
"OK, just as you say!"
I changed the subject.
"There will be a shady man at the door later, you guys hide in the tavern, if he wants to get into trouble, you have to help me."
The four ghosts didn't answer, but I knew that they would help me for their own sake.
Iron Crutch Zhang on the phone, with Hu Mei about the door at 12 midnight.
The street where the tavern is located is isolated, the stores close at ten o'clock, and only the dim streetlights, still lit.
As soon as twelve o'clock arrived, I suddenly heard a strange movement outside the door, straining my ears to hear what sounded like a dirge.
Hu Mei also heard, we both went out to take a look, only to see the end of the street, there are several blurred shadows, is slowly approaching.
Hu Mei was a little nervous.
"Why are there so many people here?"
But when the people came closer, I realized that the ones coming towards us were not people, but paper ties that can only be seen at funerals.
Four red-colored paper ties carry a red sedan chair, followed by six paper ties, two blowing suona, two playing erhu, and the remaining two clapping cymbals.
For the iron crutch Zhang, I envisioned several meeting scenarios, but never thought that his appearance, will be this kind of row.
"Chen Jiu, look at that palanquin, is it made of paper mache?"
I fixed my eyes, the sedan chair is really paper mache, this thing can sit on people? This iron crutch Zhang, it would not be a ghost, right?
The sound of mourning music gradually sounded, and the big red palanquin stopped in front of the tavern door.
The palanquin fell, a paper tie with a stiff pace, walked to the front of the palanquin, uncovered the curtain.
A black iron crutch, from the palanquin out, landing on the ground, iron crutch and green stone tiles collision, a bang sound, extraordinarily dull.
Immediately afterwards, a pale figure, stepped out of the palanquin.
This is an old man of at least seventy years old, who is hunched over, with his back bulging upward, as if he is carrying a large bag.
This old man is full of wrinkles, the left face has a big red date wart with several black hairs on it, and the right face is growing a black spot the size of a baby's palm, the face is extraordinarily ugly.
The old man's eyes are small, but very focused, he just stepped off the palanquin, his eyes fell on Hu Mei's body.
He stared at Hu Mei with impunity, as if he wanted to strip her naked with his eyes.
Hu Mei showed an expression of disgust, but she was out of cultivation and could only hold her tongue.
Seeing this scene, I walked up to Hu Mei and used my own body, isolating the old man's view.
The old man glared at me, a little displeased.
"Little doll, you have a lot of guts, dare to spoil my Iron Crutch Zhang's fun."
I didn't take his words and made an invitation gesture.
"Senior, let's go inside and talk."
Iron Crutch Zhang grunted, limped into the tavern with a crutch, he went straight to find a bench and sat down, leaned his crutch on the eight fairy table and crossed his legs.
"Say, who is it that wants to borrow money from the old man."
"It's me."
"So the old man's rules, you know?"
"Know that nine out of thirteen returns, three months to pay the bill, and one month per night to give you a year of life."
Iron Crutch Zhang smiled eerily.
"That was the original rule, and now I want to change it."
I frowned.
"How do you change it?"
Tie Kuan Zhang's eyes, once again fell on Hu Mei, eyes are undisguised greed.
"If you can't pay it back, let this fox demon sleep with me."