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Chapter 5 Usury—Contract

"Who else can take out so much money except Lao Jin?" Lian Shouren said disapprovingly. Ah Yu Yanqing

"That's a loan shark." Lian Shouli, who had been lowering his head and silently, said in surprise.

It turns out that Lao Jin gave usury loans! God, no matter what era the word usury is covered with blood and tears. Borrowing usury loans is simply a drinking poison to quench thirst.

If it is said that it is for money to help your life and there is no way to borrow usury, that would be fine. But now the reason why the Lian family wants to borrow usury is unacceptable to Lian Man'er.

"Dad, you usually say that you can't get involved in usury. You have also said that you have to listen to our brothers because of borrowing usury loans. "Lian Shouxin said, "We still have this family to support us. Dad, we can't borrow usury loans."

A person who is so honest as Lian Shouxin, being able to say such a firm word, gave Lian Man'er some new understanding of him.

Even the old man was calm and didn't say anything. He was unwilling to borrow usury, but...

Lian Shouren was afraid that the old man Lian would change his mind by what his two younger brothers said, and hurriedly said, "That's the family they can't afford to pay back. We are different. They just borrowed it for emergency treatment. When Huaer married into the Sun family, she would be able to pay back the money immediately. Huaer married into the Sun family and would be able to talk about decent marriages in the future. I will become an official again in the future, and I can also bring you a few of them. Be the master of the official family. What's the 500 taels of silver? Five thousand or fifty thousand are small amounts. Don't learn the small knowledge of the merchants, just look at the front of you and look far."

Lian Shouren said, stretching out an arm and gestured to the distant distance for a moment.

"Five hundred taels are a small amount for my brother, but our family sold the house and land, but we couldn't get five hundred taels of silver." Lian Shouli said.

Lian Man'er nodded. Lian Shouli was too polite. He should have asked Lian Shouren, since five hundred taels are a small amount, why didn't he take it out directly and he had to borrow usury.

"If you borrow this money, you will guarantee that the flowers will be paid back in the future?" Lian Shouyi asked. He didn't care about borrowing money, as long as he didn't have to pay it back.

"Grandma, grandma, second uncle, I promise to pay back the money." Lian Huaer said hurriedly.

"Then let's just borrow it. It's just a matter of two or three hundred more. Erlang also wants to talk about his wife." Lian Shouyi said.

"Shut up, second brother." Even the old man was so angry that he heard this. "Five hundred will be dead, and you will borrow two or three hundred more. Do you think the silver was blown by the strong wind."

Even Shouyi was not angry when he was scolded, and sat next to him with a smile.

"Dad, this money will be used tomorrow, and I have to go and talk to Lao Jin early." Lian Shouren said.

Old Master Lian sighed.

"Dad, I'm going to find Lao Jin now." Lian Shouren looked at Mr. Lian's face. Seeing that he had no objection, he hurriedly put on his shoes and got off the kang. When he went out, he went to the east end of the village to find Lao Jin.

Lian Huaer said she wanted to wash her face, so she got off the kang and went to the west room with Gu and Lian Duoer.

"Man'er, did you give you some noodles?" Zhang asked Lian Man'er.

Lian Man'er did feel hungry, so he nodded. Zhang carried Lian Man'er back to the west wing, quickly heated the dough and brought it to Lian Man'er.

"Man'er, eat slowly, and my mother still has to cook dinner." Zhang said, "Xiaoqi, your brother and your elder sister are going to help your mother cook, so you can stay with your second sister."

As Zhang spoke, he took Lian Jiawuro and Lian Zhier to the room to prepare for cooking.

Lian Man'er picked up the noodle bowl. Although the noodles were a bit rough and there was less oil, they still exuded a natural wheat aroma.

"Xiaoqi, you can eat with me." Lian Man'er took a bite and found Xiaoqi standing there looking at her, her big eyes flashing.

"Second sister, I'm not hungry." Lian Xiaoqi said, "I don't like to eat dough."

Lian Man'er looked at Lian Xiaoqi's obvious insincere appearance and found it a little funny.

"I can't eat so much. Let's eat together, I won't tell my mother." Lian Man'er said.

Lian Xiaoqi thought about it, but shook his head.

"Second sister, you are injured. You are cute and eat dough dumplings."

After Lian Xiaoqi finished speaking, he was afraid that Lian Man'er would let him eat dough again, and that he could not help but be greedy, so he hurried out.

After Lian Man'er finished eating the dough, she was thinking about the fact that the Lian family wanted to borrow usury, so she came out of the west wing.

"Second Sister." Lian Xiaoqi was squatting on the ground playing with stones, and hurriedly ran over, rubbed his hand on his pants, and grabbed Lian Man'er's hand, "Mom asked me to accompany you."

"Okay." Lian Man'er raised her head and saw He leaning against the door of the east wing opposite to eat melon seeds, spitting the melon seeds everywhere.

Lian Man'er thought about it and walked towards He.

"Second Sister." Lian Xiaoqi held Lian Man'er's hand. He was a stingy and unreasonable person. His second sister was usually afraid of He, so why did she take the initiative to get to He's side today?

"Second uncle." Lian Man'er walked to He's side. Because Lian Xiaoqi held her hand, she dragged it over.

He didn't even twitch his eyes and agreed casually.

"Why can't I understand what I said in my grandfather's house just now? After a while, my sister Huaer said she would pay it back." Lian Man'er saw that there was no one around, so she said to He.

"Who will return it if it's not her?" He said angrily, "It's what she did."

"But Sister Huaer married into the Sun family and was from the Sun family. Today, she wanted to borrow money, but the Lian family borrowed it. Then Sister Huaer left and lived in a big house, saying why did the Sun family pay back the money for the Lian family? Our house and land are here. If they want money, should they look for us or Sister Huaer?"

He's eyes rolled.

"The eldest uncle is good at coaxing people. She doesn't suffer any losses, but she always suffers." Lian Man'er said again.

"No, I really have to be careful of that little bitch turning his back on his face." He's face suddenly lengthened, he turned around and went into the room to pull Lian Shouyi out. The couple entered the east wing room and closed the door and spoke.

The purpose is achieved. When you act when you see the opportunity, you can't lose your place to settle down as soon as you arrive in this world. Moreover, even if you sell her, even the trustworthy couple is wrong, but the children have no say like her, and you can't watch them be sold or live on the streets to beg for food.

Mr. Lian, let me protect your real estate and real estate. Lian Man'er clenched her fists secretly.

"Second sister..." Lian Jiaqi looked up at Lian Man'er, as if he had something to say.

"Shh..." Lian Man'er immediately made a move to silence Xiaoqi.

"Second sister, I understand, I won't say it." Xiaoqi said immediately.

Lian Man'er looked at Xiaoqi carefully. The child was so crazy that he didn't know what he understood.

After about a cup of tea, Lian Shouren brought Lao Jin back.

Lian Man'er hurriedly entered the room.

"The scholar's husband said that the old brother wanted to borrow money, so I'll come and listen to the old brother's instructions." Lao Jin was wearing brown cocoon silk and was erected with a big belly. He seemed to be in his early fifties. He smiled and said to Mr. Lian when he entered the door.

The usury with a nice smile and a kind attitude! Lian Man'er thought to herself, I wonder if he still had this face when he was collecting debts.

Even the old man asked Lao Jin to sit on the kang.

"The scholar's husband said that the old brother was planning to borrow 500 taels of silver. It just happened that I had just recovered a account and got it together, and it happened to be the number. Since it was said that it was urgent, then I would repay the silver to the old brother in the future?"

"Lao Jin, I have never borrowed money from you. I ask you, how do you calculate the profit?" asked Mr. Lian.

"I have a few kinds of papers to see how long my brother will borrow. They all sit on the ground and get one, three to five cents a month. Our fellow villagers in the country have never spoken to me. I only want the old brother to make a profit, which is never available." Lao Jin smiled and said with a business story, "If it goes up a month, it will be profitable. This is the industry rule, and I can't do anything about it. But if the old brother borrows it for a longer period of one year, it will be profitable. Borrow one and pay two."

Lian Man'er was a little shocked when he heard it. The so-called "sitting for one" on the ground, if he borrowed five hundred taels of silver, the Lian family could only get four hundred and fifty taels. At one month, the principal and interest were calculated based on five hundred taels. If the profit of two cents is spent in one month, he would have to pay back a full six hundred taels. If he could not pay it back that month, the principal and interest were calculated based on six hundred taels of silver in the second month, that would be seven hundred and twenty taels of silver. And so on, it would be profitable and the donkey would have to roll. The lamb borrowed a year and borrowed four hundred and fifty taels of silver, and when he paid it back, he would have to pay back one thousand taels of silver.

"Brother, these five hundred taels are not a small amount. I will only lend him one month, and I will also mortgage him with a house and land. Brother, you are fine, I can trust you. It will be a year or two. Brother, what are you planning to do?" Lao Jin said with a smile.

Lian Man'er can calculate this account, and even the old man who has been the shopkeeper for decades is clear in his heart, so his face naturally cannot look good.

"Shouren, how many months will this money be paid back?" Mr. Lian asked Lian Shouren.

"When the autumn harvest is over, the Sun family will come to marry you in September. No matter how much you have to pay it back during the Chinese New Year. Dad, let's borrow it for a year."

It is August now, and it is four months by the end of the year. At that time, you have to pay back the money. According to the month, you have to pay back 1,000 yuan in silver, so it is better to be considered a year.

"Isn't it going to pay for three months?" asked the old man. He is also a calculating person. If he is three months, he will only need to pay more than 800 taels of silver.

"Dad, it's better to have a few more months of gratitude," said Lian Shouren.

When Mr. Lian saw Lian Shouren say this, he stopped talking.

Lao Jin observed his expression and took out a duplicate of the paper from his arms.

"What the scholar's husband means is that the deed is written on this deed is six hundred taels. You can read it after all, brother."

Old Master Lian took the deed paper and looked carefully.

"Old brother, it seems that there is no problem, so let's sign and seal it. The scholar's husband can go with me to exchange the silver." Lao Jin said.

"No problem, no problem." Lian Shouren said hurriedly.

Lao Jin took out a box of ink paste and handed it over with a smile. Because he was next to Lian Shouren, the ink paste box first arrived in front of Lian Shouren. Lian Shouren felt like he was a snake and scorpion, and he hurriedly leaned back, but reached out to clench his fists and held Lao Jin's hand towards Mr. Lian.

Lian Man'er looked at him coldly and said vigilantly, Lian Shouren is definitely not trustworthy. It is very unforgettable to wait for Lian Shouren or Lian Huaer to pay back the money.

Damn, why is there no movement in He's place?

"Dad, wait." At this moment, he saw the door curtain lifting, and He Shouyi and He hurried in from outside.

"What's the matter?" Old Master Lian asked with ink mud on his fingers.

"Dad, this loan note must be made by Lian Huaer."
Chapter completed!
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