Chapter 1285

"What! Take out a loan!?"

Ye Fu's eyes widened in shock, then he jumped up and shook his head hurriedly.

"How can that be, what kind of loan? Can't take out a loan, everything is fine, why borrow money from the country, that won't do, we are all honest people, how can we owe the country money, what would that sound like?"

When the father and son were sitting at the door after lunch, Ye Yaodong mentioned it to his father, not expecting his father's reaction to be huge.

If possible, he wouldn't want his father to know, to avoid trouble.

His father is also an old antique, his thinking is backward, he definitely can't accept it. Just doing ideological work for his father would take a lot of effort.

But he had to do it. When Shen Ming'e comes to the door, he will know anyway. At that time, the reaction will be even more intense, so he had to say it in advance to let him digest it.

Ye Yaodong coaxed and deceived, saying the set he told A Guang in the morning to his father again and again, breaking it apart and rubbing it apart, only then did he not have such a big reaction.

But he was also unwilling to take out a loan from the bottom of his heart, extremely resistant.

"You are doing fine, the family foundation is thick, and you are not short of money, why take out a loan? No need, we have many boats..."

"Borrowing money from people means no light on the face, you have to look down on people when you see them, and you actually rose to borrowing money from the country, what's so good about taking advantage of this, anyway, you have to pay money back, it's not given for free."

"Don't mess with these crooked ways, we walk the serious path, honestly go out to sea to fish. If you want to buy a boat, just spend your own money to order it, why borrow from the country? You have to pay it back later."

"If it spreads to the village, you still have to take out a loan to buy a boat, how bad will the reputation sound, when you go back, I guess you can be scolded bloody by your mother, and your wife will have to make a scene with you."

Ye Yaodong's mouth was about to dry up, and his father was still saying this.

"The key is that I don't have money in my hand now, this is considered a free sponsorship by the country, we are also supporting the development of the port."

"Spending your own money and the country spending money are two different things. Spending your own money is very painful, although I can afford it, but didn't I just spend 100,000 yuan? If I ask you to spend another 100,000, can you take it out? Are you willing?"

Ye Fu shook his head hurriedly, "I can't even if I die."

"Isn't that it? We are now supporting national construction, the country gives us money to do it, take this money to buy a boat, won't it not hurt?"

"But if you borrow it, you always have to pay it back."

"Then just pay it back after we earn it by working, isn't that fine? Understand it as renting, isn't that fine? The country rents you a boat, and doesn't want rent, you just pay back the cost of the boat after you earn money, isn't that fine? This is equivalent to working hard for a few months and getting a boat for free."

Ye Fu was silent for a moment, digesting the "rent" he said.

Ye Yaodong said again: "If I wait until I have saved enough money to buy it, when will that be? A steel fishing boat costs tens of thousands, and it's not like you can buy it whenever you want."

"That girl's father is the factory manager. I bring business to her by taking out a loan, and she helps take a back door, so the boat can be obtained faster."

"If this boat can be obtained earlier, won't it be able to be put into use to make money earlier? If I wait until I have saved enough money to buy it, that will be the year of the monkey."

"Now if someone comes to you and says he will let you sail the boat, and in three years, as long as you pay the principal of the boat back to him, the boat will belong to you forever, do you want it?"

Ye Fu was moved instantly when he said this, "Then I definitely want it... this... doesn't this equal the boat being sent to me directly? I can pay the principal back to him in a few months, and the boat will be mine in the future..."

"Isn't that it? Doesn't this loan equal giving me a boat directly? I don't need to have any burden, just pay it back after earning it."

Ye Fu wanted to refute that borrowing still means paying back, but felt that the analogy just now indeed equaled the boat being sent for free.

In fact, the difference lies in whether you want to spend money yourself. Ye Yaodong really can't afford to spend it now, the debts haven't been paid off yet.

The difference between having to pay in advance and not having to pay in advance is huge.

For example, that cargo ship is similar to paying in advance.

100,000+ spent, but the boat is still being modified there, and hasn't been put into use to make money.

And now it equals a loan, the boat is built for him first, and he will make up for this principal after making money in the future.

Ye Yaodong saw his father was also a bit circled in, patted his shoulder, "Don't worry, you just need to work, leave these brainy things to me."

Ye Fu patted his hand away, "I'm afraid you'll mess around, and you leave it to you? This loan will be laughed at as soon as it's said, will be talked about, so rich, and still have to owe the bank money."

"Who talks about it? Once I earn this money, everyone will slap their thighs and regret it."

Don't talk about interest-free in the future, if you pay interest to let the bank lend you 100,000, the bank has to consider it.

Millions can only be borrowed by backing a mortgage, or by collateral.

"You just spent 100,000 yuan, and you go to take out a loan, if it spreads home, they will all be anxious to death, I guess they will all wish they could chase over."

"Afraid of what, far away, if you scold on the phone, you hang up directly, don't get used to it. Anyway, make the safety calls that should be made, if they know, and scold, you hang up directly."

"Speaking so hard, why aren't you the one hanging up?"

"Aren't they all scolding you?"

Ye Yaodong jumped to the side hurriedly after finishing, to avoid his father taking off his shoes.

"You rabbit cub coffin cub..." Ye Fu scolded and couldn't catch up with him.

Ye Yaodong walked out, planning to go for a walk, to see how A Guang's ideological work was going.

The two friends were at sea, and hadn't returned yet, had to wait until evening, but there was no rush.

He slowly strolled to A Guang's place, A Guang was sitting and talking with Pei Fu at this time.

After he walked over, he didn't speak, just went to see other workers playing cards there.

Pei Fu asked him, "Adong, are you sure you want to take out a loan to buy a boat? Did your father agree?"

"Why does he need to agree? The boat is for me, not for him, and it's not him taking out a loan, it's my own idea, just need to inform him, he can't make decisions for me."

A Guang secretly gave him a thumbs up, and then said to his father: "Heard it? I'm taking out a loan myself, not letting you take out a loan, that will be my boat in the future, you worry less, I have my own measure."

"Fine, then you two have to go inquire, see if the bank really has this policy, don't be cheated, when the time comes, you get nothing, and eat a belly full of loss."

"Definitely, we can't just listen to whatever people say, we definitely have to inquire."

"Hmm, then see how much can be borrowed, anyway, since you are going to take out a loan, borrowing 10,000 is borrowing, borrowing 100,000 is borrowing, you borrow more, don't want the boat sent for free."

"Exactly, that's what I think too."

"When will people come? Once it's determined how much money can be borrowed, you tell me, let's discuss, see what kind of boat we want. Also, we have to go to other shipyards to inquire about the same configuration, what the price is, can't be slaughtered by the father and daughter, the money from the bank flows directly into the father and daughter's pockets."

"Understood."

A Guang snapped his fingers and sat up, walking towards Ye Yaodong.

"Done."

"Your dad is quite easy to talk to?"

"Things that take advantage, who isn't easy to talk to?"

"My dad is scared to death, hearing about taking out a loan, having to borrow money from the bank, he jumped up and opposed it immediately."

"This is also normal, the older generation is more conservative, must save enough money, after having a lot of money, then take out a very small part to buy, only then will they be willing, otherwise even if they have money, they are reluctant to spend a large amount. My dad also opposed it immediately when he heard it, later after talking, only then was he not so determined, and could listen to my analysis."

"Hmm, about the same, analyzed for a long time, only then did he have nothing to say."

"Where are we going now?"

"Didn't your dad just say, let us inquire more, see if the bank really has this matter? Let's go? I also forgot to ask which bank it is, just ask every bank."

A Guang walked hurriedly to keep up, "Right, still have to go to the shipyard to ask, see the configuration and price of various fishing boats, to avoid them reporting falsely knowing we are taking out a loan and don't need to spend our own money?"

"Hmm, ask everything, anyway there is still one day tomorrow, running more is not a mistake."

"Where is your bicycle?"

"Just walked over after eating, go to my place to ride first, incidentally you bring money, also go buy one first."

"That's fine, still have a few months here, will always use it, if we really set a fishing boat at the shipyard, we have to go check it often."

"I'll go back first, you come find me in a while."

"Okay."

This Shenjia Sect is just a street, not big, about the size of a town, but this is a fishing port, with many outsiders, currently there are really two banks and one post and telecommunications bureau.

After buying the bike, they finished visiting a few, not only asked, but also met Shen Ming'e directly in the state-owned bank.

She was very happy to see them, and chatted for a while, saying she had asked about the quota.

Saying that for outsiders like them, at most 100,000, this was still her helping to speak, otherwise at most 50,000, and still need locals to guarantee.

"Still need a guarantor?" A Guang asked in surprise.

"Right, you are not locals, don't have local household registration proof, if this interest-free loan is given to you, what if you run away?"

"We have proof opened by the village, is it not okay to take it?"

"That still needs a local to guarantee."

"All said we are outsiders, where would we know locals, if there is no local guarantee, is it not okay?"

"Why don't you ask? See if anyone will guarantee you?"

Ye Yaodong also asked: "Is collateral okay?"

"Collateral what? Do you have houses and land here?"

"No, are fishing boats okay?"

"Probably not, because if you run away, the fishing boat will also be sailed away directly, need someone to guarantee."

A Guang looked directly at Ye Yaodong, "Isn't this asking nonsense? I'm an outsider, where to find a local to carry the responsibility for me? Damn, thought I picked up a big bargain, didn't expect to still need a local guarantor, daydreaming."

"Then go back and think of a way?"

"Then can only go back and say, my big boat is gone instantly, still thinking about going to the shipyard to inquire, no need to waste effort."

Ye Yaodong looked at Shen Ming'e who was looking at them curiously, "We go back and discuss it, find local friends to see."

"Okay, then I'll go find you tomorrow?"

He glanced at A Guang, "We'll come find you here, anyway we know you work here, you should be here on workdays, right?"

"Yes, just went to find my dad in the morning, then I'll wait for you here, you guys be quick in these two days."

"Okay, then when we come to handle it, still have to trouble you to talk to your dad about the boat delivery time."

"Easy to talk, as long as you can come to handle the loan, I'll help you go find my dad to talk."

Ye Yaodong nodded, and went back with A Guang.

A Guang scolded as soon as he went out, "Originally I was happy, thought I picked up a boat, now it's good, damn it didn't say clearly, empty joy."

"100,000 is indeed a lot, lending to outsiders is indeed afraid of running away, transportation is not developed now, there are outsiders from all over the country here, if they run away, there is nowhere to find them."

"Then what to do, are you going to find Boss Su Ren? Or Captain Xu?"

"Su Ren is not at home, went to run cargo, I guess he won't be back until the New Year. Forget about Captain Xu, didn't have much contact, not very familiar, inquiring about things is fine, where would people dare to guarantee. 100,000 yuan, if I run away, the bank will ask him to pay."

"Originally thought beautifully, earn money and then pay it back, considered getting it for free, now it's good, no play."

Ye Yaodong thought, is there any way...

"Let's go, go back, busy for nothing, waste a day, sigh."

"Is there a gap in your heart?" Ye Yaodong asked with a smile while walking.

"Of course, originally didn't think about taking this bargain. Owing the country money, there is some burden in the heart. Now it's good, even the qualification to owe is gone, that's even more uncomfortable, even more want to borrow, the heart is instantly like being scratched by a cat, a bit unwilling, clearly the boat was almost in hand."

"Then pop, the happiness is gone."

"Right, that's the feeling."

"Then there's no way now..."

A Guang sighed.

"Hey, you say taking your fishing association vice president certificate to take out a loan, is it okay?"

"Said need people."

Ye Yaodong pondered, otherwise he would go buy a house and buy land? Then go for collateral loan?

Shen Ming'e didn't seem to deny it in one breath just now, just asked what he used for collateral.

Anyway, houses and land are not worth money now, at least he has assets locally, and he has the fishing association vice president certificate, should be accommodated?

Pay back, he will definitely pay back.

He thought of this, blocked A Guang, "Wait, I'll go back and ask again."

After finishing, he turned back immediately, running back to the bank.

"What are you going back to ask?"

"I ask if I go buy a house and buy land, make a collateral, is it okay to take out a loan?"

"Houses and land are not worth much money, can it lend so much?"

"Just ask."

It's not worth money now, it will be worth money in a few years, and very worth money, anyway he will definitely pay it back.

Collateralizing houses and land to the bank, letting out the wind, then not afraid of being occupied by locals.

The government's name is always more deterrent, even if people are not there, they dare not have ideas.

Once his fishing boat is in hand, directly take the money earned to pay it back, this way houses, land, and boats are all earned.

Originally didn't have the idea of buying a house and land, now it has filled his brain.

Didn't have this idea before, because even if bought, people are not here and will be occupied by locals, buying is buying for nothing, now buying and directly collateralizing to the bank, then not afraid.

Once people leave for the New Year, he takes a few sealing strips and sticks them on...

Tear them off next time he comes...

Thinking about it, he also felt this was a good idea.

Shen Ming'e saw them return, asked curiously: "Is something left behind?"

"No, if I have local houses and land, can I use them as collateral to borrow interest-free?"

"Yes."

"Borrowing 100,000 is also fine."

"Should be fine, interest-free loans don't have collateral, just need locals to show asset identity."

Ye Yaodong was happy, "Okay, then I'll go buy a house and buy land."

"Then once you've handled it, come over early."

"Okay."

He pulled A Guang and walked out again.

"No, why still buy a house and buy land?"

"Otherwise there's no way?"

"We don't live here, why buy a house and buy land?"

"Do collateral, and after the fishing boat makes money, put it there to appreciate. It just so happens that there is a bank to take out a loan, collateralize it to the bank, let out the wind, people are not there, and few people will have ideas."

"Originally thought about not spending money, and getting a boat, now still have to spend money..."

Ye Yaodong patted him, "Are you stupid? Buying a house and land now is also making money, and there is a bank to take as a big flag, you just need to get the fishing boat in hand, earn money and pay it back, isn't that fine? Then aren't houses, land, and boats all there?"

"Sigh, before it was thinking about not spending a cent, now it's having to spend money first."

"As long as it's worth it. If you really have to pay in advance 100,000 yuan to buy a fishing boat, can you take it out? Definitely can't take it out, now just need the bank and shipyard to connect, then a boat is in hand for nothing."

"Hmm, then that's it, go back and inquire, if anyone is selling a house, land, I feel it's probably not easy to buy."

Ye Yaodong said: "Go to the Land Bureau to buy wasteland and forest land, don't buy farmers' land."

Now some forest land and soil slopes are not suitable for planting, they will all be pushed down to build houses in the future, buying farmers' land is more troublesome.

"Dongzi, how can you think of everything?"

"I'm smart, let's go, the sun is setting, hurry back."

When Ye Yaodong went back, Ye Fu also asked, he just casually prevaricated that it was handled, and was handling the procedures.

Anyway, his father went out to sea at night, no need to worry blindly, he could handle it alone.

After the meal, he gathered with A Guang again, the two discussed, and decided to tell A Zheng and Xiao Xiao.

Otherwise, when they look back, say they didn't take them along, and missed such a good thing.

Once bitten, twice shy.

Everyone is a childhood friend who grew up together, and is fighting together here, this is also not a small matter, can mention it, whether to do it or not depends on themselves.

His eldest brother and second brother are the same, they are all his own people, but he doesn't look favorably on them.

They are all honest and simple, I guess when they hear about loans, having to borrow money from the country, their hearts and livers will tremble.

Everyone has their own ideas, anyway everyone is here, he should mention it if he should.

As for persuading, he definitely won't do ideological work like his own father.

So many outsiders took out loans, he doesn't look favorably on them either, he feels he is fine, as for others, the probability is also being brushed down.

This, when a few people gathered together, he also said he didn't look favorably on them.

Xiao Xiao and A Zheng, who were originally very moved, also shook their heads immediately.

Xiao Xiao said: "Then forget it, it's probably very troublesome here, it has always been scraping money from the common people, where can common people take money out without paying a price?"

Others also nodded.

"Yeah, where is there such a good thing, anyone can take 100,000 yuan out of it."

"Forget it, you toss, we won't toss, the income here is quite good, enough to earn."

Ye Yaopeng and Ye Yaohua also refused.

Ye Yaopeng said: "Hearing about having to take out a loan from the bank, we are all panicked, now still have to buy a house and buy land to borrow, my god, no, you toss."

Ye Yaohua also said: "I can't either, this sounds scary, now having a Shunfeng boat is enough for us. Dongzi, you also be careful, don't follow whatever you hear, this thing sounds very scary..."

"I have my measure, I have always thought you definitely won't follow, but I also planned to mention it, to avoid you blaming me for not telling you later."

"Won't..."

"That's good, then don't mention it when you call home, help me hide it."

The eldest and second brothers looked at each other, "You still don't plan to tell A Qing?"

"What's the use of her knowing, she will only worry, so far away, it's also worrying for nothing, better not know."

"Such a big matter..."

"Be a man, why do you have to report everything you do outside to home? She just needs to worry about the family, when I go back, what should be said I will say, what shouldn't be said, wait until later."

"Okay."

A Guang also said: "Don't tell Huimei here..."

"Okay."

A Zheng looked at them curiously, "Why are you two so bold?"

A Guang looked at Dongzi, "It's him, not me, I'm just following him."

Ye Yaodong smiled and hooked his shoulder, "Then you say, following me, did you make a fortune?"

Xiao Xiao said: "Definitely made a fortune, didn't you see his family also has a dozen boats? Originally everyone was the same."

A Zheng supported his chin with his hand, "Originally I was quite moved, you plan to toss, definitely have a reason, can make money. But you said our hope is not big, only then did I forget it, this splashing wealth, don't know when it will be our turn."

"Didn't earn less money, okay? The two boats at home are almost in hand, when you go back, you have to treat us."

"Hehe... this is a must..."

"Scatter, scatter, go home to sleep."

Ye Yaodong looked at A Guang, "Your dad is going out to sea this time, are you staying at home?"

"Definitely, this loan matter hasn't been handled, how can I go out to sea, if I leave my dad to run with you, won't you be pissed off?"

"Good that you know."

"My dad just has some small thoughts, but he doesn't harm people..."

"I know, everyone has their own small thoughts, people don't do for themselves, heaven destroys the earth, I am the same. Go back to sleep, go buy a house and land tomorrow, and still have to go to the shipyard to check the boat."

"Okay..."