Now it seems that you did not rely on luck, but on your true ability to make money, unlike people like Xu Damao who make money through deception and abduction."

Cao Zhiqiang smiled: "Okay, Mr. San, don't blame me. Just tell me if it's okay. If it's okay, we'll sign the contract now and I'll give you the money on the spot."

The third uncle's eyes lit up: "Really? You, you have three thousand yuan on you now?"

Cao Zhiqiang chuckled and did not answer.

"Old woman!" The third uncle said to the third aunt quickly, "Quickly, go get paper, pen, ink pad, copy paper, and by the way, there is also a property book!"

The third aunt nodded quickly: "Hey, wait, I'll go right away."

After saying that, the third aunt hurriedly went to prepare.

Soon, the third aunt brought paper, pen, ink pad, copy paper, and of course the real estate book.

Then, the third uncle personally wrote a contract in duplicate. After Cao Zhiqiang saw that it was OK, they signed and fingerprinted it together.

In this way, a simple loan contract is drawn up.

By the way, in this contract, the third uncle wanted to write down all the interest, but Cao Zhiqiang refused to let it be written, and only wrote an IOU.

In other words, this so-called contract is actually an IOU, which only states who borrowed so and so for how much, what is the collateral, and the loan period. Nothing else such as interest is mentioned.

The reason is very simple, that is, Cao Zhiqiang does not want to cause trouble.

If you take an IOU, at worst you can get your principal back with the IOU. This is protected by law.

But if interest is added to the IOU, especially high interest such as two-cent interest - it is illegal these days!

Of course, people these days are not as shameless as later generations. They basically abide by the spirit of the contract and rarely fail to pay back the money they borrow.

Especially the third uncle, Cao Zhiqiang is even more at ease.

Not to mention that the third uncle is a shameless person, let’s just say that the third uncle has accumulated a lot of savings over the years, it’s only three thousand yuan, and he can definitely afford it.

After the contract was signed, Cao Zhiqiang took out 300 unity sheets from his pocket on the spot and gave them directly to the third uncle.

After that, the original handwritten contract and the property copy of the third uncle’s house were held by Cao Zhiqiang, while the copied contract was held by the third uncle.

The transaction was successful and everyone was happy. Then Cao Zhiqiang did not stay any longer and left the third uncle's house directly.

As soon as Cao Zhiqiang left, the third aunt said to the cheerful third uncle: "Old man, what's the point of having fun? That's two cents profit. It only costs sixty yuan a month. Can you afford it?"

"Why can't you afford it?" The third uncle smiled and flicked the copied contract with his finger, "If you dare to lend it, I dare to lend it to you. We will make a lot of money this time!"

"How can I make a lot of money?" asked the third aunt.

The third uncle said with a smile: "Have you forgotten that last time our eldest son and his eldest daughter-in-law came to borrow money? The money will have to fall on them."

"What do you mean?" the third aunt asked with a frown.

"Are you the real Hu Tu or the fake Hu Tu?"

The third uncle shook his head: "Well, think about it, weren't our eldest son and eldest daughter-in-law anxious to borrow money from us to invest in opening a restaurant last time?

I didn't agree before, not only because I was afraid that if they lost money in business and something happened, they wouldn't get the money back, but also, the money we had was deposited on a regular basis, and it would be uneconomical to take it out now.

This time it’s different, we borrowed money from Cao Zhiqiang, we don’t have to touch our capital on a regular basis, and we can lend it back to our eldest son and daughter-in-law to earn the difference.”

"Lending money to the eldest son?" The third aunt frowned, "Didn't you say to invest in shares?"

"What kind of investment should I invest in?" The third uncle shook his head.

"Investing in shares is equivalent to giving money to them for free. If you want to get your money back, when will you be able to get it back?

And if we lose money, our money will be wasted.

So, I plan to lend them money and charge interest, which is not much, but ten percent of the interest!

So you see, I borrowed money from Cao Zhiqiang and gave him two cents in profit.

Then I will lend it to our eldest son and eldest daughter-in-law and make them very profitable.

This time, we didn't do anything, and we got eight cents every month for free.

Eight-cent interest on three thousand yuan is equivalent to two hundred and forty yuan per month, which almost doubles in one year.

Do your own calculations, which one is more cost-effective?"

The third aunt blinked: "Hey, it's still a good deal to borrow money, but old man, what if our eldest daughter-in-law loses the money?"

"This is easy to handle." The third uncle said with a smile, "Do you know why I am so happy to let you take the real estate capital as a mortgage for Cao Zhiqiang?

In fact, even if Cao Zhiqiang didn't mention it, I would eventually offer to use the real estate as collateral.

I did this to show our eldest son and daughter-in-law how much we paid to support their business.

Think about it, we all mortgaged the property capital to Cao Zhiqiang, then when the eldest son and the eldest daughter-in-law come to borrow money from us, won’t they also have to mortgage the property capital to us?

Anyway, they are most anxious now. In order to get money, they probably agree to sell the house, let alone mortgage the property.

That is to say, it is difficult to sell the house now and it cannot be sold at a high price. Otherwise, Yu Li will definitely sell his house and then come back to live with us.

So I asked them for the house certificate, and they definitely agreed.

Just in case, I mean just in case.

If in the end, Yu Lina’s restaurant loses money, then we still have her property, right?

At that time, if the worst-case scenario comes, the eldest son and his daughter-in-law will lose money and cannot pay back the money. We can take the property book of the eldest son's family and exchange it with Cao Zhiqiang.

Let’s not talk about my face, which is relatively solid for Cao Zhiqiang. Let’s talk about our eldest son’s house. It is a building allocated by the factory and is much more valuable than our shabby house. Cao Zhiqiang must agree.

Even if Cao Zhiqiang doesn't agree to change the house ownership book, that doesn't matter.

At worst, I will give this house to Cao Zhiqiang and we will move into the eldest son's house.

The eldest son's house ownership is in our hands, and the contract signed with him is also in our hands. Once the eldest son and his eldest daughter-in-law fail to pay back the money, his house will naturally be ours, and it will be much more valuable than our old house.

Already.

If this is the case, we can still make money by exchanging houses for houses.

What's more, I don't think that guy Cao Zhiqiang is so heartless. When the time comes, he probably won't really want our house. At most, he will let me pay back the money secretly.

If we continue to cry about being poor and selling miserably, he may not even ask for interest.

After all, didn't you listen to what he said? He was mainly afraid that others would know the news and kept borrowing money from him, but he didn't take the money seriously.

Otherwise, I wouldn’t have carried 3,000 yuan with me.

On the other hand, if the eldest son and daughter-in-law cannot repay the money, not only will they have to give us the house, but we can also continue to ask them to pay back the money every month.

We will not suffer any loss inside or outside.

If we use our own money to lend it to our eldest son and daughter-in-law, they will really lose money, and they will probably be able to default on the debt. Who knows if it is our son and daughter-in-law? I will be able to force them to death by then.

But if the money belonged to someone else, Cao Zhiqiang, the couple would have to pay it back. The nature of the money is different.

So you see, in the whole process, we have no risk at all.

We don’t have to touch our capital, and we don’t have to worry about being kidnapped by family ties and morals. Just by doing this, we can safely make a net profit of eight cents every month. What do you think of this business?"

"Hey, you, this is good, this business is good." The third aunt smiled happily.

But soon, the third aunt frowned again: "No, old man, you said, we really want to lend money to the eldest son and eldest daughter-in-law, and if they are very profitable, will they agree?"

"Why don't you agree?" The third uncle said with a smile, "Although the profit is very high, no matter how much you say, you can still borrow money from us.

If we don't give them money, who else can they ask to get the money? Wouldn't this business be impossible?

Cao Zhiqiang, you have also seen that I only lent money to save my face, but Cao Zhiqiang has no friendship with our sons, so why should I lend them money?"

"That's what it is." Third Aunt nodded, "But isn't the interest rate we want too harsh?

It’s very profitable, it will double in ten months, and the interest given to us every month is 300 yuan!

Can the couple make a profit every month from their small restaurant business?

If it only loses money but doesn’t make any money, and it closes down soon, what will happen?”

"Old lady, that's not how the accounts are settled." The third uncle said with a smile.

"I've gone out to inquire about it. Nowadays, restaurants are very profitable. Even if you earn half of your profit from just one dish, it's not a big deal.

If they had 3,000 yuan in capital, the couple would buy tables, chairs, benches, pots and pans, decorate it a little, and hire chefs and waiters, and the remaining money would be enough to rent a store of more than 500 square meters.

A store of more than 500 square meters can accommodate at least 50 tables, right?

There are only four people at one table, so two hundred people can dine at the same time.

Even if he has two meals a day, noon and evening, that would be at least 400 people per day.

Of course, it definitely can’t be that popular at the beginning, and it’s impossible for everyone to attend.

At first, I gave them a little less, even if he only had fifty customers a day.

There are fifty customers a day, and even if each customer only earns him a dollar, this is a gross profit of fifty dollars a day.

The gross profit of 50 yuan a day, minus 20 yuan of labor, water, electricity and other expenses, is not an exaggeration to think that he can earn a net profit of 30 yuan a day, right?

For thirty days in a month, the net profit is thirty yuan per day, which is a net profit of nine hundred yuan in one month!

I'm going to settle for less. If I have more customers in the future, I'll make more money.
To be continued...