Chapter 1740: Doomsday usury, which one is better?(1/2)
Oil City.
Huhuhu--
Snow and snow.
Shop No. 17, official oil city pawnshop.
It’s next to the electronics repair shop of Shop No. 16.
This official pawn shop can pawn all valuable items, divided into living and dead.
You should be redeemable within a certain period of time. You can also use points to redeem it, but you will charge 10 to 30% interest, which depends on what time you redeem it.
The earlier you take points to redeem, the less interest you will have.
But once the agreed period exceeds and has not been redeemed, it will never be redeemed.
Of course, there are exceptions, such as if you pay several times more ransom and you can get your stuff back.
If you die, it means that once you are killed, it will never belong to you, and it is equivalent to selling it.
Jiang Chao's stainless steel composite crossbow is sold at a high price on the market. One can be sold for 15 points, which is equivalent to the salary of a worker who is busy working in the trading market for a month.
Jiang Chao braved the blizzard and came to the pawn shop.
Due to Blizzard, there were not many people in the pawn shop.
The staff at the counter of the pawn shop, because they had no business, were dozing off with their chin on their right hand.
"Hello, I want to pawn things." Jiang Chao took off his hat, exhaled a breath of heat and said.
The staff was dozing off. After hearing Jiang Chao's voice, they rubbed their eyes and raised their heads.
"What do you want to pawn?" The staff member was named Liu Xu, a man in his 30s, asked with his glasses.
He was the one who had followed Zhong Chuchu. He was in the oil city long before Dazhangshu occupied the oil city.
Later, Zhong Chuchu went to the Dazhangshu headquarters base, and he and some of them chose to stay.
Until now.
His level is not high, but by relying on his experience, he has accumulated enough points step by step and has been promoted to a level 3 personnel.
He didn't know how to mine oil, nor was he good at fighting, so he established a commercial district in the trading market and joined the store operation work here.
You don’t have to take risks to do tasks, and you can live a comfortable life when you stay in such a clean yamen.
Jiang Chao searched through his pocket for a while and found a wrinkled note.
"I'm going to use my compound apartment that I handed over before entering the city."
"Look, this is my receipt certificate."
Liu Xu took the receipt certificate, took a closer look, and said to Jiang Chao:
"Give me your number card."
To check whether he has this composite crossbow, he still has to check the background data of the sealed management office based on his number card.
Jiang Chao quickly handed over the number card to Liu Xu.
Liu Xu looked through his number card, turned on the computer on the counter, entered Jiang Chao's number, and compared Jiang Chao's photos to confirm that it was him.
Then, looking at the items he had stored in the sealing management office, there was indeed a stainless steel composite crossbow.
"You are sure you want to use this stainless steel composite crossbow, right?"
"right."
"Life or die?"
Jiang Chao thought for a moment and said, "Diet!"
He felt that this frozen natural disaster might last for a long time. If he was alive, he would not be able to redeem it. It would be better to die and get more points at once.
Anyway, now, this compound crossbow is not available for the time being.
"Okay, I'll contact the person from the item sealing management office to verify the situation of your crossbow."
After saying that, Liu Xu used the walkie-talkie to contact the people from the sealing management office and learned that there was indeed a composite crossbow there.
And according to the assessment of the Seal Management Office, a dead-as-as-a-purchase price of 9 points was given.
If acquired, the crossbow will be an asset of the Oil City from then on, and will be transferred from the survivor's item storage area to the official oil city's item storage area.
In the future, if the oil city needs to use it, you can directly call it in the official warehouse.
Moreover, these items are registered and filed. What they want to use can be found by checking the background data using the computer.
Liu Xu raised his head and said to Jiang Chao:
"Nine points are dead. If the price is fine, will I get the points to your number card?"
"Nine points..."
Jiang Chao frowned and said unwillingly:
"This is too few. My crossbow is of good quality. I have seen a similar one in the cold weapon store. It's not as good as mine. It costs fifteen points... How can I be so worth only 9 points."
When Liu Xu heard this, he didn't even bother with him and replied lightly:
"This is the case. There are the most 9 points. If you don't accept it, you can't just pretend."
Jiang Chao hesitated and made up his mind.
"Okay, I'll do it!"
"Do you die!" He added, his eyes full of determination.
He only has 0.1 points left in his number card, which is so poor.
Now that the blizzard has been falling for days, there are not two babies in my pocket, and life is really sad.
You must ensure that you have some points on hand, otherwise he will definitely not be able to stand it.
9 points, converted into corn cakes, that is 36 corn cakes, which is enough for him to last for more than a month.
Anyway, as a Level 4 person, he lives in a residence such as C and does not need to pay rent.
However, the heating fee still needs to be paid.
Hearing Jiang Chao's affirmative reply, Liu Xu contacted the people from the Material Seal Management Office and informed them that Jiang Chao's stainless steel composite crossbow belonged to the official oil city of the oil city, and asked them to modify the backend data there.
Due to permissions, the pawn shop cannot modify the backend data of the material sealing management office.
Then, he operated it on the computer, gave Jiang Chao 9 points in his number card, and returned his number card to him.
As for the receipt certificate, he tore it directly into the trash can.
"Okay, this is your number card, and a certificate of receipt. There are 9.1 points in it now." As he said that, Liu Xu handed the number card to Jiang Chao.
Jiang Chao took it, turned around and left here.
As soon as he left the pawn shop, he found someone following him.
Just when he was confused, the man behind him chased him and walked side by side.
The man who suddenly appeared said to Jiang Chao:
"Brother, do you need a point loan? Can we apply for an unsecured loan here? If you are interested, you can learn about it."
Jiang Chao was a little surprised when he heard this.
Unsecured loans? He seems to have heard people say that it is actually usury, and the owner behind it is from the Shuilong Club Bar.
"How much interest?"
"Not high, the daily interest rate is only 5%.
"Five percent is indeed not high."
No, Jiang Chao turned his head and widened his eyes and asked, "What you just said was the daily interest rate, 5%?"
"Ahem, yes. Look at it these days, it's good that someone is willing to lend you points. Why do you want to do so much..."
Listening to the people from the Water Dragon Club talking in their ears, Jiang Chao calculated in his mind.
The daily interest rate is 5%, multiplied by thirty days to be a month, and the interest rate for that month is 150%.
The interest rate for a year is multiplied by 365, the interest rate for a year is 1825%, and it is eighteen times in a year.
This is only calculated based on the principal. If the profit is profitable, it will be even more terrifying.
Tsk tsk!
Jiang Chao looked at the man beside him in a little horror and asked in confusion:
"You borrow like this and have such high interest rates, what if we can't afford to pay it back?"
The man chuckled, "I can't afford it, why can't I afford it? You said yes."
The man looked up and down Jiang Chao's whole body.
Jiang Chao trembled twice, and then said no to borrow, and then ran away in a hurry.
He felt that there was definitely a big trap here, and if he borrowed it, he would probably be completely finished.
Although the nine points are not many, they can at least last for a while.
Even if these nine points are used up, he can still go to the official points bank to apply for a loan.
After all, he is a fourth-level member, with a high credit limit and a collateral requirement. Although the annual interest rate of the loan exceeds 30%, it is much lower than the interest rate of the super high usury loan just now.
Then, he returned to his residence, packed his luggage, applied to modify his living room, and went to the lowest-level residential area C in the trading market.
Half an hour later.
To be continued...