Back to the small fishing village in 1982

Chapter 1272 (revised)

"What! A loan!?"

Father Ye widened his eyes in shock, then jumped up and quickly shook his head.

"How can that be possible? Why would we lend money? We can't lend money. Why would we borrow money from the country when we are doing well? That's not okay. We are all decent people. How can we owe the country money? What will it look like if we tell others about it?"

When the father and son were sitting at the door after lunch, Ye Yaodong mentioned it to his father, but he didn't expect his father to react so strongly.

If possible, he didn't want to tell his father to avoid trouble.

His father is also an old-fashioned man with backward ideas. He definitely won't be able to accept it. It takes a lot of effort for him to just do ideological work on his father.

I have to do it. He will find out when Shen Ming'e comes to my house. His reaction will be even more intense then. I have to tell him in advance so that he can digest it.

Ye Yaodong coaxed and deceived his father, repeating over and over again what he had said to A Guang in the morning, breaking it down and crushing it again, and only then did he not react so much.

But I was unwilling to take out a loan from the bottom of my heart and was extremely resistant.

"You are doing well, your family is rich, and you are not short of money. Why do you want to take out a loan? There is no need. We have many ships..."

"It's shameful to borrow money from others. You have to look down on others. You even went so far as to borrow money from the country. What's the point of taking advantage of this? You have to pay it back anyway. It's not free."

"Don't do these crooked things. Let's take the right path and go fishing. If you want to buy a boat, why don't you just go and book it yourself? Why do you have to borrow from the government? You will have to pay it back later."

"If word gets out in the village that you're still taking out a loan to buy a boat, your reputation will be so bad that your mother will probably scold you when you go back, and even your wife will quarrel with you."

Ye Yaodong's mouth was almost drooling, but his father still said this.

"The key is that I don't have any money at the moment. This is free sponsorship from the state. We are also supporting the development of the port."

"Paying for it yourself and the government are two different things. It hurts to pay for it yourself. Although I can afford it, didn't I just spend 10 yuan? If I ask you to pay another 10 yuan, can you afford it? Are you willing to do it?"

Father Ye quickly shook his head, "I can't do that even if you kill me."

"That's it. We are supporting national construction now. The country gives us money to work. If we use this money to buy ships, then we won't feel bad, right?"

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

"Then why don't we pay them back when we earn money from work? You can think of it as renting, right? The state rents you a boat, but doesn't charge rent. You can pay back the cost of the boat when you earn money, right? Isn't it the same as working hard for a few months and getting a boat for free?"

Father Ye was silent for a moment, digesting what he said about "rent".

Ye Yaodong added: "I will buy it when I have enough money. How long will it take? A steel fishing boat costs tens of thousands. I can buy it whenever I want."

"That girl's father is the factory manager. I loaned her money to bring her business, and she helped me get the ship through the back door, so I could get it faster."

"If we can get this boat sooner, won't we be able to use it and make money sooner? If I save enough money to buy it, it will take a long time."

"Now if someone comes to you and says he will give you a boat, and in three years, as long as you pay him back the principal of the boat, the boat will belong to you forever, would you take it?"

When Father Ye said this, he was instantly tempted, "Of course I'll take it... This... This is equivalent to giving the boat to me directly, right? I can return the principal to him in a few months, and the boat will still be mine in the future..."

"That's it. Isn't this loan equivalent to giving me a boat directly? I don't need to bear any burden. I can just pay it back when I make money."

Father Ye wanted to retort that even if he borrowed the money, he still had to pay it back, but he felt that the analogy just now was indeed equivalent to giving the boat away for free.

In fact, the difference lies in whether or not one is willing to pay. Ye Yaodong really can't afford it at this time because he hasn't paid off all his debts.

There is a huge difference between having to advance money and not having to advance money.

For example, the cargo ship was funded by itself.

More than 100,000 yuan was spent, but the ship is still under renovation and has not yet made any money.

Now it is equivalent to a loan. The ship is built for him first, and he can make up the principal when he makes money in the future.

Seeing that his father was also somewhat confused, Ye Yaodong patted his shoulder and said, "Don't worry about it. Just do your work. I'll take care of the brainwork."

Father Ye slapped his hand away, "I'm afraid you'll do something wrong, but you're still here? Once you tell others about this loan, you'll be laughed at and criticized. You're so rich, but you still owe the bank money."

"Who cares? When I make this money, everyone will regret it."

Don’t even talk about interest-free loans in the future. If you pay interest and ask the bank to lend you $100,000, the bank will have to consider it.

Even if you have a million, you can only borrow one million by taking out a mortgage or mortgaging it.

"You just spent 10 yuan, and now you're applying for a loan. When the news reaches home, they'll all be so anxious that they'll probably want to chase you."

"What are you afraid of? They are far away. If they call and scold you, just hang up. Don't indulge them. Anyway, you should call them back to make sure they are safe. If they find out and scold you, just hang up."

"You talk so tough, why don't you do it?"

"Don't they all scold you?"

After Ye Yaodong finished speaking, he quickly jumped aside to save his father from having to take off his shoes.

"You bastard, you coffin..." Father Ye cursed but couldn't catch up with him.

Ye Yaodong walked out, planning to take a walk and see how the ideological work on A Guang's side was going.

The two friends are at sea and haven't come back yet. They have to wait until evening, but there is no rush.

He slowly walked over to A Guang, who was sitting and talking with Pei's father.

After he walked over, he didn't say anything, just went to watch other workers playing cards there.

Father Pei asked him, "Ah Dong, are you sure you want to take out a loan to buy a ship? Does your father agree?"

"Why do I need his consent? The boat is for me, not for him, and he is not the one who is providing the loan. I just need to let him know my own ideas, and he cannot make the decision for me."

Ah Guang secretly gave him a thumbs up, and then said to his father: "Did you hear me? I'm doing the loan myself, not asking you to do it. From now on, it's my boat, so don't worry too much. I know what I'm doing."

"Okay, then you two should go and find out if the bank really has this policy. Don't get cheated. Otherwise, you will end up with nothing and suffer a huge loss."

"Of course. We can't just listen to what others say. We have to find out."

"Well, let's see how much you can borrow. You're going to take out a loan anyway. Whether you borrow 1 or 10, it's still a loan. Just borrow more. Don't miss out on a free ship."

"Yes, that's what I thought."

"When will the people come? When you are sure about how much money you can borrow, tell me and we can discuss what kind of ship we want. Also, we have to go to other shipyards to inquire about the same configuration and their prices. We can't let them rip us off and let the money from the bank go directly into their pockets."

"understood."

Ah Guang snapped his fingers, sat up, and walked towards Ye Yaodong.

"nailed it."

"Is your father easy to talk to?"

"Who wouldn't say anything when it comes to taking advantage of others?"

"My father was terrified. When he heard that we had to borrow money from the bank for a loan, he immediately jumped up to object."

"This is normal. The older generation is more conservative. They have to save up enough money. When they have a lot of money, they will take out a small part to buy something. Otherwise, even if they have money, they will not be willing to spend a large amount. My father objected immediately when he heard it, but after I talked to him, he was not so determined and was willing to listen to my analysis."

"Yeah, that's about the same. I analyzed it for him for a long time and finally I had nothing to say."

"Then where are we going now?"

"Didn't your father just tell us to ask around and see if the bank really has this thing? Let's go. I forgot which bank she asked, so just ask any bank."

Ah Guang hurriedly followed, "Yes, we also need to go to the shipyard to ask about the configuration and price of various fishing boats, in case they find out that we are taking out a loan and don't have to pay for it ourselves, what if they falsely report it to us?"

"Well, I'll ask them all. There's still a day to go tomorrow anyway, so it won't go amiss if I run a little more."

"Where's your bike?"

"I just came here for a walk after dinner. Let's go to my place first. By the way, bring some money and buy one too."

"That's fine. I'll be here for several months, so I'll need it eventually. If I really order a fishing boat from the shipyard, I'll have to go check it out often."

"I'll go back first, you can come find me later."

"it is good."

Shenjiamen is just a street, not very big, probably as big as a town, but it is a fishing port with a large number of immigrants. There are currently two banks and a post office.

After buying the bicycles, the two of them went to several stores and not only asked questions, they also met Shen Ming'e directly inside a state-owned bank.

She was very happy to see them, chatted with them for a while, and said she had asked about the credit limit.

They said that outsiders like them could only get 10 at most, and she helped to say this. Otherwise, the maximum was 5, and they had to have a local person as a guarantor.

"You still need a guarantee?" Guang asked in surprise.

"Yes, you are not locals and do not have local household registration certificates. We are lending you this interest-free loan. What if you run away?"

"We have a certificate from the village, can't we just bring it over?"

"Then we have to find a local person to act as a guarantor."

"They say we are from other places, how can we know local people? If we don't have a local person to guarantee us, will it be impossible?"

"Why don't you ask? See if there is anyone who can guarantee you?"

Ye Yaodong also asked: "Can I mortgage it?"

"What do you want to mortgage? You have a house and land here?"

"No, a fishing boat will do?"

"I don't think so, because if you run away, the fishing boat will just leave, and someone will have to guarantee it."

Ah Guang looked directly at Ye Yaodong, "Isn't this a nonsense question? I'm an outsider, how can I find a local to take responsibility for me? Damn, I thought I got a great deal, but I didn't expect that I would need a local guarantor. It's all in vain."

"Then go back and think of a solution first?"

"Then I can only go back and talk about it later. My big ship is gone in an instant. It's useless to go to the shipyard to inquire."

Ye Yaodong looked at Shen Ming'e who was looking at them curiously, "Let's go back and discuss it and find some local friends to have a look."

"Okay, then I'll come find you guys tomorrow?"

He glanced at Guang and said, "We came here to look for you. Since we know you work here, you should be here on weekdays, right?"

"Yes, I just went to see my dad this morning. I'll be waiting for you here. Please hurry up these two days."

"Okay, then come and handle it. I'll have to trouble you to talk to your dad about the delivery date of the ship."

"Okay, as long as you can come over to apply for a loan, I'll help you talk to my dad."

Ye Yaodong nodded and went back with A Guang first.

As soon as Ah Guang walked out the door, he started cursing, "I was so happy at first, I thought I had found a boat, but now, you didn't even explain it clearly, I'm so happy for nothing."

"One hundred thousand is indeed a lot. If I lend it to outsiders, I'm afraid they will run away. Transportation is not well developed now. There are outsiders from all over the country here. If they run away, I'll have nowhere to find them."

"What should we do? Do you go to the layman boss? Or do you go to Captain Xu?"

"Su Ren is not at home. He is out running for goods. I don't think he will be back until the New Year. Forget Captain Xu. We don't have much contact and we are not very familiar with each other. It's okay to ask him about things, but he dare not guarantee it. It's 10 yuan. If I run away, the bank will ask him to pay it back."

"I had originally thought it would be a beautiful life, I could make money and then pay back the money, it would be free, but now it's gone."

Ye Yaodong wondered if there was any way...

"Let's go, let's go back. You're wasting a day doing nothing. Sigh."

"Do you feel disappointed?" Ye Yaodong asked with a smile as they walked.

"Of course, I hadn't thought of taking advantage of this. I owe the country money, and I feel a bit burdened. Now I don't even have the qualifications to owe it, which makes me feel even worse. I want to borrow more, and my heart suddenly feels like it's being scratched by a cat. I feel a little unwilling, even though I'm almost getting the boat."

“And then, bam, the happiness is gone.”

"Yes, that's what it feels like."

"There's nothing we can do now..."

A Guang sighed.

"Hey, can you use your certificate as vice president of the Fisheries Association to apply for a loan?"

"Say you need someone."

Ye Yaodong was thinking, why not buy a house and some land? And then get a mortgage?
Just now, Shen Ming'e didn't seem to deny it outright, so she asked him what collateral he had.

Anyway, houses and land are not valuable now. If I buy them, at least I will have assets in the local area. And I have the certificate of vice president of the Fisheries Association, so they should be able to make concessions, right?

Yes, he will definitely pay it back.

When he thought of this, he paused for a moment and said, "Wait, I'll go back and ask again."

After saying that, he immediately turned around and trotted back to the bank.

"What are you going to ask?"

"I asked if I could buy a house and some land and use them as collateral to get a loan?"

"The house and the land don't have much money, how can you lend me that much?"

"Ask."

It is not valuable now, but it will be valuable in a few years, and very valuable. Anyway, he will definitely pay it back.

If you mortgage your house and land to the bank and spread the word, you won't have to worry about the locals occupying the land.

The name of the government is always more intimidating, and no one would dare to make any moves even if the government is not around.

Once he gets the fishing boat, he will use the money he earns to pay it back, and in this way he will have gained money for the house, land and boat.

He had not originally thought about buying a house or land, but now the thought had filled his mind.

I didn't have this idea before because if I bought the house and the property wasn't here, it would be occupied by the locals and it would be a waste of money. Now I can just mortgage it to the bank, so I don't have to worry about it anymore.

When the New Year people leave, take a few seals and stick them on...

I'll take it off next time...

After thinking about it, he also thought it was a good idea.

Shen Ming'e watched them go back and forth, and asked curiously, "Did something fall down?"

"No, if I have a local house and land, can I get an interest-free mortgage?"

"sure."

"A loan of 100,000 is fine."

"It should be possible. There is no collateral for interest-free loans. As long as the locals can show their assets, it will be fine."

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

"Then you've got it done, come here early."

"it is good."

He pulled A Guang and walked out again.

"No, why do you need to buy a house and land?"

"Otherwise, is there no other way?"

"Well, we don't live here, so why buy a house and land?"

"Use it as collateral, and then when the fishing boat makes money, let it appreciate in value. If there is a bank that offers a loan, I will mortgage it to the bank and spread the word. Since the owner is not around, few people will be interested in it."

"I originally thought I could get a boat without spending any money, but now I have to pay to get in..."

Ye Yaodong patted him on the shoulder and said, "Are you stupid? Buying a house and land is also making money now, and there are banks that use it as a banner. You just need to get the fishing boat and pay it back with the money you make, right? Then you will have a house, land, and a fishing boat, right?"

"Alas, I was thinking of not spending a penny before, but now I have to spend money first."

"It's all worth it. If I really asked you to advance 10 yuan to buy a fishing boat, could you afford it? Of course not. Now as long as the bank connects with the shipyard, you can get a boat for free."

"Well, let's go back and ask if anyone has a house for sale. As for land, I think it will be difficult to buy."

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

Some forest slopes are not suitable for planting and will be demolished to build houses in the future. It is even more troublesome to buy land from farmers.

"Dongzi, how come you can think of everything?"

"I'm smart. Let's go. The sun has set. Let's go back quickly."

When Ye Yaodong returned, his father also asked about it, but he just casually said that it was done and he was in the process of going through the formalities.

Anyway, his father went out to sea at night, so he didn't have to worry about it, he could do it on his own.

After dinner, he reunited with A Guang. After discussing it, they decided to have a small talk with A Zheng.

Otherwise, they would come to their senses later and say that they did not bring them along and missed out on such a good thing.

Once you are afraid of snake bites, you will be afraid of ropes for ten years.

We all grew up together and work hard here together, so this is not a small matter. You can let them know, and it’s up to them whether to do it or not.

The same goes for his elder and second brothers, they are all his own people, but he doesn't think highly of them.

They are all honest people. I guess they would shake their heads immediately when they hear that they need to apply for a loan from a bank.

Everyone has his own ideas. Since everyone is here, he should speak out if necessary.

If he were to persuade him, he would definitely not do ideological work as if he were his own father.

He was not optimistic about the loans taken out by so many outsiders. He felt that there was no problem with him, but the others would most likely be rejected.

He also said this when a few people gathered together, expressing his disapproval of them.

Xiaoxiao and Azheng, who were originally very excited, immediately shook their heads.

Xiao Xiao said: "Forget it, this is probably very troublesome. They have always extorted money from the common people. How can the common people pay out money without paying a price?"

Others nodded.

"Yeah, it's not that good of a thing, anyone can get 10 yuan out of it."

"Forget it, you can do it, we won't do it, the profits here are pretty good, and we've made enough money."

Ye Yaopeng and Ye Yaohua also refused.

Ye Yaopeng said: "It sounds like we need to get a bank loan, and we are all nervous. Now we need a loan to buy a house or land. Oh my god, it's not possible. You can just do it yourself."

Ye Yaohua also said: "I can't do it either. It's scary to hear this. Now we have a SF Express number and we are content. Dongzi, you should also take it easy. Don't follow everything you hear. This thing sounds scary..."

"I know my limits. I've always thought you wouldn't follow me, but I still wanted to tell you so that you won't blame me for not telling you later."

"Won't……"

"That's good. Then don't mention it when you call home. Keep it a secret for me."

The eldest and second brother looked at each other and said, "You are not going to tell Qing yet?"

"What's the point of her knowing? She'll just worry about it. She's so far away, it's useless to worry about it. It's better for her not to know."

"Such a big thing..."

"Be a man. Do you have to call home and report everything you do outside? She just needs to worry about the family. When I get home, I will tell her what I should tell her, and I will tell her what I shouldn't tell her later."

"Ok."

Ah Guang also said: "Don't tell Huimei about this..."

"it is good."

Ah Zheng looked at them curiously, "How come you two are so brave?"

A Guang looked at Dong Zi, "It was him, not me. I just followed him."

Ye Yaodong smiled and hooked his shoulder, "Then tell me, have you made a fortune following me?"

Xiao Xiao said: "He must have become rich. Didn't you see that he has more than a dozen boats? Originally, everyone was the same."

Ah Zheng propped up his chin with his hand, "I was quite tempted at first. You were planning to go for it, so it must make sense and you can make money. But you said we didn't have much hope, so forget it. We don't know when this overwhelming wealth will come to us."

"I've made a lot of money, haven't I? We're almost getting two boats for our family, and I'll have to ask you guys to treat me when I get back."

"Haha... this is necessary..."

"Let's go home and sleep."

Ye Yaodong looked at A Guang, "Your father is going out to sea this time, so you're staying at home?"

"Of course. How can I go out to sea if the loan is not settled? If I leave my father behind to run away with you, won't you be furious?"

"As long as you know."

"My father just has some small thoughts, but he doesn't harm anyone..."

"I know everyone has their own little thoughts. If a person does not work for himself, he will be punished by heaven and earth. I am no exception. I will go back to sleep. I will go buy a house and land tomorrow, and then I will go to the shipyard to look at the ship."

"it is good……"