"What! Make a loan!?"

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

"How is that possible? What kind of loan can we make? If we can't make a loan, well, why should we borrow money from the state? That's not possible. We are all responsible people. How can we owe money to the state? What will it look like in public?"

When the father and son were sitting at the door after lunch, Ye Yaodong mentioned it to his father. Unexpectedly, his father had a huge reaction.

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

His father is also an old man with backward ideas, so he will definitely not be able to accept it. He would have to put in a lot of effort just to do ideological work for his father.

It's not enough if you don't do it. Shen Ming'e will still know when she comes to the door. Then the reaction will be more intense, so you still have to tell him in advance and let him digest it.

Ye Yaodong coaxed and lied, telling his father what he told A Guang that morning, breaking it into pieces, and crushing it again, so he didn't react so much.

But I also really don’t want to get a loan, and I’m extremely resistant.

"You are a good person, 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 also have many ships..."

"If you borrow money from others, you will lose your face. When you see others, you have to be inferior to others. You actually went up to borrowing money from the country. What is there to take advantage of? You have to pay it back anyway, so it's not

Free gift."

"Don't deal with these crooked things. Let's take the right path and go fishing in a down-to-earth manner. If you want to buy a boat, you can just spend your own money. Why do you need to borrow it from the country? You will have to pay it back when the time comes."

"It spreads to the village that you want to take out a loan to buy a boat. You have such a bad reputation. When you go back, you will probably be scolded by your mother and even your wife will have to fight with you."

Ye Yaodong is drooling at the thought, but his father still says this.

"The key is that I don't have any money now. This is sponsored by the state in vain. We are also supporting the development of the port."

"Paying for yourself and paying for it from the state are two different things. Paying for it yourself is very painful. Although I can afford it, didn't I just spend 100,000 yuan? If I ask you to pay another 100,000 yuan, can you pay it? You

Are you willing to give up?"

Father Ye quickly shook his head, "You can't even beat me to death."

"Isn't that right? We are now supporting national construction, and the country gives us money to do it. If we use the money to buy a boat, wouldn't it make us feel bad?"

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

"Then why don't we just wait until we earn money from working and then pay it back? Just think of it as renting, right? The country rents you a boat, but you don't have to pay the rent. You can pay back the cost of the boat after you earn money.

Isn’t that great? Isn’t this the same as working hard for several months and getting a boat for nothing?”

Father Ye was silent for a moment, digesting what he meant by "renting".

Ye Yaodong said again: "When will I save enough money to buy another one? A steel fishing boat costs tens of thousands, and you can buy it even if you want to."

"That girl's father is the director of the factory. I loaned her money to bring her business, and she helped me through the back door, so that the ship can be obtained faster."

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

"Now if a man comes and tells you that he will drive the boat for you, and after three years, as long as you return the principal of the boat to him, the boat will be yours forever, do you want it?"

When Father Ye said this to him, he was instantly moved, "Then I definitely want it...this...doesn't this mean that the boat will be given directly to me? I can return the principal to him in a few months, and the boat will still be mine from now on."

of……"

"That's it, isn't it? Isn't this loan equivalent to giving me a boat directly? I don't need to bear any burden, I just need to pay it back after I earn it."

Even if Father Ye wanted to retort, he would still pay it back, but he felt that the metaphor he just used was indeed equivalent to giving away the boat for free.

In fact, the difference lies in whether he has to contribute the money. Ye Yaodong really can't afford it at this time, and the debt has not been paid off.

There is a big difference between having to advance funds yourself and not needing to advance funds yourself.

Just like that cargo ship, it's like paying for it yourself.

More than 100,000 yuan was spent, but the boat was still being renovated and no money was invested in it.

But now it's like a loan. The ship is built for him first, and he will make up the principal later when he makes money.

Ye Yaodong saw that his father was also a little involved, and patted his shoulder, "Stop worrying, you just need to work, I will take care of all the brain work."

Father Ye slapped his hand away, "I'm afraid you'll mess around, why do you come here? As soon as I talk about this loan, I'll be laughed at and respected. If I'm so rich, I still owe money to the bank."

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

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

If you have a million dollars, you can only borrow a million dollars by taking out a mortgage, or take out a mortgage.

"You just spent 100,000 yuan to go out. If you get a loan and pass it home, they will all be anxious to death. They probably want to chase after you."

"What are you afraid of? You're far away. If you call me to scold me, just hang up. Don't let it get in the way. Anyway, you should call me safely. If they know about it, if you scold me, just hang up."

"You said something so tough, why didn't you just hang on to me?"

"Don't they all scold you?"

After Ye Yaodong said that, he quickly jumped away to save his father from taking off his shoes.

"You little bastard..." Father Ye cursed and couldn't catch up with him.

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

The two friends were at sea and had not returned yet. They had to wait until evening, but they were not in a hurry.

He slowly walked over to A Guang, who was also sitting with Father Pei talking.

After he walked over, he didn't say anything. He just watched other workers playing cards there.

Father Pei asked him, "Ah Dong, are you sure you want to take out a loan to buy a boat? Has your father agreed?"

"Why should I ask him to agree? The boat is for me, not for him, nor for him to make a loan. I just need to inform him of my own ideas, and he can't be my master."

A Guang secretly gave him a thumbs up, and then said to his father: "Did you hear me? I make the loan myself, and I'm not asking you to loan it. From now on, it will be my ship, so you should stop worrying. I

Have your own sense of proportion.”

"Okay, then you two have to go and inquire to see if the bank really has this policy, but don't be fooled by others. Then you won't get anything and you will suffer a lot of losses."

"Definitely. We can't just listen to what others say. We definitely have to inquire."

"Well, let's see how much we can borrow. You have to take out a loan anyway. A loan of 10,000 is also a loan, and a loan of 100,000 is also a loan. Just borrow more. Don't give up the ship for free."

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

"When will the person come? When you are sure how much money you can borrow, you can tell me and we will discuss it and see what kind of ship we want. Also, we have to go to other shipyards to inquire about the same configuration. Other shipyards have the same configuration.

No matter what the price, you can't let the father and daughter get ripped off. The money coming out of the bank goes directly into the pockets of the father and daughter."

"knew."

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

"nailed it."

"Your father is quite easy to talk to, isn't he?"

"Who can't talk about taking advantage?"

"My dad was scared to death. As soon as he heard about the loan and the need to borrow money from the bank, he immediately jumped up and objected."

"This is normal. The older generation are more conservative. They have to save enough money and have a lot of money before they are willing to spend a small part of it on purchases. Otherwise, even if they have money, they will not be willing to spend a large amount of money.

.My father immediately objected when he heard about it, but when he talked about it later, he was not so firm and still allowed me to analyze it for him."

"Well, it's almost the same. I analyzed it for him for a long time before I had nothing to say."

"Then where are we going now?"

"Didn't your father just say, let us inquire more to see if this is really the case in the bank? Let's go? I forgot to ask her which bank she is from. I can ask any bank."

A Guang hurriedly followed up, "Yes, we need to go to the shipyard to ask and see the configuration prices of various fishing boats, so as not to know that we are getting a loan and don't have to pay for it ourselves. What if we are given a false report?

"

"Well, ask them all. There's still another day tomorrow anyway, so there's nothing wrong with running around more."

"Where's your bike?"

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

"That's okay. I'll have to stay here for a few months and I'll need it eventually. If I even order a fishing boat at the shipyard, I'll have to go there often to check it out."

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

"good."

Shenjiamen is just a street, not big, about the size of a town, but it is a fishing port with a large immigrant population, and there are actually two banks and a post and telecommunications office.

After the two bought the bicycle, they visited several stores. Not only did they ask about it, they also met Shen Ming'e directly inside the state-owned bank.

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

It was said that foreigners like them could only get 100,000 yuan at most, but she had to help with this, otherwise it could only be 50,000 yuan at most, and a local person would be required to provide a guarantee.

"You still want a guarantee?" A Guang asked in surprise.

"Yes, you are not locals and do not have a local household registration certificate. This interest-free loan is provided to you. What if you run away?"

"We have a certificate issued by the village, can't we just bring it over?"
To be continued...