"Then you have to find a local to vouch for it."

"They say we are outsiders, so how can we meet locals? If we don't have a local guarantee, won't we be able to do it?"

"Why don't you ask? See if anyone can vouch for you?"

Ye Yaodong also asked: "Is it okay to mortgage?"

"What's the mortgage? Do you have a house and land here?"

"No, can we use a fishing boat?"

"I guess not, because if you run away, the fishing boat will leave immediately, and someone will have to be a guarantee."

Aguang looked directly at Ye Yaodong, "Isn't this a nonsense question? I am a foreigner, where can I find a local to take responsibility for me? Ma De, I thought I got a big deal, but I didn't expect that I would need a local guarantor.

It’s a dream in vain.”

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

"Then we can only talk about it when we go back. My big ship was gone in an instant. I still wanted to go to the shipyard to inquire about it, so there is no need to waste my efforts."

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."

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

He glanced at A Guang and said, "Let's come here to find you. Anyway, we know you work here. You should be here during the weekdays, right?"

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

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

"It's easy to say, as long as you can come here to apply for a loan, I will help you talk to my dad."

Ye Yaodong nodded and went back with A Guang first.

Aguang scolded him as soon as he went out, "I was very happy at first. I thought I picked up a boat. Now it's better. I didn't explain it clearly. I was just happy for nothing."

"One hundred thousand is indeed a lot. If you lend money to outsiders, you are really afraid of them running away. The transportation is not developed now. There are outsiders from all over the country here. If they run away, there will be no place to look for them."

"What should we do? Should we go to the lay boss? Or go to Captain Xu?"

"The layman is not at home and has gone out to sell goods. I guess he won't be back until the Chinese New Year. Captain Xu, forget it. He doesn't have much contact and is not very familiar with him. It's okay to inquire about things. How can he dare to provide a guarantee? It's only 100,000 yuan. I

If he runs away, the bank will ask him to pay it back."

"Originally I thought it would be nice to pay back the money after making it, but now it's fine, it's no longer possible."

Ye Yaodong wondered if there was any way...

"Let's go, go back, work around, waste a day, ugh."

"Is there a gap in your heart?" Ye Yaodong asked with a smile as he walked.

"Of course, I didn't even think about taking advantage of this. I owe the country money, and I feel a bit burdened. Now that I'm not even eligible to owe money, it's even more uncomfortable. I want to take a loan even more, and my heart is like a cat scratching my head.

Yes, I’m a little unwilling to do so, as I’m obviously about to get the boat.”

"Then bang, the happiness was gone."

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

"Then there's nothing we can do now..."

Aguang sighed.

"Hey, do you think I could use your fishery association vice-president's certificate to get a loan?"

"Say you want someone."

Ye Yaodong pondered, how about buying a house or land? And then getting a mortgage?

Shen Ming'e didn't seem to deny it just now, so she asked him what he wanted as collateral.

Anyway, the house and the land are not worth much now. If you buy it, you will have assets in the local area. And you also have the certificate of vice president of the Fisheries Association. Should you be accommodating?

Pay it back, he will definitely pay it back.

When he thought of this, A Guang paused and said, "Wait, I'll ask again when I get back."

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

"What did you ask when you went back?"

"I asked if I can get a loan if I buy a house or land and make a mortgage?"

“We don’t have much money for the house and land, so how can we lend so much?”

"Are you asking?"

It's worthless now, but it will be valuable in a few years. It will still be very valuable. He will definitely pay it back anyway.

If the house and land are mortgaged to the bank, if the news spreads, there is no need to worry about being occupied by locals.

The name of the government is always more intimidating, and people don't dare to make decisions even if the people are not around.

When he gets the fishing boat, he can directly pay it back with the money earned. In this way, both the house, land and boat will be earned.

The idea of ​​buying a house or land was not in his mind at first, but now it was filling his mind.

I didn't have this idea before, because if you buy it, you won't be invaded by locals here. If you buy it, it will be for nothing. Now that you buy it and mortgage it directly to the bank, you don't have to worry.

When the New Year's Eve people leave, take a few seals and put them on yourself...

I'll take it off next time...

Come to think of it, he thought it was a good idea.

Shen Ming'e watched them go and come back, and asked curiously: "Did something fall behind?"

"No, if I own 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 show their asset identity."

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

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

"good."

He pulled Aguang and walked out again.

"No, why do you want to buy a house or land?"

"Otherwise there is nothing we can do?"

"Then we don't live here, so why buy a house or land?"

"Make a mortgage, and then after the fishing boat makes money, let it appreciate in value. There happens to be a bank that makes a loan, and the mortgage is given to the bank. If the news is spread, few people will make any decisions if no one is around."

"I originally thought I could get a boat without spending money, but now I have to spend money to get it..."

Ye Yaodong patted him and said, "Are you stupid? Nowadays, buying a house and land is also making money, and there are banks that use it as a banner. You just need to get the fishing boat and go back in after making money? That's not a house or land.

Are there any fishing boats?”

"Well, before I thought about not spending a penny, now I have to spend money first."

"As long as it's worth it. If I asked you to advance 100,000 yuan to buy a fishing boat, would you be able to get it? You definitely can't get it. Now as long as the bank connects with the shipyard, you can get a boat for nothing."

"Well, that's it. I'll go back and ask if anyone has a house for sale. As for the land, I don't think it's easy to buy."

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

Nowadays, some forest land slopes are not suitable for planting. In the future, they will be demolished to build houses. It will be more troublesome to buy farmers' land.

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

"I'm smart, let's go, the sun has set, go back quickly."

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

Anyway, his father went to sea at night, so there was no need to worry about it, he could handle it alone.

After dinner, he and Ah Guang gathered together again. They discussed it and decided to have a little novel with Ah Zheng.

Otherwise, they will come back to their senses later and say that they missed out on such a good thing by not taking them with them.

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

We all grew up together and worked hard here together. This is not a small matter. We can let them know and it is up to them whether they do it or not.

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

They are all honest people. I guess they would shake their heads immediately when they heard that they wanted to get a loan from a bank.

Everyone has his own opinions, but since everyone is here, he should mention them when he needs to.

If I were to persuade him, he would definitely not do ideological work like his biological father.

He is not optimistic about the loans made by so many outsiders. He thinks that he has no problem, but others will most likely be rejected.
To be continued...