But at any rate, he also borrowed 200,000 here. If there is no limit on withdrawing money from the VIP account, that would be fine.
The level of interest rates is secondary to him, it's just the icing on the cake.
Just put it in now, and when he goes home, you can take it all out in one go and take it back.
Again, since there is no Internet now, he is worried that the money will be gone. He has no other way out of town, and he is also worried that he cannot withdraw it all at once.
The average person's salary is only a few dozen yuan, and a family's income is several hundred yuan a year, and they still have to spend money. How can they have money to deposit in the bank? Nowadays, very few people can go to the bank to deposit and withdraw money.
Only when relatives in other places remit money do people go to the bank to withdraw money.
Ye Yaodong was very poor in his last life and had never saved any money. When he was a crew member, he would always get cash to go home during holidays, and he was already almost an old man.
"Let me take a look at the annual interest rate. There is a table. The deposit time is different, and the interest rate is also different. Please wait for me." After Shen Ming'e finished speaking, she hurried to the office upstairs.
Ye Yaodong had no choice but to sit and wait, while he also thought about whether to save it or not.
If you really want to open a VIP account for him, then he thinks it's okay.
It feels safer than keeping the money around and hiding it in various places.
Compared with the risks of banks, the risks of people are greater. Never consider human nature.
He only waited for a short while, and Shen Ming'e took the form directly for him.
"You can see for yourself, everything is listed clearly, and the interest rate is not low, it is higher than what I saw in foreign banks."
Ye Yaodong took a closer look and found that the annual current interest rate was 2.88...
“Three months 6.3!”
He was surprised and glanced at Shen Ming'e.
"Yes, that's why I asked you to deposit it in the bank. Don't exchange it for 50 yuan banknotes. How unsafe is it to have so much money in your hands? There will be interest if you deposit it directly in the bank. If you need it, please notify us a week in advance and the account manager will
Inform the bank to have the money ready and it will be withdrawn for you when the time comes."
Ye Yaodong no longer cared about listening to what she said, and stared at the list in his hand one by one.
Half a year is 7.74, one year is 10.08, two years is 10.98, three years is 11.88, and five years is 13.68!
"Fuck..."
"What's wrong?"
"nothing."
He widened his eyes and looked again. Yes, there was no dazzle.
“Interest rates are so high!”
"Yes, that's why I advise you to make a deposit. We can also open a VIP account for you and assign you a dedicated business manager."
He takes back what he just said, who said interest rates are secondary to him, they are just the icing on the cake!
Damn it, if he saves it for a year, 200,000 yuan can earn 20,000 yuan more in interest!
It's much easier to make money than him collecting rent.
And he borrowed 200,000 from the bank, did nothing, and deposited 200,000 more, and the interest in three years was more than 70,000?
Damn it! The loan is short!
Didn’t he gain blood by doing this?
He originally thought that if he had too much money on hand and it was no longer possible, he could simply repay the loan in advance to avoid being unsafe.
Who wants to pay back this damn thing? Of course I will save it and earn interest!
The interest rate is so high, the time deposit for 5 years is more than 13 points!
"Do you have a calculator? Calculate for me how much it would cost to save 200,000 for 5 years?"
"One year is 27360, five years is 136800."
Ye Yaodong was shocked!
After five years of storage, more than half of the blood will be recovered!
Nearly 70%!
How could he not know in his previous life that interest rates are so high these days!
He knew it would be high, but he didn't know it was so high!
You can't even collect that much in rent. Although you can make huge profits by buying a house or land in the future, it won't be so explosive in a few years.
Now this deposit is simply the best financial management!
Now I deposited it in 1987 and took it out in 1992, just in time to buy land!
Ye Yaodong slapped his thigh fiercely, "Oh my god."
Shen Ming'e was a little confused by his actions, "What are you doing?"
"Too late!"
"Hey, let me tell you, just deposit it and see how long it takes."
"Are you sure you can get it?"
"Don't worry about this. We are such a big bank. We are a formal state-owned bank. We are much more reliable than credit unions. We will give you a passbook and deposit slip for deposits. What are you afraid of?"
"Who is my business manager?"
"I!"
"Okay, if you don't give it to me after five years, I'll have to bring hundreds of workers to your house to pay off your debt."
Shen Ming'e looked at him speechlessly, "Don't worry."
Ye Yaodong was really excited about the 5-year regular interest rate of 13.65 years.
He still has about 700,000 to 800,000 yuan in cash at home.
This was what was left after investing in the fish canning factory, in which he invested 80,000 to 90,000 yuan.
The cash at home is enough now, and he still has to find a way to spend it, but he can't spend that much. If he really spends it, Lin Xiuqing will definitely not be able to part with it.
Now that the bank has such a high interest rate, he thinks he might as well just deposit the 200,000 on a regular basis.
Otherwise, just leave it alone, just like the money at home.
He repaid the loan of 200,000 yuan to this state-owned bank and just pretended to believe it.
"If 200,000 is deposited on a three-year term, how much is it per year? If it is deposited on a five-year term, how much is it per year?"
"The three-year regular payment is 23,760 per year, the three-year regular payment is 71,280, the five-year regular payment is 27,360 per year. After five years, in addition to the principal of 200,000, you can also receive 13,680. The difference between two years is 65,520."
"So much difference!"
He took the calculator and calculated it again.
After thinking about it, 5 years is still a good deal, since he still has a lot of cash at home.
I have earned 200,000 yuan in just over a month, and I can earn more than 100,000 yuan this month. When I get home, I will be able to save a lot of money and take it back with me.
It's better to deposit the money you have now to be safer.
The key is that his interest rate is so good!
If you save for 5 years, you can get back 70% of the principal in interest alone.
It is impossible for him to spend all the money at home, and Ah Qing will definitely not agree to it.
Just keep this money just in case.
For his current efficiency in making money, it is not very high. He can earn it in a month, but at the critical moment, this money can save his life and help him make a comeback.
Three Cunning Rabbit Cave.
Then, after a few boats from the factory are handed over, in a few months, he will accumulate a sum of money on hand, and then use it to book a 40-meter large boat.
In this way, he won't always have a lot of money. At least the money he earns in these few months will be arranged.
Shen Ming'e persuaded him again, "I suggest you just save for 5 years. The interest rate is always changing. If you have this interest rate now, you may not have it in the future."
This is true!
This interest rate is only available now. Although it will not be cut in half in a few years, it will definitely fall.
Only in the millennium will it be cut in half and interest rates will continue to be cut.
She added: "You have so much money, it is very cost-effective to save it, otherwise it would definitely not be safe for you to carry so much money with you."
"This interest rate may not be considered high for ordinary people, because if ordinary people save only one or two hundred, they will only get a few dollars more throughout the year."
"It's different for you. You are a big boss, and you have a lot of funds coming in and out. If you have some spare money saved just in case, you can also save it to earn interest."
Ye Yaodong said: "You are right to come to work in the bank. Since you are so sharp-tongued, no wonder you have become a business manager."
"Nonsense, I obviously know a lot of people and they all got me as clients."
"I saved so much in one go. Not many people can do it, right? Are there any benefits?"
"We will give you rice, flour, grain and oil. If you deposit 200,000 in one lump sum and save it for 5 years, I will apply for you to get more."
"Okay, then I'll bring the money to deposit in the afternoon, and you can help me get the business done. I'll also bring people over to move rice, flour, grains and oil."
"OK."
"By the way, if you save for 5 years, will the interest be paid every year, or will it be paid in one lump sum after 5 years?"
"The settlement is done every three months. You can come over with your passbook to check it, and it will be calculated for you. But you can come and check it, and it will be calculated, but you can't withdraw it until it expires."
"Understood."
"Then remember to bring it over for processing in the afternoon."
"OK."
Ye Yaodong brought 10,000 yuan here and brought another 10,000 yuan back, still very happy.
The money he hid in the mattress last night was in vain. When he got back, he pulled the mattress aside and dug out the money hidden in the mattress one by one.
He specially took a sack, put some straw in it, and threw 200,000 yuan into it.
In addition to the 200,000 yuan, he only had a thousand yuan left. Yesterday, several ships went out to sea. He spent about seven to eight thousand yuan on fuel and ice.
But it doesn't matter, it's easy to live without money. Tomorrow, someone will send a ship to collect the goods, and when the goods are recovered, he will have money again.
This shipment has already been booked.
After sorting the money, he tied it up with hemp rope and stacked it with the dried fish before going out for lunch.
After going back and forth all morning, it was time for dinner.
The workers watched him go out in a hurry in the morning and then locked himself in the room when he came back. They only nodded and did not stop to greet him.
"Brother Dong? Why are you in and out in a hurry?"
"I'm going to do some work. Five or six of you will go out with me later."
"Okay, what are you going to do? Buy groceries?"
"Moving food."
"Oh, okay, there are so many of us, food is indeed consumed very quickly."
"I'm going to cut two kilograms of fat meat later and cook taro rice for dinner at night. There are also ear beans. Mixing them in and cooking them together can save some food."
"Okay, okay, this rice is delicious."
"I'll buy a pig skull tomorrow and stew taro tomorrow night."
"good."
Pig skulls are the cheapest bones, and they also contain meat. Each one can cook a big pot, enough for so many of them to eat, and the bone soup they make is also fragrant.
When he came up, he had hoeed several sacks of potatoes and taros at home and brought them all up, as well as a pile of winter melons, pumpkins, cabbage, red beans, soybeans, mung beans, pickles and dried vegetables. Now he only needs to buy meat when he goes out.
He estimated that if he went back at the end of the month, he would be able to pick out several sacks of radishes and sweet potatoes.
After the workers finished eating, six of them followed him out to move food, and the rest helped build houses at the construction site.
Everyone thought they were going to the grain station to move, but what they didn't expect was that they were going to the bank.
Standing at the gate and looking up at the sign above, everyone was a little confused.
"Brother Dong? Did you go to the wrong place?"
"That's right, you guys wait here first." After Ye Yaodong said that, he went in first.
Others stood at the door, you looked at me, I looked at you, and then you suddenly realized.
"I understand, Brother Dong is here to withdraw money, and then go to the grain station to buy grain."
"I said why did you come to the bank..."
"Then just wait here..."
Ye Yaodong went in and stayed for almost an hour before finishing his business and came out.
The sack he was carrying turned into a bankbook with a string of zeros on it, which made him feel a little complicated.
It still smells good and feels good after putting a lot of money in your hands, but now I feel empty.
Such a large amount of money suddenly disappeared and turned into just a few figures, which made me feel a little disappointed.
I feel a little bit regretful because I can’t withdraw it for five years, so I can only come back every few months to check the interest increase.
I feel a little sad that my money is gone.
"Brother Dong is out..."
Check out the correct version one by one!
"Brother Dong has withdrawn the money, why does it take so long?"
Ye Yaodong put his bankbook in his pocket and put it away, "Come in and move the food."
"Come in and move?"
"A Dong?"
"The bank gave me a batch of rice, flour, grains and oil. Come in and move it."
Everyone was surprised. It was given by the bank?
But seeing that he didn't look like he was joking, I had to follow him in doubtfully, and then looked at the piles of rice, flour, grains and oil already piled up in the open space in the middle.
"This?"
"Wow, there are so many, and the bank even took the initiative to send us rice, flour, grains and oil?"
"What us? It's for A Dong!"
"What A Dong? You have to call me Brother Dong outside! Or call me the boss!"
"Hahaha, it's no coincidence that even the bank wants to give Brother Dong so many things. What has Brother Dong done?"
"The bank girl from last year is here, she must have taken the initiative to give it to Brother Dong!"
"Could it be because Brother Dong is rich and good-looking..."
"You want to be our sister-in-law..."
Ye Yaodong saw them chattering to each other in dialect, and kicked the nearest one.
"What are you talking about? Move it quickly."
"Are these all?"
"Yes, move them all back."
"Okay."
Ye Yaodong looked at Shen Ming'e again, "Thank you very much, Comrade Shen Ming'e. I'll have people move these things back first. I'll definitely come here every few months to check the interest. I'll have to trouble you."
"It's okay, no trouble. I'm here anyway. You come here every now and then, so I feel more at ease."
"Are you afraid that I will run away and not repay the loan? That's why you have been persuading me to make fixed deposits so that I can't run away."
"Hahaha, you already know this."
"As long as the deposit is reliable, I will definitely not let my life be stained."
Shen Ming'e gave him a thumbs up.
"Let's go now. Goodbye."
"Goodbye, come back when you have time."
Ye Yaodong went out with a group of people. His sack also contained several bottles of rapeseed oil, which he easily carried on his shoulders.
None of the seven people had anything left on their hands. Some carried two or three bags of flour, some carried rice, and some carried coarse food. Everyone's shoulders were full, and they were sweating profusely as soon as they walked out.
"Brother Dong, does that bank girl have a crush on you?"
"What nonsense are you talking about? I have a wife and children. That lesbian is a highly educated person. Don't talk nonsense."
"Hey, I thought she fell in love with you and sent you so much food."
"No, I went to the bank to make a deposit, and the bank gave it to me."
"No wonder..."
"Don't talk nonsense when you go back, and don't make blind guesses."
"clear."
He hasn't discussed depositing 200,000 in the bank with Ah Qing, but it's not a big problem.
When he saves more money this month, he will be able to save another sum and bring it back. Then he will tell her about the annual interest rate. It can really be regarded as a huge profit.
Anyway, I just keep the money on hand. I have too much cash and I don’t want to spend so much. So I try to save some of it to earn interest.
This amount is considered to be what he can afford now.
After carrying all the food home, Ye Yaodong got on his bicycle and walked to the Chamber of Commerce.
Next, he stayed on the shore to receive the goods, which gave him plenty of time to spend in the Chamber of Commerce every day.
On a hot summer day, I can play cards with everyone, eat watermelon, and drink tea during the day.
When the sun goes down, I go to the dock to collect goods and get busy delivering goods.
After the fishmongers and bosses from the chamber of commerce heard that he didn't have to go to sea to collect the goods, they both agreed. That's how it should be. The workers are invited to do the work instead of doing it themselves.
Today happens to be a Friday, and everyone who is free will come here. Those who are not are at sea or busy working in other places.
Now everyone inside is his familiar face. He has been staying at the Chamber of Commerce whenever he has free time in the past two months, and it's not in vain.
And today he happened to meet Li Shouquan from the same fleet that fished for shrimp skin last year. Last year, he also made a lot of money by collecting shrimp skin from others.
When he saw it now, he quickly went up to say hello.
When people saw him, they greeted him warmly and wanted to put their arms around each other, but they were a bit short and couldn't reach him, so they just patted Ye Yaodong on the back.
After reminiscing for a while, Ye Yaodong realized that he came up early last month, but he immediately went to sea to fish and had no time to come here.
And he was too busy in the first half of the month, so he didn't meet her.
Since the middle of last month, he has been busy building a house and has no time to come here all the time, so he didn't encounter this.
I asked casually at this moment, and it turned out that they had built a boat themselves and transformed it into a fresh-harvest boat, specifically to collect the goods from the villages they brought out.
Ye Yaodong couldn't help but give him a thumbs up, "That's okay, the good news won't go to outsiders."
"Haha, I want to make any money, but I'm sorry, brother, I can't collect the goods from you this year."
"No, what's wrong with that? They're from your own village. It's normal for your own people to own a boat. If you want to make money, of course you make it first. What's there to say?"
"Haha, I didn't think too much about it, that's good."
"That's not possible. If you want to collect it for me, I can't do it this year. I have a few more ships to dock with me. Now the fresh harvest ship has to go out to sea to collect a ship every day, and it's not busy at all."
"When I saw you here, I thought you were idle."
"Leave it all to the workers. I will collect the goods on the shore and deliver them to various places."
"That would save trouble."
An acquaintance nearby interjected, "Boss Ye is in a desperate situation right now. He has three to four hundred boatmen on hand, and he has fifty or sixty fishing boats. He can't even collect the goods from his own people."
"
"You're not making less money, are you, President Ye?"
"The expenses are also high. Accommodating so many people is a problem. Now I'm starting to build a house again..."
"You just built 15 buildings, are you going to start building again?"
"There are too many people and there is not enough housing. In the near future, there will be five large ships to be delivered to the factory, and another group of workers will have to be hired..."
"Wow~"
Ye Yaodong told the truth and boasted, and listened to everyone's tut-tutting and wow-wow.
People are like this. When the flowers are blooming, they like to join in the fun and everyone will carry the sedan chair.
Some people who were not very familiar with him at first began to praise him and take him as the center.
Some fishmongers have begun to choose him when ordering, and old acquaintances have also increased their orders.
When you have money, you are surrounded by really good people.
The boss also said that after the meeting, he was invited to have a massage.
"Didn't Lao Li's sweetheart open a massage parlor? Go to her place..."
"If you don't want to go, I won't go. I have to go to sea tomorrow. You go..."
"You lied again. Didn't you already say that the goods at sea were handed over to the workers? You just picked up the goods yourself?"
"Ahaha, hahaha..." Ye Yaodong laughed awkwardly.
"Let's not delay things. Let's go have some fun and relax. Let's have dinner together later..."
"It's just...it's nothing to go and have fun..."
The boss on the left and the boss on the right sat next to him and chatted with him. Ye Yaodong was also said to be a bit hard to refuse.
When they hold meetings now, they just set a time for everyone to communicate. In fact, there is nothing substantial to talk about. They can only talk about how many more members have been added and introduce the new members so that everyone can get more familiar with it.
Nowadays, people from all walks of life come here to make money. As long as there are people, there will be consumption, and various supporting things will gradually emerge.
After the meeting, Ye Yaodong went to dinner with several bosses he knew well and had business dealings with, and bought some orders by the way. Everyone became even more enthusiastic and wanted to invite him to the massage parlor and refused to let him leave.
Several people surrounded him and refused to let him go. They dragged him to a massage parlor.
He had no choice but to give in and enjoy it for a while, but when the bell came, he immediately left first.
However, they still held him back and asked him to continue, not to leave in a hurry, and asked his little sister to keep him.
Ye Yaodong had a big headache and quickly declined, saying that he had to go back before 8 o'clock and he had to abide by the rules he had set.
As he talked, he stepped back and promised to deliver the goods on time tomorrow night, and then he quickly rubbed oil on the soles of his feet.
After going out, he couldn't help but sweat a lot, and almost lost his virginity. These old fritters really enjoyed making money.
Ye Yaodong twisted his neck and rode the bicycle easily.
Not to mention, it feels really comfortable to squeeze it a few times. He has been very busy in the past month. From the moment he opens his eyes to the time he closes them, he is happiest when counting money.
And they have a lot of ways to be happy, Mad.
The money these people make is so bad that they can't even take it home, they are having a lot of trouble outside, and they actually spend money to open a shop for their old friend...
He needs to cover his pockets!
The workers in the factory saw that he was back. When he passed by them, he still smelled good, and everyone winked.
"What are you looking like? I'm going to discuss business and socialize normally."
"I understand, it's just a joke..."
"We will definitely not tell..."
Chapter completed!