Serious Crime Unit 1

Chapter 896 Life and Death Contract (7)
"No, I happened to be playing cards nearby. After playing cards, I thought of my aunt, so I stopped by to see her."

"Which door did you enter through, and which door did you exit through?"

"I go in through the west gate and out through the east gate, because the east gate is closer to the place where I have dinner, so I take the east gate."

"We have seen the surveillance video of the community. You entered through the west gate, and you were holding a red plastic bag in your hand. What is in the bag?"

"The bag contains cherries. My aunt loves to eat cherries. I happened to win money playing cards that day, so I bought two kilograms of cherries to honor her. But she was not at home, so I had to take the cherries back and eat them after dinner. , share the cherries with everyone."

"We suspect you of murder."

"Why do you have such random suspicions about me?" His expression suddenly changed, he was very angry and stared at Jiang Yiming with resentful eyes.

"First of all, because you lost the bet on your father's house, you have no house to live in, so you can only rent a house outside, and you often can't pay the rent. You must have a place to live; secondly, you are now penniless, and you have no money to live in." If you can't borrow money to gamble, if Lu Juxiang dies, the house will belong to you. There are various signs that you have the motive to kill." Jiang Yiming's eyes looked at him like knives.

"Your speculation is really ridiculous. I would rather commit suicide than kill my aunt. First of all, she is the person who loves me the most in the world, and I will never kill her. Secondly, her house has already been mortgaged to the bank and signed The agreement is to use the house for retirement, so after her death, the house will be owned by the bank and cannot be given to me."

"Oh? Have you seen the agreement she signed with the bank?" After hearing this, Jiang Yiming immediately felt that the information provided by Lu Xiaojun was very important.

"I didn't see the agreement. My aunt told me that her pension was only 1100 yuan and she couldn't afford to hire a nanny. However, because the bank would remit 7000 yuan to her account every month, a total of 84000 yuan a year. So, she lived quite well in her later years, but all her plans were shattered by me because she borrowed 30000 yuan from a friend and had to pay back 3000 yuan every month, so she fired the nanny. It’s all my fault. Unfilial nephew." He lowered his head, holding his hair tightly with both hands, looking distressed.

"Do you know which bank she signed a housing pension agreement with?"

"It seems to be a city commercial bank... and it seems to be a city and village bank... No, I can't remember clearly. My aunt told me not to tell anyone about it because there is a confidentiality clause in the agreement she signed with the bank. If one of the parties betrays Trade secrets must be punished.”

"Do you know where this agreement is kept?" If what Lu Xiaojun said is true, then they must see this agreement, because the content of this agreement may be valuable clues for solving the case.

"I don't know, and I don't care. The only thing I care about is winning or losing at the gambling table."

"I hope you will quit the bad habit of gambling from now on. You are still young. If you start a new life, you will still have many opportunities. A prodigal son will never be replaced by gold. You should wake up." Jiang Yiming stood up and patted his shoulder, very sincerely. looked at him and said.

He was speechless and lost in thought.

Jiang Yiming and Zhou Ting walked out of Lu Xiaojun's home. At this time, a strong wind suddenly blew in the sky, dark clouds were dense, thunder sounded in the sky, and it looked like it was about to rain heavily.Zhou Ting asked: "Captain Jiang, do you think Lu Xiaojun's words are reliable?"

"The micro-expressions don't look like he's lying."

"Where should we go now?" Zhou Ting opened the car door with the electronic key, sat in the cab, and asked Jiang Yiming sideways.

"I think we should find the agreement on housing for retirement that Lu Xiaojun mentioned. The agreement may provide us with valuable clues. Where do you think Lu Juxiang will put the agreement?"

"The safest place is her safe. When I was inspecting the scene, I saw a small safe hidden in her closet. However, we don't have the password, so it might be difficult to open it."

"Have you forgotten the lockpicking expert we hired, Wang Xiaoming?" "Yes, we haven't used him for a long time. You didn't say that I really forgot. You call Wang Xiaoming first. If he is free, we will pick him up. he."

Jiang Yiming took out his mobile phone and called Wang Xiaoming to explain the situation. Wang Xiaoming said that he was drinking tea in the office and was very free.Jiang Yiming said he would pick him up, but he said no. He would just take a taxi to Yaoting Community and ask them to wait for him at the gate of the community.

So Zhou Ting drove to the west gate of Yaoting Community and parked the car next to the gate. After waiting for a while, Wang Xiaoming called. He was carrying a backpack with all the lock tools in it, whether it was a mechanical lock or a fingerprint lock. , he can open it. Currently, he is studying to crack the face recognition lock.

After greeting each other, they went to Room 19, Unit 3, Building 102. The door was sealed by a cordon. Jiang Yiming handed Wang Xiaoming a pair of disposable shoe covers, then opened Lu Juxiang's door with the key and came to the bedroom.

Zhou Ting opened the right door of the wardrobe and took off the clothes covering the safe, revealing a safe about 60 cm high and 40 cm wide. This is an old-fashioned safe. You only need to enter the password and use The key will open it.

Wang Xiaoming looked at the safe and told Jiang Yiming that he would be able to open the safe. Jiang Yiming smiled and nodded to him.Wang Xiaoming squatted down, took out the instrument, and cracked the password. In less than 5 minutes, he unlocked the password. He then took out a master key, inserted it into the keyhole, turned it to the right a few times, and the door of the safe was unlocked. opened.

There was 600 yuan in cash in the safe, without any gold, silver or jewelry, and only a few documents. One of the documents was the housing-based pension agreement signed by Lu Juxiang and City Cun Bank. This agreement was signed on December 2008, 12.

The main clause of the agreement was that Lu Juxiang used the house as a mortgage to borrow money without interest. However, after Lu Juxiang died, the house would be owned by the bank, and the bank would remit 1 yuan to her account on time on the 7000st of every month until her death.The house was assessed at 74 yuan based on the market value at the time.

Of course, the bank's estimate was a bit low. According to the market price in 2008, Lu Juxiang's house was worth at least 90 to 100 million. However, Lu Juxiang still agreed to the bank's estimate. After all, she was the weakest party, and this was also a childless one. The helpless act of a womanless old man.

One of the stipulations is that both parties must keep the signed agreement confidential. If any party violates the confidentiality clause, it must compensate the other party for a leakage penalty of 10 yuan. This rule prevents people who live in housing for the elderly from telling the matter to anyone, even themselves. Neither can your spouse or children.

After Jiang Yiming read the agreement, he felt that Guo Liang should also have signed a housing-based pension agreement with Cities and Villages Bank, because Guo Liang's son and daughter were unwilling to support him, and he only had a meager income, which was not enough to guarantee his life. , so, like Lu Juxiang, he will sign a housing-based pension agreement.

After Jiang Yiming put the agreement into the evidence bag, he asked Wang Xiaoming to go to Guo Liang's house with them, because there was also a safe in Guo Liang's living room, which might contain the same agreement as Lu Juxiang. If so, Then, CCB has serious suspicion of murder.

After they arrived at Guo Liang's home, Wang Xiaoming began to try to open the safe. Within a quarter of an hour, Wang Xiaoming opened the safe. As expected, there was a housing-based pension agreement signed by Guo Liang and CCB. The terms were the same as those of Lu Juxiang. The agreements are similar. The main difference is the valuation of the house.

Guo Liang's agreement was signed on June 2008, 6. At that time, his house was valued at 1 yuan. Chengcun Bank remitted 65 yuan to Guo Liang's account every month. After Guo Liang's death, the house was owned by Chengcun Bank. For banks, this is a risky investment because if the homeowner is over 6000 years old, the bank will lose money.

Calculated based on Lu Juxiang's agreement, if she lives to 88 years old, the bank will have to pay 84000 yuan every year and 840000 yuan in ten years. In short, urban and rural banks hope that the homeowner will die soon. The sooner the homeowner dies, the more money the bank will make. Otherwise, the bank will lose more money.

City and Village Bank is a private enterprise with a small scale. It is a small bank. The decline in housing prices in recent years has made them breathless. In addition, the number of dead and bad debts has increased day by day. City and Village Bank is almost on the verge of bankruptcy. In this kind of situation, Under such circumstances, auctioning the deceased's property is the best way to save lives. Therefore, CCB will most likely take risks and kill the homeowner in a way that the police cannot detect.

The agreement has the official seal of CCB and the signature of Chairman Shen Weimin. The agreement was signed between CCB Jiangbei District Branch and Lu Juxiang and Guo Liang.

Jiang Yiming and Zhou Ting went to Jiangbei District Chengcun Bank to investigate the accounts of Lu Juxiang and Guo Liang. Sure enough, they found that Chengcun Bank remitted 7000 yuan and 6000 yuan to Lu Juxiang and Guo Liang's accounts respectively every month.This shows that the content of the agreement is true.Jiang Yiming asked the bank teller to print out the running accounts of Lu Juxiang and Guo Liang, and the teller agreed.

It is impossible for tellers at the bottom of the bank to know about such murders. It is decided by senior figures and kept strictly confidential. Therefore, the teller quickly printed out the ledger and handed it to Jiang Yiming.After Jiang Yiming took the running account, he put it into the evidence bag.

Jiang Yiming felt very heavy because Chengcun Bank definitely killed more than just Lu Juxiang and Guo Liang. There could have been several, even dozens, but the deceased were treated as sudden deaths of illness by their families, because the deceased were almost 80 years old. It is very easy to die suddenly when you are old, otherwise it would not be called a dying year.

(End of this chapter)