A Comprehensive Black Belly Movement

The crutches kept falling to the ground, and Sakayanagi Arisu limped away, "How boring!"

Kanping Katsuragi narrowed his eyes when he saw her back.

......

"Nishinomiya, I'm sorry, I don't seem to have enough points..."

11 Haruki Yamauchi touched the back of his head awkwardly.

Class D's score of "101cp." last month corresponds to "10100ttp." of personal points obtained this month. Haruki Yamauchi borrowed 15000ttp from Nishinomiya Shiichi last month, which is obviously unable to repay.

"It's ok!"

Nishinomiya Tsujiichi smiled kindly, and sent a document to Haruki Yamauchi like the previous ones; "This is a contract related to the minimum repayment, you only need to fill out this month and only need to pay back 1010 points."

"Thank you so much!"

Haruki Yamauchi took the material excitedly.

"..."

Horikita Suzune, who was leading the table, looked at it and sighed inwardly, 'Poor fellow! '

As Nishinomiya Tsuguchi's only accomplice at present, she is also the person who knows the most about Nishinomiya's entire loan process.

Minimum repayment.

It seems to be a benefit for borrowers, but for those who earn less points and have no restraint on the control of points, it is actually a trap of interest. The first minimum repayment will increase the interest by 1 percentage points, and the second The second time is 3 percentage points, the third time is 2 percentage points... If the initial arrears are not fully repaid in 6 months, the interest that needs to be paid will rise to 3% including the original 12%.

It's actually fine.

Because [-]% of the monthly repayment will reduce the loan, even if the interest is long, the corresponding points are not a lot.

but.....

If you borrow a second time during this period, it would be fun to increase the calculation of interest.

It was fine for Class D, but Nishimiya Tsujiichi asked her yesterday to adjust the repayment date for other classes, from the 1st of each month to the 15th, and early repayment was not accepted.She also quickly understood the powerful relationship among them.

The 1st is the day when the personal points are distributed. After gritting your teeth and paying back the money, you will be relieved after one month of hard life.

But on the 15th...

The time to grit your teeth has changed from one day to fifteen days. In these fifteen days, more people will definitely loosen their teeth and let themselves eat better and live more comfortably. In this way, they choose the 'minimum repayment'. 'The possibility is much greater, and the interest that needs to be paid will rise again.

The maximum interest of 36% will need to wait for a year to be reached in half a year.

That is, to maximize profits quickly.

There's been a lot of people coming in...

.......

That night.

Siichi Nishinomiya, who had spent half an hour cooking porridge on the phone with the glass, was about to go to bed.

The school was originally unable to communicate with the outside world, even family members, but...

This obviously doesn't apply to Tsuguichi Nishinomiya.

As soon as Nishinomiya went to bed, Horikita Suzune called.

'Speaking of which, this is the first time she has contacted me by phone...usually by texting! '

As soon as Nishinomiya Tsuguchi was on the phone, he heard Horikita Suzune's urgent voice over there: "It's not good!"

Nishinomiya raised his eyebrows: "What's wrong?"

"Points!"

Horikita Suzune's voice trembled, "Your account suddenly lost [-] points, and now there are only about [-] points left!"

Yes.

Horikita Suzune, who was also preparing to sleep, suddenly found that Nishinomiya Suichi's ID account had lost [-] points. She didn't know the reason, but she was very uneasy because of this. If these points were deducted because of her reasons ......

"By the way, it seems that you can't see the detailed information about the deduction you want!"

Nishinomiya Tsurugi realized later, "Don't worry, that's because Chi Kuanzhi was deducted from school!"

Horikita Suzune froze for a moment, "Why are you deducting your points?"

"Because of the deal!"

Nishinomiya said: "Didn't you realize that the student ID terminal we use, Chabashira Sae-sensei also has it, although the name is the clerk terminal, but the nature is the same, you can't use other currencies to trade in this school, you can use it. There are only points...all students, teachers, school personnel, even cleaners. In other words, there is a possibility of a transaction for those who hold the terminal using the same currency."

Horikita Suzune: "You mean..."

Tsuguichi Nishinomiya: "That's right. The school has a department called the Office of the Supervisory Committee. They are the unit responsible for grading us, awarding points, and deducting points. The person in charge and I reached a consensus. Originally, a student dropped out, and a student dropped out. The deduction of 437300 points from the class points becomes the corresponding point deduction for me. The ratio of class points to personal points is 100:1, so I need to deduct [-] points, but since this is a gray behavior, the points that need to be deducted are multiplied by ten. So it's three hundred thousand."

"Is that okay?"

Horikita Suzune was a little unbelievable.

"It didn't work originally."

Nishinomiya Tsurugi smiled: "But I'm Nishinomiya Tsujiichi, remember to keep it a secret."