Pretending to be bankrupt, the school beauty came to the door with twins

For bank loans, even if the loan cannot be repaid, they will only take the collateral.

If the collateral is taken away and auctioned, the money will naturally not be repaid.

How can people continue to pay back the money after the collateral is taken away?

Of course, there are such cases, but that is because a collateral is mortgaged by multiple parties.

For example, a house is mortgaged by Dayuan Bank and Daxia Bank respectively.

The mortgage of a house is not mortgaged according to the market price.

In general, there will be an appraisal price.

The loan amount is discounted from the appraisal price.

For example, a house worth 10 million may only be loaned 7 million.

For shops and the like, the loan amount is even less, maybe only 5 million.

There are even lower amounts, 4 million, 3 million.

Some companies with looser risk control will accept this kind of secondary mortgage collateral.

However, once there is a problem, such as overdue, the collateral will be auctioned, and after the auction, it is very likely that the loan cannot be fully repaid.

At this time, it is possible to continue to ask the lender to repay the remaining loan.

However, this is the bank's operation.

They are doing it privately.

There is no record of mortgage for that house.

Moreover, the house is worth three or four million, and they only need two million, which is already a discount.

In this case, if they can't pay it back, how can they pay it back after taking the house?

This is simply unreasonable.

"Haha, aunt, you have to know that this house was originally ours!"

"At the beginning, it was my father who gave it to you, right?"

"Since it is a gift, it should be returned to us, right?"

"Besides, my uncle-in-law said that this investment is a sure thing and will definitely not lose money."

"What are you afraid of?"

Li Feng stroked his bangs and looked at Li Guanqin seriously.

Since he knew that wheat would fall sharply, he would definitely pit the couple.

It's not that Li Feng is petty, it's just that for such an ungrateful person, there's no need to talk about blood relationship.

"This..."

Li Guanqin was speechless for a moment.

Indeed, if they can really guarantee 100% profit, then why don't they agree to this condition?

Isn't it because this investment is not sure to make 100% money?

They think they still have some understanding of Li Feng. If they don't agree at this time, I'm afraid Li Feng will really not lend them money.

Thinking of this, Sun Dezhong and Li Guanqin looked at each other, and then, as if Sun Dezhong had made a great decision, he nodded and said:

"Okay, Xiaofeng, I promise you! As long as you lend me two million, I will mortgage the house to you."

"If you can't return the full amount after ten days, then the house will belong to you, and I still owe you two million."

Sun Dezhong gritted his teeth.

Ten days is enough for him to ship.

Wheat futures are rising very well now. It may take at most a week for the futures price to reach the highest peak.

"Okay, uncle-in-law, let's settle accounts clearly and sign a document?"

Li Feng didn't believe this guy's words. Only a document would have legal effect.

"No problem!"

Soon, a promissory note was written down. After both parties checked and confirmed that there was no problem, they signed and confirmed.

Then, in order to show his sincerity, Sun Dezhong went home and took the property certificate and handed it to Li Feng.

Li Feng didn't say much and directly transferred two million.

"Okay, uncle-in-law, two million has been transferred to you. If there is nothing else, you can leave."

Li Feng directly ordered them to leave. He didn't have the time to entertain this family.

This family was also very thick-skinned. If he didn't order them to leave, they might really stay for dinner.

"Well, OK, Xiaofeng, thank you!" Sun Dezhong smiled awkwardly, and then said: "You have to listen to your uncle-in-law. Buy some wheat futures, and you will definitely make a lot of money."

Before leaving, Sun Dezhong did not forget to remind Li Feng.

Li Feng naturally agreed.

Let these two guys be proud for a while. When wheat falls sharply, they will know what it means to regret it.

"Husband, this Xiaofeng is really too much. With such a small amount of money, he wants us to mortgage the house." After leaving the Li family, Li Guanqin couldn't help complaining.

"This kid didn't have so many bad intentions before."

"Oh, forget it, who made us not recognize him before? If I had known that he would get rich later, I would have lent him some money at that time! It's short-sighted."

Sun Dezhong smiled bitterly.

If he had lent money to Li Feng at the beginning,This time, Li Feng would probably lend them two million yuan, even without collateral.

However, there is no regret medicine in the world.

If you miss it, you miss it.

"Forget it, don't think too much. As long as we seize the opportunity this time, we can make tens of millions."

"At that time, it doesn't matter if we don't have that broken house! We can go to the city center to buy a new house."

The new house in the city center is very tempting.

Their original house is not convenient for the eldest daughter to go to get off work.

Fortunately, Sun Xiangyu is a teacher and usually lives in the school, so she doesn't have to go home every day.

If she runs back and forth every day like those office workers, it will take three or four hours to commute back and forth on the road, which is really a hassle.

"Yes, I don't want to live there anymore. They are all returned people with poor quality and poor quality of houses."

"We will buy a four-bedroom house in the future! One for us, one for Xiangyu and Xiangjin, and one for entertaining guests!"

Li Guanqin said with a smile.

Although they haven't made any money yet, and haven't even invested the money, they have already begun to fantasize about a wealthy life in the future.

"Hahaha, that's right!"

"Xiangjin, you have to work hard too, and try to get into a good hospital. Dad will find you a rich man like your brother-in-law in the future!"

"Then your mother and I can enjoy happiness!"

Sun Dezhong said to his youngest daughter.

The eldest daughter's marriage has basically been decided, and now only the youngest daughter's marriage is left.

However, the youngest daughter is still in college, and although there is no rush, it must be arranged in advance.

"I know, Dad!"

Sun Xiangjin smiled and nodded.

...

"Son, this is two million, how can you lend it just like that? Have you forgotten their faces at the beginning? Are you still my son?"

As soon as Sun Dezhong's family left, Li's mother couldn't help complaining.

She felt so disgusted that she lent two million to such a disgusting family for nothing.

"Haha, Mom, don't worry, this money is not borrowed in vain!"

"When the time comes, the house and the money will be ours!"

Li Feng said with a smile.

"Xiao Feng, do you mean that wheat futures will fall?"

Dad Li knew his son very well and figured out the trick at once.

"That's right, not only will it fall, but it will plummet."

Plummet!

Upon hearing this, Dad Li's brows furrowed.

His son would not lie to him, and Dad Li believed it without a doubt.

His son had a very keen sense of smell in finance. If he said it would fall, there was a high probability that it would fall.

So, Dad Li began to worry about Li Guanqin.

He wondered whether he should notify his only sister?

He really couldn't bear to watch his sister go bankrupt.

Dad Li was very entangled.