I, the Two-dimensional Debt Collector

It is marked as 20% annual interest rate, but the actual annual interest rate is nearly 40%.

For example, an item worth 10000 yuan is purchased in 12 installments, and each installment of 1000 yuan is 12000 yuan a year. It seems that the annual interest rate is 20%. Borrow 10000 and pay back 12000, right?But that's just the surface, not really.

If you use 10000 yuan for a whole year and pay back 12000 yuan, this is the 20% interest rate, but the reality is not.

The reality is that the annual interest rate is indeed 20% in the first month, but it is not the same from the second month. After repaying 1000 in the second month, the principal borrowed is not 10000, but the interest is still According to 10000 to calculate.

To put it simply and crudely, from the second month on, the money you can use and the money you borrow will no longer be 10000 yuan, but you still have to pay 10000 yuan in interest.

In the last month, your principal owed is only 833, but your interest is still calculated as the interest of borrowing 10000 yuan. The monthly interest rate in the last month has reached 24%, and the annual interest rate at this time has reached 288%!

After careful calculation, the actual interest rate is about 30.00%, close to 40.00%.

It seems fair and normal, but it is tricky!

Otherwise, would it be a pain in the ass for those bank staff to call every day to ask for installment payment?Who would care so much if there is no trick?

And even interest-free installment shopping that seems to have no traps is tricky, but other people are earning interest on installments, while interest-free installments are earning something else.

In a word, buying is never as good as selling. Buy if you can, and don’t consume ahead of time if you can’t.

There are not many conscientious lenders like Chen Lin who clearly mark the price. They say that the interest is as much as the interest, there is no false element, whether they love to borrow or not.

"Tsk tsk tsk... Blowing the horn? It seems that they have been tricked." Chen Lin shook his head helplessly. It seems that he still needs to do a good job of induction training in the future, otherwise he will count the money for others if he is sold.

However, according to the guidance of the mobile phone, Chen Lin came to the door of the security company, "Tiantong Private Security Company? There is something more about this Tiantongmu."

dong dong dong.

Chen Lin knocked on the "door" of the company, saying that the door was actually a door the same size as a residential house, and apart from the signboard of the security company, even the door looked a bit tattered.

"Here we come." A man's voice sounded from inside the door. As the footsteps increased, the door was opened after a tooth-piercing friction sound, and a boy with black hair and brown eyes appeared in Chen Lin's room. in front of.

Then he said very politely, "Hello, this is Tiantong Civil Security Company, how can I help you?"

Looking over the boy's shoulder, Chen Lin looked inside the door.

This private security company is not big, and you can see everything in the room from the door.

Sofa, tea table, desk, plus filing cabinets placed on the wall, if there is no secret door, this company seems to be not as big as Chen Lin's room......

so weak.

Hearing the sound of the door opening, the two familiar girls sitting on the sofa turned around, with surprise smiles on their faces... Only Vinette was smiling, and Gabriel was still that salty fish appearance.

However, Wei Nette did not speak, but excitedly waved at Chen Lin.

After the young man followed Chen Lin's line of sight and saw Vinette's excited smile, his expression suddenly became tense, and within a few seconds, cold sweat soaked his forehead.

"Please...please come in..." There was a slight tremor in his voice.

Chen Lin ignored him and walked straight to Vinet's side. When Chen Lin came to the sofa, Chen Lin found a skinny little girl with orange hair lying on Vinet's lap and falling asleep.

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pS: There will be more later! ! ! !

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pS2: Consumption should be moderate, and it is best not to use installments if you can!

Chapter 152 The horn is sounded!

roof.

Wearing a jacket and a short skirt, Gabriel leaned on the railing with a face full of salted fish.

"Why are you blowing the horn because of something, you useless angel? You lost the game or some other reason? Could it be because you couldn't pay the debt and became angry and wanted to blow the horn?"

"Tsk..." Gabriel clicked her tongue slightly, "I'm an angel, an angel... what do you think of me as?"

"Lazy angel, a lazy angel without a halo."

Chen Lin also leaned on the railing on the roof like Gabriel, but when Chen Lin climbed up, he felt the railing shaking slightly. This railing was in disrepair like other buildings.

When he came to the top of the building, Chen Lin looked into the distance, and in the distance was a huge stone tablet that went deep into the sky. What the hell are these things...

Although it is a bit strange, Chen Lin is not surprised. You can see some strange things in many worlds. At the beginning, Chen Lin would be surprised, but now he is no longer surprised.

Just a few steles.

"What happened to make you want to blow the horn?"

"There are too many sinners in this world, and they need to be judged." Looking at the pedestrians on the street in the distance, Gabriel said sullenly.

"sinner?"

"How did they offend you?" Seeing her sullen look, Chen Lin subconsciously reached out to mess up Gabriel's messy hair. To Chen Lin's surprise, Gabriel didn't take Chen Lin's hand It was shot.

"Greed, laziness, envy, arrogance, anger, they are sinners."

"What's going on?" Chen Lin came to this world for the first time, and he was not clear about many things in this world. "Be clear, and why did you ask me to come here?"

"Ten years ago, a monster called gastrulation appeared. They can turn all creatures that have been injected with body fluids into monsters like them."

"Sounds like a zombie?"

"Well...it's really similar to the zombies in the game. Humans have used all weapons to resist gastroentery. In the end, human beings used the most hated ore of gastroentery to make a huge stone tablet to keep them out... ...That's the one."