MMB Chapter 13 Loan of 15
Chapter 13 Loan of 15
"Xiaoyu, you saw today's transaction. I'll be running around for loans for the next two days, so I won't have time to manage the shop... Starting this afternoon, you'll be shaving my head at the shop. You'll be in charge of my workstation... Okay, got it?" Mao Jun said suddenly as he rode his electric scooter back with Mao Xiaoyu on the back.
"No problem, Dad, don't worry. I promise I'll do a great job for you these next two days." Hearing her father's words, Mao Xiaoyu quickly patted her chest and promised.
"Also, don't talk about what happened today in the store. Just pretend nothing happened. Even if you buy the house, don't say anything. After all, there's nothing to talk about. Got it?" Mao Jun hesitated for a moment and then reminded him again.
"I understand, Dad. I know what I'm doing and I won't tell anyone." Mao Xiaoyu nodded seriously.
After all, Mao Xiaoyu knew that being too high-profile would arouse unnecessary jealousy from others, so making a fortune in silence was the best choice.
After cycling for about twenty minutes, the father and son were finally almost back at the store.
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"Dad, Dad, stop here at this bend." When they were almost at the store, Mao Xiaoyu suddenly remembered what she had promised Mao Tingting that morning, so she quickly patted her father on the shoulder and called out.
"What's wrong?" Hearing his son's shout, Mao Jun stopped his electric scooter and asked casually.
"I promised my sister I'd buy her something this morning... I've been out for so long, and if I go back without buying her anything, I'm afraid she'll cry... Why don't you go ahead from here? I'll go buy it for her and then come back," Mao Xiaoyu explained.
"Alright, alright, I'm going now. Come back early in a bit." Hearing his son's words, and thinking of his daughter, and how it would be a headache if she cried because she didn't buy anything, Mao Jun lifted the car up and got out. Fortunately, it was only a few meters away from his shop, just around the corner.
"Dad, you go back. I'll just go buy it over there," Mao Xiaoyu said, turning her electric scooter around.
And so, Mao Xiaoyu rode her electric scooter and searched through several stores that sold children's books before finally finding the comic book "Big Ear TuTu".
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"Brother. Brother."
As soon as Mao Xiaoyu's car turned the corner, she saw her younger sister standing at the store entrance, her little face looking around. When Mao Tingting saw Mao Xiaoyu's car, she excitedly shouted.
"Brother, brother, where's my book? Where's my book? Give me my book quickly!" Mao Tingting rushed up and demanded her book as soon as Mao Xiaoyu's electric scooter stopped.
"Don't rush, the book is under my butt. Move aside, move aside, let me stop the car first." Seeing her little sister grabbing the car for the book, Mao Xiaoyu could only patiently explain.
Upon hearing Mao Xiaoyu's words, Mao Tingting quickly moved aside. After Mao Xiaoyu stopped the car, she took out the "Big Ear Tutu" book she had just bought from under the seat.
"Ah, thank you, brother." Mao Tingting happily took the book and ran back into the store, and Mao Xiaoyu followed her sister into the store.
When they arrived at the store, they saw that the people inside were a bit lazy. Mao Xiaoyu guessed that everyone must have finished eating. After all, if people hadn't eaten, those who weren't busy wouldn't be sitting on chairs leisurely reading newspapers at this time, but would be busy eating lunch.
"Xiaoyu, go to the back to eat. Your father is eating over there," the mother reminded her son, Mao Xiaoyu, who was busy getting a haircut when he returned.
"Okay, Mom." Mao Xiaoyu replied after hearing her mother's words, and then went to the kitchen.
Mao Xiaoyu went to the kitchen and saw her father eating lunch. Mao Xiaoyu didn't say anything, just took her own bowl and ate. During the meal, neither the father nor the son talked about what happened that morning.
"Are you finished eating? Let's go out now. I'll tell the other chefs that I have something to do these next couple of days, so you'll have to cover for me." After the two of them finished eating, Mao Jun said to Mao Xiaoyu.
"Okay, Dad, I'll wash the dishes and be right out." Since she had already promised her dad in the car, Mao Xiaoyu didn't go back on her word.
After the two arrived at their workplace from the kitchen, Mao Jun said to the store's employees, "Everyone, listen to me. I have something to do these two days, so Mao Xiaoyu will be covering for me for two days. As for you, just do what you normally do."
After saying this, ignoring what others were saying, he nodded to his wife and then hurriedly left the store.
Everyone was a little curious about why Mao Jun had left the store to attend to other matters these past two days, but since Mao Jun didn't say what it was about, they were too embarrassed to ask.
However, everyone was wondering if Mao Jun's recent troubles were related to Mao Xiaoyu. After all, Mao Xiaoyu spent the whole afternoon shaving heads yesterday, and everyone could see his skill. In addition, the father and son went out the next day, which made people wonder if Mao Jun wanted Mao Xiaoyu to go out and work, which is why he needed to spend two days finding a place for Mao Xiaoyu to work.
Of course, this is just speculation. No one was foolish enough to ask, so everyone pretended not to know and went about their business.
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As for Mao Xiaoyu, since she took over her father's shift in the afternoon, she didn't stand on ceremony and put on her father's white coat. However, because Mao Xiaoyu is a little taller than her father, the white coat looked a bit small on her, but not by much, and she could still wear it.
The following afternoon, Mao Xiaoyu was busy getting her hair shaved, trimmed, and styled, just like yesterday. Of course, while she was busy, she couldn't help but think about whether her father's loan application would go smoothly that afternoon.
After all, getting a haircut is secondary now; taking over the house is the main thing. It's no wonder Mao Xiaoyu's mind is elsewhere.
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After leaving his shop, Mao Jun rode his electric bike home, took out his property certificate from his safe, and then immediately went to the bank and staff where he had taken out a loan to buy the house in 2000.
When the bank staff received Mao Jun and learned that he was going to use his house as collateral to borrow 150,000 yuan from the bank, the bank staff immediately said that it was no problem. After all, the house was only worth 300,000 yuan when it was bought, and now, after 5 years, the house has appreciated by 400,000 to 500,000 yuan. Borrowing 150,000 yuan is really not much.
Moreover, the business environment in Shanghai is already very good, so as long as there is reasonable collateral, loans are generally approved.
After a busy afternoon of signing documents, the bank loan process was finally completed, but the funds would not be disbursed until three days later.
According to the bank staff, the loan was approved, but he needed to submit the materials and wait for headquarters' approval before the finance department would transfer the money to Mao Jun's account. This process would take about three days, hence the long time.
So Mao Jun doesn't need to worry anymore. He just needs to wait three days to check his bank account to see if the money has arrived. If it hasn't, he can come to the bank again so they can check for him.
This time, Mao Jun took out a loan of 150,000 yuan for one year at an interest rate of 5%. This means that after one year, Mao Jun will need to repay 157,500 yuan, including principal and interest. It seems like he will have to pay 7500 yuan in interest, but this interest rate is not actually that high, considering that the interest rate for a one-year fixed deposit is 3.75%.
Mao Jun was busy until the bank closed for the day. He was thinking about going home after finishing his business, but then he realized that if he went home, his wife would have to do the accounting at the shop every night, and the kids would come home late.
Besides, there would be nothing to eat if he went back, so after thinking about it, Mao Jun finally went back into the shop.
When Mao Jun arrived at the shop, it wasn't too busy. Of course, even if it were busy, Mao Jun wasn't planning to do any work himself. Although he had finished dealing with the loan and didn't really need his son to cover for him anymore, Mao Jun thought that since his son would be busy with his own things, he should let him practice his hairdressing skills more. After all, if he couldn't make a living outside in the future, he could still make a living by hairdressing.
So even when Mao Jun arrived at the store, he didn't pay attention to his son's work. Instead, he sat down at the bar, collected money, did the accounting, and calculated the store's income for the day.
Just like yesterday, when it was time for evening, Mao Xiaoyu's mother took Mao Tingting home first, while Mao Jun and his son stayed in the store to watch over it. Only after the last customer left did Mao Jun take the store's cash and walk home with Mao Xiaoyu.
On her way home, Mao Xiaoyu wanted to ask about the loan details, but she was afraid her father would think she was being impatient, so she kept the question to herself.
"Why don't you ask about the loan? Don't you care?" Mao Jun, who came home with his son, said before Mao Xiaoyu could even speak.
"I don't think you're too anxious, Dad. I believe that with Dad taking the lead this time, there shouldn't be any problem with the loan." Hearing her father's words, Mao Xiaoyu knew that there wouldn't be any problems with the loan this time, so she flattered her father.
"You're right, the loan has been approved and we're just waiting for the disbursement. The bank should be able to release the money in three or four days at most. But even so, you still have to keep doing my hairdressing job. After all, the more familiar you are with hairdressing, the better you'll remember the skills, even if you don't do it for a while. When you get back to it, you'll have a better feel for it." Mao Jun said earnestly to his son.
"I know, I'll be at the barbershop every day for the next two days and get a proper haircut." Since her dad has taken care of the things she cares about most, Mao Xiaoyu thinks she should just be a good girl for the next two days and wait until the loan is approved and she gets the property certificate.
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The father and son chatted as they walked back. Of course, Mao Jun usually did most of the talking while Mao Xiaoyu listened. After all, Mao Xiaoyu was going to do her own thing, and Mao Jun was a little worried about her, so he shared some principles of dealing with people in society with his son.
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The father and son chatted all the way home. When Mao Jun opened the door, lo and behold, Mao Tingting was sitting in the living room with the book "Big Ear Tutu," waiting for Mao Jun and Mao Xiaoyu to return.
"Brother, brother, you're back! Can you read to me?" Seeing Mao Jun and his son return, Mao Tingting stood up from the sofa and skipped over to Mao Xiaoyu, asking happily.
"Can you wait a bit? At least wait until I'm done washing before I can read to you. If I go to your bed without washing, wouldn't that be too dirty? Do you want all your toys to get dirty?" Mao Xiaoyu asked intentionally, seeing her younger sister's reaction.
"Then go take a shower, and come back to my bed when you're all clean and smell nice. Otherwise, my little yellow and little white toys won't like you." Hearing Mao Xiaoyu's words, Mao Tingting quickly replied. As for Mao Tingting's little yellow and little white toys, they were just the names of her two favorite toys on her bed.
"Okay, I'm going to take a shower now. I'll play with you again after I'm done." After saying this, Mao Xiaoyu went back to her room to get her change of clothes. After finding her change of clothes, she went to the bathroom to take a shower.
After taking a shower for more than ten minutes, Mao Xiaoyu finished washing her clothes and came out of the bathroom. Mao Tingting then pulled her into the room and started reading to her and telling her stories.
As for whether Mao Xiaoyu's father, Mao Jun, would drink today, Mao Xiaoyu didn't know. Anyway, after Mao Xiaoyu put her younger sister to sleep and returned to her room in the living room, there was no one there; her father and mother were already in the bedroom.
Seeing this, Mao Xiaoyu quietly returned to her room. She didn't dare to eavesdrop on whether her parents were discussing the loan in the bedroom. In her opinion, the matter was already settled, so it didn't matter whether she eavesdropped or not.
As for Mao Jun and his wife, they recounted everything that happened that day. After all, it was a big deal, and both of them should know about it. They were also relieved to learn that the loan would be approved in three days. If the loan hadn't been approved or if the time was too tight, they would have had to borrow money from others.