Returning to 84, hunting for wealth, one person feeding three families.

Ye Chen's statement was tantamount to helping those villagers.

They were given one last chance to turn back!

Upon hearing this, village chief Lü Xiumin beamed with joy and patted his chest repeatedly to assure him.

"Brother, don't worry, leave this to me, I'll take care of it right away!"

Seeing Lü Xiuming turn and leave, Tian Cong stepped forward and couldn't help but ask, "Ye Chen, didn't you say before that you couldn't let these people get away with this?"

"Why are you suddenly changing your mind?"

"You're going to use your homestead as collateral for a loan. What if something goes wrong? Wouldn't all the money you invested be gone?"

"Don't worry, I have my own plans!" Ye Chen said calmly.

"If someone is offering you capital and you refuse, wouldn't that be letting go of a good deal?"

After saying this, Ye Chen immediately leaned close to Tian Cong's ear and whispered something in his ear.

After hearing the last part, Tian Cong looked at Ye Chen with an uncertain expression and asked, "Brother, are you sure this is reliable?"

"Don't worry, we've known each other for so long, have I ever done anything unreliable?" Ye Chen raised an eyebrow and asked in return.

Tian Cong gritted his teeth, as if making a decision: "Since you've decided to take a big gamble, then I'll go all in too. You wait here for me, and bring me my family's land certificate!"

After saying this, Tian Cong turned and ran away without looking back. Only Ye Chen could earn such unconditional trust from him.

……

Half a day later.

Village chief Lü Xiumin had arranged everything, and many villagers gathered in front of the commune.

Upon seeing Ye Chen arrive, the villagers immediately beamed with joy and crowded around him.

Previously, they blocked Ye Chen's door and said all sorts of unpleasant things, but now that they see Ye Chen bowing his head, they immediately start flattering him.

"Brother Ye Chen, thank you so much for getting us out of this predicament!"

"That's right, brother. If you ever need anything, just let us know. We'll definitely help if we can!"

"Ye Chen, you're truly a great philanthropist in the village!"

Faced with such a statement, Ye Chen sneered inwardly. He was not there to help, but rather to take this opportunity to teach these greedy fellows a lesson.

"No need to say anything so soon. Wait until the end of the year to say whether you thank me or hate me."

"As I said before, if you want me to buy your clivia, you must sign a contract. Regardless of the consequences, you will bear them yourself. This must be clearly stated; it has nothing to do with me!"

Ye Chen said coldly, leaving everyone to think, and strode into Lü Xiumin's office.

Inside the office, besides Lü Xiumin, there was a middle-aged man wearing glasses. The moment he saw Ye Chen, he immediately stepped forward and introduced himself.

"Hello, Brother Ye Chen. I'm the deputy branch manager of the county bank. You can just call me Lü Xiujun!"

Upon hearing the name, Ye Chen raised an eyebrow and immediately understood everything. No wonder Lü Xiumin was so busy trying to make this happen; it turned out he was doing it to help his own brother!

"Hehe, Ye Chen, this is my younger brother. We're all family, so feel free to say anything!"

Lü Xiumin smiled and quickly explained.

Ye Chen cut to the chase, urging, "No need for further words, let's get down to business. As I mentioned before, I'm willing to use the homestead as collateral for a bank loan, but I have more than one land certificate with me. Just take a look."

After saying this, Ye Chen threw the two land certificates on the coffee table. Apart from his own homestead, the rest belonged to Tian Cong's family.

"This...this is a good thing!" Lu Xiujun looked at it, his smile widening.

He simply pulled a stack of documents out of his briefcase, making a show of it.

"Ye Chen, take a look, this is our contract. If you think it's okay, we can sign it now!"

Seeing Lü Xiujun's flattering expression, Ye Chen did not lower his guard. Instead, he picked up the contract and carefully examined it word by word.

Soon, Ye Chen realized that the contract was a trap!

First of all, the interest rates on these loans are far higher than those on regular loans!

Secondly, the repayment period is extremely long, and there are even special provisions that prohibit early repayment, which is the biggest trap!

"Fine, if you're not sincere, there's no point in continuing the cooperation!"

"Village Chief Lü, I'll notify Tian Cong to bring the people here right now. We're ready to fight to the death today, even if it means losing our reputations!"

Ye Chen got up and left, a decisive reaction that left the two of them completely bewildered.

Seeing that Ye Chen had already reached the door, Lü Xiumin hurriedly got up and grabbed his arm to stop him.

"Brother Ye Chen, wasn't our cooperation going well? Why are you suddenly making a fuss about leaving?"

"If you have any complaints, just say so. The contract hasn't been signed yet, we'll revise it later!"

"If you really want to cooperate with me, don't try to play dirty tricks. Do you really think I don't know about current bank interest rates?"

Ye Chen turned around and sneered, "The highest annual interest rate right now is no more than 7.2%, and for special loan types, the annual interest rate is halved, reaching 3.6%!"

"But the contract you gave me has a monthly interest rate of around 2%. If that's the case, if I borrow 50,000, I'll have to pay over 10,000 in interest alone in a year, right?"

"Is this true?" Lü Xiumin was immediately surprised and turned to look at his younger brother.

He genuinely didn't know about this. He was only thinking about dealing with the village's troubles, but he didn't expect that his younger brother's visit was actually intended to harm him.

"I...I picked up the wrong contract, Brother Ye Chen. We can't really discuss the terms, but as long as this loan can be secured, feel free to name your terms!"

Lu Xiujun gritted his teeth and quickly began to explain, while taking out another contract from his briefcase.

This time, the interest rate section of the contract was clearly blank, and the repayment method was also a matter of personal choice.

The main reason why Lü Xiujun was so sincere was for his own business.

It's almost the end of the year, and the bank will be doing its accounting soon, but I haven't issued a single loan!

At the beginning of the year, the bank president made it clear that everyone has performance targets, and as the vice president, he should set an example.

With the accounting deadline fast approaching, if I don't perform well soon, I might be demoted!

Lu Xiujun had finally become the vice president, so naturally he was unwilling to step down from that position!

"Since you've put it that way, I might as well just state my conditions!"

Ye Chen looked at the new contract and nodded in satisfaction before making his request.

"My requirements are simple: the loan's annual interest rate must meet the subsidy criteria, which is 3.6% per annum. Additionally, the repayment method must be interest-only followed by principal repayment, with a two-year term!"

"Of course, as a token of my gratitude, I can give you 500 yuan as a thank you fee if the loan is successfully disbursed!"

"Think about it. I don't have much time. Give me your answer within five minutes!"