Carrying a Jurassic on me
Chapter 532 - 219 How Much Can I Borrow_1

Chapter 532: Chapter 219 How Much Can I Borrow_1

Credit Cooperative, huh?

Yan Fei remembered the roses blossoming all over his Vegetable Garden Island. But those were something he took, not gifted to him from Director Yao. Naturally, he didn’t need to accept his favor.

"I don’t want a loan!" Yan Fei declared defiantly. "There are also some who bring cow calves to sell, even if they want me to postpone the payment I don’t want to owe them! If it’s possible, I will scrape together some money and give it to them. If it isn’t, I just won’t buy. I don’t want to owe anyone, it will keep me from sleeping!"

Pang Fa slammed his chopsticks down and stared at him, saying, "What are you talking about? If the calf has been brought to you and they are ready to give you credit, you won’t buy it? Are you even a cow farming businessman?"

"How am I not? Is it wrong that I don’t owe money?" Yan Fei retorted and then, seeing Pang Fa’s growing agitation, he tried explaining. "I haven’t let them bring it back, have I? It’s just one little calf, we can surely scrape together the money for it. What we cannot scrape together later on, we won’t buy it at all. I am truly broke now."

Pang Fa chuckled sheepishly, "Nevermind, if I try to reason with you, you won’t listen. Didn’t Director Yao just tell you? When he returns, he will go with Old Pan from the Armed Department, to explain it to you in detail. You’ll understand then!"

Yan Fei caught on a bit, "So, you’re saying he wants me to get a loan?"

"Other than asking you to get a loan, what else can he ask you for? Do you have money to deposit in the bank?"

"I thought getting a loan was difficult? And some even come to the doorstep?" Yan Fei became increasingly confused.

"Getting a loan is difficult for those without money, you’re rich now, wanting to get a loan wouldn’t be easier." Pang Fa’s frustration was evident. "Don’t you see them arriving at your doorstep?"

"Why?" Yan Fei asked, but then understood. "They are afraid those without money won’t pay the loans back, so they give loans specifically to those who have?"

"What do you think!" Pang Fa replied irritably. "As for me, look how hard I’m working yet I only have this small stall. If I try to get a loan, I might get two to three thousand. Your Uncle Ming might be able to get ten to twenty thousand, no more than that. For you though, I estimate that they would dare to give you thirty to fifty thousand. Do you believe it?"

By noon, Yan Fei had not only believed it, he believed it wholeheartedly!

Because Pang Fa’s view was after all too short-sighted, he underestimated it. Director Yao had more vision than him.

In the cow farm, Yan Fei poured water into the cup. The tea leaves he had ’processed’ himself began to bob up and down in the hot water. After pouring the tea, he urged his two guests: "Uncle Pan, why don’t you try my tea? Feel free to have a taste, Director Yao, I roasted it myself. I might not have done a great job..."

And the half sentence he didn’t say was, I haven’t even tasted it myself yet!

The tea was from the leaves he picked up in the Dinosaur World. Originally, he wanted to go to the library when he went to the Provincial City to find knowledge about roasting tea, but he forgot about it being occupied with work. He had asked Old Cheng for this ’processing’ technique - Old Cheng himself had only seen others roast tea and didn’t know the details, but roughly explained it to him with gestures.

Then Yan Fei’s tea was ready - although it looked like tea, the shape, color and so on left a lot to be desired.

However, Old Pan and Director Yao weren’t there to taste tea anyway. Without even picking up their cups, Old Pan started asking, "Xiao Fei, you know why Director Yao is here, right?"

Yan Fei didn’t play dumb, "Director Yao, do you want me to get a loan? I’m not interested in a loan at the moment. Besides, I’m not old enough to get a loan, am I?"

Director Yao responded with a carefree smile, "No problem! If you’re underage you can let anyone from your family be the face of the loan. Anyways, the money would still be used by you."

After he finished speaking, he picked up his tea cup and pretended to taste the tea. Then Old Pan began to talk sense into Yan Fei, "Xiao Fei, look, you still have people bringing cows to sell, and many people in the village hope you can have money and buy more cows. How can you not take out a loan?"

Old Pan spoke as if not taking a loan was a great sin, "And think about it, if you can take out a hundred thousand loan, you can buy a hundred or so cow calves. At the end of the year, besides the cost for raising the cows, you should still be able to get two to three hundred thousand, right? Even after paying back the loan, you would still have over a hundred thousand! Would you refuse such a deal?"

After speaking, he added, "Don’t think I’m here to set you up. I intended to bring your uncle here, but I thought you might not be happy to see him, so I didn’t let him come. Rest assured, as long as you have money, you won’t have to worry about selling the cows. These days I’ve been frantic with people trying to talk to me. There are also people your uncle has helped you block, you have no idea how many people he’s turned away on your behalf!"

Yan Fei scorned Old Pan in his heart: You’re convincing me with all your might, but isn’t it just because Director Yao promised to give you a good box of tea before you entered the room? You must have benefited from this! Do you think I didn’t hear that?

Of course, he couldn’t voice out his contempt. Insincerely, he said: "I haven’t made up my mind yet. Can I discuss this with my parents and my wife when I get back? There’s too much that I don’t understand, so I’d like to gather their opinions."

This was an excuse he thought of on his way back from Pang Fa’s place. He genuinely didn’t want to take out a loan, as he felt uneasy owing money.

"No rush, no rush!" Director Yao, who wore a constant smile on his face, from the moment he saw Yan Fei’s, said "Take your time and think about it, there’s no rush. By the way, wouldn’t the sale of so many cows be a big problem for you by year’s end? Have you considered anything?"

"That’s not a worry. After a while, when things settle down here and I start to slaughter more cows, I will begin seeking out markets. If I can slaughter them myself, great. If not, I could ask others to help me find some buyers. Worst case scenario, I sell the cows alive and earn a little less!"

"Is relying on others trustworthy? It’s not a small matter. You realize that the more cows you feed each day, the more you spend on feed? Business is hard nowadays, you have to be cautious about the people you work with."

"Absolutely trustworthy!" Yan Fei was very confident. Or he trusted Wang Jiuming and Old He very much, or perhaps he had faith in himself—I’m not scared. If I get desperate, I’ll throw all of them to Jurassic World and sell them across the country. Two cows per area, they must sell out!

With a population of over a billion and a territory of millions of square kilometers in our country, would I worry about not being able to sell a few hundred cows?

Upon hearing his steadfast answer, Director Yao was even more delighted: "I see you’re quite busy around here. How many cows have you sent out? Do you have fattened cows in the ranch now, including the newly bought ones? Are these fattened cows all slaughtered by you for sale in the Provincial City later? How is the market there?"

Damn it!

Even his plan to sell beef in the Provincial City had been investigated. This motorcycle seems imminent then! Otherwise, the truth will come out sooner or later. As the saying goes, to attract wind by being tall, now everyone pays attention to my every move!

Holding back his cursing, Yan Fei thought this Director Yao must have investigated everything about him, even his 18 generations of ancestors. No wonder he recommended a loan! Just now at Pang Fa’s place, he pretended not to recognize me? He’s indeed very cunning!

Of course he camouflage. As the head of the Credit Cooperative, if he didn’t possess such skills, would he dare to lend out loans? Would he dare to offer him a loan?

Egging him on, Old Pan added: "Xiao Fei, Uncle Yao is just caring for you. I only knew how many cows our militia team led away. As for the rest, I have no idea. You wouldn’t not know yourself?"

You guys are now using the ’motivation by provocation’ method, just like those used to coax kids, right?

Yan Fei looked down on these two old foxes, but he also knew they weren’t here to cheat him, so he pretended not to see through their small tricks. Actually, he had known it long before. This loan wasn’t a bad thing, it was just that he couldn’t get over his mental barrier. He always felt that owing money wouldn’t let him sleep well...

"Around three to four hundred cows were sent out! I didn’t count the sporadic ones later. It’s approximately this much." Despite the contempt in his heart, he honestly answered the two’s questions. "Fattened cows make quick money. You can exchange a few calves after raising them for three or four months. Once I find a better and larger market, the majority of the regained cows will be fattened for sale."

Both Old Pan and Director Yao were shocked to hear that Yan Fei had sent out three or four hundred calves. They were obviously taken aback as they hadn’t predicted that he would have sent out so many calves apart from those to the militia. However, the two were old foxes; sharing a glance, they hid their surprise.

"No wonder you are a big shot! This clarity in thought." Director Yao admired. "You see, now you have no worries about sales, you are not lacking in ranchers, all the villages are waiting for your command, right? This loan matter isn’t as difficult as you think. How to put it! It’s just like borrowing your neighbour’s hen, letting it lay and hatch some eggs. Then, you return the hen, you might give a couple of eggs as compensation, but you still end up with a bunch of chicks. No matter how you calculate, it’s a profit!"

Seeing Yan Fei wanted to interrupt, he continued: "No rush in replying! See, go home and think and consult with your parents and wife too, alright? Your parents are on official county duties and your wife is a university student, studying law, they definitely know a lot more! You should listen to their opinions more. After all, this can’t be settled immediately, no rush!"

Do you even know my wife wore a student-like hairstyle last summer and now, she ties a ponytail?

Yan Fei mused in his heart, these people really had skills, too many skills! Not only did they investigate thoroughly beforehand, but they also finished all the words I intended to say. No wonder they all became leaders!

Although he was reluctant to take the loan, he was curious about how much compensation he had to give for this ’hen’, and couldn’t resist asking: "Director Yao, like Uncle Pan just said, if I borrowed 100,000 RMB from you, how much should I return to you next year? By the way, I don’t know yet, if I borrowed...how much could I get as a loan?"