Chapter 182: Loan to buy shares, guaranteed dividends
"Why did you borrow so much money?" Second Grandpa stared at Zhang Junping for a while before asking.
Second Grandpa's eyes are very sharp. Don't stare like that. He is under a lot of pressure. He will dodge whenever he feels a little guilty.
However, Zhang Junping had no ghosts in his heart, so he looked at the second grandfather calmly.
"I'm going to open a furniture factory! I'm going to expand the scale. After the Chinese New Year, I'm going to build a Simmons mattress production line.
You need to buy land to build a factory, buy equipment, and purchase raw materials, all of which require money."
"You want to expand the scale? What kind of silk are you talking about?"
"Simmons mattress is a kind of spring mattress. It is very soft and comfortable to sleep on. This kind of mattress is very popular in cities now.
We have a factory producing this kind of mattresses here in Yuandu City, and the business is very popular."
"Oh, if that's the case, how much money are you short of? Can't you just ask your third uncle to lend it to you?
Why go to such trouble and give everyone such a high interest rate?"
"Second Grandpa, I need a lot of money. I'm afraid our family alone can't borrow that much money.
Let the Zhang family take a loan together, which actually means letting everyone buy shares.
However, if you invest in shares, if you lose money, then the loss will be everyone’s money, but if you borrow money, it is different. Even if you lose, it has nothing to do with everyone.”
“What if we lose money?”
“If we lose money, I will make more money and pay it back to everyone!
Anyway, this money was loaned from the bank, and no one suffered any losses. The state did not stipulate a repayment period. I will pay it back slowly. If I can’t finish it, I still have my son. If my son doesn’t finish it, I will have my grandson. My descendants will always have to pay it back.
The day it ends.
But once you make money, it's different.
Let me do some calculations for you. Nowadays, one person can get a loan of about 50,000 to 100,000.
Calculated at 50,000 yuan, that’s 5,000 yuan a year, which means you can earn 5,000 yuan a year without doing anything.”
"Pingzi, it's not good for you to do this. Second Grandpa understands that you intend to lead others to make money, but you are afraid of risks, so you bear all the risks alone.
You can't do this!
You should know about Sheng Mi En and Dou Mi Qiu.
Maybe everyone will be grateful to you at first, but as time goes by, everyone will think that this is what they should do, and you should give them the money.
If you lose money at the beginning, it's okay to say that everyone will understand and be considerate, because no one will get any money and won't feel anything.
However, once you gave money a few years ago and your business suddenly goes down, people will not think about how much money you gave them in the past few years. They will only remember that you owed them money and did not give it to them.
When the time comes, it won't be as simple as you think, and people who come to ask for debts will drive you to death."
After hearing what the second grandfather said, Zhang Junping was stunned. He really didn't expect this.
Come to think of it, this is really what happened.
"Even if your furniture factory keeps making money, you keep paying them interest.
At first, everyone will be grateful for the large amount of money, but gradually everyone will think, why do you make so much money with our money and only give us so little?
Until then, you will have your worries too."
Zhang Junping was completely convinced. Sure enough, Jiang was still the best, and the second grandfather was more thoughtful than him.
"Second Grandpa, what do you think we should do about this matter?"
"Let me tell you openly, those who are willing to invest in the company can go to the bank to get a loan and be responsible for their own profits and losses."
"Second Grandpa, do you think anyone would dare to borrow money from a rural credit cooperative to invest in shares?" Zhang Junping said with a bitter smile.
This time it was the second grandfather’s turn to be stuck. Really, once the profits and losses are borne by oneself, how many people would dare to take out a loan and invest in shares?
"How about I ask your third uncle to find a way to lend you more money and then you can think of something else?" Second Grandpa could only say this.
"Second Grandpa, I will definitely trouble Third Uncle for a loan, but I still have to borrow money.
However, if it is simply a loan, let’s put it another way: invest in shares with guaranteed capital and pay dividends at the end of the year.
Of course, dividends can only be paid if you make money. If you don't make money, you can only protect your capital.
Dividends are still calculated at 10% a year. This is not linked to my profit. How much I earn has nothing to do with you. No matter how much I earn, the dividend is 10%.
And I will indicate in the share purchase contract that the share purchase is voluntary and the share withdrawal is free.
In other words, if you feel it is not suitable, you can return the principal at any time." Zhang Junping insisted.
"Have you thought about it?"
"Think about it! Capital-guaranteed investment is only for our Zhang family, outsiders will not accept it."
"Do your mother and others know about this?"
"I haven't told them yet. Isn't this the second grandfather? When you mentioned that you wanted our Zhang family to live a good life, I just thought of such a way.
Originally, I planned to mortgage my house in Beijing to a bank for a partial loan, and then find classmates to invest in it.
No, when the second grandfather mentioned it, I thought that instead of taking advantage of outsiders, it would be better for our Zhang family to make some money together." Zhang Junping said with a smile.
"Have you bought a house in Beijing?" Second Grandpa asked in surprise.
"Yes! I bought a yard that is as big as our village primary school. My eldest sister, third brother, and fifth brother all know about it."
"This...this...this..." Second Grandpa didn't say anything for a long time.
The main reason is that Zhang Junping's purchase of a house is so surprising.
Everyone knew that Zhang Junping made money, but no one expected that he actually made so much money and even bought a big yard in Beijing.
That's the capital, Beijing, where *** lives.
Second Grandpa said so much before, but in fact, he was more worried that Zhang Junping would not be able to pay the compensation if he lost it.
If you don't finish it yourself, your son will pay it back, and if your son doesn't finish it, your grandson will pay it back, and your children and grandchildren will always pay it back. It sounds nice, but in fact it's not reliable at all. It's all deceiving people.
But things are different now. Zhang Junping bought a house in Beijing, which shows that this furniture factory is really making money, and a lot of it.
"Second brother, when did you come?"
"Second uncle!"
At this time, the grandparents, aunt and uncle, and the uncle's two grandsons, Liangliang and Lele, walked in.
"Second Grandpa, Uncle Ping!"
The two little guys were quite sensible and called people one after another when they came in.
"Liangliang, Lele is here? Go find your sister-in-law and ask your sister-in-law to bring you delicious food." Zhang Junping said with a smile.
"Thank you, Uncle Ping!" As soon as the two little guys heard that there was something delicious, they ran out of the living room.
"Second brother, what are you talking about and Pingzi?" Grandpa asked casually after sitting down.
"Sir, my second grandpa and I are talking about expanding my furniture factory next year and letting our Zhang family become shareholders." Zhang Junping replied while busy making tea for his grandparents.
"It's good to expand the scale! It's a good thing to let the big guys make money together." Grandpa said casually without paying attention.
"Your grandson asked us, the Zhang family, to take out loans and invest in shares, and provide guaranteed dividends."