When Black Cat heard the next number, he was immediately shocked: "Borrow ten and return twenty-two... You can't rob so quickly! You just said that the three-month interest rate is high!"
“The three-month interest rate is high!”
The fox mask pulled the abacus and said plausibly: "Calculate, based on the three-month interest rate, if you go out nine times and come back thirteen times, if you borrow ten golden beans for one year, the annualized interest rate will be 177.8%... And what I just calculated for you,
If you borrow directly for one year, the annualized interest rate is only 120%! There is still a difference of five golden beans!"
"But I don't actually need to borrow money." Black Cat looked at him with a faint look in his eyes - although he didn't quite understand Mammon's calculation formula, it didn't mean that he didn't realize that this guy was cheating him.
He is indeed the representative of ‘greed’.
"I'm just giving you the cheapest plan in the long run." Mammon said in a tone that said I'm not lying, which made his fox mask look even more hateful.
"Ahem, I'm sorry, I hit you with the cat jade before." The black cat turned to look at the sinner with an apology on his face: "There will never be a next time..."
"Don't worry, after you pass the assessment, there won't be another chance." The sinner's tone was full of disgust.
"So..." Mammon interrupted the conversation between one person and one cat, and reminded Black Cat: "If you don't have any other opinions, would you like to sign it?"
He pushed forward the piece of parchment with golden flames surrounding it, and at the same time put away the other two.
This time, Black Cat carefully checked the loan amount and the total repayment, and it was confirmed that ten loans were borrowed, with a three-month period, nine out and thirteen returned, and thirteen were repaid upon maturity.
Then it carefully pressed its cat's paw on the parchment.
A flash of red light flashed, and the contract was established.
Mammon carefully folded the contract and stuffed it into the small leather bag hanging around her neck.
"This is your gold, please check it." He took out a handful of golden beans from the small leather bag, lined them up and placed them in front of the black cat: "Please count the gold in person, and you will not be held responsible if you turn around!"
The black cat tapped the tip of its tail and counted them.
"etc!"
It screamed, interrupting Mammon who was about to turn around and leave: "Aren't there ten golden beans? You just gave me nine! Don't tell me that I lost one more!"
Mammon turned around, her eyes full of confusion.
"Just nine?"
He took out the contract that the black cat had just stamped on, and pointed to the four words marked in red: "The terms are clearly agreed, nine out and thirteen back... It means that if you lend me ten golden beans, I will give them to you."
When you are ten, in order to control the risk, you will first receive the interest of one golden bean, so in your hand, there will only be nine... commonly known as 'beheading interest'... and then three months later, you will give me the remaining
The twelve golden beans bet, totaling thirteen golden beans before and after, so it is called "Nine Outs and Thirteen Returns"... If you had chosen another one-year financing at that time, there would be no "head interest".
I said I would lend you ten golden beans, but they were actually ten..."
Well-founded, but also with a look of regret.
It makes people...irritating.
The black cat took a deep breath and turned to look at the sinner: "Does he deserve to be beaten so much among the Seven Deadly Sins? Will there be any trouble if I eat him..."
"I suggest you be cautious here, guest."
Mammon carefully took a step back with a smile on her face: "The transactions between us are all voluntary, and we will never buy or sell by force... And if you eat a student in school, you will be imprisoned by Danhag for the rest of his life.
of… even if you’re just a cat.”
The sinner glanced at the black cat: "I promise, he is not the one who deserves a beating..."
"If there is nothing else, please allow me to take my leave first." Over there, the wizard wearing a fox mask once again took a few steps back into the shadows behind him.
"etc!"
The black cat scooped up the golden beans in front of him and tugged his ears: "I won't borrow it for three months. I want to pay it back in advance! Pay it back now, immediately, immediately!"
"Tsk, you still have some brains." The sinner who watched this scene smacked his lips.
The smile on the Mammon Fox mask disappeared visibly.
“There will be penalty interest for early repayment!”
His voice sounded a little sharp: "Every time you complete a contract, you will accumulate a certain credit score. Those points can make you our high-quality customer, so that one day in the future, if you need gold, you can get a lot from us."
High credit limit!”
"I would rather peel off this skin and sell it as fur than borrow money from you." Black Cat refused very simply: "After all, after peeling off the skin, apply some medicine and sleep for one night, the fur will grow back... But here with you
If I borrow money, God knows if I will lose all my flesh and blood."
"The penalty is very high!" Fox Mask continued to persuade: "It's just ten golden beans anyway. You can use this money to buy a magical weapon that you can use, and go out to catch two beasts fighting in the forest. Won't you make money back?"
"With ten golden beans, you plan to make me risk my life." Black Cat rolled his eyes, but this time he was a little more careful: "First tell me how much the penalty interest is..."
The parchment filled with golden flames appeared again between the fox and the cat.
Black Cat squinted and carefully read through the terms inside, and finally found two sentences about penalty interest between the words - if the loan is paid off in advance within one year, the interest will be charged for no less than three months of the total loan amount;
If you make early repayment after the end of the year, you will be charged an interest of no less than one month on the total amount of the loan.
It turned these words around in its small head several times.
"If I understand correctly," Black Cat tried to make his tone calmer: "I borrowed for three months, which means the loan is less than one year...and the penalty interest rule for early repayment is that the charge will not be less than the total amount of the loan for three months.
The interest...according to the fact that I borrowed ten golden beans, then the penalty interest is three golden beans?"
"It's no less than..."
Mammen was about to emphasize certain words, but found that the black cat in front of him was quietly getting bigger. A little, a little, and soon, the black cat's front legs were almost the same as his height. Those yellow eyes,
It was like two small moons hanging above his head, so that for a moment he felt like there were three moons in the sky.
"What?" Black Cat asked in a booming voice.
"Yes, that's right, they are three golden beans!" The fox mask was able to bend and stretch, and decisively stopped the loss.
Snapped!
The golden bean fell between the black cat and mammon.
The fox had quick eyes and quick hands, and picked it up. After weighing it, he frowned: "Wait a minute, guest, did you miscalculate? There are only eleven here... You borrowed ten, and you were beheaded before."
If you have two pills, then you need to pay back two more pills...that is to say, you need to pay me back ten plus two pills, for a total of twelve pills!"
The black cat slimmed down so as not to attract the attention of the school.
Then it opened its mouth wide and roared at Mammon: "I got nine pills, you beheaded me and took away one pill, and I will return two more pills... Nine plus two, isn't that eleven pills?!"