Rebirth of the Medicine Master

The Chen family is currently facing a great dilemma.

My father had an accident in another place, and he lost both his life and money, and was left with hundreds of thousands of dollars in debt.

There are private ones and bank ones.

To pay off the debt!

Her mother, Li Ying, sold all the goods and valuables at home, borrowed money from everywhere, and demolished the east wall to pay for the west wall.

Even so, there is still a hole of 100,000 yuan.

The loan is about to be overdue.

They really can't get the money out.

There is also an apartment at home, which is worth some money. If it is sold, it will be enough to pay off the loan.

But the house is their only place to stay. Once sold, they will be homeless.

Chen Yang thought about it carefully.

The house must be saved, it is their home.

If he had enough time, he could get some money, but there really wasn't much time left for them. The deadline was coming soon, and it was too late to get money now.

After thinking about it, there is only one way.

Chen Yang immediately went to the bank and found Manager Zhao, who was applying for a loan for his father.

"Chen Yang, I am also very sorry about your father's matter. However, the breach of contract has become an objective fact, and we can only act according to the process."

Manager Zhao seemed to have been mentally prepared for Chen Yang's arrival.

Manager Zhao!

Chen Yang whispered: "Breach of contract happens for a reason and cannot be resisted by human beings. In fact, we don't want this to happen. We just hope that the bank can give us more time and allow us to slow down."

Sorry!

Manager Zhao shook his head and said, "I really can't help you with this."

The bank also investigated and found out that the Chen family no longer has the ability to repay.

The longer the delay, the greater the bank's losses.

"Not negotiable?"

Chen Yang asked further.

"Sorry, this matter has been submitted to the Legal Department and is no longer under my control."

Manager Zhao was helpless.

In order to avoid further losses, they have prepared materials and are about to submit them to the court.

"But... you are not completely helpless. At least your house is quite valuable."

Manager Zhao changed the topic and gave a tactful reminder.

He knew that Chen Yang also had a suite at home, which was located on the medicinal street. If he sold it, he could fetch 150,000 to 60,000 yuan, which would be more than enough to repay the loan.

All right!

Chen Yang nodded and said: "Since you mentioned the house, let me also talk about this house. The house is the joint property of my parents, and it should be half of my mother's, right?"

It stands to reason!

Manager Zhao nodded.

"Since you have half of my mother's house, you can't take it away. Even if you take it, can you only take half of it?"

Manager Zhao smiled: "According to the law, when the debtor dies, the spouse also has the obligation to repay the joint debt."

He has dealt with many similar things and is very comfortable with them.

"My dad had an accident and was unable to repay the loan. He didn't intend to default on the loan. It can't be characterized as a simple failure to repay the debt, right?"

"How to characterize it is a matter for the court and has nothing to do with us."

Manager Zhao shrugged.

"I have read your contract, and it only has my father's signature on it. Therefore, the loan from your bank is only my father's personal loan, and is not a joint debt of the couple. Therefore, my mother has no obligation to repay the debt owed by my father."

"In addition, this house is our family's only residence and the only income security. Do you think the court will completely award your bank?"

Chen Yang asked questions one after another.

Manager Zhao's smile gradually faded, and he began to pay more attention to the young man in front of him.

This young man is not simple, everything he says is on point.

There is indeed a loophole in the contract, that is, there is no signature from the woman. It may be that the contract was handled in a hurry and was overlooked.

After all, there are many irregularities in the loan process in this era.

However, this is not a problem. As long as it can be proven that the loan is used for business purposes, it is considered a joint debt.

Although obtaining evidence is somewhat troublesome, it is not impossible to solve.

But the last one really confused Manager Zhao.

If this house is really their only residence and their livelihood, it is really unlikely that the court will award all of it to the bank.

After all, Chen Chuan was in an accident rather than an old man. The nature of the accident is different, and the court must also consider the basic living needs of his family members.

"Young man, is this just your wishful thinking?"

Although Manager Zhao said this, he still felt a little uneasy.

The items mentioned by Chen Yang are all objective facts. It is really difficult for the bank to completely win the case.

Manager Zhao!

Chen Yang said calmly: "I just want to tell you, if you really go through the legal process, there are still two questions about whether you can take away the house. Even if you can take it away, you can only take away part of it. Who will take away an incomplete house?"

Buy? Even if someone buys it, it’s not worth it. Is your account a profit or a loss?”

"You mean you don't plan to pay it back?"

Manager Zhao's voice began to turn cold.

Since it doesn't make sense, just file a lawsuit. The bank's legal department is not just for free.

No!

Chen Yang shook his head and said: "I came here today to solve this problem. If we go through the judicial process, there will be a lot of wrangling. Even if you take part of it in the end, you will still be at a loss. Doing so is simply not worth the gain. I have

Here’s a suggestion, to ensure that you don’t lose anything and you can still earn some interest. You can transfer my dad’s debt to me and I’ll pay it back.”

Are you coming to return it?

Manager Zhao looked at Chen Yang in surprise and was speechless for a moment.

Isn't this a joke?

He had already investigated it clearly before.

How can the whole family be supported by Chen Chuan alone?

Where is the ability to repay?

"Young man, I'm not looking down on you. Your family is like this, what guarantee can you give?"

Manager Zhao asked in confusion.

house!

Chen Yang said: "I will pay back the house."

What the hell?

Manager Zhao’s head didn’t turn around for a while?

Why did I go around and back to the starting point?

"It's like this, Manager Zhao." Chen Yang explained: "If you are willing to transfer the debt to me, I will use my house as a mortgage. A house worth 150,000 to 60,000 yuan can be loaned out at least 11,120,000 yuan.

, my dad’s debt can be repaid. Then I will pay it back in installments, and the pressure will be less. If it can’t be repaid, you can just take the house away.”

This is currently the only way he can think of to save his house.

Borrow new debt and pay old debt?

Commercial loans become installment repayment business.

Dead accounts become live accounts.

Manager Zhao was moved in his mind. He thought about this method carefully and found that it was indeed feasible.

As Chen Yang said before, if both parties really go through legal procedures, they may not be able to get everything.

After all, wrangling is troublesome.

What’s the point even if you can get part of it?

In fact, going through legal procedures is only a last resort.

The bank has no intention of doing this until the last moment.

In fact, they hope that the Chen Yang family will take the initiative to buy the house and repay the loan.

Everyone is relieved.

However, Chen Yang provided another idea.

If we follow this line of thinking, both of these things can be easily solved.

First of all, the debt can be paid off without leaving any bad debts.

Secondly, if Chen Yang takes the initiative to take out the house as a mortgage, there will be no property rights disputes, and the bank can still earn some interest. Even if he fails to repay the mortgage, the bank can take the house away at any time and there will be no loss.

After weighing the pros and cons, Manager Zhao suddenly made a calculation.

He knocked on the table and asked seriously: "Can you make the decision in this house?"

able!

Chen Yang nodded and said: "When the time comes, both my mother and I will sign. I will take the loan and she will guarantee it. Now you should rest assured."

good!

Manager Zhao slapped the table and said with a smile: "I'll report it to the leader right away. But there should be no problem. You all can come over this afternoon and we will solve this problem as soon as possible."

This matter is also good for Manager Zhao.

Bad debts turned into good debts, one business turned into two businesses, and profits were guaranteed.

Thank you, Manager Zhao!

Chen Yang had a smile on his face.

The reason why he talked so much was to tell the bank that if the bank really went through the legal process, it would be a lose-lose outcome.

If they consider their own solutions, it will be a win-win situation.

It's obvious that Manager Zhao is a smart man and knows how to choose.

This is done!