Chapter 497 Go to the bank

Yan Bugui didn't say anything. He also felt a little embarrassed at this time.

It took them a long time to get a minibus, and both of them were so embarrassed that they couldn't speak.

Qin Huairu had urged Yan Bugui to act faster before, but who knew that she had wasted so much time looking for a face, which made her feel very embarrassed.

When the two of them took a taxi to Lee Seung-ri's hotel, they received some unfortunate news. Lee Seung-ri had not returned at all, and even the hotel manager didn't know where Lee Seung-ri had gone.

"This is troublesome. If Li Shengli doesn't come back, no one will know where he went."

Yan Bugui felt a bit of a headache. He had come here to look for Li Shengli several times before and had always found him. He didn't know why Li Shengli was not here today. Did he have a premonition of something?

"Uncle, what should I do? If Li Shengli is not at home, I won't be able to borrow money."

Qin Huairu was as flustered as a headless fly for a moment. She could only shout and had no idea what to do.

"Huh? This..."

Yan Bugui was not that panicked, after all, this incident did not have much impact on him.

"Why don't we go to the bank? The bank should be able to provide mortgage loans."

Yan Bugui actually didn't know much about this aspect, he just knew that the bank had such a business.

"go to bank."

Qin Huairu suddenly realized why she hadn't thought of this step, so the two of them hurried to the nearest bank.

It doesn’t matter which bank it is, the key is to be able to borrow money.

After entering the bank, Qin Huairu asked the bank staff and the news she got was indeed good news for them. The bank could provide mortgage loans, but the loan amount was not very high.

"Uncle, I can lend you money here."

Qin Huairu quickly called Yan Bugui over. Yan Bugui looked at Qin Huairu strangely. Did she need to discuss this matter with him? Shouldn't she just go and apply for the loan directly?

Qin Huairu also noticed Yan Bugui's eyes, and her face blushed a little embarrassedly. It was her first time to come to the bank for a mortgage loan, and she was so happy about the good news that she forgot herself in joy.

"You'd better go and borrow money quickly, otherwise it will be too late and you won't be able to borrow money."

Yan Bugui didn't know what to say at this moment, so he just reminded Qin Huairu again.

"Yeah, yeah, I almost forgot about it."

Qin Huairu was a little flustered at the moment, so she hurried to the counter to prepare for the loan business.

"Hello, what business do you want to handle?"

There was a girl in her twenties sitting in front of the bank counter. She looked at Qin Huairu, whose temples were getting a little gray, and greeted her with a professional smile.

"I want to apply for a loan."

Qin Huairu's movements were a little hesitant as it was her first time handling this kind of business.

Qin Huairu's words made the girl at the counter look at her in confusion. Why would someone of such an old come to apply for a loan? But this matter had nothing to do with her.

"To apply for a loan, you need a guarantor or a guarantor unit. What kind of loan do you want to apply for?"

The girl from the bank looked at Qin Huairu curiously. She didn't look like someone who wanted to start a business.

Qin Huairu was relieved when she heard that she didn't need collateral. The property deed in her hand was not hers anyway. Since the bank could process the loan without it, there was no need for her to mortgage it to the bank. But as for the guarantor, Qin Huairu thought about it and then looked at Yan Bugui who was waiting behind.

"Uncle, come here for a moment."

Qin Huairu waved to Yan Bugui.

"What's the matter?" Yan Bugui walked over curiously. Wasn't the loan being processed? What could he want from me?
"Uncle, this loan needs a guarantor. You should be the guarantor."

Qin Huairu didn't think too much about it. In her opinion, it would be better to borrow the money first.

Yan Bugui was not as optimistic as Qin Huairu. His heart skipped a beat when he heard the word "guarantor". He was the guarantor when Banggeng went to Li Shengli to borrow money before, and now Qin Huairu asked him to be the guarantor for the bank loan.

Yan Bugui almost had a PTSD attack. It was easier when Banggeng borrowed money, at least Lee Seungri didn't come to ask him for it. Besides, Shazhu, Qin Huairu and Banggeng still had houses and could pay off the money owed to Lee Seungri.

Now this is money borrowed from the bank. If he acts as the guarantor, what if, just by some chance, Sha Zhu and Qin Huairu cannot pay back the money, then the debt will fall on him, Yan Bugui.

How could Yan Bugui, who was best at protecting himself, agree to this request?

"Qin Huairu, you also know what my family's situation is like now. We have no house, no savings, and our whole family relies on my pension to live. I really can't afford to be the guarantor."

Yan Bugui thought for a moment and decided not to agree to Qin Huairu at all. He was not stupid.

"Uncle, it's already this late, and you are the only one who can be the guarantor."

Qin Huairu flattered Yan Bugui as much as she could.

Yan Bugui would not be fooled. No matter what Qin Huairu said, he just wouldn't agree.

This was also the psychological trauma caused by Banggeng's inability to pay back the money he had paid before, and the debt almost fell on Yan Bugui's head.

Just as the two were arguing, the girl at the counter became unhappy. This is a bank and this window is for loan processing. There are so many people waiting behind. Why are the two of you arguing back and forth at this window?

"I say, if you two haven't reached an agreement yet, please go to the side and discuss it. There are so many people waiting behind us."

The girl sitting in front of the counter was also unhappy. With so many people coming and going every day, she had no time to watch two old people chatting with each other like they were performing a crosstalk.

Qin Huairu and Yan Bugui immediately stopped arguing.

Seeing that Yan Bugui was not planning to be the guarantor, Qin Huairu thought about it and decided to use Yi Zhonghai's house as collateral.

"Comrade, can I use the property's mortgage as collateral?"

"Sure, this is easier."

Of course this is possible. With some houses as collateral, the bank is not afraid even if you run away.

“Then I’ll get a mortgage.”

"Then fill out a form first, and then hand me your ID card and property certificate."

The girl at the bank counter guided Qin Huairu in filling out the loan form. When she took the property title deed from Qin Huairu, she shook her head after seeing the name written on the title deed.

"This house belongs to Yi Zhonghai. If you want to apply for a loan, you need to ask him to come in person, or he can write a letter of authorization."

This really stumped Qin Huairu. How could she get out of bed and apply for a loan when Yi Zhonghai had become that kind of person?

(End of this chapter)