Chapter 437: 435, Auntie, I really am a good man!

About an hour later, Luofeng arrived at the parking garage.

Originally, the Little Fairy had offered to give him a ride.

But Luofeng reassured her it wasn’t necessary.

After all, she was just a Fairy who had been seriously injured by Daoist Luo.

"Auntie, I’m finished up here. How about you?"

Luofeng quickly sent a message to Tangya.

Tangya replied instantly.

Had she been waiting for my message all along?

"I’m at home. What would Student Luo like to eat?" Tangya asked.

Luofeng considered for a moment. He first ruled out the late-night food stalls near Tangya’s home.

If they went to a stall near her home, would the owner recognize Tangya? After all, few could forget such a beauty, right?

"I’ll come and pick you up now. Let’s go to the bar street. There’s a Sakura Country Bar there; their grilled skewers are really good!"

Tangya replied, "Alright. You know where I live, right?"

Luofeng laughed. "Of course. I’ll be there in about half an hour."

"Okay!"

How could I not know where Tangya lives?

Tangya herself had once seen Luofeng taking Bai Ningbing home.

At that time, Luofeng was driving his dad’s old BMW X5.

Bai Ningbing had been carrying bags full of shopping home, and this had led Tangya to many misunderstandings.

She had worried that her daughter was being kept by some rich second generation.

However, it later turned out that Bai Ningbing had actually gifted that LV long dress to her mother, which led to that bizarre blindfolded hug from behind.

And now, the problem had escalated.

If I hadn’t mistaken Tangya for Bai Ningbing back then because of that LV dress, there wouldn’t have been any misunderstanding, and we certainly wouldn’t have reached this point today. One wrong step leads to many more, huh? Is that what this is?

「」

At 10:30 PM, Luofeng drove to Tangya’s Blue Sky Residential Area.

His Lamborghini made entry easy; he simply said he was picking up a friend and was allowed right in.

He didn’t even have to register.

Of course, this was also due to the residential area’s lax security. If it were a more upscale complex, one would at least need to register, no matter what car they drove.

In less than three minutes, Tangya approached, dressed in a professional suit, looking elegant and poised.

Thirty-seven years old? Elegant and poised? Shouldn’t she be described as an attractive, mature woman at best? But there was no denying it; this Tangya truly defied nature. From a distance, she absolutely looked like a young girl. Up close, one might perceive her as slightly more mature, at most. But anyone who didn’t know her true age would definitely think she was only twenty-five, certainly no older than twenty-seven or twenty-eight.

The Lamborghini was air-conditioned, so Tangya naturally took off her coat.

She was still dressed in a tight sweater.

Luofeng glanced over.

Probably somewhere between a C and a D cup.

Tangya, still pretending not to notice Luofeng’s gaze, began to discuss work matters.

"Student Luo, regarding the loan term for Jiamei, after internal discussions at our bank, and considering the West City Development situation, we are offering six years!" Tangya began by clarifying the loan term.

This term aligned with the West City Development Plan.

The West City Project was also expected to be completed in about five years.

So, the entire loan has to be repaid less than a year after completion? But in reality, a loan offering a seven to eight-month grace period post-completion was quite reasonable.

"There’s no problem with that. In six years, the West City Project should also be completed!" Luofeng nodded.

"Then, Student Luo, you should be aware of the usual loan interest rates at banks, right?" Tangya asked.

"I’m not really sure," Luofeng shook his head. "Jiamei has never taken out a loan before, and I haven’t personally dealt with them either."

Tangya quickly began to explain the current bank loan interest rates: "About 4.3% for one year, around 4.75% for one to five years, and about 4.9% for terms over five years."

In other words, for a loan of a million, the annual interest would be 49,000, amounting to roughly 250,000 in interest over five years. Actually, the bank’s interest rates aren’t very high. Take Old Ma, the richest man, for example. Whether it’s a three-month, twelve-month, or twenty-four-month plan, the annual interest rate for his financial products, calculated at the minimum repayment amount, reaches a whopping 12%. So, why have so many people stopped using Ant Financial? That’s why some internet personalities claim the best chance ordinary people have in their lifetime to get a low loan interest rate is through a mortgage. But that’s just talk. I don’t think mortgage interest rates are low; of course, the lower, the better. After all, a house is the ultimate goal for most ordinary people, isn’t it? But consider this: with such low interest rates, who ultimately benefits more—ordinary people or the wealthy? There are purchase limits, sure. But don’t they have ways around them? For every policy from above, there’s a countermeasure from below.

"What loan interest rate is your bank offering Jiamei?" Luofeng asked.

"Student Luo, do you know Yuan Mei and Yang Meng?" Instead of answering Luofeng’s question, Tangya started to gossip.

"Huh?"

Luofeng was puzzled for a moment. Weren’t those two the "plum blossom" spreaders?

Luofeng asked, "What about them?"

"On Friday, the wife of one of our vice presidents was found to have ’plum blossom’ during a workplace check-up. This involved the vice president and consequently implicated Yuan Mei, Yang Meng, the manager of the loan audit department, Zhu Jun from our VIP client department, and even two new interns!" Tangya said in a gossipy tone. 𝗳𝗿𝐞𝕖𝘄𝗲𝕓𝗻𝚘𝚟𝕖𝐥.𝚌𝕠𝕞

Impressive. She truly is a professional-level woman with dozens of "conquests." Yuan Mei and Yang Meng, they didn’t even spare those interns in their early twenties?

"The vice president has been suspended. Yuan Mei, Yang Meng, Zhu Jun, and the manager of the audit department have all been fired due to issues with their personal conduct!" Tangya added.

Luofeng chuckled. "I knew they were no good from the start!"

Tangya shot Luofeng a sidelong glance. She didn’t think Luofeng was a good person either.

Luofeng also caught Tangya’s coquettish, meaningful eye-roll.

And he understood what she meant. But Luofeng just wanted to say, "Auntie, I really am a good man!"

After finishing the gossip, Tangya returned to the topic. "Regarding the bank loan interest for Jiamei, our bank discussed it internally and came up with two proposals!"

"Oh? Tell me about them."

"Hold on, I’ll send them directly to your phone!" Tangya said. "Drive carefully. There are a lot of drunkards around here who might suddenly dart out from a blind spot!"

Luofeng laughed.

Tangya even knows such trendy slang? "Ghost head peek"? Meaning, someone suddenly popping out from a blind spot.

This bar street, though not as bustling as Mr. Thirteen’s place in Capital City, was still very crowded.

When the Lamborghini drove in, it immediately attracted everyone’s attention.

This was especially true for some heavily made-up young women, who stared at the luxury car with intensely possessive gazes.

Among them, the more rational ones were the girls involved in straightforward transactions; they set a price to earn money, without any illusions. The irrational ones were those not involved in transactions but who dreamed of marrying a rich second generation. Heh, these rich second-generation guys just need to flaunt their status; they don’t need to spend money on you, do they? If you don’t put out, plenty of others will throw themselves at them. Why do so many people make donations online? Because online, donations are the primary way to flaunt their wealth. If an online streamer is 100% certain you’re very wealthy, would you still worry she’d think you’re poor just because you refuse her request for a donation? Consider this: who can casually donate tens or hundreds of thousands? What annual income makes that rational consumption? Probably over five million a year. If you work hard all year to earn one million, would you be willing to casually donate tens or hundreds of thousands with a wave of your hand? Is your income stable? Can you earn another million next year? Aren’t you saving for a house or a car? So, how many people are actually rational consumers? The ones being fleeced are the poor and the new-money types who struck it rich suddenly. If you could be surrounded by women in real life, who would seek validation online?

Take car buying, for instance. Official advice suggests that spending 10% of your monthly income on car maintenance is rational. But what’s the reality? Say your monthly salary is over ten thousand, and you buy a 5/6/E-segment car—like a BMW 5 Series, Audi A6, or Mercedes-Benz E-Class? Indeed, many can afford the full payment of half a million for such a car. But annual maintenance costs range from thirty to fifty thousand. Spending half your monthly income on car maintenance? You might as well be supporting a dependent. Only with a monthly income of fifty thousand could buying a 5/6/E-segment car be considered rational. But think about it: if you run a late-night food stall and happen to make fifty thousand one month, is that income stable? So, that’s not rational spending either.