Bathing in the warm noon sunlight, Bei Yaoyue rested all her body weight on the balcony, enjoying the thoroughly comfortable sunshine.
"Ring... ring..."
The waiting tone when the call connected made Bei Yaoyue's mood fluctuate constantly, until the phone vibrated and Bei Yaoluo's familiar voice sounded in her ear.
"Yueyue?"
"Dad, are you busy right now?"
Compared to two months ago, Bei Yaoyue had obviously beco much more polite. Although it was hard to change one's nature, and so habits from the heart couldn't be changed, she was much better than before.
After a brief pause, Bei Yaoluo waved to signal the subordinate who was reporting work to leave and avoid the call for a mont. He got up and walked to the window, saying: "Not busy, just taking a break. What's the matter?"
They say people don't visit temples without reason. Bei Yaoyue taking the initiative to call him was extrely rare. A father knows his daughter best—with his understanding of Bei Yaoyue, if there wasn't sothing she needed his help with, she definitely wouldn't co to him voluntarily.
"..."
Silence began on the other end of the phone. It seed this wasn't sothing easy to bring up. Bei Yaoluo wasn't in a hurry and quietly waited for Bei Yaoyue to continue, though the employee who had been interrupted mid-report was pacing anxiously outside the door.
After a long while, Bei Yaoyue finally said quietly: "I want to borrow money."
The pride carved into her bones since childhood made it very difficult for Bei Yaoyue to lower her head and make requests of others. Even if that person was her biological father, she still found it extrely hard to speak.
Bei Yaoluo's brow furrowed slightly. Borrow money?
From when Bei Yaoyue ran away from ho until now had been over three years. During these three years, Bei Yaoyue had been heartbreakingly independent, never asking the family for a single cent. This had even made Bei Yaoluo suspect several tis whether she was doing sothing inappropriate and getting inco through illegal channels. Only after secretly investigating and learning that Bei Yaoyue was making money through drawing did he breathe a sigh of relief.
Although he didn't know the exact amount, Bei Yaoluo was clear that the money in Bei Yaoyue's hands was definitely not a small sum—it could even be called an astronomical figure for a child of this age. For such a Bei Yaoyue to still need to borrow money from him?
But Bei Yaoluo was Bei Yaoluo after all. Even with doubts in his heart, he didn't show them, instead saying straightforwardly: "How much?"
Without asking the reason or purpose, Bei Yaoluo directly agreed to Bei Yaoyue's request. This was partly out of love and trust for his daughter, and partly because he had such capital.
"Fifty million."
"..."
Bei Yaoluo fell silent for a mont. Although fifty million wasn't a small number, to him it was just a drop in the bucket. The liquid funds in his personal account far exceeded this amount. Of course he could lend it, but the question was... what did Bei Yaoyue need so much money for?
He thought for a mont and confird again: "You want to borrow fifty million yuan, correct?"
"Mm..."
Bei Yaoyue's voice lacked confidence. Although she had boasted to Xifeng that Bei Yaoluo would definitely lend to her, she actually wasn't certain in her heart. After all, this was fifty million, not five thousand yuan—it was a huge fortune sufficient for soone to live luxuriously for a lifeti.
Bei Yaoyue had wanted to tell Bei Yaoluo her purpose for borrowing this money, but since Bei Yaoluo didn't ask about the purpose at all, she naturally couldn't bring it up herself.
"Alright, I can lend it to you." Bei Yaoluo nodded. In just a few monts he had determined the flow of tens of millions in funds. "But I have one requirent."
"...What requirent?"
"This money is lent to you, not given to you. What's borrowed must be returned. I require you to repay eighty million with principal and interest five years from now. As long as you agree to this condition, I'll transfer the money to your account right now."
"..." Bei Yaoyue was montarily speechless.
Fifty million, returning eighty million with principal and interest after five years—a total interest rate as high as 60%. Averaged over five years, the annual interest rate reached double digits, higher than bank loans. Most dostic bank loan annual interest rates were below 5%, even reaching loan shark levels.
But since bank loan amounts were determined after comprehensive consideration of assets, loan terms, repaynt ability, etc., if Bei Yaoyue went to a bank for a loan in her current state, forget fifty million—whether she could even get five hundred thousand was unknown. After all, on the surface, she was just a high school student.
"...What if I can't repay it then?" Bei Yaoyue asked quietly. She had to consider this question. Although she was confident she would probably succeed, there was always a chance of failure. Thinking from the worst-case scenario was never harmful.
Bei Yaoluo smiled lightly, not giving a direct answer: "You'll know when the ti cos."
"...(Are you kidding ?)"
"You don't need to give an answer right away. You can go back and think about it for a few days. Co find anyti—as long as you agree to this condition, I can lend you the fifty million anyti."
"...No need." Bei Yaoyue slowly shook her head. "I agree."
What else could she do? Currently, besides Bei Yaoluo, she couldn't find a second way to borrow so much money.
No, there was still one way—illegal loan sharks. But those loan sharks often charged 20-30% interest. Anyone who borrowed from them was an idiot.
"Good." Bei Yaoluo imdiately nodded. "I'll transfer the fifty million to your account shortly. Rember what you promised today—five years from now, principal plus interest, eighty million, must all be repaid to . Not a cent less."
"...Mm, I understand."
After hanging up, Bei Yaoluo imdiately began operating on his phone without a word, transferring fifty million from his account to Bei Yaoyue's account. He didn't even furrow his brow, as if it wasn't fifty million but so insignificant small change.
Actually, Bei Yaoluo didn't lack this fifty million at all, nor did he need Bei Yaoyue to repay the eighty million. After all, to put it bluntly, when he died, all his property would eventually be left to Bei Yaoyue anyway. He just needed to use this thod to give Bei Yaoyue so pressure.
Although Bei Yaoluo didn't know what Bei Yaoyue wanted the fifty million for, he assud it was for so investnt. But investnt carried extre risks—one careless move could result in total loss and bankruptcy.
Pressure creates motivation. Only by giving Bei Yaoyue enough pressure, forcing her to constantly worry about repaying the money in five years, could he make her more cautious in taking each step forward.
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