I went to the bank.
I took my number at the consultation counter and waited until it was my turn.
"I'm trying to get a loan!"
"Is this a mortgage?"
"It's not a mortgage, it's a credit loan."
"Credit? Give me your ID."
I showed you my employment certificate along with my ID card.
"Is this an office loan?"
"Yes."
"I've been at work for less than a year."
A bank employee entered the resident registration form on my ID card and looked at the computer for a long time.
I waited nervously, swallowing my saliva.
"There's been a delay before."
"What? Oh, that. It's a small amount."
"A small amount of overdue payment is also overdue. You have to take good care of your small business."
The bank employee shook his head while looking at the computer for a long time.
"You can borrow up to 2 million won. That's going to be hard for our bank."
Meanwhile, the bank employee handed over his ID card and employment certificate back.
I felt like a job worth six million won a month was flying away.
"How can I not?"
"Well, I don't know if I can handle it in the secondary banking sector."
"Secondary financial sector?"
"It's like a capital company or a savings bank."
I'm going to ask you a few more questions, and the bank clerk rang the bell and called the next waiting guest. I left the door of the non-principal bank with my proof of employment.
"Shippal! Son of a feather! You're so fussy that you'll never pay a few such interest to someone who earns six million won a month!"
I left the bank door and spat out phlegm.
I was walking sadly and passed by MG Community Credit Cooperative. There was a banner hanging.
[Office credit!] [Official credit! You can borrow up to 30 million won at an annual interest rate of 5.8%!]
My eyes flashed. "You're right!" I'm right!"
"This is totally my institution!"
I calculated what the monthly interest would be if I borrowed 20 million won. I paid with the calculator on my cell phone.
"Hmm, 20 million times 0.058 is 1.16 million won, and if you divide it by 12 months, you only have to pay 9.66. Killing, 96,600 won a month!"
I'm in high spirits again.
If I bought a frozen tower and earned 6 million won a month, I thought it would be worth less than 100,000 won a month. I opened the door of the village safe and went in.
"Well, I saw the banner and I came in. Can I borrow money for office workers?"
"Yes! Have a seat here."
The staff in charge asked me to sit with a smile. It was a lot smaller than the bank, but it was nice because it was kind.
"Well, your current job is less than a year old, can I borrow money?"
"Yes, you can if you've been in office for more than three months."
I thought it would work here.
"Did you bring your certificate of employment?"
"Yes, ma'am, here you are."
I handed out my resident registration card and the certificate of employment I brought with me.
The staff in charge looked at the certificate of employment and said,
"You're going here now, aren't you?"
"Yes? Oh, yes..."
My conscience pricked me a little. The reality was that he quit the company at Anyang Myeonghak Station.
I quickly presented a receipt for withholding earned income tax as the staff in charge seemed to look at it with suspicious eyes.
"This is the withholding receipt of the earned income tax issued by the company."
"What? Oh, good."
The employee in charge copied the ID I gave him and looked at the computer carefully.
"How much do you want to spend?”
"Wouldn't it be... 20 million won?"
"You can borrow 15 million won up to the credit rating of 6. You can get 12 million won because you're below grade 6."
"Well, that's fine."
If the village safe gave me 12 million won, I would be able to match the 3 million won I have and 20 million won if I borrow it somewhere.
The staff in charge gave me the loan application and asked me to sign where I marked with a ballpoint pen.
"The loan I'm receiving now is an emergency living loan for sunshine workers. Due to your credit rating, you cannot apply 5.8% annual interest. 10.6% applies."
I thought that a man who earns 6 million won a month was nothing.
"Oh, yes. It doesn't matter."
"You need to be screened first. You'll get a text message in a day or two about whether you'll get a loan or not.“
"I look forward to working with you."
I bowed to the staff at a 90-degree angle and left the village safe.
"If 12 million won comes from the Community Credit Cooperative, it's 15 million won, including 3 million won I have. So where can I borrow the remaining five million won?"
There's no such thing as borrowing money personally.
"Ay! Let's find out when the town safe loan is decided!"
Then I came back home.
There's a call for a bisexual mother.
"You, what happened to buying a truck?”
"Yes, the town... No, I applied for a loan with the bank.”
"You said the car cost 20 million won. You seem to have had quite a career, didn't you save 20 million won?"
"Huh? Oh, well, that's because I paid off some of the scholarship foundation's student loans."
"Hey, you asshole! Why do you have to pay it back quickly? How cheap is interest on government loans!"
"Well, that's it, but I'm afraid I'm a little short of money. Can't I borrow about 5 million won from you? I'll pay you back the money I earned in the first month."
"No! All the money I have is in stocks."
"He, is he?"
That's what I mean! I thought he wouldn't lend money because he was a friend. I thought I wouldn't lend money even if I had money.
[I'm the crazy one asking for money.]
I kept hearing the voice of the bisexual mother in the cell phone.
"Boseong Powertech, where I'm in now, and its stocks are going up all the time, and you can't take out the money now!"
"He, is he? What kind of company is Bosung Powertech and Hanchang going up so fast?”
"You didn't know? Boseong Powertech is a company with Ban Ki-moon's younger brother Ban Ki-ho as vice chairman."
"Really?"
"Han Chang, CEO of the stock company, is also an alumnus of the Seoul National University of Law and a permanent member of the U.N. Environmental Organization."
"Really? But where did you get that information?"
"Ha-ha. You'll know everything if you do stocks."
"Then are you sure Ban will be president?"
"I don't know that. You have to vote to find out. But aren't you the strongest presidential candidate at the moment? Isn't he a world-renowned person? Stocks rise with possibilities in mind.”
"Really? But how do you do the stock?”
"You can go to the securities company and open an account. But don't you."
"Why? Why can't you do it won't work for me?”
"You have to pay the tuition until you get the hang of it.”
"School fees?"
"I have to lose some money. You lose your money when you do it for the first time. The cost is tuition. I've paid quite a bit of tuition, too, and I've come to this point."
"How much is the tuition?”
"It's different for everyone. Some people lost tens of millions of won for tuition, while others lost a house. For the tuition.”
"Is that so?"
"You, don't. Just drive the truck. It's not just anyone who shares."
I envied the wool. This guy certainly seemed ahead of me.
an end
c Bad center line