pertwk Chapter 038 Sister Yu~
Chapter 038 Sister Yu~
As the mechanical voice faded, Lu Chen stood frozen in place, unable to recover for a long time.
The mechanical sound that rang out from inside the window when he first repaid his bank debt also came to Lu Chen's mind.
—Once the debtor has settled the debt, interest will no longer be calculated starting from the next calendar month.
Today is February 8.
The next calendar month is September.
In other words, Lu Chen has to pay the interest for 300 days in August first, and then repay the principal of the debt for 6 years, before he can stop paying interest to the bank starting in September.
"It's so dark..."
After doing just a simple calculation, Lu Chen's lips twitched uncontrollably.
Lu Chen was revived on July 30 and has only lived in the City of Time for 5 days.
On the day of his recovery, Lu Chen had already paid the interest for the 300 days in July.
Now, if Lu Chen wants to pay off his debts by August, in addition to the 6-year debt, he will also have to pay interest for 300 days in August.
In just five days, Lu Chen will have to pay interest for 1 year and 245 days on a 6-year bank debt.
Daily interest rate [120 days], daily interest rate 5.48%.
The monthly interest rate is 154%.
The annualized interest rate would then be 1972%...
Lu Chen remembers it clearly: in 2025, an annualized interest rate exceeding 13.8% will be considered usury.
The portion exceeding 13.8% does not need to be repaid.
An annualized interest rate exceeding 36% may constitute a crime of illegal business operations, and the creditor may be held criminally liable!
In the City of Time, the annualized interest rate of Lu Chen's "bank loan" is 143 times the "usury threshold" in 2025...
"Return it."
In his confusion, Yu Ping's gentle voice rang in his ears, causing Lu Chen to instinctively turn his head.
Yu nodded slightly: "There will never be a second chance like this."
"The sooner you pay it off, the less you lose."
As she spoke, Yu stretched out her left arm and pulled up Lu Chen's left arm.
The two timers also came together for the second time in a very short moment.
【06:59:11:52:43】
……
【07:59:11:52:35】
Looking at the time on his left arm, which had officially broken through the 7-year mark, Lu Chen couldn't help but look at Yu's left arm.
【01:94:08:27:13】
She slowly raised her head and looked at Yu with gratitude.
But Yu grinned and said, "It's not like I gave it to you for free."
"The previous two years of personal debt, plus these three years, makes it five years."
"After we sign the Private Debt Repayment Agreement later, I'll be happy to be my sister's workhorse."
Hearing the teasing in Yu's words, Lu Chen smiled and lowered his head.
Then, he looked up at the jade with utmost seriousness.
He did not speak.
I am deeply grateful and cannot express my thanks.
Thinking this, Lu Chen turned around again and looked at the dark bank window.
"Pay the interest on this month's debt."
...
The robotic arm extended, and Lu Chen grabbed it.
【07:59:11:50:42】
...
【06:124:11:50:27】
The robotic arm retracted, and Lu Chen spoke again: "The entity responsible for repaying the debt."
This time, there was a long silence inside the window before the mechanical sound came out again.
"Recovered individual: No. 9527, applying for debt repayment."
"Debt subject: [6 years]".
Please confirm.
Lu Chen nodded subconsciously: "Confirmed."
Immediately afterwards, a long buzzing sound came from inside the window.
Finally, the robotic arm extended again.
"Please pay."
Lu Chen stretched out his hand, his gaze fixed on the [Timer] on his left arm.
【06:124:11:49:03】
...
【00:124:11:48:37】
……
Previously, Lu Chen was somewhat unsure whether gaining or losing "time" was just a figment of his imagination.
But this time, Lu Chen clearly sensed that a life force was being drawn from his wrist!
Of course, it's also possible that Lu Chen was just too heartbroken...
"Debt repayment completed."
「复甦者：9527号，当前余额：【00:124:11:48:19】。」
"Bank debt: None".
"Private debt [5 years], repayment plan and interest to be determined."
Credit rating: D-.
"Collateralizable assets: None".
"Debt default risk: 74.53%"
"Assess loan amount: [20 seconds]"
...
"Time Bank reminds you: Please go to the police station to register your occupation information and obtain a number within 364 days, 23 hours, 59 minutes and 45 seconds."
"Failure to register by the deadline will be considered a voluntary waiver, and an automatic number will be generated: 18-243-9527."
……
Inside the window, silence returned.
Lu Chen took a deep breath and slowly turned around.
The look in his eyes as he gazed at Yu was somewhat complicated.
—After paying off his debts, Lu Chen has 124 days left.
Jade has only 1 year and 94 days left.
No one would believe that these two people, just minutes before, held a huge sum of money equivalent to "8 years and 153 days"...
Let's go!
"Once you've paid off your bank debts, you're considered out of the woods, understand?"
"Pay off my personal debts, and even if you have to become a parasite, you can survive in the City of Time."
Noticing that Lu Chen was in a bad mood, Yu Zhi casually stepped forward, put her arm around Lu Chen's neck, and even teased him.
After skipping and hopping for a while, they stopped in front of a shop.
With her hands on her hips, she tilted her head back playfully.
"Since I helped you get ashore, won't you treat me to a nice meal?"
·
·
·
·
Lu Chen never expected that the "good meal" Yu mentioned would still be related to black bread.
— Two slices of black bread, with some pickled vegetables in between, and a slice of what appears to be luncheon meat that has no taste.
One serving is 45 minutes long.
Lu Chen only took one bite before feeling a pang of regret for the 1 hour and 30 minutes he had paid.
Yu, on the other hand, ate with great relish.
He finished eating quickly and even got up and left for a moment.
Upon his return, a "Private Debt Repayment Agreement" was presented to Lu Chen by Yu.
Lu Chen reached out and took it, then opened it.
A moment later, he looked up at Yu again, and the gratitude in his eyes was even greater than before.
"Pay my monthly mortgage."
"Each month has 60 days, for a period of 42 months."
"Including principal and interest, the total term is 7 years, with an annualized interest rate of 11.4%."
Yu spoke casually, but Lu Chen was deeply moved.
—This interest rate is perfectly normal…
It's so normal that in the City of Time, it seems all the more abnormal...
"Sister Yu..."
"—Hey, hold on."
Just as Lu Chen was about to speak, Yu exaggeratedly raised her hand and made a gesture as if she were a traffic policeman stopping a vehicle.
Then he said with a chuckle, "This way, it's better for both of us."
"—That means I'll have a fixed salary for 60 days every month for the next three and a half years."
"The pressure of scavenging will be much less, and there's no need to pay extra savings service fees to the bank."
"If I'm tired, I can lie down for a while—anyway, you'll be paying my salary."
Yu's tone was relaxed, as if she didn't care at all.
Lu Chen took a deep breath and firmly remembered this kindness in his heart.
"What do we do next?"
After calming his complicated emotions, Lu Chen forced himself to stay focused and, somewhat awkwardly, changed the subject away from this personal debt.
Yu stretched lazily and then yawned without any regard for her image.
"Go back and get some sleep first."
"I'm going to the No. 3 recovery center this afternoon to see patient number 9529."
"After nightfall, I'll go check out the black market."
Lu Chen nodded slightly.
"There was also some salvaged metal in the car."
"Don't you need to sell it to the arms factory?"
Yu simply shook her head slightly: "Leave it for now."
"Next time I go out of town, I'll collect a whole ton before selling."
"Otherwise, you'd just be losing out on several packs of cigarettes for nothing."
"Anyway, we're not short of time, so we're not in a hurry to sell."