Part 3
The school was closed today, so when I returned to the dormitory, Hyoro and Jaga rushed in.
“Well, it’s a very disturbing case. The head librarian was murdered.”
“Right. Maybe it really is the work of that organization.”
“It’s getting to the point where it’s not funny anymore.”
“Everyone seemed so serious.”
Hyoro and Jaga were relaxing, drinking Mitsugoshi’s finest coffee as if they owned the place.
It’s my room.
“Shouldn’t you do the special assignment?”
I say, putting pressure on them to leave quickly.
“We can do it later. We have plenty of time now that the school is closed.”
“That’s right. That’s right. If we are too occupied with our assignments that we can’t chew on our little happiness, we’re finished.”
Slurp, they sip their coffee.
“That doesn’t mean you can’t come to my room”
“There’s a premium coffee made by Mitsugoshi in Sid’s room, right.”
“There are also some premium sweets made by Mitsugoshi”
Jaga rummages through a drawer without permission and opens a package of chocolates.
“That’s mine.”
“Isn’t it fine? We are friends, aren’t we.”
“And frankly, I don’t think your allowance could buy it.”
“I’ve always thought it was weird.”
With a suddenly serious look on their faces, Hyoro and Jaga turned around.
“T-That’s……”
Indeed.
A cup of Mitsugoshi’s high-grade coffee costs more than 2,000 zeny. It is strange that it is always available in my room as a poor nobleman.
It’s just that Gamma sent a lot of them.
“Sid, you. You’re in debt, right.”
“Eh?”
“If that’s so, please say so quickly.”
“Eh, no, no, what do you mean by debt?”
“I mean this, it is the flyer I found in your room.”
Saying so, Hyoro showed me a single flyer.
“Mitsugoshi Bank’s New Service “Mitsugoshi Revolving Payments”, please tell me if you have the best debt like this.”
“Mi, Mitsugoshi Revolving Payments……?”
I had a bad feeling about this and read the flyer, which described a service that looked just like the revolving payments of my previous life.
Come to think of it, I told Gamma about the revolving payments.
“B-By any chance did you also borrow, Hyoro, Jaga?”
“Of course. I borrowed two million zeny right away.”
“I borrowed a million zeny. All I have to do is pay back a fixed 20,000 zeny every month!”
“Ah……”
They are finished, I thought.
“What’s the matter, Sid-kun? You look like you’ve guessed something.”
“What is the interest rate of Mitsugoshi Revolving Payments?”
“The interest rate was 2% a month, I think.”
“The annual interest rate is 24%. That’s cheap for a moneylender in the royal capital.”
I looked at them with distant eyes.
“You borrowed one million zeny and paid back 20,000 zeny every month, and the interest rate is 24% per year, no mistake right.”
“Yes.”
“Right, what’s wrong with that?”
“Did you calculate when the repayment will end?”
Since the annual interest rate of 1 million zeny is 24%, interest of 240,000 zeny will be charged in one year.
And since the repayment per month is 20,000 zeny, that’s 240,000 zeny per year.
One year’s interest is 240,000 zeny and one year’s repayment is also 240,000 zeny.
In other words, they just keep paying interest and the repayment will never end.
“Who knows, it’s about five years, isn’t it?”
“Don’t bother doing the math. You only have to pay back 20,000 zeny every month.”
“Mitsugoshi Company is really reasonable to save us the trouble of doing the math.”
“…… I think you should raise the repayment amount a little more.”
“What are you talking about? Mitsugoshi said 20,000 zeny is fine, so don’t bother returning more.”
“That’s right. Rumor has it that some students have borrowed 10 million zeny. If you are a nobleman, it seems that even students can borrow easily. If your family has assets, you can borrow money.”
I looked up to heaven.
“Well, let’s get started, shall we?”
“You know we borrowed the money, so you understand the rest, right.”
Saying so, the two took out the playing card.
“…… Poker, huh?”
“What, are you scared?”
“We will not allow you to run away with the win. We have plenty of money in the war chest.”
“Nope.”
I let out a deep breath.
“——Double push.”
Then we piled the wads of bills high on the table.
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