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A Double Loan

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About a double loan and interests. Borrow to be rich!

Mystery / Thriller
Age Rating:

A Loan

There are some instances in life, when you need to borrow some money. That happened to me, too.

So, there was an add from a nice-name company. So, I decided to do that, to borrow the money. Not much. Just- $350.00.

The interest seemed to be good, the biweekly payments- only around $60.00. But that loan seemed to have a jinn: it made me make another loan, as I received the message that I qualified even for more. So, I borrowed another $150.00.

My calculations were simple: if for $350 I had to pay $60.00, then for another $150.00- another $35.00. And that was my mistake. I forgot that banks like to make money from nothing, from the sky, the clouds, the rain and the air.

The easy arithmetic would prompt you, that $350.00 + $150.00 is $500.00. That’s where was my mistake. They have a different math: $350.00 + $150.00 = $650.00! They know the Einstein’s theory of relativity well: if it’s $500.00 in my place, it could be $600.00 in theirs, as they are on another planet.

A nice man’s voice on the phone explained to me that that was an interest. And, when I borrowed the money the second time, they considered that the loan of $650.00, not of $500.00, as I haven’t paid off the first benevolently granted to me loan yet, so, they considered it as an agreement for the $650.00, not of $500.00. Whichever the way I tried to find out, why I had to pay another $100, that I didn't borrow, the answer was either vague or equivocal, or misunderstanding: INTEREST!

So, the interest is 130%? This way or that way, I wanted to borrow one amount, but they made me borrow another, and in my understanding, the interest consisted of the Interest + Mistrust, even if I borrowed from them the money before. Which is the % of Mistrust, I cannot know, but maybe, some 50%?

The good news is that the interest rate can change. When, how and in which favor, it's not known yet: the mists and the fogs of financial operations cover that part of the story.

Ivan Petryshyn

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