189: Installment - 3 (Bonus Chapter)

Su Ning gritted her teeth, her mind locked in a fierce internal struggle.

Before she could make up her mind, her phone suddenly chimed with a "ding-dong," and she reflexively lifted it to take a look.

It was another screenshot from "Brother Ye."

It was still the TikTok wallet balance, which clearly displayed:

Diamond count: 2,000,000.

"..."

Black lines instantly filled Su Ning's forehead, and her fists clenched tight!

This Dog man! Using this trick again!

He's addicted to the "Balance Kill," isn't he!

"Fine... fine! I'll give it a try!"

Su Ning gritted her teeth, throwing caution to the wind as she pulled out her phone. "I... I'll look for my bank statements!"

She hurriedly opened her mobile banking app and pulled up her statements for the last six months.

As expected, the first few months were a disaster, with only the last two months showing a few large deposits and various spending records from restaurants and shopping malls.

Xiao Wang took the phone, looked it over, and frowned slightly.

"Miss, your recent statements are indeed good, but the duration is a bit short... and your previous records... Well, how about this: I'll submit the information first. The exact credit limit and down payment ratio will depend on the risk management results."

After saying this, he took Su Ning's phone and ID card to process the application.

Su Ning and Jiang Ye sat in the display booth's lounge area waiting, the atmosphere eerie.

Jiang Ye was perfectly composed, leisurely crossing his legs and lightly tapping his fingers on his knee, quietly waiting for the potential harvest moment.

Su Ning, on the other hand, was restless, checking her phone one moment and stealing glances at Jiang Ye the next, her heart in her throat.

She both hoped the audit wouldn't pass, so she could escape this ordeal...

...and secretly hoped it would pass, because given the Dog man's usual way of returning gifts, she might not have to worry about money for the next few months or even half a year.

But then she thought, what if... what if after she bought him the car and signed the contract, he turned around and acted like he didn't know her... This extreme contradiction tortured her to the point of nearly exploding on the spot.

Over twenty minutes later, Xiao Wang returned with a tablet, a subtle expression on his face.

"Ms. Su, Mr. Jiang, the results are in."

Both of them looked at him at the same time.

"Well... here's the situation. Ms. Su's credit report... has no overdue payments and is good. However, regarding your job nature and the stability of your statements, the risk management department considers the risk to be high. Therefore... the low down payment plan cannot be approved."

Su Ning's heart was instantly filled with immense joy!

Oh! It didn't pass!

Great! God is finally on my side for once!

She quickly exerted force to control the corners of her mouth that were about to fly up, forcing a face full of "sadness" and "self-reproach" as she "choked up":

"Brother... I'm sorry... It's all my fault, I'm useless... If only I had worked harder before, had a proper job, and better bank statements, I wouldn't... wouldn't have let you down... If it were possible, I really, really wanted to buy this car for—"

"Uh... Ms. Su, let me interrupt."

Xiao Wang cleared his throat, interrupting Su Ning's "confession." "The risk management department has provided an alternative. If the down payment ratio can be increased to 40%, which is about 60,000 yuan, this loan can be approved. The loan amount would be about 89,400 yuan, split over 36 installments, with a monthly payment of around 3,000 yuan."

"???"

Her voice came to an abrupt halt, the "sadness" on her face instantly freezing as she whipped her head around to look at Xiao Wang.

What?!

Are you fucking kidding me with these pauses?! Would it kill you to finish in one breath?!

What's your employee ID?!

If I don't complain to the United Nations today, I'll take your damn last name!

...Eh?

Wait!

40% down payment? 60,000?

The expression on Su Ning's face changed several times before finally returning to that deep "sadness."

She sniffed and picked up where she left off: "...If it were possible, I really wanted to buy a car for you... After all, you're my best, best brother! But... but this 60,000..."

"..."

Jiang Ye glanced at the smugness in the drama queen's eyes and sighed inwardly.

Although it was a bit of a pity, it seemed the car really couldn't be bought today.

A 60,000 yuan down payment was an insurmountable chasm for Su Ning, who had just been squeezed dry.

He didn't know when the next perfect opportunity like this would come along.

He stood up, about to say "forget it," but then he saw Xiao Wang look at the strange atmosphere between the two of them, hesitate for a moment, and then cautiously add another option:

"Since Ms. Su's qualifications are indeed a bit... special, the validity period of this audit result might not be long. If you both really like this car and are worried about the next audit situation changing, you can first sign a car purchase intention contract to lock in the current audit result and down payment plan. The deposit is 5,000 yuan, and Ms. Su, you just need to pay the remaining down payment within three days."

A deposit? 5,000?

Jiang Ye's eyes instantly lit up, while Su Ning's vision instantly went dark.

"Little Sister Su... look, that 'possibility' you mentioned... it seems to have actually arrived. For your 'favorite' brother, can you... find a way to scrape together that 60,000 in the next couple of days?"

"..."

Su Ning naturally understood what the Dog man meant.

If those 2,000,000 diamonds were gifted today, she could withdraw 80,000 the next day.

This guy was telling her to use that money to pay his down payment!

Su Ning was covered in dense black lines, emitting a super-strong low-pressure aura that was almost visible to the naked eye.

She originally thought that reaching this final step would plunge her into a frenzy of indecision, but in fact, her mind was currently a total blank, with only one thought in her heart.

A few seconds later, she slowly, inch by inch, turned back to look at the innocent-looking Xiao Wang, and squeezed out several words through her teeth, one by one:

"What! Is! Your! Employee! ID!"

——————

Although ten thousand Alpacas were stampeding through Su Ning's heart, things had come to this point; trouble had come from her own mouth, and she had to finish filling the hole she dug herself, even if she had to do it on her knees.

Coupled with a mysterious trust in the Dog man, Jiang Ye, deep in her heart, she steeled herself and chose to... go for it!

With trembling hands, she transferred 5,000 yuan from her WeChat balance and paid the deposit.

Xiao Wang quickly prepared the intention contract, which specified the vehicle model, color, total price of 149,000 yuan, 40% down payment of 59,600 yuan, loan amount, estimated monthly payment, and the 5,000 yuan deposit, with an agreement to come the next day to pay the down payment and handle the formal loan procedures.

At the same time, there was a line of small print at the bottom of the contract: If the purchase is not completed on time due to the buyer's reasons, the deposit will not be refunded.

Looking at the phrase "deposit non-refundable," Su Ning's heart hammered.

But under Jiang Ye's "encouraging" gaze, she gritted her teeth, finally hardened her heart, and signed her name—Su Ning.