novelnext Chapter 111 Saeko Matsushita [31st update, please vote!]
Chapter 111 Saeko Matsushita [31st update, please vote!]
Chapter 111 Saeko Matsushita [Thirty-first update, please vote!]
After hanging up the phone, Kiryu Yaya also entered work mode.
Chihaya Yuri gave him several documents to process.
Around 10 o'clock, Kiryu Yaya went to the printing room to pick up a copy of the guarantee documents.
As soon as he walked in, he saw Nakamura Yuka standing there with her back to him, her shoulders trembling slightly.
It seemed that Kiryu Yaya's footsteps had startled her.
The next second, Nakamura raised his hand, quickly wiped the corner of his eye with a handkerchief, and then turned around.
When she saw it was Kiryu Yaya, her eyes reddened, but she still managed to force a smile.
"Kiryu-kun—are you here to pick up some documents?"
"Um.
""
Kiryu Yaya didn't expose him, but simply reached out and took the already printed document next to the photocopier.
Nakamura lowered his head, hurriedly stuffed the handkerchief back into his sleeve, and said softly, "Sorry, I got something in my eye just now."
Kiryu Yaya looked at her for two seconds, smiled, and said, "Everyone's been too tired lately."
Nakamura had just joined the company last year and cared more about the evaluations on his personnel file than senior employees like Hashimoto.
She sniffed and forced a smile.
"Yes—I really hope this will pass quickly."
"It will pass."
After finishing speaking, Kiryu Yaya took the documents and turned to leave.
After returning to his workstation, he looked up at the clock on the wall.
11:17.
It's almost noon.
Hopefully, Mrs. Matsushita has already arranged to meet with Saeko Matsushita.
At 11:40, Kiryu Yaya walked to the door of the small meeting area and greeted Yamada Masakazu in a low voice: "Section Chief, I'm going to see someone related. Maybe I can find some clues."
Masakazu Yamada didn't have time to ask any more questions at this point. He just glanced at him and said directly, "Call me back immediately if there's any progress."
"clear."
Ezaka Old Apartment.
Kiryu Yaya parked his motorcycle and went straight to the second floor.
The door to Mrs. Matsushita's room was ajar, and people were talking inside, their voices very low.
Kiryu Yaya raised his hand and knocked on the door.
"Please come in."
He pushed open the door and immediately saw the woman sitting on the other side of the low table, and couldn't help but breathe a sigh of relief.
It was Saeko Matsushita.
She was around thirty-five years old, with light makeup, wearing a light-colored suit, pearl earrings, and her hair was clearly styled carefully.
She was the epitome of a refined lady.
-
Grandma Matsushita sat at the head of the table, her face still cold and hard. She spoke bluntly, "Saeko, I've brought her here. Whatever the problem, tell me honestly. Don't come crying to me when things really get out of hand."
Matsushita Saeko's face showed helplessness; she was clearly used to being scolded by her mother, but she still couldn't keep up the pretense.
When she looked at Kiryu Yaya, there was a hint of wariness in her eyes.
"You must be... Mr. Kiryu?"
"Yes, it's good to see you again."
Kiryuyaya nodded: "Mitsubishi Bank Osaka Branch, Kiryuyaya."
After he finished speaking, he didn't move too close to the front, but sat down properly on the opposite side.
"I've come today to ask you a few questions."
Saeko Matsushita remained silent.
Mrs. Matsushita snorted coldly from the side.
"What else are you trying to hide? They're here to help you with the Abeno house."
Upon hearing this, Saeko Matsushita's eyelashes visibly trembled.
Kiryu Yaya looked at her and slowly said, "That house in Abeno is currently in your name, isn't it?"
After a few seconds of silence, she finally nodded.
"----right."
"Did you pay for the house yourself?"
This time, she didn't answer immediately, but subconsciously looked at her mother's expression.
When Mrs. Matsushita saw her like this, her anger flared up again.
"Why are you looking at me like that? Even at a time like this, you're still trying to cover for that man?"
Matsushita Saeko bit her lip, as if finally resigned to her fate, and said in a low voice, "The house—I didn't pay for it."
"Kajiwara said that he was not in a position to own real estate at the moment, so he would buy it in my name first."
"Buying a house under someone else's name?"
"It's not like it's borrowed for nothing."
As she spoke, she took a folded document from her handbag and gently placed it on the table.
"We have a loan agreement between us."
Kiryu Yaya reached out and took it, flipping through it and glancing at it.
really.
Borrower: Saeko Matsushita.
Lender: Kajiwara Masazō.
Amount: 130 million yen.
This figure was 20 million less than the estimated value of the Abeno apartment he had previously obtained, which was clearly a benefit that Kajiwara Masazō gave to Matsushita Saeko.
The agreement was written very neatly, and there were almost no flaws.
Kiryu Yaya put the few pages of paper back on the table and looked up at her.
"In other words, on paper, you borrowed money from Kajiwara Masazō to buy this house. The house belongs to you, and the debt is also on your name."
Saeko Matsushita nodded gently.
"Zhengzang said at the time that this was the safest way. We can deal with it slowly when the time is right."
"Safety?"
Grandma Matsushita's voice suddenly rose, and she said with a look of utter disappointment, "You believed him lying to you?! What's the point of your brain?!"
Matsushita Saeko's face paled, and she explained in a low voice, "Mom, I didn't think that much about it back then—"
Mrs. Matsushita was so angry her chest heaved: "When you were young, all you knew was to hang out with those clubs in Tokyo, and you still haven't learned your lesson! A man with a wife, a company, and bank loans, going to buy you a house for no reason? Do you really think you're still in your early twenties?!"
The atmosphere in the room suddenly became tense.
Matsushita Saeko's eyes were visibly red, but she didn't dare to argue back.
Because she was scolded like that by her mother, her wariness of Kiryu Yaya, an outsider, actually lessened a bit.
She looked down at the loan agreement on the table, and after a while, asked softly, "—So, what exactly is the problem now?"
Kiryu Yaya spoke up, "There's a big problem."
"House prices are falling. This house in Abeno may still look valuable, but land prices will likely continue to decline. When it comes time to sell, this house may not even be worth 130 million yen anymore."
"More importantly, Kajiwara Shozo currently owes the bank 1 billion yen and is on the verge of defaulting. We have reason to suspect that the money he used to buy this house was very likely taken from bank loan funds."
Upon hearing this, Saeko Matsushita's face turned pale instantly.
She didn't know much about the loan from Yuan Zhengzang.
Kiryu Yaya continued, his tone still calm: "If it's just a regular loan, then at most you're putting a house up for sale on his behalf, and you bear the risk of the house price falling. But if it's discovered that the money for the house purchase was originally a bank loan, then the nature of the transaction is completely different."
"That would constitute asset transfer and concealment of debt repayment assets after loan fraud, and could even lead to tax and criminal issues."
He paused here, looking directly at her: "By then, not only will the house be lost, but you yourself may also be dragged into it."
Upon hearing this, Saeko Matsushita was completely stunned.
She originally thought that she was just a figurehead for Kajiwara Shozo.
The worst-case scenario is that I can sell the house later, or transfer it back, and maybe even make a profit of ten or twenty million yen.
But now, after hearing all this, she finally understands that things are far more complicated than she thought.
Mrs. Matsushita added from the side, "Do you understand now? You think you've gotten a good deal, but you're actually just helping someone transfer debt."
Saeko Matsushita's eyes widened in confusion, her shoulders slumped, and her voice betrayed a hint of panic: "—What should I do?"
I finally asked.
Kiryu Yaya didn't answer immediately, but instead changed the subject: "Before we talk about that, I'd like to ask something."
Saeko Matsushita looked up, her expression somewhat dazed: "Please speak."
"Does Kajiwara Masazō frequent any clubs in his spare time?"
"club?"
Saeko Matsushita frowned and thought for a while, then nodded: "He used to go there often for a while, I think it was called Rokko Golf Club. He took me there a few times, and he was a member there."
Kiryu Yaya's eyes lit up slightly: "Does he have his own locker at the club, or a private locker that he rents long-term?"
"have."
This time, Saeko Matsushita answered very quickly.
"He said that the members' lockers are rented long-term and used to store personal items."
"He told me the other day that neither home nor the company is safe, and it's safer to leave the really important things outside."
Q
"Something important?"
1
"Um----"
Saeko Matsushita thought about it carefully again.
"It looks like a black handbag. I don't know what's inside. He never lets me touch it."
Black handbag.
Rokujō Club Members' Desk.
In that instant, the threads in Kiryu Yaya's mind were completely reconnected.
He slowly stood up.
When Matsushita Saeko saw him about to leave, she clearly panicked and instinctively stood up as well: "Mr. Kiryu, about the house, I—what should I do?"
Kiryu Yaya glanced at her and said directly, "Keep all the documents between you two safe. Loan agreements, house purchase documents, remittance records, renovation receipts—don't lose a single one."
"Then, I'll contact you."
Saeko Matsushita nodded blankly.
"What about the house? —"
Kiryu Yaya looked at her and knew that she was worried about losing everything.
Just then, a semi-transparent system interface suddenly popped up in front of them.
[New life options have been triggered]
[Saeko Matsushita held the Abeno Apartments under a nominee agreement for Shozo Kajiwara. The actual value of the property was 150 million yen, while the loan agreement between Kajiwara and her only stipulated 130 million yen. The difference of 20 million yen can be legally considered a gift from Kajiwara to her.]
If the bank seeks repayment according to the loan agreement, the remaining 20 million yen after the sale of the house will belong to Saeko Matsushita.
However, if not handled properly, this money may be claimed by other creditors of the former Shozo or by the National Tax Agency.
At this moment, you have three choices:
[Fork in the road 1: Don't bring it up. The bank is only pursuing the 130 million yen loan; the remaining 20 million yen is none of your business. Let Saeko Matsushita handle it herself; you don't need to get involved in her private affairs.]
(Reward: Bank deposit increased by 1 yen)
[Second branch: Clearly tell her that the 20 million yen is legally hers, and advise her to consult a tax accountant as soon as possible to completely sever ties with Kajiwara Masazō to avoid being pursued for the money later.]
(Reward: "Group Activity Reimbursement Card | Reimburses up to 150% of the cost of a single group activity under 10 yen")
[Branch 3: Proactively help her design a plan to exploit legal loopholes and safely transfer the 20 million yen to her mother, Mrs. Matsushita, completely escaping Kajiwara Shozo's debts.]
(Reward: Bank deposit increased by 10 yen; Matsushita Saeko's favorability greatly increased)
Kiryu Yaya's gaze swept over the three options.
He didn't want to meddle, but looking at Matsushita Saeko's panicked eyes and remembering how much the old lady Matsushita had always taken care of him, he finally sighed softly.
No matter what, we should give some preferential treatment to tainted witnesses; who knows, we might need Saeko Matsushita somewhere else in the future.
Thinking of this, Kiryu Yaya regained his composure, looked at Matsushita Saeko, and slowly said, "There is one thing you must remember."
Saeko Matsushita watched him nervously.
"This house is actually worth 150 million yen, and you only owe Kajiwara 130 million yen. The difference of 20 million yen can be legally considered a gift from him to you. The bank is only pursuing the loan portion; the remaining money should theoretically belong to you."
"But what you need to do now is find a tax accountant as soon as possible to clarify the nature of this money and completely sever ties with Kajiwara Masazo. Otherwise, once his other creditors or the National Tax Agency realize what's happening, this 20 million yen may also be targeted."
Matsushita Saeko's eyes instantly reddened. She lowered her head, her voice trembling, "Mr. Kiryu—thank you. Thank you so much."
Kiryu Yaya did not stay any longer.
The questions that needed to be asked have been asked.
He bowed slightly to the elderly lady Matsushita: "Thank you for your help today."
Grandma Matsushita waved her hand: "Go ahead and do your work. If anything else happens here, I'll keep an eye on her."
Thank you.
After saying that, Kiryu Yaya left the old apartment.