The Loan

There was a man in New York City. Walked into a bank and asked for a loan. A loan officer came out and introduced himself. He said, how much you want? He goes, I want $5,000. I’m going to Europe on business. I’ll be back in two weeks. I’ll pay it back in two weeks. You need $5,000? Yes, sir. He goes, well, for us to loan you $5,000, we need some sort of collateral. We need some sort of security. What have you got? The guy who wanted the loan pulled out the keys to his Rolls-Royce and says, it’s parked right out in the front. Would that be enough security? And the guy said, well, that would be plenty.

So everything checked out. The man got the loan, walks out of the bank with the $5,000. Meanwhile, an employee of the bank takes the keys, gets in the Rolls-Royce, drives it under the bank in the parking garage underneath in secure parking. In two weeks, the businessman returns from Europe, pays back the $5,000 plus the interest, which was $15.41.

The loan officer approached the man and said, listen, thank you for your business, but while you were gone, we did a little checking, and we discovered you’re a multimillionaire. You don’t need a $5,000 loan. So why would you come in here to get a loan for $5,000 when you’re a multimillionaire? The man smiled, and he said, where else in New York City can you park a car in a secured area for two weeks for only $15.41? That’s why he was a multimillionaire.