Each new house is calculated according to its area. Each square meter is worth one tael of silver, and the courtyard is also calculated according to its square footage. The smallest house plus courtyard is generally calculated as one hundred and twenty square meters, and an ordinary house is worth It costs one hundred and twenty taels of silver, and the larger ones range from two hundred to three hundred, or even four to five hundred taels.
There are four ways to buy a house.
1. Pay the full amount at once, and there is no interest.
2. Pay 30% of the total house price in one lump sum, and the remaining 70% will be paid in eight years. The annual interest is 5%.
3. Pay 20% of the total house price in one lump sum, and the remaining 80% will be paid over ten years. The annual interest is 7%.
4. Pay 10% of the total house price in one lump sum, and the remaining 90% will be paid in fifteen years. The annual interest is 10%.
Once you are qualified to buy a house, you can move in and enjoy the right to use the house for seventy years. Of course, if you have no money to pay in the future, someone will come to collect the debt in the first month, and the issue of repossession will be considered in the second month.
The policy of Daqian Bank was announced to the public, which made the people excited. Although they had the right to use it for seventy years, due to medical and living environment reasons at that time, few people could live to be seventy years old. Not many people care about it. What they value more is that they can buy a house of their own with the least amount of money.
Taking a house of 120 square meters as an example, if you choose the fourth payment method, you only need to pay twelve taels of silver at one time at first. In the remaining years, you only need to pay a few taels of silver, plus The amount of interest paid each month requires more than one or two silver. If you work hard and tighten your belt, it is not impossible to accomplish.
In this way, you can get a place to stay, instead of having to crowd into a small courtyard with so many people like before. Especially when you go to bed at night, the sound of teeth grinding, snoring, and the smell of smelly feet can make people unable to sleep. I don't know how much stronger it needs to be.
They think they have understood the policy thoroughly, especially since many people have asked the accountant to calculate the annual interest rate of 10%. The figure they came up with is 120 taels as an example. The first payment is 12 taels, and the rest is One hundred and eight taels, with an annual interest rate of 10% is 12 taels. Excluding the 7 taels that need to be paid every year for fifteen years, the total is 18 taels. In December, it only requires one and a half taels of silver per month. That's all.
In the third year, you only need to pay 1, 2, 38, or more per month, and the amount will be less the further you go. And if you have enough money, you can also increase the payment, so you can save yourself the pressure of interest. How can such a good policy not be Make people happy.
There are more and more people signing up to buy houses in Yongyue, but they only have more than a dozen or dozens of taels of silver. For most people, they can still barely afford it.
Daqian Bank was once again crowded with people, all of whom came to buy houses. All twelve banks in Daliang City were crowded, showing a prosperous situation.
When everyone was talking about the great benefits of running a bank and doing great things for the country and the people, a piece of bad news immediately spread, and voices of doubt began to appear.
Is the annual interest rate of 10% really not high? If you calculate it carefully, the interest money alone already exceeds the purchase price of the house.
What if you can't pay the money later? The house will be repossessed. Wouldn't it be a waste of time to be busy for others? For example, you have worked hard for fourteen years, and only in the last year did you have to worry about your family. If something goes wrong and there is no money to pay, wouldn't fourteen years of hard work be in vain?
This is basically a trap, a trap for the common people. The imperial court will not allow ordinary people to have houses to live in, and Daqian Bank is not really helping anyone, it is just setting up a trap. Once someone jumps, then It's like making money for the bank all the time, but when the opportunity finally comes, you will be kicked away.
This is just a means of squeezing the people. If there is a famine or war, and even food is a problem, where will there be spare money to pay for a house? Fifteen years, what will happen during this period? Who can know such a thing?
Once a house buyer dies unexpectedly, who will own the house? After all, who can guarantee that he will survive for fifteen years?
All kinds of doubts suddenly popped up like mushrooms after rain and spread among the people, quickly causing waves of riots.
Every voice of doubt seemed to have evidence. For a time, the people became panicked, and the long queue quickly disappeared, and the twelve large banks became deserted again.
In the face of doubts, people began to abuse Daqian Bank. Some people even pointed the finger at the instigator Shen Ao, accusing him of simply using this move to harm the people.
...
The Hall of Nourishing Heart.
Emperor Qianwen was so angry that he threw the memorial in his hand and asked with a dark face, "Check, who is behind all this? We must find out. I want to see who doesn't want to let you go" If you don't want me to have a good time, I won't let him have a good time."
Emperor Qianwen had reasons to be angry.
The emergence of Daqian Bank not only stopped the loss of silver coins in time, but also brought huge benefits. With money, Daqian can do more things that he wanted to do but could not do before, why not?
The emergence of new houses, especially the emergence of high interest rates, will bring more replenishment to the national treasury. News has already been sent from Tianziwei. After hearing the news, people in other prefectures and counties also began to feel sorry for Daliang City. Yearning for it, some people are even ready to leave and come to Daliang City to live in peace.
Once a city has a large enough population, it will be much easier to do anything. Especially in ancient times, the emphasis was on the power of more people. Without the help of technology, a large population could do anything. Things have become more confident and the population has increased, which is a reflection of prosperity.
The war is fought based on the comprehensive national strength. Having people means having enough troops. This can make the emperor less worried. If someone stands up against him and is disobedient, he can consider sending troops to win a battle and fight. Da Gan has gained a great reputation.
He could see so far and the situation was so good. No matter where he went these days, Emperor Qianwen always had a smile on his face. He seemed to have seen the day when Daqian truly became strong and stood up. But at this moment, suddenly Some people accuse bad policies and Dagan Bank. How can he endure it?
"Your Majesty, the Emperor's Guard has already gone to investigate. It's just that the matter has just come out and there are many people spreading the news. I'm afraid it won't be easy to find out. It will take time." Yan Fu said with some trepidation. He must be careful at this time. , otherwise when the emperor in a bad mood gets angry, he will be the only one who suffers the consequences.
"Tell Dai Mubai to hurry up." After Emperor Qianwen calmed down, he also knew that now that something had happened, it was useless to get angry. Instead, he should calm down and see what went wrong and who didn't want to see him. Okay, making trouble behind his back. "By the way, how is he? Is there any performance?"
"Your Majesty, we have just received news that the Crown Prince Tang Xiu is now at the Zhongguo Duke's Mansion." Yan Fu naturally understood who the emperor was referring to, so he told the news he had just received.
"Tang Xiu, what is he going to do?" Emperor Qianwen frowned again, looking a little unhappy.
Tang Xiu, the son of Tang Qinghe, the great emperor of Qianzong, was also the nephew of Emperor Qianwen.
As the crown prince, Tang Ming was not favored by Emperor Qianwen, and he had not even seen him for a year. This was naturally because his father, Zongzheng Tang Qinghe, had competed for the throne with Emperor Qianwen when he was young, but it was a pity that he failed. That’s all.
Such a person who is not liked by Emperor Wen has now gone to the Zhongguo Palace. How could he not be surprised and how could he not pay attention. "Yan Fu, go and don't let him suffer. In addition, you also need to ask The outside world expresses my feelings."
Emperor Qianwen still decided to do something. At this time, everyone was pointing at Daqian Bank and Shen Ao. I am afraid that he must be under a lot of pressure, and the more at this time, the more he has to stand up and exert force. Quite, otherwise wouldn’t it mean that villains would take advantage of it?
As an aspiring emperor, and an emperor whose environment is not peaceful, he needs more capable people to appear around him to help him. He also needs those who can expand the territory rather than stick to the rules. Obviously Shen Ao is meet these conditions.
Take a look at the things he has done in the past two years. Which one is not from scratch and which one is not pioneering? Who else can you count on to help you fulfill your wish to level the world?
...
Zhongguogongfu.
The appearance of Tang Xiu forced Shen Ao, who was originally discussing matters with Zeng Tong, to pause. Then he asked him to wait behind the screen, and then received the unexpected visitor in the main hall.
He didn't say hello before, and he didn't send anyone to send any greetings. Tang Xiu's appearance was still a bit unexpected. But he didn't seem to have any such feeling at all. When he came to the main hall, he didn't see anyone else, and he didn't even appear in Shen Ao's room. After being greeted, I immediately sat down and looked east and west, looking around the main hall with a scrutinizing look.
When he first heard that the servants said that Tang Xiu had come, Shen Ao was still a little stunned, but Zeng Tong, his staff member, bluntly explained the origin - the person who came was not evil.
Next, after Shen Ao saw Tang Xiu, he politely invited him to sit down, but the other party seemed to have not seen him, but looked around to himself, and Shen Ao stopped talking. His character was originally determined. Incomparably, the custom is that if others respect him, he will return the favor.
On the other hand, if anyone thinks he is nobler than him and comes to throw a tantrum, Shen Ao will definitely fight back with a hundred times the attitude and method. In a word, he is hello, I am good, everyone is good, you are not good, I am not good. We all died together without fear.
