Early the next morning, Lin Dong took his third brother to the Xiao family.
Hearing that Lin Dong came to visit, Xiao Wan thought for a moment and then said to the housekeeper: "The descendants of the Lin family were kicked out of the Xiao family by Ran'er. At this time, Lin Dong came to the door. I don't know why?"
"Since the other party has come to visit with a greeting card, we cannot lose etiquette. Go and invite them in person and see what they have to say."
"promise."
The steward took the order, turned around and walked out of the lobby.
After a while, the steward brought Lin Dong and Lin Mo in.
Seeing Xiao Ran, Lin Dong first saluted and said: "Lin Dong and his third brother Lin Mo have met Mr. Xiao."
Xiao Wan chuckled, cupped her fists and returned the salute: "Master Lin, there is no need to be polite. We are all neighbors in Jiangnan. Why should we be so indifferent to outsiders? Please sit down!"
With that said, he gestured to Lin Dong and the two of them to sit down.
Lin Dong did not sit down immediately, but said in panic: "Mr. Xiao is famous all over the south of the Yangtze River. We, the juniors of the Lin family, have bumped into you. Please don't remember the villain's fault and don't argue with him."
"This time Lin came here, firstly, to visit Mr. Xiao, and secondly, to apologize. Therefore, Lin is really ashamed."
Hearing that Lin Dong was not looking for trouble, Xiao Wan took advantage of the opportunity to stand up, took Lin Dong's hand and sat down and said: "Brother Lin, you have filtered it out. Juniors are juniors and elders are elders. What does Lin Bo's matter have to do with you? Besides,
He can't represent your Lin family either, Xiao needs to thank you for understanding your carelessness!"
"However, Lin Bo obviously has bad intentions when he stands up for the Zhu family. Please pay more attention to the Lin family, and don't let such a descendant bring the family to its end."
"I heard that your Lin family is full of talents, with many young talents. You will definitely have a bright future in the future. Don't let Lin Bo bring down the whole family."
Hearing this, Lin Dong smiled bitterly and said: "What Mr. Xiao said is... To be honest, Lin Bo has been placed under house arrest and will never have the opportunity to participate in family affairs. As for the younger generations of the Lin family, they will have to be supported by Mr. Xiao in the future.
"
Speaking of the descendants of the Lin family, it can be considered a sad thing for Lin Dong.
Although the Lin family also has some relatively talented juniors, because no one recommended them, none of them are now officials.
Now the imperial court has carried out the reform of the imperial examination, and there has been only one imperial examination for several years.
It is really a long way to go for the descendants of the Lin family to carry forward the family.
What's more, even if there is an imperial examination, most of them will fail without the help of officials from the central government.
Thinking of this, Lin Dong felt really depressed and worried.
Nowadays, the Xiao family not only has Xiao Yu as prime minister in the court, but also is valued by His Majesty. The career of the children of the Xiao family is bright.
More importantly, the Xiao family is relatively close to Yang Fan.
If possible, the younger generations of the Lin family can get Xiao Wan's recommendation.
Children of the Lin family can serve as officials in the Metropolitan Governor's Mansion even without taking the imperial examination.
As a result, Lin Dong naturally respected Xiao Wan a lot.
What's more, Lin Dong is also afraid that Lin Bo's actions will reach Yang Fan's ears, causing Yang Fan to be biased against the Lin family, and the consequences will be disastrous.
Therefore, the visit this time was considered cautious and could only be done in a begging tone.
Seeing Lin Dong being so humble, Xiao Wan was slightly startled, and soon figured out the twists and turns. After pondering for a moment, she said: "Brother Lin, please rest assured, the Governor is not such a narrow-minded person. If you, the children of the Lin family,
He is really talented, and he is determined to help the Governor create a grand scene in the south of the Yangtze River. I think the Governor will not refuse..."
After hearing this, Lin Dong finally breathed a sigh of relief, and then sighed: "Everyone in the world has said that the Governor is murderous and difficult to deal with. I didn't expect that the Governor has a beautiful chest and is as wide as the sea. This old man is relieved.
No, but I still thank Mr. Xiao for the tip."
"It's okay!" Xiao Wan laughed, waved her hand and said: "Brother Lin, you have come all the way, let's take a sip of tea to relieve your fatigue. This is a special Longjing tea. It was given to my brother Xiao Yu by the Governor last time.
Yes, I can be considered to have benefited from it."
Lin Dong sighed in admiration: "The Duke of Song Dynasty has a sharp eye and knows pearls. I am not as good as many."
Xiao Wan ordered someone to serve tea to entertain him, and the three of them sat opposite each other, chatting and laughing happily.
Several of them are young and belong to the Jiangnan gentry. Their words have a lot in common and they are not embarrassed to talk to each other.
After chatting for a while, Xiao Wan went straight to the topic and asked: "Brother Lin came here this time not just because of Lin Bo, right?"
Lin Dong put down the tea cup in his hand and said seriously: I heard that Mr. Xiao also spent a lot of money, I wonder if Mr. Xiao plans to fulfill it? "
"Of course our Xiao family will fulfill it." Xiao Wan said firmly, and then asked: "Don't you, the Lin family, not want to fulfill it?"
Lin Dong looked troubled and said hesitantly: "Mr. Xiao, to be honest, our Lin family relies on the shipbuilding industry for a living, and we are absolutely unwilling to give up on the shipbuilding industry."
"Although the Lin family is not as famous and wealthy as the Xiao family, they are also a good family based on integrity. How can they do such things as back-biting and denial?"
"It's just that some of the younger ones among them were deceived by the Zhu family, so they only submitted such quotations during the bidding meeting."
"Moreover, Lin Boshan took the initiative and used some money to buy salt factory quotas and salt drying methods with Zhu Pei. Now Lin's talent is beyond his capabilities."
"To be honest, I wanted to fulfill the agreement, but the price was so sky-high that the Lin family couldn't afford it, so I came here to ask for advice."
This can be considered open and honest.
Frankly speaking, Lin Bo used part of the family's funds to give Zhu Pei, which led to financial constraints.
It also shows that Ms. Lin does not intend to default on the debt, but her family background is shallow and she really cannot afford it.
With so much heart and soul, I am not telling lies.
Hearing Lin Dong say that he just didn't have enough money, Xiao Wan smiled disapprovingly and said: "Brother Lin is worrying too much. Maybe Lin Bo was kicked out, so he doesn't know the result of our discussion yesterday."
"The Grand Governor has sent word that we only need half of my father's money, and the rest can be borrowed from the Royal Bank of the Tang Dynasty in the form of mortgage loans. Now it seems that the Grand Governor has the vision, and it is just right for us who are short of funds."
loan?
Lin Dong smiled bitterly and said: "Mr. Xiao, if our Lin family borrows so much money, how many years and months will we be able to pay it back? I am really powerless."
Between the words, I felt a little depressed.
He really wanted to pay it off, but he really didn’t have that much money!
How could Lin Dong be unfamiliar with things like loans?
In fact, there are many pawn shops and banks that offer "lending" services.
No one knows the essence of "loan" better than him.
That's blood sucking!
Knock on your bones and suck out your marrow until you are drained dry.
You must know that in general private "lending", there are nine outs and thirteen returns.
It is easy to borrow this money, but it is even more difficult to pay it back.
If you can't make enough money to repay the debt, then just wait until the house and land are sold and the family falls into ruin!
Therefore, when Lin Dong heard the word loan, his face turned ugly.
In his opinion, Yang Fan just wanted to suck the blood of the Jiangnan nobles. Who could stand it?
Lin Mo on the side glared angrily: "Mr. Xiao, is there any justice in this? Yang Fan actually wants us to get a loan, then aren't we all subject to him in the future?"
Xiao Wan did not stop Lin Mo from getting angry. He also wanted to see if the Lin family really wanted to pay.
If it was just talk, then Xiao Wan would definitely not explain the rules of mortgage repayment.
Seeing that the Lin brothers were mainly afraid of high interest rates, Xiao Wan said warmly: "Don't get too excited, you two. I haven't finished what I said yet."
"Borrowing money from the Royal Bank of the Tang Dynasty is a strategy that we, the Jiangnan nobles, have discussed. After all, our bidding price is signed and signed in black and white. Even if the lawsuit goes to the imperial court, we will still lose. Don't you refute this?
"
Lin Mo puffed out his nostrils and was speechless.
Lin Dong, on the other hand, remained silent.
Indeed, due to emotions and reasons, since the photo was taken, the money must be paid, otherwise you will face huge compensation.
If you just say you don't have the money to pay, you won't be held accountable. There is no such good thing in the world.
Seeing that the Lin brothers also knew how powerful it was, Xiao Wan explained: "Don't worry, the reason why we agreed to the loan is because the loan from the Royal Bank of Tang Dynasty does not come out nine times, and after the loan,
It's not a one-time payment, but in the form of installments? The most important thing is that the interest rate is extremely low..."
Lin Dong looked inquiring.
Lin Mo snorted angrily, not believing this and said: "Yang Fan is so kind? If he hadn't returned home after nine trips, would he have repaid us the loan?"
Xiao Wan shook his head and said: "I can't say whether the Governor is kind or not, but it is true that he does not come out nine times and returns thirteen times. Don't judge the heart of a gentleman with a villain's heart, and you have wronged the Governor."
Lin Dong asked: "Mr. Xiao, how do you say this?"
Xiao Wan said: "It is said that the interest rate for loans from Datang Royal Bank is unified. The interest rate is 6% of the monthly interest. You only need to repay a fixed amount every month, and it will not change within five years."
Lin Dong's eyes suddenly widened: "Six thousandths of interest? And it's not repaid in one go?"
Xiao Wan nodded: "That's right!"
He naturally knew why Lin Dong was shocked.
At present, the most popular method among banks and pawnshops is "Nine Outs and Thirteen Returns".
If you borrow 100 guan, what you get is actually 90 guan, for one year, and the repayment at maturity will be 130 guan.
In addition, corresponding interest must be paid, which is generally calculated on a monthly basis and is about two percent.
Calculating it this way, borrowing 100 yuan is equivalent to paying back about 150 yuan.
This is a serious loan shark. If it is not necessary, no one will take such a loan.
But now Datang Royal Bank not only fails to return nine out of ten, but also the interest rate is only 6% per thousand. Who dares to believe this?
Lin Mo was obviously in disbelief. He raised his eyebrows and asked, "Mr. Xiao, are you mistaken? Could it be six percent interest?"
Xiao Wan smiled and said nothing, finally confirming such interest.
Seeing this, Lin Dong asked impatiently: "Mr. Xiao, I wonder if our Lin family can get a loan and what kind of collateral is needed?"
Xiao Wan smiled and explained: "Of course you, the Lin family, can apply for a loan. The collateral only needs to be land, houses, shops, calligraphy, paintings, and rare things."
"Moreover, not only the nobles who participated in the auction, but also merchants can apply for loans. Even families or individuals who do not participate in the auction can apply for loans anytime and anywhere as long as they have good credit or have collateral."
Lin Dong and Lin Mo looked at each other and were shocked again.
They were originally worried about how to pay off the money, but they didn't expect that Yang Fan created Datang Royal Bank to directly solve this problem.
Installment repayment at extremely low interest rates not only subverts the previous private lending methods in Jiangnan, but also prevents everyone from being unable to pay.
More importantly, Yang Fan obviously consciously and plannedly supported those merchants who did not have sufficient funds but had real business acumen to develop business in Jiangnan and promote business prosperity.
Or it can give those poor families and people who have no money the opportunity to participate in business competition.
This forced the Jiangnan gentry to make changes.
If you do not participate in the business environment established by Yang Fan, you will definitely be replaced by other competitors.
Thinking of this, the corners of the eyes of the two Lin brothers jumped sharply involuntarily.
It’s really a waste of money!
If the Jiangnan nobles do not cooperate with Yang Fan, then everyone will be eliminated by the times.
The prerequisite for cooperation is to pay Yang Fan this huge amount of bidding money.
If everyone is tied to Yang Fan's warship in the future, who would dare to object to cooperating with Yang Fan?
Of course, although a loan is a good choice, Lin Dong now faces two problems, two fatal problems!
If you borrow money from the Royal Bank of Tang Dynasty and mortgage your property and house deeds, if your shipbuilding industry fails to meet your expectations, wouldn't it be equivalent to giving away all the wealth that Lin has accumulated over hundreds of years?
You must know that the new sea-going ships were all invented by Yang Fan. Although he has obtained the shipbuilding technology, he may not be able to compete with Yang Fan.
There is one more important thing!
If Yang Fan is really trying to support poor families to fight against the Jiangnan gentry, then with so much investment, there is no guarantee that others will enter the shipbuilding industry in the future.
Doesn't this mean digging your own grave?
The water here is too deep and the future is uncertain.
For a while, Lin Dong was worried about gains and losses and hesitated.
Xiao Wan saw the Lin brothers' expressions in her eyes, but said nothing.
After all, whether to get a loan or not is someone else's business, and the Xiao family has nothing to do with it.
In fact, Lin Dong's concerns were naturally also those of the Jiangnan gentry.
But Yang Fan's move was a conspiracy, and no one dared to resist.
On the one hand, if you don’t pay off the bidding money, you will definitely not get these technologies from Yang Fan.
Those who fall behind will be beaten, and they, the nobles, can understand this best.
You must know that these nobles are able to stand high because they have grasped the most advanced things of the times.
What's more, Xiao's company is bidding on papermaking technology. As long as there are people in the world who read, they won't be afraid that the paper won't be sold.
Anyway, no matter how much we lose, we can't lose it to the Xiao family.
However, Xiao Wan still admired Xiao Yu's foresight in preventing the Xiao family from getting involved in the fight against Yang Fan from the beginning.
Sure enough, if there is a good leader in the family, he can definitely lead the family to prosperity.
And Xiao Yu is the leader of this generation of their Xiao family.
Xiao Wan raised her head and sat up straight, a sense of pride welling up in her chest.
As long as he has talents, sees the investment targets accurately, and stands in good team, he will not worry about the decline of the Xiao family.
Lin Dong couldn't help but smile bitterly when he saw Xiao Wan's appearance as if it was none of his business.
It seems that the Xiao family has no intention of getting involved.
But after much thought, Lin Dong couldn't figure out why Yang Fan would lend them money at such a low interest rate.
Six percent interest is simply lending money to you for business.
In this day and age, it's almost the same as being given for free.
I couldn’t figure it out, and Lin Dong didn’t think about it either.
Because he knew that if he did not pay, the Lin family would not have the capital to fight against Yang Fan.
If you think about it this way, you can only treat a dead horse as a living horse doctor, and you can only fight.
Thinking of this, Lin Dong stared at Xiao Wan and asked solemnly: "Mr. Xiao, it's not that Lin is being pretentious. In fact, the land and property deeds belong to the family foundation, so we have to act with caution."
"I dare to ask Mr. Xiao, if Yang Fan is transferred back to Chang'an in the future and no longer takes charge of Datang Royal Bank, will his loan plan and commitment still be effective?"
When people leave, the tea is cool.
He, Yang Fan, is already in a high position before he reaches his prime, so it is impossible for him to stay in Jiangnan forever.
Once he leaves and someone comes up who completely refuses to acknowledge the previous agreement, they will have nothing to cry about as mortgage loan holders.
Xiao Wan laughed loudly and said: "Xiao can't guarantee this question, you'd better ask the Governor directly."
"The Governor came to visit him in person?" Lin Dong asked in a voiceless voice.
No wonder Lin Dong was so shocked.
Although the Xiao family is the leader of the Jiangnan gentry, Yang Fan is also a high-ranking official in the border areas. It is simply harder to get Yang Fan to visit them than to reach the sky.
If Xiao Yu is still in the Xiao family, Yang Fan belongs to the younger generation after all.
But now Yang Fan and Xiao Wan don't have much friendship, so a visit would be too disrespectful to the Xiao family.
Seeing Lin Dong so shocked, Xiao Wan looked proud.
When the housekeeper reported to him yesterday, Xiao Wan was also shocked.
Yang Fan came to visit in person, which was considered as giving the Xiao family enough face.
So Xiao Wan raised his chin and said pretentiously: "Brother Lin, drink tea first, the Governor should be arriving soon."