Tiantang Splendid

Chapter 822 Loans
Zhou Tang didn't stop Zhou Shu from going mad, he also wanted to see what the bottom line of General Xin Mao was.

If he really forced the Zhou family to borrow money, he...he didn't know what to do.

General Xin Mao laughed, looked at Zhou Shu, and said warmly, "You don't have to get too excited, someone is just a messenger. It's useless to frighten someone by blowing your beard and staring. First of all, your Zhou family signed and pledged for the share subscription. Yes, written in black and white, even if the lawsuit goes to the imperial court, your Zhou family will lose, you won’t refute this point?”

Zhou Shu snorted through his nostrils and was speechless.

Due to emotion and reason, the Zhou family had to buy the shares, or pay huge compensation.It is said that you have money but have no money. If you don’t have money, you dare to open your mouth and make random quotations?

It doesn't make sense.

Xin Mao continued with a smile: "Besides, the younger generation can probably guess what you and Mr. Emu are thinking, but they just think that the chief executive is going to come up with some kind of usury with a lot of interest, so as to defraud the Zhou family?"

Zhou Tang said nothing, but Zhou Shu snorted angrily, "Isn't it?"

General Xin Mao shook his head and said, "No, you are treating the heart of a gentleman with the heart of a villain, and you have wronged the chief executive."

Zhou Shu asked, "How do you say that?"

General Xin Mao said: "The bank's interest is uniform. According to the current situation of private lending, the head manager has set the interest at one cent per month, and there will be no change within ten years."

Zhou Tang suddenly widened his eyes: "One profit?"

Xin Maojiang nodded: "That's right, a profit."

He naturally knew why Zhou Tang was shocked.

The most popular thing right now is "Nine Outs and Thirteen Returns", since you borrow ten guan, what you get is actually nine guan, and the repayment will be thirteen guan.In addition to this, the corresponding interest must be paid. This interest is generally calculated on a monthly basis, which is about three cents.

Calculated in this way, inside and out, it is simply killing people...

But what about the bank's interest?

Just one point!
Apart from a little "stamp duty", there is no more talk.

Zhou Tang frowned and asked, "What do you need as collateral?"

Xin Maojiang said with a smile: "Fields, houses, shops, even calligraphy and paintings, and rare objects are all acceptable. Moreover, not only the gentry and merchants who subscribed for the shares of the salt farm this time can apply for loans, but all of them can make their commercial projects get money from the bank. Approved families or individuals can apply for loans anytime and anywhere.”

Zhou Tang was shocked again.

It is true that he is a Confucian, but he is by no means a pedantic person who pretends to be lofty. The Yangxian Zhou family's prosperity is inseparable from his careful management.He is also quite proficient in the way of breeding goods.

Fang Jun's so-called "bank" is not only prepared for those gentry who have subscribed for the shares of the salt farm but can't afford the money, it's another bigger game of chess!This action not only subverted the previous Jiangnan folk lending methods, but also provided other options for large-scale loans, so that he would not have to suffer from the exploitation of the lenders. More importantly, he really consciously and plannedly supported those capitals that were not Rich, but really business-minded merchants.

Or... poor family!
The corners of Zhou Tang's eyes twitched involuntarily.

If they fall to Fang Jun, the Zhou family can not only keep the interests of the salt field that they have now, but also show that the horses and horses are in line. I think Fang Jun will definitely not treat the Zhou family who is the first to stand up and support him.

This is a good choice, but Zhou Tang is now facing two problems, two terrible problems!
If he borrowed money from that bank and mortgaged his own land and house deeds, if the income of the saltworks did not reach the ideal level, wouldn't it mean that Fang Jun drew a circle and ate up all the wealth accumulated by the Zhou family over hundreds of years?
The salt field was created by Fang Jun. Although everyone is willing to believe Fang Jun's explanation and prediction of the output of the salt field, what if?
There is one more important!
If Fang Jun really wanted to support the poor family in order to fight against the gentry in the south of the Yangtze River, wouldn't it mean that he would help the tyrant and dig his own grave if he took refuge in the past?
The water is too deep...

Zhou Tang worried about gains and losses and hesitated.

Xin Mao saw his expression in his eyes and smiled in his heart.

Before planning to launch this "Royal Bank", the chief manager and Pei Changshi had already thoroughly understood the minds of all the nobles and merchants, and made plans for various possibilities as much as possible.

Zhou Tang's concerns were naturally within the Chief Executive's expectation...

Xin Mao sat up straight, a sense of arrogance welled up in his chest.

He said in a solemn tone: "The chief executive once said that he is the most loyal person. You smoothed things over for him at the prospectus, and he will remember this kindness. All families or individuals who subscribed for the shares of the salt farm, if necessary, When borrowing money from a bank, the bank will not confiscate all the mortgaged property, but will only prohibit its sale and purchase until the loan is paid off.”

The corners of Zhou Tang's eyes twitched again... He couldn't even remember how many times he was shocked today. Fang Jun's move after move made it impossible to guard against. There is no way to avoid it!
What is "he will remember this kindness"?
It doesn't matter whether you take out money or borrow money from the bank, as long as you honestly buy the subscribed shares, that is "love"!We have friendship, we are partners, and naturally we will not treat you badly in the future.

But if you want to embarrass him, play a rogue and refuse to pay, not only will there be no "affection", there will be only "hatred"!
Outright threats and intimidation!
And the last sentence of Xin Maojiang made Zhou Tang have to admire Fang Jun's courage.

"The bank will not confiscate all mortgaged property at any time, but only prohibits its sale and purchase until the loan is paid off"...

What does this mean?

It's like lending you money to do business!
In this day and age, a profit is no different from giving for nothing...

Zhou Tang understood in his heart that there was only one last question.

He looked at General Xin Mao, and asked slowly: "It's not that the old man can't trust the chief executive. It's because of the property deed design family foundation, so we have to act cautiously. Dare I ask, in case the chief executive no longer controls this bank in the future, this promise Will it still work?"

Don't say anything about signing and drawing!
It is normal for people to leave the government. Fang Jun has not yet reached the age of weak crown, so can he still be in charge of this bank for too long?Once he left, a person who came up did not recognize the previous agreement at all, and that Zhou family would not even cry!
Xi Junmai laughed loudly and said, "Mr. Empu must have neglected one thing."

"What's the matter?"

"The full name of this bank is 'Datang Royal Bank'. It has nothing to do with Huating Town, Suzhou, or even Canghai Road. It is His Majesty's private property. Whether it is the Zhou family or others, it is the document for signing the loan agreement. They are all signed and pledged by His Majesty, so what does it have to do with the chief executive?"

Zhou Tang was dumbfounded: "Really?!"

Xi Junmai nodded and said: "There is absolutely no lie!"

Zhou Tang let out a long breath, and immediately made a decision: "I don't know how to price this mortgaged property?"

Xi Junmai said: "There are people in the bank who are in charge of evaluation. They are all talents who are proficient in mathematics and economics. They will never maliciously lower the price of the mortgaged property. Not only that, but the chief executive specially expressed his appreciation for the subscription of the shares of the salt farm. Everyone offers a bonus, which can be loaned out according to the price of the pledged property, plus [-]%!"

If you take out one hundred acres of land and the market price is one thousand guan, I will lend you 1000 two hundred guan!

Big deal...

Zhou Tang had no more objections, and immediately stated: "Tomorrow, the old man will arrange for the third brother to go to Huating Town with the land title deed, and go to the bank to go through the loan procedures."

General Xin Mao chuckled, raised his thumb and said, "Mr. Emu is so courageous, this junior is heartbroken!"

The task is completed, and my heart is relieved!
Zhou Tang also laughed loudly: "Mr. Xin is eloquent, clear in thinking, and worthy of the title of a young talent. Failure in an imperial examination is not a major event. As long as you put your heart into it, it is inevitable to be named on the gold list in the future. Just as the chief executive said As the saying goes, read thousands of books and travel thousands of miles, have a bright future, and fly thousands of miles!"

This deal is worth it!
Jiangnan gentry?

fuck it!

Zhou Tang has long seen clearly that the times are different!Still thinking that during the Southern and Northern Dynasties, the world was in chaos, and the gentry in the south of the Yangtze River took advantage of the fire to rise up?Still thinking that after the Sui Dynasty unified the south of the Yangtze River, they would be powerless and let the gentry in the south of the Yangtze River grow bigger?Still thinking that under the maintenance of the Nine-Rank Zhongzheng System, the aristocratic families control the government and have the power to rise and fall?

Stop dreaming, wake up!

The Great Tang has risen like a giant, and will never allow aristocratic families to control the resources of the empire as before, or even override the supremacy of the imperial power!

Either go with the flow, ride the wind and waves with the big ship of Datang, and set sail for a long voyage; or insist on going your own way, and be crushed in front of the powerful wheels...

Where to go, Zhou Tang is very clear.

(End of this chapter)