I directed the Xuanwumen Incident

Xu Fenglei patted him on the shoulder.

"It will be fine."

He comforted,

"The development of Datang is too fast, and it is changing with each passing day."

"The population of Chang'an City has exceeded 100 million. There are too many people and few houses. Rich merchants from other places come here with their wealth. Naturally, the housing prices are constantly pushed up. There is no way out. "

This is a market law.

Supply exceeds demand, and prices naturally rise.

"I don't know how to get better."

The scholar surnamed Liu smiled bitterly and said,
"I can only watch the house prices in Chang'an go up."

"I can't catch up, I can't catch up at all."

"I can only envy those locals in Chang'an. They don't need to do anything, just rent out a few of their houses, and they can live comfortably for the rest of their lives."

"Ugh……"

The white-shirted scribe on the side said:
"It's really not possible, let's live outside the city! Although the journey is a bit far away, at least it's affordable."

"I just have to go to the Yamen early every day."

The scribe on the side immediately retorted:

"In this way, you can get a wife?"

"..."

The other people all frowned.

A group of outstanding young people are worried that their eyebrows are about to fall off as they struggle to find a place to live.

"Your Majesty, delicious food is here!"

"There are eight dishes in total! Four meat and four vegetarian dishes, and two stir-fry dishes are being prepared. They will be here soon!"

The waiter enthusiastically placed six dishes on the table, and in an instant, the aroma filled the air.

But after all, eating depends on your mood.

At this moment, except for Xu Fenglei, the others seemed to be in no mood to eat.

"Eat first."

Xu Fenglei moved his chopsticks and said,

"The affairs of young people are important matters of the country. The high officials in the court, and even the emperor, need to listen to them and even help you solve them."

"House prices in Chang'an have been rising for ten years. If you want to bring prices down, there are only two things to do."

“One controls the population, and the other expands the housing supply.”

"Come on, come on, let's eat! I spent so much money!"

Under his urging, several people finally picked up chopsticks.

The joy of food can make foodies temporarily forget their worries and put all their emotions into eating and drinking.

After eating a few chopsticks of delicious food, everyone's brows relaxed a bit.

"This is delicious, try it."

"This is really good. The taste of Chang'an delicacies is great. Compared with these, what kind of life did we live at home? What we ate were all pig food!"

"It's all thanks to this dear friend... By the way, you still don't know your last name?"

Xu Fenglei smiled slightly.

"Miangui's surname is Xu."

he said.

"It turns out to be Brother Xu, disrespectful!"

The scholar surnamed Liu cupped his hands and said with a smile,

"You have the same surname as the Grand Master of the dynasty!"

Xu Fenglei nodded without comment.

"Grand Master? Xu Fenglei? He is amazing!"

"I heard that he is as young as us! More than ten years ago, the current emperor was able to become the emperor, all thanks to his merits!"

"That's right, if he is as awesome as him, why should we worry about not being able to buy a house?"

"Haha, you are talking nonsense again. That Fenglei Bank is owned by someone else. I heard that he can earn tens of millions of taels of silver a year! If he wants to buy it, he may be able to buy half of Chang'an City! Look at him, and then Look at us... comparing ourselves to each other makes people mad!"

puff.

Xu Fenglei almost spit out a mouthful of grape wine when he heard them bragging about him.

Earn tens of millions of taels a year?Buy half of Chang'an City?

How did he not know he was so arrogant?
"Brother Xu, what's wrong with you?"

The scholar surnamed Liu was puzzled.

"it's okay no problem."

Xu Fenglei stood up, drank all the grape wine in the cup, and said,

"I remembered that I still have something to do, so I will excuse you first."

"You continue to eat and drink. I've already paid for it. It won't be a problem to add more food."

"Farewell, goodbye."

When he talked about the bank, he remembered that he had other business to attend to and could no longer continue fishing.

"Hey...Brother Xu, walk slowly!"

Several scribes looked at his retreating back and waved goodbye when they saw that they could not call him.

"This Brother Xu is a bit strange..."

"Those who can directly take out gold ingots are either high-ranking officials or wealthy businessmen. But looking at him, he doesn't have the popularity of a superior person, nor does he have the smell of copper of a wealthy man. Instead, he looks like a hermit..."

"If you have a chance, ask around to see if there is such a person in Chang'an."

"..."

After a while.

Xu Fenglei had already appeared in the courtyard of Fenglei Bank.

"Master, please have some tea."

Li Qingquan was very happy about the arrival of his master. He walked briskly and made tea for Xu Fenglei with his own hands.

"Ah."

Xu Fenglei took a sip, raised his hand and said,
"Qingquan, sit down."

Li Qingquan nodded and took out a thick account book from his arms.

This is the general ledger of Fenglei Bank, the most core confidential document!
"Master, this is the ledger for the past year, you..."

She was about to report when she saw Xu Fenglei wave his hand.

"Let's not talk about it for now. When I came here today, I learned a lot."

"Are the housing prices in Chang'an City now so expensive that even the officials of the imperial court cannot afford them?"

Li Qingquan was taken aback.

"You said housing prices... that's right."

She closed the ledger and responded with a smile,
"It's generally more than 800 taels. For example, the most remote corner in the south of the city has this price, and it's still a run-down yard."

"In a good prime location, it is normal to pay 8000 taels or more than [-] taels. Don't have too many wealthy households in Chang'an. Many businessmen from other places flock to Chang'an. That's called a wealthy person."

"Speaking of which, you did the right thing when you asked me to use the bank's money to invest in real estate!"

"In recent years, the return on investment in real estate has been too high! If you invest 1 taels, you will earn 5000 taels in the next year, and it is easy to sell! It is like picking up money!"

Xu Fenglei: "..."

Buying low and selling high, housing prices in Chang'an continue to rise, and banks are also one of the main drivers.

"Then how much money did you invest in real estate?"

he asked.

Li Qingquan thought for a moment.

"This...is about 2000 million, right?"

She touched her smooth chin and said,

"Maybe more, I didn't calculate it carefully."

"Because the deposit investment structure of the bank was very simple in the early stage, there were basically no other projects to invest in except real estate."

"When investing in real estate, you basically just need to invest with your eyes closed, and you'll make a sure profit."

"Even now, if you invest with your eyes closed, you can still make a sure profit! Several actuaries in the bank have calculated that after this year, house prices in Chang'an will increase by another [-]%!"

Xu Fenglei's eyes widened.

"Duo Shao?"

He said in astonishment,

"Twenty million taels of silver?" "So much?! You really want to buy the entire 2000th Street of Chang'an!"

Li Qingquan looked like it was natural.

"It's more or less the same. Our layout is early, and there are a large number of real estate hoards in major cities."

she said,

"Many of the properties in prime locations are semi-not for sale. Unless the price is extremely high, I will not sell them."

"It's a good thing that has steadily appreciated in value. Why sell it?"

Xu Fenglei: "@#￥%...&*@#"

have to.

It seems that my own bank is the culprit behind the high price of houses in Chang'an!
"Qingquan, sometimes you can't just think about making money, you also have to think about the people."

Xu Fenglei sighed softly,

“By raising housing prices like this, ordinary people will have no place to stand.”

"This was not my intention."

Li Qingquan pouted.

"Master, if we don't speculate, those giant businessmen in Chang'an will also stock up and speculate."

she said,

"Maybe they'll be even more aggressive! Because they have no bottom line than we do!"

"It is precisely because we have a large amount of real estate hoarded in our hands that they dare not join forces to push up housing prices."

"So, this is the best situation now."

Xu Fenglei was silent.

Yes.

If you don’t speculate, others will!
Datang's economy is becoming more and more prosperous day by day. The rise in housing prices in Chang'an is an objective law and cannot be changed by human will.

"I want to bring down the housing prices in Chang'an."

he whispered,

"At the very least, we have to give everyone something to look forward to."

"Many young talents cannot raise their heads because they can't afford a house, and they can't even get a wife! I don't want to see them worrying about it."

"The original intention of building a bank is not to collect money wantonly, but to promote social development and progress while earning money. This is my consistent philosophy."

In later generations, a businessman named Ma said that he was not interested in money.

That's a bit disingenuous.

But Xu Fenglei, he is really not interested in money.

As far as his status is concerned, there is no shortage of this thing. If you don't bring it with you when you die, why do you hoard so much?
He's not a miser.

The purpose of making money is to gather wealth and then do whatever you want.Do what you think is right without any constraints!
"Master, what do you want me to do?"

Li Qingquan's eyes were bright.

She knew that since the master said this, he must already have his own plan in mind.

"I have a plan to expand Chang'an City."

Xu Fenglei said in a deep voice,

"According to the original plan, the limit of Chang'an's population is 100 million, and now it is almost overflowing!"

"This is also the root cause of high housing prices! Many people have no houses to live in, and they want to buy one even if they are broke and bankrupt!"

"As time goes by and the population increases, Chang'an's population will definitely become more and more densely populated! In a few decades, it is possible to reach 200 million or even 300 million!"

“With so many people, where can they live?”

"It must be expanded to accommodate it! Only expansion can balance the supply and demand relationship."

"Bring a pen and paper."

Li Qingquan quickly ordered someone to get pen and paper.

Swish swish.

Xu Fenglei said while drawing pictures:

"With Taiji Palace as the core, this is the current Chang'an City. I call it the inner city."

"Beyond the inner city, we plan another large piece of land to serve as the outer city of Chang'an!"

"The area is twice that of the inner city! In this way, the population that Chang'an can accommodate will reach 300 million. The construction of a large number of houses will also reduce the housing prices in the inner city. Compared with the inner city, the outer city The house prices are definitely much cheaper, after all, they are even more out of center than the south of the city."

"But living in the outer city is at least better than going to the suburbs. In addition, the outer city can also serve as a protection for the inner city. It is a thick barrier. It also gives the emperor in the Tai Chi Palace a greater sense of security. "

Li Qingquan looked at Xu Fenglei's blueprint and couldn't help but frown slightly.

"Master, your plan will probably cost tens of millions."

She couldn't help saying,
"It's too grand!"

"Moreover, this must be discussed by the imperial court and approved by my father."

"It's not a trivial matter!"

To build the outer city, we also need to build houses. This is definitely a huge project. It may not be completed in less than ten years!
The key is that the emperor must be happy.

"You can mention this plan to your father."

Xu Fenglei laughed,
"Show him the facts and make sense, I think he will think about it."

Li Qingquan was slightly taken aback.

"Master, if you go and tell Father in person, I think he will seriously consider it."

She couldn't help but persuade and said,
"You won't come back this time, don't you want to talk to your father?"

"What happened to Hou Junji was indeed my father's fault, but Hou Junji also said that he was going to die on the battlefield and wanted to return his body wrapped in horse leather. My father also sympathized with him as a veteran, so he let him go. of."

"Perhaps he will die on the Tuyuhun battlefield now, so don't worry about him."

Xu Fenglei shook his head.

"This is not just about Hou Junji."

He said lightly,

"Besides, I don't think Hou Jun will die."

"He will definitely come back with meritorious deeds... But, in fact, I don't have that much obsession anymore."

"I'm a little tired of the court. It's good to live in seclusion on the mountain for a few years. When I get tired of living in seclusion again, maybe I will really return."

Li Qingquan's expression darkened.

"Master, are you leaving this time?"

she murmured,

"We're okay... but Cheng Qian can't live without your urging!"

"While you were away for a while, he caused all these troubles and had several quarrels with my father. If you are absent for a long time, then I am really worried..."

Xu Fenglei snorted softly.

"Even an old hen can't always protect its chicks."

he said,

"He has to walk the road to inherit Qian's life by himself."

"Whatever happens to him is his own business."

"I don't want to be Guan Zhong, nor do I want to be Zhuge Liang. I just want to retire after my success and come back occasionally."

Li Qingquan pursed his lips.

"Okay, let's not talk about him anymore. I believe Cheng Qian can take his own path."

Xu Fenglei waved his hand and said,

"You pay the bill."

"There are rumors outside that Fenglei Bank can earn 2000 million taels of silver a year. It's getting more and more ridiculous! Does this damn girl really think we are a gold mine? We can't even open a gold mine so fast!"

Li Qingquan nodded when he heard this.

"There are almost that many. In the past two years, it was close, but this year it is definitely possible. The momentum of sub-villages in various places is very strong."

She responded truthfully.

Xu Fenglei: "?!"

"what?"

"real or fake?"

His face was astonished!

Can you really earn 2000 million taels of silver a year?

I'm afraid the annual revenue of the national treasury is less than half, right? !

"Of course it's true. Why did you lie to Master?"

Li Qingquan smiled and said,
"Except for Liu Fubo's sailing investment, all our investments have been profitable! And the compound interest is accumulating every year!"