Ming Dynasty: The poisonous imperial teacher, Zhu Yuanzhang advised me to be kind

Chapter 89: Chu Nan is really scary, making ordinary people take out mortgages in the Ming Dynasty
"Yes." Liu Bowen was also surprised.

"Chu Nan, why is your plan not so vicious now? Wasn't it very vicious before? It must be hidden."

"Poisonous scholar? Poisonous plot?" But when Yao Guangxiao heard what Zhu Yuanzhang and Liu Bowen said, his eyes widened.

Sure enough, he guessed correctly, this Chu Nan was the poisonous scholar! Those poisonous schemes were all come up with by this Chu Nan.

"What's wrong?" But when Chu Nan saw Yao Guangxiao say this, he smiled.

"Did you guess that I was the one who came up with those evil plots? Lord Yao is really amazing. He guessed it right."

"But even if you guessed it right, you still have to keep this secret and don't tell anyone, hehe."

"This..." When Yao Guangxiao heard Chu Nan say this, coupled with that sinister smile, he immediately felt something was wrong, as if he was on a pirate ship.

Then he looked at Zhu Yuanzhang and Liu Bowen, only to find that they also had the same smile on their faces.

Oh no, we’re really on a pirate ship.

"Hehe." But when Chu Nan saw Yao Guangxiao's panicked look, he laughed.

Lord Yao, you have not only boarded a pirate ship, you have boarded my Chu Nan's ship and you want to be my shield.

But you probably won't know this, and I won't tell you.

But now Zhu Yuanzhang wanted Chu Nan to express his other ideas, so Chu Nan felt helpless.

"Your Majesty, I do have two plans that can bring more stability to the people of Ming Dynasty, but these two plans are too vicious."

"I am so poisoned that I dare not speak out. I am really afraid that my grave will be dug up after I die, so I dare not speak out."

"What, another vicious scheme, and a very vicious one at that?" Zhu Yuanzhang was stunned when he heard this. Damn it, this Chu Nan really had a lot of vicious schemes.

"It's okay, go ahead." However, Zhu Yuanzhang had already gotten used to Chu Nan's vicious schemes. No matter how vicious the schemes were, he remained indifferent.

"Tell it out!" Liu Bowen was also looking forward to it. He wanted to hear Chu Nan's evil plan.

Yao Guangxiao was a little skeptical. He couldn't even solve this problem, so how could Chu Nan come up with a vicious plan to solve it? It was unlikely, right?

What kind of evil plan was this? Was it to kill all the refugees? Or to send them all into exile and let the enemy kill them?
These are poisons, but they are not methods. Could Chu Nan have come up with these methods? He was very skeptical.

"Your Majesty." At this time, Chu Nan also spoke.

"In fact, the solution I have in mind is simple. It is to repair the houses and let the people live in them."

"Hmm?" Zhu Yuanzhang frowned when he heard this.

"What do you mean? Why do you want to repair the house?"

Liu Bowen and Yao Guangxiao were also puzzled.

Although the people of the Ming Dynasty had no food or drink, they had enough housing. The poor lived in thatched huts and adobe houses, while the rich lived in tiled houses. So what was the point of building houses?

"Your Majesty, please listen to me." When Chu Nan heard Zhu Yuanzhang's doubts, he also began to explain.

"When I say build a house, I don't mean to build those thatched houses or adobe houses, but to build a brick house."

"The bricks from the Ming Dynasty are not very good, but I have a way to make the bricks better, and I can also make a bonding material called cement. In short, I have a way to build a beautiful and sturdy house."

"Then, after these houses are built, they can be sold and people can buy them."

"Huh? That's not right!" But before Chu Nan could finish his words, Zhu Yuanzhang interrupted him anxiously.

"Chu Nan, what do you mean by this method? Isn't it too unreasonable?"

"The people of Ming Dynasty are so poor now, they are lucky to have a place to live? Will they buy a house? And where do they get the money to buy a house?" "Your method is not good, it doesn't take Ming Dynasty's national conditions into consideration."

Yao Guangxiao also laughed after hearing this. He didn't expect that Chu Nan would also have unexpected moments.

"Your Majesty, don't be anxious." Chu Nan shook his head and smiled.

"The people of the Ming Dynasty are poor, but not all of them are poor. And it's not because they are poor that they won't buy good houses."

"Everyone yearns for a better life. When ordinary people see a beautiful house and then go home to look at their own shabby thatched cottage, will they not be tempted to think about that beautiful house?"

"Even if he doesn't want to, won't his wife, parents, daughter, and son want to? So as long as the house is built and sold, someone will definitely buy it."

Chu Nan laughed after he finished speaking. How could no one buy it? If no one bought it, how could there be so many people engaged in real estate in later generations?
"That makes sense." Liu Bowen nodded after listening.

Everyone wants to live a good life. So when a house is built, most people may not buy it, but those who are rich and have solved the problem of food and clothing will definitely buy it.

People tend to compare with each other and follow the crowd.

When you see one person buying a house, others will follow suit. When you see others buy a good house, you will want to buy a better one. This is human nature.

"That makes sense." Zhu Yuanzhang finally nodded and approved of Chu Nan's plan.

"But." But Yao Guangxiao still felt there was a loophole.

"The people of the Ming Dynasty are so poor. Even if they want to buy a house, what can they use to buy it?"

"This is easy." Chu Nan smiled when he heard what Yao Guangxiao said.

"Master Yao, you won't forget that there has been a saying about borrowing money since ancient times, right?"

"The Ming government can set up a bank, and then set up an institution in the bank specifically for borrowing money for buying houses. People who can't afford to buy houses can borrow money from the government, calculate the interest, and repay it monthly."

"He can pay it back for ten or twenty years. If he can pay it back, he can live in it. If he can't pay it back, the house will be taken away. This way the court can make money and the people can have a house to live in."

"But the price can't be too high, and the interest rate can't be too high, otherwise most people won't be able to afford it."

After saying this, Chu Nan felt that he was still quite kind.

Although the people of the Ming Dynasty might have to bear the burden of mortgage loans in the Ming Dynasty, he did not go to extremes and it is not recommended to set housing prices too high.

"This, what kind of method is this?" But after hearing Chu Nan's words, Zhu Yuanzhang was confused.

These ordinary people are suffering enough, and you, Chu Nan, deceived them into borrowing money to buy houses? Isn't that too awesome?

Yao Guangxiao was also dumbfounded at this moment: "So, Lord Chu, your idea is to let these people have hope for life, and this house is their hope?"

"Try to save money, buy a good house, and repay the loan after buying it, so that they won't cause trouble?"

"Yes." Chu Nan was surprised when he heard Yao Guangxiao's words. Yao Guangxiao was indeed a smart man. He actually discovered the trick immediately.

Then explain.

"Everyone yearns for a better life, and the reason why the people of the Ming Dynasty are currently rebelling and even complaining is because they are not getting the life they want."

"Having enough food and drink is also what they want in life, but it is too easy to satisfy them. Once they are satisfied, they will want more, and then new problems will arise."

"So we need to create a bigger hope for the people that is not easy to obtain, and that hope is housing."

"As long as they have this hope, and work hard for decades to buy a house and then continue to work hard to repay the loan, they are willing to do so. Will they rebel?"

(End of this chapter)