My father is Chongzhen? Then I have no choice but to rebel.

Chapter 227: What to do if soldiers can’t afford housing? Learn about Ming Dynasty mortgages!
At first, Zhu Cilang was a little confused and couldn't understand why these southern gentry suddenly became so cooperative.

Why are they so scared when I haven't even started yet?

I have the impression that these southern gentry shouldn't be like this!

But he soon figured everything out.

You have to know that at this time in the late Ming Dynasty, most of the gentry in the south were involved in maritime trade.

To them, land income is just a drop in the ocean, and the real huge wealth is hidden in the turbulent sea.

If the court's attention were focused on maritime trade due to the issue of unpaid taxes, it would undoubtedly be a case of picking up sesame seeds and losing watermelons, and the loss would outweigh the gain.

Instead of doing this, it would be better to pay all the taxes owed and continue to engage in maritime trade peacefully.

After figuring this out, Zhu Cilang couldn't help but sigh in his heart that these southern gentry were indeed very smart!

This tactic of sacrificing the rook to save the king is really cool!
He has calculated the gains and losses to the extreme.

However, even after knowing this inside story, Zhu Cilang did not intend to take action against them immediately.

Firstly, they have already paid the taxes they owed, so it would be unreasonable to take further action.

Secondly, we must take one step at a time and eat one bite at a time. The court’s main goal at the moment is to collect the outstanding taxes and deal with Li Zicheng. There is no need to rush into maritime trade for the time being.

When the maritime ban is lifted in the future, that will be the day to settle accounts with these people.

At that time, Zhu Cilang would definitely make them return all the money they had earned through maritime trade over the years without a penny less.

So Zhu Cilang didn't mind them continuing to do maritime trade business. After all, every penny they earned now would fall into his pocket in the future.

Just as Zhu Cilang was lost in thought, Chongzhen beside him seemed to be suddenly struck by an idea. He looked at Zhu Cilang and asked:
"By the way, according to the estimated time, the tax collection team should be arriving near Nanjing soon."

When Zhu Cilang heard this, he instantly came back to his senses and said:

"Your Majesty's guess is correct. According to the time calculation, they will arrive in Nanjing in the next few days."

After receiving Zhu Cilang's definite reply, a rather complicated look flashed in Chongzhen's eyes.

This is because Chongzhen knew that Nanjing was the key to this tax collection campaign.

After all, as the second capital of the Ming Dynasty, Nanjing was one of the wealthiest cities in the country. The land tax and various unpaid commercial taxes in the Nanjing area alone amounted to at least tens of millions of taels of silver.

However, taxes in Nanjing are also the most difficult to collect.

After all, Nanjing is a place where good and bad people mix together, with various powerful forces intertwined and the relationships are as complicated as a tangled mess.

Even if troops were sent there, it would not be easy to collect taxes successfully.

Thinking of this, Chongzhen couldn't help but show a trace of worry on his face. He sighed softly and then asked:

"Do you think it's so easy to collect taxes in Nanjing?"

"After all, over the years, the imperial court's control over Nanjing is no longer as strong as it used to be."

There was a hint of fatigue in his voice, mixed with a deep uncertainty about the situation, as if he was expecting Zhu Cilang to give him a reassuring answer.

However, when Zhu Cilang heard this, he didn't care at all.

He smiled calmly and said:

"Don't worry, Father! Things have developed to this point. No one, unless they are extremely foolish, will openly rebel against the court."

"After all, the troops sent to collect taxes have been killed along the way by anyone who dared to resist!"

"As long as they want to save their lives and maintain their current prosperity and wealth, they have no choice but to pay taxes."

"Besides, I have already sent Luo Yangxing to Nanjing. According to his recent reply, he has cooperated with Chang Yanling to control the local Jinyiwei in Nanjing."

"Now in Nanjing, we have our own informants and will no longer be deceived by others."

After hearing what Zhu Cilang said, Chongzhen's worries were immediately relieved and his expression relaxed a lot.

One has to admit that Zhu Cilang considers things more thoroughly than he does and plans everything in advance, which really makes people feel at ease.

I believe that no matter how meticulous the gentry and nobles in the south are, they may not be a match for Zhu Cilang.

His worries just now were really unnecessary.

Thinking of this, Chongzhen lay down again with a leisurely look on his face, and began to enjoy the tranquility that he had never experienced before.
Time passed quietly, and a few days passed in the blink of an eye.

After leaving court that day, Zhu Cilang finally remembered some things he had forgotten.

That is the matter of the Ming Royal Chamber of Commerce and the Ming State-owned Stores.

When he thought of this, Zhu Cilang did not hesitate at all and immediately ordered the Jinyiwei to summon Xia Dewu.

Not long after, hurried footsteps were heard outside the hall, and then Xia Dewu appeared in front of Zhu Cilang.

Because he had been running all the way here, beads of sweat had already appeared on Xia Dewu's forehead and his hair was a little messy.

In fact, Xia Dewu had been looking forward to meeting Zhu Cilang and explaining the affairs of the Ming Royal Chamber of Commerce and the Ming State-owned Stores.

But he never dared to come here rashly.

After all, since Zhu Cilang returned to Beijing, the emperor was assassinated, taxes owed by the gentry were collected, and royal families from all over the world were summoned to form the Zhu Family Army.

Which of these things is not important?

In comparison, his little thing is not worth mentioning!
So he didn't dare to disturb Zhu Cilang at all, but waited for Zhu Cilang's summons.

To be honest, if Zhu Cilang hadn't summoned him today, he would have continued waiting like this.

Fortunately, Zhu Cilang finally remembered him.

"Your Highness, Xia Dewu, pays homage to His Royal Highness the Crown Prince!"

When he saw Zhu Cilang, Xia Dewu hurriedly knelt down and saluted properly. His body bent very low, almost parallel to the ground, and his expression was extremely respectful.

Zhu Cilang nodded slightly, then said:

"Okay, get up!"

After Xia Dewu stood up, Zhu Cilang continued:
"I've been so busy lately that I almost forgot about you."

When Xia Dewu heard this, he hurriedly said again:

"Your Highness is busy with state affairs, so I cannot trouble Your Highness with such a trivial matter as mine."

Zhu Cilang smiled, then got straight to the point:

"Okay, no need for polite words."

"Let's talk about the recent business performance of the Imperial Chamber of Commerce and the Daming State-owned Store."

When Zhu Cilang left the capital for Liaodong, the Ming Royal Chamber of Commerce had not yet officially opened, but only about half a month later, the Ming Royal Chamber of Commerce officially opened.

By now, the Ming Royal Chamber of Commerce should have been in operation for more than two months.

As for the Daming State-owned Store, it has been operating for even longer, almost three months.

Zhu Cilang wanted to know how the revenue of these two places had been in the past three months.

Of course, he is not short of money now. After all, with the opening of the Ming Royal Bank, the money in his hands will only increase.

But then again, who would complain about having too little money?
At the same time, after hearing Zhu Cilang's question, Xia Dewu hurriedly said:
"Reporting to His Royal Highness, as of last night, the Daming State-Owned Store has earned 78,532 taels and 7 qian of silver."

"The Ming Imperial Chamber of Commerce earned 1,653,730,800 taels of silver."

"I have also brought the account books. Your Highness can check the accounts at any time!"

As Xia Dewu spoke, he took out two account books from his wide sleeves and raised them respectfully.

Seeing this, Ma Bao, who was standing by, quickly reached out to take it, and then handed it respectfully to Zhu Cilang.

Zhu Cilang just found it a little funny. First, the accounts had both zeros and even numbers, and now even the account books were taken out. It seemed that this guy thought he wanted to check the accounts?

But he didn't think about it. Why did a prince like him need to do such a small matter as checking the accounts himself?
Afterwards, Zhu Cilang didn't even look at the two account books, but waved at Ma Bao, indicating that he didn't want to look at the account books.

Ma Bao had no choice but to continue holding the account book in his hands.

Before Zhu Cilang could speak, Xia Dewu quickly continued:

"Your Highness, the reason why the profits of the Ming Dynasty state-owned stores are so small is mainly because they mostly sell daily necessities such as food."

"The profit margin on this kind of stuff is not huge to begin with. Furthermore, His Royal Highness has instructed us not to affect the business of surrounding merchants, so I dare not sell some things without restraint. This is why the profit is so limited."

"As for the Ming Royal Chamber of Commerce, mirrors, perfumes, and other items have become extremely popular in the capital recently, so almost all the wealthy ladies in the capital come here to buy them, so the profits are naturally quite considerable."

"In addition, some merchants in the capital also bought a lot of goods from me and sold them to other places."

"In accordance with His Royal Highness's previous instructions, I have also specially prepared a batch of common items and sent them to the British public shops, specifically for ordinary people."

"It's just that this batch of goods hasn't been sold out yet, so I don't know exactly how much profit I'll make."

Zhu Cilang listened to Xia Dewu's explanation and nodded with satisfaction.

He thought the income of the Ming Royal Chamber of Commerce was pretty good. On average, it was about 700,000 to 800,000 silver coins per month, which was quite considerable.

As for the income of the Ming Dynasty state-owned stores, he actually didn't care much about it.

After all, the reason he opened this store was not simply to make a profit, but to stabilize prices in the capital.

But I didn't expect that I could earn 170,000 taels of silver in three months, which means an average monthly income of more than 50,000 taels of silver.

This was much more than he had expected.

Thinking of this, Zhu Cilang stood up and walked to Xia Dewu, then patted him on the shoulder and said:

"You have done a good job in these two matters. I am very satisfied."

"Go and withdraw ten thousand taels of silver from your account later. This will be my reward to you!"

Xia Dewu was just a businessman. Even though he was promoted to a sixth-rank official by Zhu Cilang, he probably would not be able to be promoted any higher in his lifetime, so Zhu Cilang could only reward him with silver.

Of course, Xia Dewu didn't actually want to be promoted. After all, jumping from a businessman to a sixth-rank official was already a glory for his family, so he didn't think about anything else at all.

So when he heard about Zhu Cilang's reward, he immediately expressed his gratitude.

But before he could speak, Zhu Cilang suddenly continued:
"By the way, I have one more thing for you to do."

Xia Dewu had no time to thank him, so he quickly bowed and said seriously:
"Your Highness, please command me. I will go through fire and water without hesitation."

Zhu Cilang smiled and said:

"It's not that serious, and besides, this should be something you are good at."

"You should know that two new cities outside the city have been built, right?"

When Xia Dewu heard this, he nodded and said:

"Your Highness, I am aware of this matter."

Are you kidding? Who wouldn't know about this?

A few days ago, with the official completion of the two new cities outside the city, they instantly attracted the attention of the people and businessmen of the entire capital.

Everyone knows that after the construction of these two new cities, endless business opportunities will follow.

After all, the city has been built, so someone has to live in it, right?
Moreover, these two cities together can accommodate at least four or five hundred thousand people.

Which of these people’s food, clothing, housing and transportation does not cost hard money?
So in recent times, some people have been secretly contacting Xia Dewu, wanting to see if they can get a piece of the pie.

However, Xia Dewu didn't dare to agree to such a thing privately, so he never responded.

Now that Zhu Cilang took the initiative to mention this matter, Xia Dewu naturally felt a little excited.

Then, Zhu Cilang continued:

"I originally intended these two new cities to be used as residences for the families of the Guanning Iron Cavalry and the families of the soldiers of the Beijing Camp."

"It's just that something unexpected has happened. Now another city needs to be used to accommodate the tens of thousands of royal family members who are coming."

"Now that we have the city and the people, we need to provide them with food, clothing, housing and transportation."

"For this purpose, I have already built a large number of shops in the city. When the time comes, these shops will be handed over to you. Whether to sell or rent them is up to you."

"Of course, the Ming Dynasty state-owned stores will also be opened in the new city to ensure price stability in the new city!"

"In short, we need to make these two cities prosperous as soon as possible. We can't wait for people to live there and be left without food and clothing. That would be bad."

I have to say, what Zhu Cilang said coincided with what Xia Dewu was thinking!

The next second, Xia Dewu hurriedly replied respectfully:

"Don't worry, Your Highness. I will immediately start preparing for the relevant matters after I return."

"However, I feel that I still need to personally see the specific conditions of these two new cities before I can decide on the follow-up matters."

Zhu Cilang thought about it and suddenly felt that what Xia Dewu said made sense.

Since he has nothing to do right now, he might as well go to the new city. It just so happens that he has never been there before.

Thinking of this, Zhu Cilang immediately said:

"You make a lot of sense. I happen to be free right now, so let's go over and take a look."

Xia Dewu quickly agreed.

Immediately afterwards, after some preparation, Zhu Cilang led his men directly out of the city.

In addition, he specifically sent the Imperial Guards to convey his order, allowing Cao Bianjiao and other Guanning Iron Cavalry officers to accompany him. After all, this new city was originally intended to house their families, so naturally they had to be shown around first.

According to the court's current strategy, a large number of Han people were to be relocated to Liaodong.

Under such circumstances, it seemed to be an unwise decision to bring the families of the Guanning Iron Cavalry to the capital.

After all, there are at least 40,000 to 50,000 family members of these 10,000 people.

However, Zhu Cilang finally decided to proceed according to the original plan.

This was also the decision he made after repeatedly weighing the pros and cons.

There are two main reasons:
Firstly, this was what he had promised the Guanning Iron Cavalry before. As the future emperor of the Ming Dynasty, how could he go back on his word?
If he really goes back on his word, how will the Guanning Iron Cavalry view him, the future emperor of the Ming Dynasty?
Zhu Cilang would never do such a thing that would destroy his own reputation.

Second, the Guanning Iron Cavalry will continue to play an important role in the future. For example, they will definitely be used in the attack on Li Zicheng, and they will also be used in the attack on the Jiannu in the future.

If we don't treat them well at this time, how can they work hard for Zhu Cilang?
It was precisely because of these considerations that Zhu Cilang finally decided to proceed according to the previous plan.

Calculating the time, it will take at most a month for the families of the Guanning Iron Cavalry to come to Beijing.

After a while, Zhu Cilang brought his men to the outside of the city, and Cao Bianjiao had already been waiting here for a long time with dozens of Guanning Iron Cavalry officers.

After the group met at the city gate, they headed straight towards the newly built city.

It was mid-morning, and the sun was not as scorching as it was at noon, so it felt warm on everyone.

Outside the city, the breeze was blowing gently, the weeds on the roadside swayed in the wind, and people kept passing by, which seemed very pleasant.

Not long after walking, the outlines of two cities came into view in the distance.

It has to be said that the construction of these two cities can be described as magnificent. The city walls are tall and solid, and their height is almost comparable to that of the Beijing city walls.

Under the sunlight, it exudes a cold and majestic atmosphere.

Moreover, when constructing the main body, bricks commonly used in Beijing's city walls were not used, but cement was poured.

This resulted in the new city being even more solid than Beijing.

It has to be said that Zhu Cilang was extremely attentive in building these two cities.

Not only are the city walls built tall and solid, but they are also equipped with all the necessary forts, watchtowers, and hot air balloons.

The city wall was wide enough for several carriages to run side by side.

People standing on the city wall can see the soldiers in Beijing from afar.

The reason why it was built in this way was because Zhu Cilang knew that in the history of the Ming Dynasty, there had been many cases of foreign races surrounding the city of Beijing.

That's why he built these two cities into what they are today.

If one day in the future, a tyrant emperor appears again in the Ming Dynasty, causing foreign races to besiege the capital again, these two cities may be able to save the situation.

It has to be said that Zhu Cilang put a lot of effort into the future of the Ming Dynasty.

Although the overall framework of the new city has been built, when Zhu Cilang and his party stepped into the city, their eyes were instantly filled with a bustling scene.

The sunlight poured down unhindered, reflecting a dazzling light on the earth and making the entire construction site seem even more noisy and lively.

Countless craftsmen and disaster victims, like dense swarms of worker ants, shuttled back and forth in this city that was beginning to take shape, each busy with their work.

Their clothes were soaked with sweat and stuck tightly to their backs, but they had no intention of stopping what they were doing.

The reason why they are still busy here is because they want to "renovate" the houses in the city.

The houses in this city today are equivalent to the unfinished houses in later generations.

And such a house obviously needs to be carefully cleaned up before you can move in.

For example, installing doors and windows, making furniture, etc. and so on.

After all, you can't just let people come and live in this empty, bare house with nothing in it, right?
In order to complete this task as quickly as possible, the entire Ministry of Works and the craftsmen in the city, except for some who really could not escape, were basically all urgently transferred out of the city.

At the same time, some disaster victims who were already skilled in carpentry also joined the busy working team.

They either help with sawing or assist with polishing, working together to create various types of furniture.

Of course, their efforts will be rewarded accordingly, and the rewards are twice as high as the normal salary, which makes them work more enthusiastically.

But even so, the surrounding wood is still in short supply, after all, there is so much wood needed.

Therefore, in recent times, the Ministry of Works has been continuously transporting various types of wood from other places by carriage, horse, and boat.

Taking advantage of this rare opportunity, those businessmen who make a living from this have made a lot of money in recent times and are grinning from ear to ear.

The people who entered the city were a little surprised at first, but after listening to the explanation of the official in charge of supervision nearby, they were no longer so surprised.

Then everyone continued to walk into the city.

It is also worth mentioning that the entire new city is made of cement from the inside out, even the roads under people's feet.

However, because it is paved with cement, the ground underfoot is extremely flat and solid, even smoother than the roads in the capital.

Then, when everyone was completely in this city built of cement, a strange feeling suddenly arose.

Because everything around them is different from what they know.

Just imagine, if a person who has lived in ancient times since childhood and has never seen such novel things suddenly walks into a city built of cement, what kind of shock would that be?
Their eyes wandered around the city, full of shock and amazement.

Standing in this city and looking around, you can see the towering city walls not far away.

The city wall was like a winding dragon, lying across the ground, exuding a cold and majestic aura.

It is no exaggeration to say that this city wall instantly gave Cao Bianjiao and others an extra sense of security.

After all, when they were in Liaodong, their families lived under the shadow of war every day, and what they lacked most was a sense of security.

Now that they are at the feet of the emperor and protected by such tall and solid city walls, the sense of security suddenly fills their hearts like a tide, making them feel at ease.

"Everyone, what do you think of this city?"

Suddenly at this moment, Zhu Cilang turned around abruptly, then looked at the people in front of him and asked with a smile.

Cao Bianjiao was the first to react, and quickly said in amazement:

"Your Highness, the cement you invented is truly a treasure! In such a short time, you managed to build two cities like this. I am truly in awe of you!"

Then other Guanning Iron Cavalry generals also echoed.

"Your Highness the Crown Prince is truly a god. I have never seen anything so miraculous before!"

"Such a tall city is practically indestructible!"

When they said this, all the generals of the Guanning Iron Cavalry were smiling happily.

Because they know that this city is mainly used to accommodate their families. Living in such a city, their families will no longer have to worry in the future.

Their sense of security is at its maximum. How can they not be happy?
Faced with everyone's heartfelt joy, Zhu Cilang just smiled and didn't say anything else.

Then, everyone walked into an unfinished house.

The house was still filled with a faint smell of cement. The sunlight shone through the holes where doors and windows had not yet been installed, and sprinkled on the ground, forming patches of mottled light and shadow.

Initially, Zhu Cilang had a grander vision for the construction of houses in the new city. He wanted to build some high-rise residences, such as the skyscrapers of later generations.

But he didn't think of having a whole building of more than ten floors, so a whole building of five or six floors would be enough.

This way, we can save land and accommodate more people, which is really killing two birds with one stone!
But soon he was slapped awake by reality.

Because the craftsmen from the Ministry of Industry told him that even cement would not be enough to build such a high-rise building, and a large amount of steel would be necessary.

But in ancient times, smelting technology was extremely limited. Where could we get so much steel to build high-rise buildings?
If there is not enough steel, high-rise buildings will not be able to be stably supported and will be in danger of collapse at any time.

So Zhu Cilang had no choice but to give up this idea.

In the end, he followed the advice of the craftsmen from the Ministry of Works and built the city according to the existing housing layout in Beijing.

The most common one is the small courtyard where they are.

This is a small courtyard, a very common housing layout in Beijing. It is usually a small residence surrounded by houses on four or three sides, thus forming a regular courtyard.

This type of courtyard is generally composed of a back house, a main house, and side rooms on both sides, presenting a "mouth"-shaped layout.

If the yard is relatively narrow, half an ear room can be placed on each side of the main house to form a "four broken five" layout.

The area is not large, usually only about one acre.

This type of housing was mainly used to house ordinary soldiers.

But don't underestimate this kind of small courtyard. In today's Beijing, owning a small courtyard is already a very remarkable thing.

Judging from the market price, this small courtyard would cost at least more than eighty taels of silver, not including furniture.

If you bring the furniture, it will probably cost over a hundred taels of silver!
This is almost equivalent to two or three years' military pay for the Guanning Iron Cavalry.

Such a high price is undoubtedly an astronomical figure for ordinary people.

Apart from the small courtyard at the entrance, the rest are quadrangles and some more spacious houses.

Most of these houses were prepared for military officers. After all, their prices started at two or three hundred taels of silver, which was simply beyond the reach of ordinary soldiers.

This new city has more than 10,000 houses of various sizes, from which you can probably imagine how big this new city is.

Then, everyone looked at the surrounding buildings and couldn't help but marvel at them.

Suddenly at this moment, Cao Bianjiao suddenly thought of an important issue, and his expression instantly became serious.

But he was too embarrassed to ask Zhu Cilang this question, so his expression began to look a little unnatural.

At this moment, Zhu Cilang happened to turn around and caught a glimpse of Cao Bianjiao's strange expression. He then asked curiously:
"What's wrong with you? Do you have something to say?"

When Cao Bianjiao heard this, he came back to his senses instantly and waved his hand and said:

"Your Highness, I have nothing to say."

Zhu Cilang looked at Cao Bianjiao speechlessly, then said:

"If you have anything to say, it's best to say it now. If you don't say it now, I won't bother to talk to you later."

After hearing this, Cao Bianjiao hesitated for a moment before mustering up the courage to speak:
"Your Highness, I just thought of something very important. These houses are quite expensive to build. May I ask, Your Highness, how do you plan to accommodate the families of the Guanning Iron Cavalry?"

In fact, Cao Bianjiao originally wanted to ask whether these houses were to be given to them or sold to them, but he really couldn't bring himself to say it, so he could only use a euphemism.

But Zhu Cilang is a man of many thoughts, how could he not see what Cao Bianjiao is thinking?
So after a moment of hesitation, Zhu Cilang said calmly:
"Actually, that's not the question you want to ask. What you want to ask is whether these houses are going to be given to you or sold to you, right?"

Cao Bianjiao looked embarrassed, as if he didn't expect Zhu Cilang to see through his true thoughts at a glance.

But then, Cao Bianjiao nodded.

"Your Highness the Crown Prince is wise and enlightened. This is exactly what I mean!"

Zhu Cilang nodded, and then continued:

"To be honest, I have thought about giving it to you directly. You are all loyal ministers and generals of the Ming Dynasty. Giving you a house is only natural."

"But you also know that the court spent a huge amount of manpower and material resources to build this new city."

"And the troops stationed around the capital aren't just you. There are also the Beijing Battalion and the White Spear Soldiers."

"If I just give these houses to you, what will they think? They might become dissatisfied and start a mutiny."

When Cao Bianjiao heard this, his face turned pale instantly and beads of sweat appeared on his forehead.

Because he knew very well that what Zhu Cilang said was right!

You must know that in the past, the treatment of the Guanning Iron Cavalry was higher than that of ordinary Beijing Camp soldiers, which had already made some Beijing Camp soldiers dissatisfied.

If each of the 10,000 people were given a house, those soldiers from the Beijing camp would explode on the spot!
As a person in a higher position, the most taboo thing is injustice!

Thinking of this, Cao Bianjiao couldn't help but feel a little scared and regretted what he had just said.

But Zhu Cilang didn't seem to care, and continued:

"So I thought of two ways to solve this problem."

"The first method is leasing. That means the court will rent the house to you and only charge a small amount of rent every month."

"But you can rest assured that the monthly rent will not be more than one-tenth of your income."

"The second option is to buy. If you don't want to rent, you can also buy it."

"If you don't have enough silver, that's fine, because the court can lend it to you without any interest."

Forehead.
As soon as these words were spoken, Cao Bianjiao and others were stunned. They seemed to have not expected that Zhu Cilang would actually say such a thing.

But Zhu Cilang was too lazy to explain and continued:
"The whole process is very simple. Soldiers who need to buy a house write a note and then send it to the Ming Royal Bank."

"Once the Ming Royal Bank approves the application, we will lend the soldiers money to buy houses."

"And we won't charge you any interest, you only need to repay the principal."

That’s right, what Zhu Cilang was talking about at this moment was the mortgage in later generations!
What should soldiers do if they don’t have money to buy a house?
It's ok!
Find the Ming Royal Bank!
The Ming Royal Bank will approve your mortgage, and it is a truly zero-interest mortgage.

As for why Zhu Cilang did this, it was of course to better win over people's hearts!
After all, he also understood that the feeling of living in a rented house and a bought house are completely different.

Renting a house means you don't have absolute control over the house and may be evicted for some reason.

But if you buy a house, this kind of thing will never happen!
(End of this chapter)