Northern Song Dynasty Justice

Chapter 47 The Root of All Evil

Bianjing housing prices?
Doesn't that mean lending?

Zhang Fei's thinking was jumping a little fast, even Ma Tianhao couldn't keep up, and he was a little confused: "Bianjing's housing prices are notoriously high, I don't know why you ask this?"

Without answering, Zhang Fei asked instead: "Why is the house price in Bianjing so high?"

Ma Tianhao said: "There are few people in this place, so naturally it will be high."

"exactly."

Zhang Fei nodded with a smile, and said: "Even the outsiders think that Bianjing's house price is very high. It is conceivable how many people can afford it. However, if no one cares, the price will naturally not go up. It can be seen that There are also quite a few people who bought it, this is because all the wealthy people in Song Dynasty live in Bianjing.”

Before Zhang Fei finished speaking, Ma Tianhao suddenly asked: "You mean, let me lend money to people who buy houses?"

As expected of an old Jianghu, my reaction is fast, and I won't let me pretend to be forced for a second.Zhang Fei smiled and nodded: "Exactly."

The demand is high and the price is high. Isn't this the natural soil for lending?
"Ha ha.!"

Ma Tianhao looked up and laughed.

The laughter was full of sarcasm.

"Ha ha!"

Zhang Fei also laughed.

When he smiled, Ma Tianhao immediately stopped smiling and asked, "What are you laughing at?"

Zhang Fei asked back, "What are you laughing at?"

Ma Tianhao immediately showed disdain, and snorted, "I'm laughing at you for not being able to control yourself, it's a fantasy. I need you to teach me this? Do you know how high the house price in Bianjing is? Not to mention whether you can borrow such a If you have a lot of money, even if you can borrow it, who would dare to borrow it?"

The house price in Bianjing is tens of thousands of guan, who can afford it!

Zhang Fei raised his mouth and said: "I thought that as a senior member of the group, and with a background as an instructor, his views would be different from others, but I never thought that it would be superficial!"

This kid doesn't think he's a lawsuit, does he?When begging for help, the words are still so stinging.Ma Tianhao had already seen that Zhang Fei wanted something, but the boy's tone made him very unhappy, he waved his hands and said, "Okay, okay, just treat me as superficial, then you kid, talk about it, what is sophistication?"

Zhang Fei replied: "If everyone is already doing this business, it's like lending money to those poor farmers. Then what should I say to the staff? Isn't this a waste of everyone's time? If you want to say something, no one will say it." The business you do is profitable.

As for the questions raised by non-members, they are actually easy to solve.The first is the risk. If I were to help the outsider to sign the contract, there would be almost no risk. "

Ma Tianhao was surprised: "What did you say, there is no risk?"

"Almost none." Zhang Fei corrected.

Ma Tianhao asked: "Why is there almost no law?"

Zhang Fei said with a smile: "Lending money to buy a house is definitely a lot of money, so what is the collateral? Of course it is the house!"

"No! No!"

Ma Tianhao shook his head and said, "I borrow money to buy a house, and then use the house as collateral, so what am I going to do? I might as well buy it myself, and the other party will pay two months' interest. If you don't want to live, just don't want the house."

Zhang Fei said with a smile: "Don't worry, I haven't finished yet. Lending money to buy a house doesn't mean you have to borrow the full amount. You can borrow two-thirds, and the other party will pay one-third, or you can borrow one-third." One, in this way, if the other party can't pay back, the staff will deduct the house, which is equivalent to getting one-third of the rent for nothing, and based on the house price in Bianjing, one-third is quite a lot!"

Ma Tianhao nodded slightly. This idea is not bad, but it is useless alone. He glanced at Zhang Fei and saw that the kid was planning a strategy. Look for relatives and friends to borrow, after all, the interest we give is too high, such a large amount, it may be difficult for senior officials in the court to pay the interest."

Since this one-third is not a lot, how low can the interest on the remaining two-thirds be?

Zhang Fei said: "As I said before, your method is simple and rude, and it is very easy to get involved in a lawsuit. Although you have made money, your reputation is bad. Therefore, you need to change your method."

Ma Tianhao asked, "What way?"

Zhang Fei replied: "If Yuanwai lends an ordinary person ten thousand dollars, calculated at the current most popular multiplier rate, the profit is only ten thousand dollars a year. If he lends an official ten thousand dollars to buy a house, even if the monthly interest is one Counting points, but there is also a profit of one hundred!
In addition, there is the length of time.How those people were forced to death was because the time was too short, but if the time was stretched to ten years, the situation would be quite different. "

"One cent interest? Ten years?"

Ma Tianhao almost didn't pop his eyes out, he must be a psychopath, angrily and funnyly said: "Are you teasing me here as a three-year-old child, borrowing ten thousand guan and borrowing one guan, can this be the same thing?"

Zhang Fei still had a calm and calm smile on his face, "I'm definitely not trying to change ideas secretly, this is a way to make money. Yuanwai's business is lending and trading, so coins are the goods of Yuanwai. I wonder if I'm right?"

Ma Tianhao nodded.

Zhang Fei went on to say: "Businessmen are the most taboo to hoard goods, but I can guarantee that outsiders only take out [-]% of the coins for lending, and the remaining [-]% are stored in the money bank to become moldy."

Ma Tianhao snorted, "What's wrong with that? It's less risky."

It is tantamount to admitting in disguise that in fact there is not so much. This is all caused by the gap between the rich and the poor. For ordinary people, ten pennies is already a lot, but for wealthy businessmen like them, it is really a drop in the bucket. Come to borrow money There are quite a few people, but the sum of the borrowed amounts is only that much.

Zhang Fei said: "The method I used before did take a long time and the interest rate was low, but I can guarantee that all the money from Yuanwai will be borrowed soon. Before that, only [-]% of Yuanwai's coins were generating interest, and it was extremely unstable. Now All the money is generating interest, and it is extremely stable. Calculated in this way, the income is obviously much higher than the former."

Ma Tianhao said: "Extremely stable? Why do you say that. If you borrow a lot, the risk is naturally high. If you are not careful, you may lose everything."

"There is almost no risk for the staff to forget what I just said."

"It's hard to guarantee just relying on the house mortgage."

Ma Tianhao said rather cryptically: "You can borrow tens of thousands of guan, you don't need to think about it, you know that you are either rich or expensive, how can I provoke him!"

Zhang Fei smiled and said: "This requires me, a person who is proficient in the law. I can help Yuanwai and the court to reach an agreement. As long as the contract for buying a house with debt drawn up by me is signed, then as long as the other party defaults, the government will not accept it." If it is necessary to open the court, the house will be directly sentenced to return to the outsider, or the house will be taken to the prison and returned to the outsider in exchange for coins, so as to ensure that the outsider gets a lot of profit."

"You have this ability?" Ma Tianhao asked in surprise.

Zhang Fei said angrily, "This is the only thing I can do."

Ma Tianhao was taken aback, and suddenly realized that, as Zhang Fei said before, Zhang Fei’s purpose was to help him avoid lawsuits. This is a legal issue. If it is done, it can indeed avoid lawsuits.

But can Zhang Fei really do it?
Ma Tianhao expressed doubts about this, "You have misunderstood, I am not referring to your means, but now the imperial court is full of hostility towards you, how can you do it."

Zhang Fei said: "I don't need to worry about this, I have my own way, and I will get the approval of the current emperor."

Is it that great?Ma Tianhao didn't quite believe it. He frowned and thought for a while, then shook his head and said, "You sound very nice, but in my opinion, the risk is still too great. Even if you can do it, who can guarantee it? After I lend the money, the imperial court will not go back on it?"

Zhang Fei was silent for a while, and said: "Dare to ask Yuanwai, can you guarantee that the court will not find a reason to confiscate Yuanwai's property tomorrow?"

Ma Tianhao frowned and remained silent.

Zhang Fei continued: "Nowadays, the only thing that can protect Yuanwai is the law. If Yuanwai himself doesn't believe in the law, who can protect Yuanwai's property from being embezzled?

Secondly, I think that with the current wealth of the members, if you still blindly pursue wealth, you will put the cart before the horse and bring about your own destruction.Wealth without the blessing of power belongs to others.

Yuanwai should think of ways to improve his status, increase his influence, and even get his hands on power. Coupled with the law, Yuanwai can be guaranteed to have no worries. "

Ma Tianhao frowned, and suddenly raised his hand to fish the table, but found nothing, and couldn't help cursing: "Why hasn't that kid bought the wine yet?"

Zhang Fei really wanted to light a cigarette for him to ease his nervousness, but it was a pity that there was fire but no smoke, and said with a smile: "Don't be nervous, a gentleman loves money, and you can get it in a proper way. I'm not trying to instigate you to do illegal things. "

Ma Tianhao glanced at him, and said with a smile: "I have heard that you are not afraid of death, but seeing you today, it is really better to meet you than to be famous!"

Zhang Fei said with a smile: "Everything I do is aboveboard, I even dare to sit in front of the Kaifeng mansion and talk about it with the outsiders."

Ma Tianhao smiled and nodded, "Then you can talk about your integrity."

"Low interest rate."

"Low rate?"

"Correct!"

Zhang Fei said with a smile: "The members of the staff should also know that in the past 30 years, the imperial court has had a lot of dissatisfaction with private lending, and even this dissatisfaction has reached the moment of blowout. Many key ministers believe that if this continues, it will endanger the stability of the country. , it can be seen that this is already very serious.

If Yuanwai offered a surprisingly low interest rate at this time, although it only involved mortgages, one can imagine how much impact this would have on the entire industry.

At that time, Yuanwai will become a banner and will be supported by many virtuous officials in the court. This is the business model they want.So whoever wants to move to this banner in the future is tantamount to saying that the imperial court is more eager for the people to raise interest.

And this kind of scruples will make the staff worry-free. "

Ma Tianhao's eyes flickered, he pondered for a while, and suddenly said: "All the officials owe me money, it may not be a good thing!"

Zhang Fei laughed and said: "Officials owe money to Yuanwai, which proves that officials recognize Yuanwai's interest. Every year, officials want to buy a house. If Yuanwai has any mistakes, ask who will lend them money and weigh the pros and cons. They will not be stupid. It’s all right. And I will also provide support to non-members from the law.”

Ma Tianhao looked directly at Zhang Fei for a while, then suddenly nodded with a smile and said, "As expected of Er Bi, he is really eloquent, but I have one last question."

Zhang Fei laughed and said, "Where can I get the money?"

Ma Tianhao laughed: "It seems that you have indeed made enough preparations. Not bad! Although I have some money, if I spend all of it to buy a house, it will be a drop in the bucket."

(End of this chapter)