I'm playing tricks in Daqin

"How much do you save?"

"Sichuan money, can I save it?"

Old man Wang asked with some embarrassment.

In the eyes of the nobles, the money is not considered money at all. It is the savings of the old man Wang all his life. He wants to rebuild the house before he dies, so that he can have face to see his ancestors after death.

Keeping four pennies of money at home is always necessary to guard against thieves. Hearing that the Royal Bank can deposit a penny, old man Wang wanted to try his luck.

The old eunuch knew that it was not easy for the poor to make money, so he didn't think it was a small business, so he immediately brought old man Wang the best tea he had ever had in his life, and began to talk with him in detail.

"What's it like working here?"

Hearing the emperor's question, another old eunuch who was welcoming guests almost burst into tears.

"Your Majesty is truly a benevolent monarch like no other in history. Your Majesty is the only one who thinks about us useless slaves. If it weren't for your kindness to let us stay in the Royal Bank, the old slave would have starved to death."

"Are you still used to staying?"

"Habits, habits, the shopkeepers are all good to us, we are well fed and warmly dressed, and no one bullies us..."

Hearing that this guy dared to talk nonsense, Liu Gonggong, the head of the inner court, couldn't help it, "Slave, tell me clearly, who bullied you in the palace!"

"It's a slave who made a slip of the tongue, no one bullied him."

Li Wei smiled and said: "Haha, little six, put away your pretensions of being in charge of the eunuch, they are all out of the palace, and now it is out of your control."

"Your Majesty, even if this old slave leaves the palace, he is still your slave. I will definitely help His Majesty keep the Royal Bank to death."

The three master and servant were talking and laughing, but Lin Qianru who was sitting opposite couldn't bear it and walked over.

Li Wei naturally saw Lin Qianru who came to steal his teacher, but at this time, whoever speaks first will be at a disadvantage.

"Your Majesty is really smart. The sawtooth is made around the silver dollar, which prevents the silver dollar from being cut. Now we have opened an account with one penny. There is no charge for depositing money and interest will be returned. The business in Chang'an City may be taken away by the Royal Bank. .”

"Your Majesty is the Son of Heaven, so of course you ordinary people cannot compare."

The sixth father-in-law said with a proud face.

Lin Qianru was just being polite at first, but she didn't expect the dead eunuch to take it seriously. She snorted coldly and said, "So what about being smart? The way of business is not the way of casting silver coins. The Royal Bank can do this, and our banks can learn from it. Now there is only one Royal Bank in the city, but there are more than 500 bank accounts and branch offices in total.”

"Is there any reason for this? Do you dare to follow the emperor's idea?"

"In business and business, no matter how powerful the imperial court is, they can't force people to come to the Royal Bank to deposit money, right? Besides, the emperor's temper is not so small, right?"

Li Wei smiled and said: "If you want to learn, you can learn it, but I'm afraid you won't be able to learn it."

"How difficult is it? I've only been sitting here for half an hour, and I already figured it out."

At this moment, Old Man Wang came out from the back hall with a smile on his face. Li Wei left Lin Qianru directly and asked, "Master, did you deposit the money?"

Patting his own bag, Old Man Wang smiled and said, "I didn't save it, and I borrowed twelve silver dollars."

Lin Qianru did not expect the Royal Bank to get involved in the lending business so soon, and asked, "How much is the interest?"

"Interest... I don't know how to calculate it either. Anyway, for twelve silver dollars, the repayment is fifty cents a month, and the repayment is 11 years."

Lin Qianru is a master of mental calculations, she can calculate it with a blink of an eye, and exclaimed: "Borrow for 11 years, and the interest is only [-] Wen?"

"Isn't that right? By the way, my second son is a soldier. People say that the military family has a discount. I will be exempted from half of the interest. It will be fine for ten and a half years. It will cost an extra three hundred yuan. My house can be renovated 11 years earlier. House, if such a good thing didn’t happen to me, I wouldn’t believe it.”

"Old man, you should be illiterate, so you won't be afraid of being cheated after signing the contract?"

Lin Qianru originally wanted to say something strange, to cause trouble for Li Wei and Old Man Wang, but she didn't expect Old Man Wang's face to turn cold just after she finished speaking.

"You look so fair and clean, why don't you know anything about human affairs?"

"I don't understand personnel? I'm kind enough to remind you."

"If you can read, you should know what this place is. This is the Royal Bank, the bank of Long Live the Emperor. These days, whoever lies to me, the Emperor will not lie to me. The Emperor treats us well."

Joyfully cupped his hands to Li Wei, and gave Lin Qianru a big roll of his eyes, Old Man Wang left gracefully.

"Haha, okay, well said, I didn't expect my name to be so big, what is it called? Lin Qianru, you read a lot, do you have any idioms to describe my incomparable prestige among the people?"

"You are less proud. It is an eternal truth to borrow money to make a profit with interest. With such a low interest rate, can you support so many people in the Royal Bank? With the money borrowed, you can make more money from doing business with people than borrowing money." , You are still so happy even after losing money, is this the royal demeanor?"

Li Wei, who was in a good mood, became more patient and said with a smile, "This is the biggest difference between Royal Bank and Qianzhuang."

"What do you mean?"

"The bank is private, and the consideration is naturally how much money it can earn. The Royal Bank is mine, and the consideration is how to make Daqin's economy prosperous."

"Borrow money to prosper?"

Lin Qianru asked with a puzzled look.

"Take old man Wang as an example. He needs money, and I lend him low interest. It is indeed a loss-making business. But if he wants to renovate the house, he needs to buy bricks, tiles and wood, hire workers to work, and buy new furniture. Merchants who sell bricks, tiles and wood furniture can make profits, and the court can collect taxes.

Workers and traders earn nothing from one old man Wang, but what about ten or fifty old men Wang?

When they make money, they will think about spending it, and other merchants and workers will also benefit from it. They will also spend money. My way is to use loans to promote the economy, the economy will circulate, the people will be rich, and the court will be able to Collect taxes and the country will be strong.

The capital of the Royal Bank comes from private deposits, and the capital paid is only deposit interest. Even if it loses all, compared with the economic prosperity, the imperial court still makes a lot of money. "

Lin Qianru is indeed a business genius. Although Li Wei's set of economic theories from later generations cannot be fully understood, he still understands the general idea.

But the more I understand, the more powerless I feel.

If the bank wants to make money, it is impossible to adjust the interest rate to be very low, but the purpose of the Royal Bank is to promote the economy, even if it is an interest-free loan, how can the bank compete with the Royal Bank in the field of hospitality? "So what? Old man Wang is only a minority. The common people will not borrow money even if you don't ask for interest unless it is absolutely necessary!"

Today is not the future, people don't have the concept of advanced consumption at all, the feeling of owing money is very uncomfortable.

"They will borrow, even if the interest rate is as high as your bank, they will also borrow, and they will only borrow from the Royal Bank."

Lin Qianru didn't answer, but a cold snort was enough to show her disdain.

Li Wei didn't waste much time, and directly invited her for a day trip to Chang'an, speaking with facts.

Sitting in the large carriage, Lin Qianru had been thinking about how to imitate the business model of the Royal Bank, until Li Wei reminded her that she had reached her destination.

As soon as she got out of the car, Lin Qianru was shocked by the sight in front of her. Hundreds of workers were busy on a large construction site.

"It's so grand, is this a practice palace for His Majesty?"

"No, this is the residential area I planned."

"Residential area?"

Lin Qianru had a question mark on her forehead about this new and unheard of term.

Chapter 594 I'm Not Here

Li Wei opened his arms and said domineeringly: "To put it simply, this large piece of land will be converted into a two-story building. The upper and lower floors can accommodate people, and it is estimated to accommodate 10 people."

Although there is no reinforced concrete, it is not impossible to build multiple layers with the construction technology of this era.

However, in the feudal era, the issue of overreach must be considered. The majesty of the imperial power must not be desecrated. After wrangling with the cabinet for a day, it was finally determined that the maximum building could only be two floors.

"Haha, the cattle in Chang'an will be blown up to the sky by His Majesty. This area is not small, and it can accommodate 2 people is the limit."

"Don't believe me? Do you want to make a bet?"

Lin Qianru just wanted to accept, but she swallowed the words again. People who bet with Li Wei have never won, even if she didn't believe it at all, she would not dare to make this bet.

Li Wei was a little disappointed that Lin Qianru didn't fall for the trick, and ordered the sixth father-in-law to go to the carriage to get the blueprints.

"Take a good look. This is the design drawing. The completed residential area is exactly what it looks like on the drawing."

Li Wei loves this era when there is no awareness of environmental protection. The real estate does not need to consider the green area at all. All the two-storey residential buildings are built side by side, all along the street, and there is no yard at all.

The street between two rows of residential buildings is also narrowed as much as possible, the purpose is to use all available space to build the most houses.

If it weren't for people in this era who think that dead people live underground, Li Wei would like to build basements and put more people in.

The only thing that makes Li Wei dissatisfied is that people can't accept the lifestyle of eating and drinking, and indoor toilets cannot be repaired. Li Wei can only reluctantly set aside some places to repair public toilets.

When designing the interior, Li Wei also imitated the Tongzilou of the later generations. One room is one household, which maximizes the utilization rate of the area. Anyway, there are no kinds of home appliances now, and people’s endurance is much stronger than that of later generations. The house does not need to be too big.

Looking at the blueprint in her hand, Lin Qianru had to admit that this place can indeed accommodate 10 people. If these 10 people are ordinary people in the city, they can still live happily, at least better than those "villages in the city" in Chang'an City.

The living conditions of the people are better.

"You want to sell it to the common people?"

"No one wants this kind of house if you give it away for free in other places, but this is Chang'an. It's not easy to live in Chang'an. Even officials from other places can only rent a house and can't afford it. Buying a house is very difficult for ordinary people. It can only be a distant dream.

But it’s different now. Although these houses are crowded, the price is cheap. It doesn’t matter if you don’t have any money. As long as you pay the down payment, the rest can be borrowed from the Royal Bank. The purchased house is used as a guarantee, and the installment payment will be made. Lower interest rates as much as possible to reduce the burden on the people. "

This is the first time Lin Qianru has heard of buying a house with a loan, but she knows that this method is absolutely feasible.

"How much is the price?"

"Twenty silver dollars for a house."

"How many!"

Hearing Lin Qianru's scream as if someone had stepped on her tail, Li Wei picked his ear, "Twenty silver dollars, equivalent to ten taels of silver, is it too expensive?"

"Expensive? This is Chang'an! Ten taels of silver is a house, what are you kidding!"

"Do you think I'm joking? Most of the workers who build the house are prisoners in prisons. Letting them reform through labor can be considered as a contribution to society. They can still burn bricks and chisel stones. Twenty silver dollars is still a profit of five silver dollars." .”

Lin Qianru couldn't help sighing, "No wonder the people say that you love the people like a son, and you are the most benevolent king in the ages. You build a house here, which is a blessing to the people of Chang'an."

"I am a benevolent monarch, not a foolish one. The court is eager to spend money everywhere. The real estate profits are so huge, and there are so many wealthy households in Chang'an City. Naturally, I will not let you go. Take a look at this design again."

When you open it, you can see that it is quite different from the civilian residential area. The mansions are neat and orderly, and the roadsides are lined with trees. There are also special drainage ditches, and the ground is paved with blue bricks.

"A mansion, I plan to sell 20 taels."

For Li Wei's weird thinking, Lin Qianru was completely convinced. The price of cheap houses can be so low that it is unbelievable, and the price of luxury houses can be outrageously high.

"Even if you are the emperor, you can't force a wealthy businessman to buy a sky-high price house, can you?"

"Of course not. After the high-end residences are repaired, I will give houses to the cabinet ministers and let them all live in them. The neighbor of the old man, 20 taels, is it expensive?"

"It's not expensive, it seems to be cheaper."

This era attaches great importance to family affection, fellowship, and neighborly relations. No matter how much money is given to the world's most wealthy businessman, the elders in the cabinet will not take care of them. I want to shoot the housekeeper to celebrate his birthday.

If you are a neighbor, you have a reason to walk around with Ge Laofu. If you buy such an opportunity for 20 taels, no businessman in the world will not be tempted. Lin Qianru even wants to book a house in advance for Heshengchang.

"When you say that, I also think it's cheap. Why don't you auction it off? It's not impossible for the last house to sell for 60 taels. Why are you looking at me like this?"

Li Wei said.

"I'm just curious, curious about how your brain grows?"

Lin Qianru said.

As a genius in the financial world, Lin Qianru has a very strong arrogance. Before Li Wei won by playing a rogue, Lin Qianru was full of contempt. She used imperial power to suppress Lin Qianru. up.

Low-cost housing can not only make money, but also solve the living problems of the common people in Chang'an.

As for the construction of mansions, they will directly harvest the top rich people in Chang'an City and make leeks, but the rich people don't have the slightest resentment. Instead, they will be grateful to Li Wei for giving them a chance to get in touch with the political core of Daqin. In terms of realm, even if Tao Zhugong was resurrected, it would not be as good.

After the worship, Lin Qianru only had deep worries in her heart.

"Your Majesty, are you really not going to leave Qian Zhuang with a way out?"

Lin Qianru asked.

At first, Lin Qianru fantasized that the bank would imitate the Royal Bank's business model, and eventually join forces to defeat the Royal Bank. But after learning about Li Wei's housing construction plan, Lin Qianru knew that all the banks in Chang'an were tied together and were not the match of the Royal Bank.

Only the emperor Li Wei could wantonly occupy the house in Chang'an City. Even if the bank bribed the chief minister of the cabinet, there was no way to buy a large piece of land together without the emperor's consent.

Not to mention that only the Royal Bank of the world is willing to sacrifice profits to provide low-interest loans to improve people's livelihood.

People in this era are still very good at repaying their kindness. Anyone who has been favored by Li Weiren, or even admires Li Weiren, will only deposit money in the Royal Bank.

If Li Wei didn't move, he would have defeated the bank in the three main businesses of deposits, exchange, and lending as soon as he made a move.

"I'm not a tyrant. As long as you abide by the law, how can I not let you survive? As long as the banks join the Royal Bank and are under the supervision of the Royal Bank, the two parties can cooperate, and the Royal Bank can even give up part of their business Every bank will do it.”

Li Wei said.

Li Wei wants to turn the Royal Bank into the People's Bank of later generations, but in Lin Qianru's understanding, this is the Royal Bank's annexation of all banks.

"This is impossible."

Lin Qianru said in shock.

"Let's just wait and see. Now the bank still has confidence. When it's time for life and death, they will understand the situation and will agree."

Li Wei said confidently.