Back To The Beginning Of Ming To Do Charity

Spring is coming and autumn is coming, leaves are falling, treetops are full of fruits, and the golden autumn is worthy of the name.

The farmers are harvesting in autumn, and the fruit farmers are picking. When the farming is busy, the students in the school are on vacation and have to go home to help harvest. The white complexion in the school quickly turned back to wheat color, and the sweat spilled into the fields. The harvest is the reliance of a family's life for the next year.

There are peeled pears on Lin Yuan's table. The local pears have blue skin and are about the size of a young man's fist. The flesh is a bit rough, but the juice is rich. Because of the sufficient sunshine, it is rare sweet.

In the past, almost no one grew fruit. This thing is different from crops. It can’t fill your stomach. Only rich people can buy it, and poor people can’t afford it.

The cooperative planting promoted by Lin Yuan last year has achieved results. The fruits are on the market, and the common people are willing to buy some and try them at home.

When people's purchasing power becomes stronger, the economic market will become stronger and stronger.

The most notable change is the rise in house prices.

Especially the housing prices in Gaoyou.

In the past, you could buy a house with three entrances and exits for a few dozen taels of silver, but now it costs hundreds of taels, and there is no market for it.

Many people are willing to pay, but few people sell houses.

If it is built outside the city, the price will naturally be much lower, but no one is willing to buy houses outside the city except refugees.

Lin Yuan still remembered that in his previous life, when he attended a meeting with the boss, he heard a high-level person talking about the house price.

Housing prices are the foundation, the cornerstone and fortress of the social economy, and the last barrier.

Once housing prices collapse, it means that the economic loss has reached an irreparable level, just like the economic bubble in Japan in the last century.

Therefore, no matter how high or outrageous the house price is, as long as it is still within the controllable range, even if there are economic problems, the house price will never drop.

On the day it really falls, the economy will collapse.

The rise in housing prices in Gaoyou is good news.

The bad news is that many ordinary people can no longer afford houses.

Most of them are refugees, and they don't have their own houses in Gaoyou. They finally saved some money, but they can only face the high housing prices dauntingly.

Lin Yuan found Zhou Fu and discussed the matter with him in detail.

"Loan" is a new concept, but it is not completely new, but ordinary people don't know it.

For businessmen, if the temporary turnover is unclear, they will write a contract, agreeing how long to repay and how much, and take away the goods first.

So when Lin Yuan mentioned it, Zhou Fu understood.

Zhou Fu was a little worried: "I'm afraid the common people will not agree."

For many people, incurring debts is a major issue, and they would rather save money than incur debts.

Lin Yuan: "It depends on Chairman Zhou."

Zhou Fu's head was as big as a bucket, and he cupped his hands and said, "My lord entrusts me, I will never refuse."

But Zhou Fu still has doubts: "My lord, the people can live by farming, and they may not be able to leave their hometown in their whole life, so why bother..."

Lin Yuan looked at him as if looking at a small group of people in this era.

But it is this small group of people who decide the life and destiny of the common people.

Although Zhou Fu is a businessman, not an official, his thinking is close to this part.

They all feel that the common people are illiterate, and they are busy every day just to fill their stomachs. It is enough for the common people to have clothes and food, but if they are given too much, they will become rebellious instead.

In the eyes of this group of people, common people are animals, and they have no value to society. As long as they honestly focus on the one-acre land in front of them, marry when they should marry, and have children when they should have children, they understand Too much, too much can be done, but it is not conducive to society.

Lin Yuan shook his head at Zhou Fu.

Zhou Fu was taken aback, and quickly confessed: "A lord is highly intelligent, but a villain can understand."

There are some words that cannot be explained clearly. Few people can understand even Lin Yuan's explanations with drums and gongs. Since the explanations are not clear, then they simply don't explain.

When the educated new generation gets up, they will naturally understand.

Lin Yuan helped Zhou Fu up, and said with a smile, "Then I will entrust it all to President Zhou."

The cold sweat on Zhou Fu's forehead came out, he nodded again and again, and couldn't help thinking in his heart: "Did Nan Bodhisattva have such aura before?"

He still remembered that when he saw Nan Bodhisattva for the first time, Nan Bodhisattva was just a kind-hearted young man in his eyes, with a generous manner and gentle manners. Since when did he have the current momentum?

Leaving the government office, Zhou Fu was walking on the road, he took out a silk handkerchief to wipe the sweat from his forehead.

The people on the street are bustling with people, the small vendors are full of smiles, and the children are screaming and playing.

Who would have thought that a few years ago, the people here were still hungry, and most of the children were sold, not to mention reading and writing?

The weather of the king...

Zhou Fu lowered his head, feeling that the luck of his life was determined by a big gamble a few years ago.

Abandoning the family business he had painstakingly managed in a different place, he came to Gaoyou alone. In order to reassure Lin Yuan, he brought his old parents, elder brother and his family members, as well as his own children—her wife was unwilling to leave her hometown, Please go back to her natal family, and he gave her a generous amount of money and food. If she remarries in the future, the money and food will be her dowry, and it will be considered as the fate of the husband and wife.

Then he married another wife in Gaoyou. She was the daughter of a small family, and they respected him as a guest. Although they were not affectionate, they still respected each other. Taking care of the old and the young, taking care of the inner house, he has only settled down since he became the president. His wife is pregnant with a child and is about to give birth in the near future.

As soon as Zhou Fu went back, he found his old servant.

The two talked in secret all night, and the old servant left after the sky turned white.

The old servant's surname is Wang, and everyone calls him Uncle Wang. Uncle Wang is a hardworking man, quick in his hands and feet, and looks honest, but he is actually not very shrewd. He left Zhou's house with his family the next day, and knocked at the door of Zhou's house. He turned his head a few times, but it attracted the attention of passers-by.

After all, in the eyes of ordinary people, being a servant of a wealthy family must lead a better life than people outside.

Uncle Wang was standing on the street, weeping profusely, and someone came to ask him at this moment.

"Second Uncle Wang, what did you do wrong?"

Second Uncle Wang shook his head: "It was my boss who treated me well. Seeing that I was old, they released me as a free citizen."

The man asked again: "Leaving Zhou's house, do you have a place to live?"

Second Uncle Wang shook his head again: "The house price in Gaoyou is too high."

The common people agreed in unison:

"It's too high! If it weren't for the ancestral house, my family would definitely have no house to live in."

"I don't know when it will come down."

"Wang Er came from Zhou Mansion, so he must have savings, unlike us."

Second Uncle Wang sighed, raised his sleeves and wiped his tears: "The master treats me very affectionately, but my son married a wife, and all the savings of these years have been put into it."

"That's really..."

"It's better to rent it, at least there is a place to live."

People watched Second Uncle Wang disappear into the street with his family.

After a few days, there were new topics of conversation in the streets and alleys. People were talking about the house that Wang Er had just bought.

"Where is the blue brick!" They were very envious, "There is also a big yard, and there is a garden behind the yard."

"How much silver is this?"

"There must be a hundred taels! That piece of land is very expensive!"

"Didn't Wang Er say that he has no money?"

"Listen to him, this scrawny camel is bigger than a horse, and he works as an errand in the Zhou Mansion, so he might think that a hundred taels is not enough to fit between his teeth."

"I often hear people say how rich Zhou Fu is, and now I really see it."

A few days later, the atmosphere changed again.

"Have you heard? It's Wang Er's big house, which was bought with a loan."

"Even a loan?"

"It is to borrow money from the imperial court and pay back some money every month."

"How strange, the court also lends money to the people."

"It is said that Nan Bodhisattva came up with this method when he saw that the common people could not afford houses."

"When Wang Er bought a house, he borrowed money from the imperial court. He collected 20 taels himself, and borrowed the other 80 taels from the imperial court. Then he will pay back 20 taels a month for [-] years. Most of it is the interest for the imperial court. "

"Then what if he refuses to pay back the debt?"

"If you don't return it within five months, the imperial court will take the house back and sell it again."

"This is a good idea, lest the rogues take advantage of it."

Although the common people talked about it and thought it was a miracle, none of them applied for a loan.

Fortunately, this was also expected by Lin Yuan. After the founding of New Huaguo, the concept of loans became familiar to the people. Spend tomorrow’s money and enjoy today’s life. That’s what I said, but there were not many people who dared to take out loans at that time. At most, big entrepreneurs or small businesses dare to do it, but ordinary people dare not.

People save money to buy a house and save half their lives.

As a result, housing prices have risen, money has depreciated, and I can't afford the house I originally wanted to buy with the money I saved for half my life.

Slowly, people began to accept loans.

This process took ten to twenty years.

Naturally, Lin Yuan didn't think that the common people would accept this concept very quickly.

Fortunately, Zhou Fu has his own way.

The common people find that there are more and more people around them who take out loans to buy houses.

The iron head who used to squeeze into a hut took out a loan and bought a house, including the main hall and the firewood room in the side room. Finally, the whole family no longer needs to sleep on the same kang.

There is also a sister-in-law who moved to Gaoyou from Taizhou and could only rent a house. Now she has also taken out a loan and bought a house.

It seems that there are suddenly more people buying houses!

Everyone has a house, but I don't have one.

What's more, those who have borrowed money don't think that they are living in distress. The whole family can work, buy a smaller house, and the location is not so good, only three or forty taels. If you borrow it from the imperial court, you will only pay back about a hundred cash a month.

As long as there are two people working in the family, the money will definitely be available.

Many people began to be moved.

But he didn't dare to borrow it at home, so he urged his friends and relatives to go with him.

So now there is a spectacle——

People who take out loans come in groups, often with hundreds of people.

It seems that there are more people, and they feel more at ease.

Zhou Fu breathed a sigh of relief.

He spent a lot of money to find those trustees!

My heart is bleeding!

But he was happy to bleed, and he couldn't stand it if someone else did it.

Pain and happiness.