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Chapter 123 Loan Qingtian with an interest rate of 500 yuan

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    Li Dandao put away these new copper coins. It is said that the longer the copper coins have been in circulation, the more spiritual they are in the prosperous times.

    For example, Little Five Emperors Money and the like.

    But in fact, the copper coins ordered by the founding emperor to be minted and not circulated in the world are the most powerful.

    "It's just that the circulation is sparse and it's extremely difficult to find extant ones, so we use inferior materials.

    In fact, not only copper coins, but also the so-called bricks from the Great Wall of Qin Dynasty or Epang Palace, and tiles from Han Dynasty are all very good raw materials for magical instruments.

    Even the beams of temples and ancestral halls are good materials for magical instruments.

    This money may not be of much use now, but in later generations, when the Li Dynasty fully flourished, that is, during the Zhenguan reign of Li Er, during the founding period of the dynasty, a small amount of copper coins minted will gain some rare founding spirit.  transport.

    Although rare, it is a very good material for practitioners. It is a kind of Xuanqi, or it can be said to be luck and good luck.

    Li Fucheng sighed: "I thought it was so generous that I didn't need to look for it, but it turned out that the money for the medicine was not enough."

    Li Dan said: "I think this man has hanging eyebrows and a furrowed nose. He should be a counselor or something like that. But his brow bones are not protruding and the distance between his eyes is not that festive. I guess he will die soon."

    "You're going to die soon?" Li Fucheng said, "Even if you don't give me enough money, you shouldn't curse others like this."

    "And, when did you learn to read faces?"

    "Looks come from the heart, and blessings come from oneself. I have obtained the heavenly official position, and my blessings come to my heart. Naturally, I can see some blessings and misfortunes."

    "Then you don't want to remind him?"

    ¡°This naturally has its destiny, and it¡¯s useless even if I remind you.¡±

    "Then how did he die?"

    "Judging from his appearance, Hongluan Palace is located at the base of the mountain. It should be a woman who caused the harm."

    "Then look at me!" Li Fucheng looked at Li Dan eagerly and said, "Choose something nice to say."

    Li Dandao couldn't tell, so he could only talk nonsense.

    "Dad, you are the life of your wife."

    "I've only heard about the fate of a prosperous husband, but why haven't I heard about the fate of a prosperous wife?" Li Fucheng was curious and saw Li Dandao snickering.

    Just stir-fried chestnuts with sugar!

    Li Dandao¡¯s head was buzzing again.

    No longer joking, I concocted pills for a while and planned to send them to Tian Wu tomorrow to try to learn more talismans and spells.

    Even if nothing happens, there have been no changes in the solar terms recently, and there is no wind-cold or wind-heat.  They only sold a few loose pills, and it was the business brought by Qin Yiping from the opposite side.

    It can be seen that the bad influence brought by that blackmailing Li Dan Taoist family almost extinguished all the flames of Li Dan Taoism becoming Sun Zhenren.

    Fortunately, Li Dandao helped solve the case, and the government will soon make a statement to clarify the case.

    At night, Li Dandao and Li Fucheng went back together.

    Li Qi Shi also came back with Li Baojing, and Li Qi Shi immediately announced that she would hold a small meeting.

    Li Baojing also nodded from the side.

    I saw Li Qi take out a piece of paper and write several names on it, all of whom were members of the Li family clan.

    "Your father and I discussed this together with the clan." Li Qi said.

    "Lao Zongzheng and the clan members do not agree with rashly planting medicinal materials, but if our family can contribute some money together with the clan to make a green loan and lend it to these families at low interest rates, and pay it back within three years,  Just agree to do this.¡±

    Li Dandao asked: "How much silver should be put in?"

    "The county government asked about it, and the standard for land release is one hundred and fifty yuan per acre for wasteland, five hundred yuan for bad land, eight hundred yuan for medium land, and one thousand five hundred yuan for upper land. And it must not be bad money.  It has to be official money.¡±

    "We help them to open up wasteland, but not only to open up wasteland, but also to take care of their lives, so we lend money to them, and they buy the land to get out of poverty, and then rely on growing medicinal materials to pay us the interest, pay off the debt, and repay the principal with interest.  After that, these fields will be completely theirs."

    "That means we are completely losing money, and the initial investment is huge. We might as well just buy the land and hire people to plant it!" Li Fucheng frowned.

    Li Baojing shook his head: "You can't say that. Our family's reputation is more valuable than money."

    Li Dandao also nodded: "This is indeed good, but these names, are these people who want to borrow money from us?"

    Making loans is risky, especially investing in these people is a kind of risky investment. If you lend money to them, you will not be grateful and you will be your enemy when you ask for money.

    "Zong Zheng, there are still a few clan elders who wish toThey are all loyal and honest people. For example, Li Guangyuan is a filial son. His family became poor because his parents got sick and died one after another. They couldn't live well due to medical treatment and funeral. They needed to borrow money temporarily.  Slowly.  "

    ¡°For example, this Li Chengguo, he gave birth to four boys in a row and couldn¡¯t afford to feed them. The food rations were not enough and he needed to borrow money.¡±

    Li Baojing said one by one: "Together, there are five of them, and the amount of money they borrowed is also different. The total amount is thirty thousand."

    "How much is the low interest rate?" Li Dandao asked.

    "The profit is five hundred."

    It means borrowing 10,000 yuan and paying back 10,500 yuan after one month.

    This is actually very high. With a monthly interest rate of 5%, it will cost you 16,000 yuan a year.

    However, private loans now generally carry double interest, which means repaying twice as much. If you lend out 10,000 yuan, you will get back 20,000 yuan.

    "Book of the Northern Qi" records that when the Northern Qi minister Lu Shuwu was in his hometown, he "had thousands of millets of millet." Every spring and summer, "the villagers who had no food were ordered to carry it themselves." In the autumn, everyone used the harvest to return it.  ".

    It shows that the general interest rate is doubled.

    So Li Baojing said the "interest rate of five hundred" was a low-interest loan.

    Li Dandao shook his head: "It's too high."

    "How much should it be?" Li Fucheng said in disbelief. How could anyone lend money and still think the interest rate is high?

    "Lower, as low as two points."

    A monthly interest rate of two cents is considered a high interest rate in modern times. The highest interest rate supported by modern law is an annual interest rate of 36%, which is a monthly interest rate of three cents.

    "Two cents? I'm afraid that if we borrow it out, our family will die." Li Fucheng sneered: "The biggest loan borrowers in Jingyang County are the Chen family, and some other big families. They basically repay the interest from 500 to 100 times the interest.  , you said two points can be two points?"

    Wang Anshi¡¯s reform in the Song Dynasty had such a thing. Low-interest loans touched the interests of aristocratic families and became an obstacle to the reform. After Wang Anshi¡¯s reform failed, the low-interest Qingmiao Loan was abolished.

    It is written in Zizhi Tongjian: "The poor must be from a wealthy family, and they will have the breath of double wealth."

    "À¾" refers to five times, and "the breath of twice the breath" refers to one to several times, especially "the breath of twice the name".

    It can be seen that a large source of income for feudal aristocrats is loan sharking. In fact, not only feudal aristocrats, but also Taoist temples and temples like to lend money.

    If Li Dandao breaks the rules, he may not see the sun tomorrow.

    "The profit of five hundred is already very low and cannot be lower." Li Baojing said.

    Li Dandao sighed secretly, with such rules, how can the people not suffer?  He could only nod his head: "Let the three hundred thousand dollars go out, I hope it will have some effect."

    Li Baojing said: "You kid made some extra money a few days ago, which was hard to do. Now you just have to spend it. Once you come back, the money will be washed clean. We still offer double interest to the outside world, and we will also tell them about this."  These are the people who took out the loans."

    "Um."

    Li Qi said: "So, our family agrees."

    "I agree!" Li Dandao raised his hand, Li Fucheng also raised his hand, and even Yaya also raised his hand in agreement.

    "Well, the money will be loaned out!" (Remember the website address: www.hlnovel.com
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