This steward is not actually a steward, just a bank loan officer. He is not from the Iron Wall Pass, he is from the Gyeonggi area. His family is just an ordinary family in the Gyeonggi area. However, he was lucky to have a relative at home who worked in the bank. He was recommended by relatives to work as a handyman in a bank.

With the passage of time, he slowly grew up, and in the bank because of his neat legs, lively eyelids, and sweet mouth, he was deeply liked by everyone. He was also eager to learn, and often learned from the stewards and clerks of these banks, and by the time he was eighteen years old, he actually learned a skill.

Passed the bank's recruitment exam and officially entered the bank. After entering the bank to work, he gave himself a big name, called Lu Fengcai. Later, because of his good performance, he was transferred to the northwest and followed the county lord to Tiebi Pass and became a loan officer.

Lu Fengcai smiled and said to Hu Bao: "The mountain forest plan for planting fruit trees you said is very good. However, it takes three years for fruit trees to bear fruit and be harvested. If you take out a loan for three years, you must be too nervous. It just so happens that we have a plan here, which was pushed up by the county lord. The loan program dedicated to agriculture and forestry has the characteristics of low interest rate, long loan term and installment repayment. I'll show you. ”

After speaking, Lu Feng went to find a notebook and came out, looked at it carefully, and said, "Your situation meets the terms above." You can borrow 1,000 taels of silver at a time, with no interest for the first three years, and repay the interest every month from the fourth year, for a total of six years. You can repay a portion of the principal every year, so that you have less interest each year. But. Starting from the fourth year, the interest will be repaid every month, and it will be repaid in double parts. Because I want to pay back the first three years. ”

This leopard understood. "If we can start to repay the interest in the fourth year and repay the principal after six years, then we don't have to use the family's income to repay the interest." In the fourth year, I calculated that the money from the sale of the fruit alone was enough to repay the interest, not to mention the bimonthly interest, even the principal could be repaid partially. This is good, just right for our family. ”

"That's it. I can also buy my mountain forest. Loans can also be borrowed. My sister doesn't need it, the monthly money is subsidized for the family, and she can save a dowry. The money saved by the family can also be used to build a house, and next year, even if the elder brother and sister are married, they can get married. ”

Lu Fengcai said: "This loan is so good. However, two conditions are required. First, it must be reputable. Because there is no interest for the first three years. If you have a bad reputation, you won't pay it back after three years, or you won't be able to find it. Didn't our bank lose money? Also, the second is that you also need a guarantor, preferably a guarantor with a higher income from working in the workshop. What kind of embroidery is your sister in Cuijin Building? ”

Hu Bao is a little worried, what if his family does not meet the conditions? Busy said: "My sister Hu Chun'er is now a first-class embroidery girl in Cuijin Building." ”

Lu Fengcai was taken aback and said, "When your sister came to guarantee last year, didn't she just enter Cuijin Building?" So soon to be a first-class embroiderer? Really capable. The first-class embroidery girl is enough for the condition. Your family also has a good reputation, and you already have two loan records, each time paying interest on time and each time making early repayments. ”

The leopard was immediately pleased.

Lu Fengcai said: "You go back and discuss with your family, if you are willing to come to take out a loan, come to me directly." Bring your sister to vouch for it. ”

Hu Bao thanked him again and again, and went home happily.

When I got home, the family hadn't come back yet, and my brother and father were cleaning up the yard. After waiting for a while, Hu Pozi and Hu Chun'er came back, and after a while, the three younger siblings who went to school also came back.

The family had a meal. Hu Bao couldn't wait to tell the news he got from Lu Fengcai.

Hu Pozi paused for a while and said: "If there is such a good thing, I don't need to use Chun'er's monthly money to buy the mountains and forests, I am also willing." The fruit trees we worked so hard to plant as a family were reluctant to hand them to others. ”

Hu Laohan was also very happy and said: "In this way, I will calculate, and we will not have to pay interest for the first three years." The money earned by our family can be saved, and Chun'er's monthly money can be kept for the dowry. We cut wood, sell wood, and Chun'er Niang's monthly money in Cuijin Building is saved, anyway, the grain we beat this year is enough to eat. We save money and keep all the money so that we will have enough to build a house next year. If Chun'er marries next year and gets married the year after, it just so happens that our house has been built, and we can also say goodbye to the boss and marry a daughter-in-law. ”

Mrs. Hu was overjoyed when she heard it.

Hu Laohan said: "In this way, after three years, as soon as our fruits are sold, the interest and part of the principal will be repaid, which is enough, and we still don't need the monthly money we earn every month." There is one more industry. After that, the second child said that the daughter-in-law could also go more smoothly. “

Mrs. Hu couldn't help but say, "That's good." Actually, I had already given Kun'er a girl in our Cuijin Building. I was working with the girl's mother. Although that girl's craftsmanship is not as good as our Chun'er's, it is not bad, and her appearance is also considered to be Zhouzheng. The character is also very gentle. is already a second-class embroiderer. If our house is good, the girl's mother will say that she is willing to marry her into our family. ”

Hu Laohan was happy when he heard it. Hu Kun blushed. Hu Kun also had countless fantasies about marrying a wife, but his family was poor before, so he didn't dare to think about it. Now that life is getting better and better, I think that in the near future, I will be able to marry a good wife. Hu Laohan hurriedly asked about the girl's situation. Mrs. Hu described it, and finally said: "Everything is good, it is the mother of other girls, and she is reluctant to let the girl suffer, and she wants the girl to marry and have a spacious new house to live in." Hey, so, now our family's top priority is to have a house first. There are also a few girls who like them. I'm afraid that after a long time, I will be married by someone else. ”

Hu Laohan said: "I can't be in a hurry." I've done the math that we'll not be able to save enough money to buy a house until at least next year. ”

Hu Bao said: "Let's not talk about the house and the eldest brother's marriage in advance, let's talk about the loan first." That orchard is the urgency. If only everyone agreed. Let my sister follow me to the bank tomorrow to guarantee the loan. ”

Everyone hurriedly agreed.

The next day, Hu Pozi, Hu Laohan, Hu Kun, Hu Bao, and Hu Chun'er all went to the bank, found Lu Fengcai, and told them about the loan.

Lu Fengcai had already prepared the contract. As soon as there were a lot of people, they were busy entertaining into the small tea room, inviting everyone to sit down and drink tea, while preparing the pen and ink. Lu Fengcai was talking to the people of the Hu family while peeking at Hu Chun'er. found that Hu Chun'er was beautiful and wise, with a pink and white goose egg face, which made Lu Fengcai very excited. Carefully observing Hu Chun'er's actions, I found that Hu Chun'er was gentle and lovely, and when she signed the guarantee, the small characters of a stroke made Lu Fengcai very amazing.

Lu Fengcai asked: "Miss Hu's handwriting is very handsome, has Miss Hu ever been to school?" ”

Hu Chun'er blushed shyly, and Lu Fengcai was even more moved. Hu Chun'er said shyly and timidly: "Our family is poor, where can we go to school?" However, after I entered the Cuijin Building last year, I worshipped the master, and when I was fine, the master often taught me to know a few words, and also learned to write my own name. ”

Lu Fengcai hurriedly asked: "Why is the embroidery girl of Cuijin Building still literate?" ”

Hu Chun'er said: "My master is from Nanyang. is also a Dachu person, originally from the Gyeonggi area. Later, he went to Nanyang, entered the workshop, became a steward, and was able to take apprentices. She learned to read, write, and draw a good picture in Nanyang Night School. She often told us that if we want to embroider well, we must be literate and able to draw, so that the embroidered things can have spirituality and rules. So, when she was fine, she taught us to read and draw. ”

Lu Fengcai was even more surprised and said, "Miss Hu can also paint, that's really amazing." Don't know your master's name, is it easy to tell? Where is Gyeonggi from? I'm also from Gyeonggi, so I don't know if I know each other? ”

Hu Chun'er hurriedly said a name, as well as the master's hometown. Lu Fengcai smiled and said, "Another day, I must visit, it turns out that we are fellow villagers." ”

Hu Chun'er said: "Master Steward, don't call me Miss Hu, just call me Chun'er." I can't say I can draw, I just know how to draw. It's still far from painting. ”

Lu Fengcai smiled more and more gently, and said, "Chun'er's name is good, and the name is like it." Don't call me Lord Steward, just like your brother, call me Brother Lu. ”

Hu Chun'er was even more ashamed, and shouted in a low voice: "Brother Lu." ”

Lu Fengcai was even happier.

The Hu Pozi on the side can see the end. She couldn't help but look at this Steward Lu carefully, and saw that he was a talent, although he was not handsome, he was also amiable. The demeanor is down-to-earth and generous, the speech is kind, and the work is clean and neat. is still working in a bank, what a good son-in-law candidate.

Mrs. Hu couldn't help but walk over, waiting for Lu Fengcai to go through the formalities, and at the same time chatting with Lu Fengcai. After some conversation, I learned that Lu Fengcai was not married. The home is in the Gyeonggi area. However, there is no one left at home. He himself grew up in his uncle's house. Later, he entered the Beijing Bank as a small servant, and later became a clerk, and then went to Tiebi Pass.

Now, he can get used to living in Tiebi Pass. Get ready to make your home here. He has bought a house in Tiebiguan with his savings over the years, and he also has two sizes, and there is also a small servant waiting for him at home.

Because of his recent good business, he is already about to appreciate, and he will soon be a little steward.

Mrs. Hu's heart was full of joy when she heard this, she only felt that this time she didn't come to take out a loan in vain, why did she come to repay interest, loans, and repayments before, and didn't pay attention to this Lu Fengcai? Isn't this exactly the right son-in-law I was looking for? (To be continued......)