This should have been a good thing, and the people praised the court and the well-being of the people.

Half a year later, the household bank began to increase the interest, starting from 20%, almost every month, and three months later, the interest has increased to 30%, and it is still increasing.

This is also a good thing, and the people can get huge profits.

But the problem is that every time the interest rate is raised, the silver that has been deposited in the past does not enjoy this treatment.

This is also reasonable, the signed contract is generally two or three years to return the principal, and it is natural that it cannot be taken out in advance before the time comes.

But in the hearts of the people, the suffering is immeasurable.

Imagine that the amount of silver deposited half a year ago is the same as the amount of silver deposited half a year later, but the interest rate is twice as low.

That's cash.

The people in the money bank said that as long as they continued to deposit silver, they could enjoy higher interest rates.

When the people heard this, their hearts were blazing, and they could be described as tossing and turning night and night.

When the family ran out of money, they began to borrow money from friends and relatives.

At first, it was okay, and I could borrow it, but it didn't take long for me to borrow it.

No one is stupid, how can it be possible to borrow money when they hear that there is such a lucrative thing?

Not to mention relatives and friends, the king of heaven will not borrow when he comes, so he will not save it?

Just when the people were walking the streets and alleys, looking for money everywhere.

There is a silver account that appears, but it is not a money bank, it is just a silver number, and it does not absorb savings, but only lends money.

It can be said that God is beautiful, anxious about what others are anxious about, and thinks about what others think.

The treasurer of the silver trumpet is even called a great benevolent man.

Because the interest rate of the silver released by the silver number is really not high, the monthly interest rate is 20%, which is more than 30% of the interest of the household bank, then it is considered a scattered wealth boy.

Because borrowing one hundred taels from the silver number, paying two taels of interest per month, can be transferred to the household bank, and you can get more than three taels of monthly interest per month, which changes hands, one hundred taels of principal, you can earn more than one or two interest rates out of thin air, even if many people are illiterate, but this simple arithmetic, can still be calculated.

As a result, the people flocked to it, and Liu Yuan's father was also one of them.

But the silver number is not just a loan, it has a stipulation, that is, it needs to be mortgaged.

The mortgage only collects houses and fields, and the mortgage ratio is very low, only four percent of the value, that is, one hundred taels of land can be mortgaged for forty taels.

When you go to save money, you will not be given collateral, and when you borrow money, you must have collateral, and this is how the world is!

Moreover, for each loan, the time limit is six months, and the maximum is not more than one year, that is, the collateral is silver if it is not paid out when it is due.

In fact, when it comes to this, people who are a little smarter know where the risk is.

The contract of the household bank is two years, but the loan shark is at most one year, and after that year, what will be paid?

Therefore, except for some bold people who borrowed a small amount, not many people borrowed.

At this time, the household bank was really anxious, and immediately issued a notice, the money bank from now on, the deposit contract can start from one year.

As a result, the people were pleasantly surprised and ran to the silver number to borrow money.

At this time, the silver number also changed some rules, that is, if you only borrow for half a year, if you want to borrow for a year, the collateral is only calculated as 30%, that is to say, 100 taels will only be loaned 30 taels.

As soon as the rules of the hatchback change, there is room for a circle.

Smart people, especially those who pride themselves on being smart, have figured out what can be exploited.

So, they flocked to the silver and began to borrow.

At the beginning, the silver account released was indeed real money, and after the people borrowed it, they were transferred to the household bank.

But later, the silver number no longer put silver, just a note with a seal, and after the people got it, they handed it to the household bank, and it was used as silver.

The people didn't think there was anything bad, but it was convenient, just imagine hundreds of taels, even thousands of taels, dozens of pounds in weight, how convenient it is to carry a note in your arms?

As long as the household money is recognized, it is difficult for other people to care.

Liu Yuan's father, who was still hesitating, was not a person who was too thoughtful.

The money in the family has long been saved in the bank, and the interest is 20%, and the relatives and friends have borrowed 300 taels, and the interest is 205%, but at this time, the interest has risen to 305%.

At this time, no one in relatives and friends didn't know about high interest, so they came to the door one by one and urged Liu Yuan and his father to repay the money.

But the silver deposited at that time will not mature until two years later, how can it be repaid?

Liu Yuan's father is a person who pays attention to face, which is not surprising, there was no one who did not pay attention to face at that time, this is the foundation for them to achieve social status.

So, Liu Yuan's father promised to pay the interest to relatives and friends at this time, and when the deposit was due, he would return the principal, which stabilized his relatives and friends and did not be poked in the back.

But in this way, the three hundred taels borrowed by Liu Yuan's father took twenty into five interest, paid thirty percent and five interest, and had to pay three taels of silver every month.

Of course, Liu Yuanjia has also borne these deficits, not to mention that half a year has passed, even if it is two years, it is only a deficit of more than seventy taels.

But this face is swept away, looking at the neighbors, he is even more happy to pick up treasures, but he has lost dozens of taels in vain, Liu Yuan and his father can be called tossing and turning, unable to sleep at night.

After hearing that there was a silver number to lend, Liu Yuan's father was really moved, the family's twenty acres of fertile land, two shops, plus this yard, is worth two thousand taels, right?

Even if you take out a loan of 30 percent, 600 taels, or 30 percent and a half of interest, you can make up for the deficit and get a lot of surplus.

Fortunately, Liu Yuan was sober at this time, and he resolutely opposed it, and mortgaged the real estate of his family, and normal people would not do this.

Although at this time, as long as his father is still alive, his son is not qualified to make an idea, but after all, Liu Yuan has a meritorious reputation, and his father still respects Liu Yuan more, so this matter was delayed for a few days.

It was also fate, seeing that his father had stopped, Liu Yuan went to Songjiang Mansion, because at that time Songjiang began to build a new city, although Wu Zheng rejected Zhang Huangyan's suggestion to take the imperial examination, he still opened up in Songjiang Mansion.

As long as the scholar has passed the examination, he can be used as a new city official (not an official).

The temptation for a talent is huge.

It's a pity that when Liu Yuan rushed to Songjiang Mansion, a war broke out, that is, Wu Zheng besieged Wei to save Zhao, and led his troops across the river to recover Taizhou City for the first time.

In desperation, Liu Yuan returned to the capital.

But in the seven or eight days of this back and forth, Liu Yuan's father mortgaged all the family property except the ancestral house, and borrowed 700 taels of silver and deposited it in the household bank.

What happened during this period that made Liu Yuan's father change his mind?

When Liu Yuan's mother was not married, his mother's family had a distant relative, the kind that couldn't be beaten with eight poles.