Wu Pu didn't turn around at dusk, the main thing was that the house had been sold, the contract had been signed, and the money from Qi Guogong Qiu Fu had also been sent, and the next thing was to find a new home to rent temporarily.

Wu Pu was going to rest, and Wu and Bi and his aunt Wu Li were going.

Go to Yingtianfu at dusk.

With these three thousand taels of silver as a base, he now has great confidence in taking the abandoned manor.

Xiang Bao saw that dusk was coming again, and sighed: "Have you raised money?" ”

He also said: "The sales contract between the government and Ji Gang has been prepared to enter the official process, if you want to buy it, it is best to take out the money today, and the price is higher than that of Ji Gang." ”

Personally, Xiang Bao is also inclined to dusk.

After all, this thing is the beauty of adults.

But Xiang Bao didn't want to offend Ji Gang, so as long as Dusk's price was higher, he sold it to Dusk cleanly and completed the process as quickly as possible, and Ji Gang had nothing to say.

Dusk sighed: "The money is not enough, but can Fu Yin consider another compromise?" ”

Xiang Bao was puzzled, "How to compromise?" ”

Dusk said: "That abandoned manor, the government sold it to Ji Gang, it is 21,000 taels of silver, in fact, the price is already high, after all, the manor has been abandoned for more than ten years, but I understand that its value is not bad, after all, the geographical location is good, it is a neighboring country, and it is a prosperous area in Gyeonggi, if it is renovated, 30,000 taels of silver can be sold." ”

The school district house is in the first ring road of the capital, and the price of 21,000 taels is really not expensive.

Converted to purchasing power in later generations.

That's about fifteen million.

If this manor is renovated, it can be sold at a price of 30,000 taels.

However, if that manor wants to be renovated, decorated in style, in line with its geographical location and the identity of the owner's family, you don't have to think about it without 10,000 taels of silver.

The main thing is that the area is large.

The rebuilding and repair of various rockeries, pools, and pavilion bridges is an expensive expense.

Xiang Bao nodded, "That's the truth." ”

Dusk said: "I have only two thousand five hundred taels of silver, and it is definitely impossible to pay for it all at once, but I have an idea, if Fu Yin is free, I will listen to it and see if you can accept it." ”

Xiang Bao laughed, "Tell me about it." ”

Dusk smiled: "In this way, I really want to buy that manor, but the funds are not good in the near future, and I don't want to go to the private money bank to get usury, but I have a time when the business house is making money every day, as long as I am given time, it is not difficult to buy this manor at all, so I thought of a compromise solution, that is, I bought it for two thousand taels of silver——"

Xiang Bao interrupted him, "Huang Zhen Fu envoy, the business didn't do this. ”

More than 20,000 taels of champions, you buy them with 2,000 taels?

This......

Your Majesty wouldn't dare to open such a mouth.

Dusk smiled and said, "Fu Yin, don't worry, listen to me." I used two thousand taels of silver for the down payment on this manor, what is the down payment? It is the money for the first payment, so it is called a down payment. ”

When Xiang Bao heard this term for the first time, it was very fresh, and his eyes lit up, "And then?" ”

Dusk continued: "The twenty-one thousand taels of silver that Ji Gang came out of, that is to say, the value of this manor to Ying Tianfu is twenty-one thousand taels of silver. Thank you for Fu Yin's care everywhere, in order to be sure of this matter, I am willing to pay the difference of 25,000 taels and 4,000 taels, this is the strongest excuse, and Fu Yin will not offend Ji Gang. ”

Xiang Bao was puzzled, "But you don't have any money." ”

Dusk smiled and said: "Fu Yin controls the affairs of Ying Tiancheng, and he should know the strength of the trading house in my time, more than 20,000 taels of silver, it is really not difficult, but there is no now, so I have this idea: I will pay the remaining four thousand taels in installments." ”

Buy a house with a mortgage!

This was an epoch-making move, and if it had caused a mass effect, it was likely to set off a financial wave in the Ming Dynasty in the fifteenth century: in fact, to put it bluntly, it was similar to the first and last payments of bulk goods transactions.

It's just more flexible.

Xiang Bao pondered for a long time, "This is indeed fresh and feasible, but Xiang still has a question, the government only received two thousand taels of silver from you, and gave you the title deed of the manor, if you don't mind, if you don't pay off the remaining payment, if there is something wrong with Huang Zhenfu's career, who will our government ask for money?" ”

Dusk sighed darkly.

Sure enough, the white wolf with empty gloves is not good, and he still has to take a mortgage.

Said: "Don't worry about this, when I sign the sales contract with the government office, we will agree that if there is some accident that causes me Huang to be unable to pay the remaining money, the government can take the Times Commercial Bank as its own." In fact, this is the same as usury, with assets higher than the loan as collateral, so the government has absolutely no worries, and the extra 40 million is the interest due for the first installment of the government office, which is not much worse than the usury. ”

He also said: "Fu Yin can calculate." ”

Xiang Bao pondered in his heart for a while, feeling that this matter was feasible, and the government could use this to buy and sell, and let the account have tens of millions of extra money out of thin air, and this account was extremely beautiful.

It's a political achievement.

Still not at ease, he asked: "If this is the case, how long will it take for Huang Zhenfu to pay off the final payment?" ”

Dusk thought for a moment, "Within two years." ”

He added: "Starting from the next month after signing the contract, I will order the Times Trading House to pay 1,000 taels of silver to the government every month, for a total of 24 months. ”

Xiang Bao's eyes lit up, as Fu Yin, he knew too well the benefits of this kind of operation for dusk.

He has more money to work with.

But this is not harmful to the government Baili.

And he said, "What if it's late?" ”

Dusk sighed.

Sure enough, every opponent Lao Tzu encountered was a weak chicken, and all of them were supporting characters and villains with full IQ.

said: "For example, if I have something to do next month, the capital turnover is not good, and a thousand taels of silver are not delivered, then pay the late deposit according to five thousandths of the thousandth, so as to accumulate, how about it?" ”

This is the basic clause for buying a house with a mortgage, and as for whether it is 5 per 1,000, I can't remember it at dusk.

Head to the treasure.

I have to admire Dusk, in order to buy this manor, it is really racking his brains, and his proposal is difficult to refuse.

He groaned and said, "I'll go and discuss with the rest of the mansion, and Huang Zhenfu will wait a minute." ”

After saying that, he got up and went to the company hall.

Drinking tea at dusk, he waited comfortably, he knew that Xiang Bao and the others in the mansion would agree - no one and money can't get along, and if this matter is operated like this, everyone in the mansion will not be punished.

Sure enough.

After a while, Xiang Bao went and returned, quite excited, "Everyone has no opinion, and they are all shocked by Huang Zhen's idea, so when will we sign the contract?" ”

"Now."

"Inside, please!"

Half an hour later, the first mortgage purchase contract of the Ming Dynasty was released, and a new type of commercial purchase model was about to set off a frenzy in the Ming Dynasty.