As soon as the discussion ended, Xiucai from the loan department came, and it was Zhang Xiucai who brought Dong Changsheng's application to ask President Jia if he could handle it.

I met Qin Feng and Gao Wenjin. Zhang Xiucai dictated the situation first, and then handed over the application.

Jia Jingmin took the application, quickly skimmed it, and handed it to Qin Feng and Gao Wenjin.

Jia Jingmin is the president of the bank, and there are outsiders here, so Qin Feng will not speak for her.

President Jia pondered for a moment and said, "Dong Changsheng has been running an inn, and his reputation is still good. If the account is supervised, the purpose of the loan can only be to buy land and build an inn, and I think I can lend it to him. But risk sharing, you have to put a little pressure on him. He couldn't take out a full loan, and he had to raise a small amount of money himself. One percent, his own funds must be one percent, and this percent of the funds are subject to supervision along with the loan. He lent him if he wished. ”

Zhang Xiucai agreed with a smile, and said goodbye to Qin Feng and Gao Wen. Today's loan is so smooth, Zhang Xiucai finally made a performance.

Waiting for Zhang Xiucai to go out, Qin Feng praised: "Governor Jia handles bank affairs like a fish in water, and he is at ease. So the bank is handed over to you, I am most assured! ”

Jia Jingmin glanced at Qin Feng with disgust, Gao Wenjin was still here, and he didn't pay attention to what he said.

Gao Wenjin covered his cheeks on the side and pretended to say: "Oh, my teeth are so sour, obedient, my teeth are going to be sore!" ”

"Wu Ying is not there?" Qin Feng ignored Gao Wenjin and asked Jia Jingmin directly.

"On the review side, do you have something to do with her?"

Gao Wenjin looked for her and wanted to invite her to her sister's house to ask Mu Zhongren for some wine, which was the wine given to Gao Wenjin last time. That wine cures tooth acid. ”

"Don't! My teeth are healed! Gao Wenjin said: "I don't drink, I have quit drinking for two days!" ”

Mu Zhongren's wine, I really can't drink it! The last time I drank it, I achieved a good thing with Li Wanlan. But there is also a little hidden danger, Li Wanlan and Gao Wenjin have not separated each other many times, and they have become acquainted with each other completely. asked him, why did Gao Wen go down the mountain like a tiger in the first few heads-up on the first day? Raptors crossing the river? Since then, the vigor has been much worse?

Gao Wenjin can't explain it, and he can't explain it. I can only say that because of curiosity, I was very brave for the first time in my life, and I reluctantly prevaricated with this reason.

It's like eating a full-fledged feast for the first meal. Later, it suddenly changed to a home-cooked side dish. No wonder Li Wanlan has questions.

After Gao Wenjin shared this matter with Qin Feng, he told Qin Feng not to repeat the mistakes of the past in the future. I don't know that I was kind enough to remind you, but I became the laughing stock of this guy! Gao Wenjin consciously made friends carelessly.

Zhang Xiucai returned to the office and relayed President Jia's opinion to Dong Changsheng. Dong Changsheng looked grateful, but he didn't expect the bank to really have clear grievances, regardless of previous suspicions. But this time the inn. Buying land to build is expected to cost 3,000 taels of silver, and an achievement is 300 taels, and Dong Changsheng also finds it difficult.

Zhang Xiucai was anxious and came up with an idea: "Don't you have a small yard?" Take it as collateral and borrow 300 taels from the bank! ”

Dong Changsheng said: "My yard is not worth so much, and the bank mortgage loan is discounted by five percent first, and then discounted, and the loan is not much." ”

"This will not be, the bank loan mainly depends on the purpose, there is no problem with your use, and the risk is not big. Collateral banks will also relax the scale. The original intention of the bank is to help people who do business with sincerity. Don't worry, you can take out a loan in this yard! ”

"Okay, let me ask again, how long can I borrow this loan? If it doesn't happen for a while, will the bank take back the inn? Yard? ”

"As long as you are in business, there is no problem with the accounts, and you can't pay it off the deadline, you can apply for an extension. On the application I gave you, it was stated that the loan period is five years, five years, which is enough for you to take care of your business and repay it slowly, right? ”

The interest is 20% a year, and the principal and interest are just doubled in five years. It is 6,000 taels to repay the bank, 1,200 taels a year, and 100 taels a month. It's still three taels a day. The inn is expected to have fifty or sixty rooms, even with food and accommodation, how can you earn twenty or thirty taels a day!

Dong Changsheng made a silent calculation in his heart, nodded heavily, and said with a smile: "Okay!" Thank you Zhang Xiucai! I'm going home and getting the title deed! "From then on, there was an inn that truly belonged to me! An inn that can be passed on! Love to nibble on books

Tangtuo loan, Dong Changsheng happily floated a little, as if stepping on cotton, just walked out of the bank. Zhang Xiucai caught up: "Wait, wait!" Boss Dong, let me ask you, this time, how many shopkeepers like you have been dismissed? “

Dong Changsheng looked dazed and shook his head.

"Can you please ask Boss Dong to inquire, if there is still this situation of you, you were fired by the Chu Palace, and you want to come out to do business by yourself. You can come to me. Refer to your way to apply for a loan, this matter, it is to blame the king of Chu, not to blame the shopkeepers. If the bank can help, it will not shirk. Zhang Xiucai looked sincere.

Dong Changsheng was moved, the bank is really good, and Zhang Xiucai is also good!

Looking at Dong Changsheng's back, Zhang Xiucai grinned, hoping that the Chu Wangfu would give face, and the more shopkeepers were fired, the better! Dong Changsheng alone completed two loans. A few more people, my performance is still not booming?!

Zeng Youcai was well prepared, and he had several projects given by Qin Feng in his hands, so he came to the bank early in the morning to sign a loan agreement. His manpower has been prepared, and he is part of the disaster victims who are helping to repair the road in Yunshan. Having built a concrete road, these people are quite proficient.

Dong Changsheng has been an inn all his life, and now he can finally have an inn of his own. When he went home yesterday, the first thing he said to his wife and children was: "I was dismissed by the Chu Palace." The wife and children were still stunned, and the second sentence was: "I'm about to open my own inn!" "The family talked late at night, and the wife and children fell asleep with a vision for the future. Dong Changsheng was still tossing and turning, and he couldn't sleep all night.

At dawn, Dong Changsheng brought his title deed to the bank.

The loan department of the bank prepared the documents for the two to sign, and Zeng Youcai and Dong Changsheng sat together and chatted.

Both of them came to take out loans, and they congratulated each other first. Ask again, what does Brother Tai do? As soon as the conversation box opened, Zeng Youcai became energetic: "It turns out that you are taking out a loan to repair the inn?" Tell me about your composition, I'm an architect! ”

Dong Changsheng has been an inn for a lifetime, and the design is stored in his mind. Since the other party is repairing the house, let's talk about it. The design of his inn is still decent, with two concave front and back yards, three squares, two floors above and below, and a total of about fifty or sixty rooms. There are also stables, kitchens, warehouses, etc.

Zeng Youcai waved his hand: "You deserve your boss Dong to make a fortune, meet me!" You know, I just built a road on Cloud Mountain. The barracks, training grounds, and family quarters of the militia are all my projects. There is also the commander of the militia regiment, Qin, whose courtyard in Yunshan is also my project. That's what I borrowed as start-up capital. ”

Dong Changsheng nodded: "It sounds like Boss Zeng's business is doing big!" But what does it have to do with my wealth? ”

"Gee, I used to use wood to fix houses. It's like the inn you used to build, and now you're going to build it! But now, I use new building materials, cement, steel bar, masonry to repair the house. Let's just say that your inn, if I were to design it, the general appearance would still be yours. However, I'll dig you a little deeper, and I can build you three floors! Your guest room will increase by more than 30%! ”

Adding one floor can add more than 30% of the rooms, because the first floor of the inn will occupy many rooms for kitchen, reception, dining room, staff accommodation, etc. Therefore, adding one floor can add more than 40% of the guest rooms.

If the design is more compact and reasonable. This inn may have 100 rooms. As an inn, the more rooms the better. It's just that the cost of three floors of wooden structure is much greater than that of two floors, and the floor is only one layer higher, but the wooden bearing capacity is poor, and one more layer needs to be supported by thicker, longer and better logs.

The cost of transporting and handling the material will increase exponentially. And thicker, longer, and straighter logs are scarce. The log level supporting the three floors can almost be used to build palaces and temples. The people can't buy it, and they can't afford it.

Because of this, most of the houses in the Dahua era were two-story structures.

Some of the seven or eight-storey towers are built in a way that is not high, with a large ground floor and two or three floors in shape. The first floor is smaller than the first, and the last layer is estimated to only accommodate a few people to stand on. In this way, there is no need for straight logs, and the entire layer below is used as a support.

Ordinary houses cannot be built like this, and the usable area will be smaller, which is not cost-effective.

The tallest house in Dahua is the Imperial Palace in Beijing. Only the log pillars in the main hall need five or six people to surround them. Each tree is at least 1,000 years old, and has undergone antiseptic and anti-decay treatments, carved with dragon dance, and painted gold. It is not only a column, but also a decoration, called the gold lacquer dragon pillar. The price and cost of such a pillar is worth Dong Changsheng's inn!

So Dong Changsheng said: "It's good to add one more floor, but the price of repairing the house is not cheap, right?" ”

"What's the point if it's the same price as a wooden house? The price difference between two-story and three-story wooden houses is too big, so most of them are built with two floors. My cement brick concrete is precisely the most cost-effective way to repair three floors! Approximately, it is more than two percent more than the cost of two floors. This is calculated little by little by the head of the militia Qin and me, the barracks of the militia group, the dormitory, and the courtyard of the head of the Qin regiment are all designed according to the three-story building. “

Dong Changsheng's eyes lit up, it was only two percent more expensive, and there was one more room for him, which was really cost-effective.