After Wei Yunzhong returned to Datong Mansion, he went to the ticket number several times to inquire about the loan.

Prior to this, Wang Zezhi's ticket number was only operated internally, and its main function was to pay the sergeants.

External matters have not been carried out.

However, Wang Zezhi has long been preparing to open to the outside world, but he needs to wait for a suitable opportunity.

Giving Wei Yunzhong a loan is a good opportunity.

On the day Wei Yunzhong left, Wang Zezhi had already arranged for someone to pass his portrait and the loan to the ticket number.

On the first day of Wei Yunzhong's return to Datong Mansion, he first asked how the interest was calculated.

When the shopkeeper in the ticket number told him that he would receive seven cents of interest a year, Wei Yunzhong scolded and walked away.

Seven points at this point is seven percent.

When he returned to the office hall built by Wang Zezhi in the north of Datong Mansion and on the former site of the General Town Bureau, Wei Yunzhong calmed down.

He thought about it carefully, and the shopkeeper in the ticket number seemed to be talking about seven cents of interest a year, not seven cents a month.

If seven minutes a month, twelve months a year, the interest will roll over, and then the interest alone will be a huge amount of money.

However, if you make seven cents a year, it doesn't mean much.

Wei Yunzhong is not a good-looking person, and when he thought that the interest for a year was only so much, he rushed to the ticket number to inquire about the loan.

The shopkeeper of the ticket number told him that if he wanted to borrow money from here, he needed collateral.

The item to be mortgaged can be either a property or a real estate.

But Wei Yunzhong has been honest all his life, he has neither real estate nor real estate in his hands, and he doesn't know what to do for a while.

At this time, the shopkeeper of the ticket number told him that he could mortgage Datong Mansion to the ticket number.

At that time, the ticket number collects taxes from the merchants who travel to and from Datong Mansion City, and makes up the loan, or collects commercial taxes from the merchants who do business in Datong Mansion City, and uses the tax to repay the loan at that time.

When Wei Yunzhong heard this, he was furious again, opened his voice and shouted and scolded, saying that this move was a way to steal the country, and walked away again.

It's not that Wei Yunzhong is unwilling, but Wei Yunzhong doesn't dare, you must know that the commercial tax was abolished by Emperor Chongzhen himself.

When Wei Yunzhong returned to the office hall, the shopkeeper of the ticket number followed closely behind and visited him in person.

Originally, Wei Yunzhong didn't want to see him, but Wei Yunzhong really needed silver too much, and the court didn't have silver, so there was no way, Wei Yunzhong pulled the old man's face and met with the shopkeeper, he wanted to see what the ticket number shopkeeper was thinking.

"Lord Wei, this is the detailed terms of the loan, you can read it carefully before making a decision."

The shopkeeper of the ticket number sent a detailed explanation of the loan, gave a salute and left.

Wei Yun was on fire in the center, but he was short of silver.

After the shopkeeper of the ticket number walked away, Wei Yunzhong picked up the loan and read it carefully.

In the detailed explanation of the loan, it is said that the items pledged can be real estate, real estate, minerals, etc., all valuable things.

Wei Yunzhong watched it with relish, and this time, he watched it all night.

The next day, early in the morning, Wei Yunzhong came to the ticket number again with many documents and confidence.

The documents he brought with him were the property in the name of the seventy-four gentry.

Wei Yunzhong is a jealous and hateful person, and he has long heard of the scandalous things done by the seventy-four hometown gentry of Datong Mansion.

It's just that because there are people in the court of these squires, he can't do anything to these people.

At this moment, these squires were all killed by Wang Zezhi, and Wei Yunzhong had the idea of taking from the people and returning them to the people.

After all, these squires can have so many industries, all of which are obtained by looting the people's fat and people's ointment.

For these industries, Wang Zezhi did not encroach.

Wang Zezhi just confiscated the silver and fields in their hands.

If Wang Zezhi confiscates the property of these squires, he will have a handle in the hands of others, and when the time comes, those ministers in the court will make a fuss, and he will not be able to eat and walk around. city

On the contrary, he only confiscated the silver and land in the hands of these squires, nominally to recover the military land they had occupied, and to make up for the arrears they had accumulated over the years.

The shopkeeper of the ticket number accepted the documents brought by Wei Yunzhong with a smile, and ordered someone to serve Wei Yunzhong good tea and pastries.

He led people to begin estimating the value of these properties.

The 74 gentry had many industries in their hands, including tea, silk, embroidery, timber, salt, cloth, cotton, coal, bamboo, tung oil, lacquer, medicinal herbs, koji wine and other goods.

Not only do they sell these goods, but they also produce them.

In other words, there are also many workshops in these industries.

The shopkeeper of the ticket number took the accountants in the ticket number, holding the abacus and calculating, Wei Yunzhong had two dark circles under his eyes, and the old god was sipping tea and pastries.

"Well, the aroma of this tea is fresh and tender, the taste is fresh and sweet, the bottom of the leaves is delicate and delicate, good tea, good tea, dare to ask the shopkeeper, why is this tea?"

The shopkeeper put down the abacus in his hand and said respectfully: "Lord Yu, this tea is called Longjing." ”

"Oh, but wandering on the dragon well, the clouds are clear. Cooking golden buds, longjing tea that can't bear to gargle? ”

Longjing tea in the Yuan Dynasty began to have a good name, and Yu Ji, a tea lover, wrote a tea drinking poem of "You Longjing", and Wei Yunzhong read the poems in "You Longjing".

"Exactly."

"Wonderful, wonderful, it's really good tea."

Wei Yunzhong took another sip, and the aftertaste was endless.

"Come on, pour tea for adults."

In the ticket number, Wei Yunzhong is sipping tea, and the ticket number shopkeeper and accountants estimate the value of these industries.

In the afternoon, Shen Shi.

It's finally been estimated.

"My lord, this is a list of estimates, please take a look at it."

The ticket number shopkeeper listed the estimated list, please Wei Yunzhong take a look.

Wei Yunzhong took the list, and he saw that one of the squires had a façade room, a two-story room, a wing room, etc., a total of 14 rooms, with an estimated value of 500 taels, which was very fair.

Five hundred taels of silver, according to the real income of Ming Dynasty officials, the first-grade officials need to struggle for about four years without eating or drinking, and the nine-rank officials need to struggle for eighteen years.

This is also one of the reasons for the collusion between officials and businessmen in the late Ming Dynasty and corruption.

Wei Yunzhong was afraid that the shopkeeper would cheat, so he spent an hour of hard work and took a serious look.

After Wei Yunzhong finished reading it, he summed it up, and all these industries were worth one hundred and eighty-seven thousand three hundred and twenty-one taels.

"The official is very satisfied, take the silver."

"My lord, this loan is divided into equal principal and equal principal and interest, how do you want to borrow?"

The shopkeeper asked with a smile.

"What is an equal principal? What is equal principal and interest? The shopkeeper explained to the official. ”

Although the detailed explanation of the loan given to Wei Yunzhong by the shopkeeper was explained, the shopkeeper was not angry, and he still explained with a smile.

The equal principal and interest repayment amount is a fixed amount every month; The monthly repayment amount of the equal principal amount is as small as it is and decreases from month to month.

The equal principal amount is the monthly repayment amount, which is decreasing month by month; It is to divide the loan principal evenly according to the total number of months of repayment, plus the interest on the remaining principal of the previous period, so as to form a monthly repayment, so the repayment amount of the equal principal method is more than the monthly repayment, and then decreases month by month, and the more you repay, the less you repay.

Equal principal and interest is the same monthly repayment amount, in essence, the proportion of principal increases month by month, the proportion of interest decreases month by month, and the monthly repayment amount remains unchanged, that is, in the distribution ratio of monthly principal and interest, the proportion of interest repaid in the first half of the period is large and the proportion of principal is small, and the proportion of principal is gradually changed to a large proportion of principal and a small proportion of interest after the repayment period is more than half.

There is also a difference in the interest repaid between the two repayment methods.

The loan of 200,000 yuan with equal principal and interest will be repaid for 20 years, with an interest rate of 4.9% and an interest of 114133 yuan.

The loan of 200,000 yuan with equal principal is repaid for 20 years, the loan interest rate is 4.9%, and the interest of 98,408 yuan needs to be paid.

"Okay, the official knows, the official doesn't want either way, the official wants to die."