Zhou Ji didn't stop Zhou Shu from going crazy, he also wanted to see what Xin Mao's bottom line was.

If he really forced the Zhou family to borrow money, what would he ...... He didn't know what to do anymore.

General Xin Mao smiled, looked at Zhou Shu, and said warmly: "You don't have to be too excited, so-and-so is just a messenger, you blow your beard and stare at you, it's useless to scare so-and-so." First of all, the share subscription of your Zhou family is signed and pledged, in black and white, even if the lawsuit goes to the front of the emperor, your Zhou family will lose, you don't refute this, right? ”

Zhou Shu exhaled from his nostrils and was speechless.

It is reasonable that the Zhou family has to buy this share, or pay a huge amount of compensation. It is said that you have money or not, and if you don't have money, you dare to open your mouth and quote indiscriminately?

It doesn't make sense.

General Xin Mao smiled and continued: "Besides, the juniors can probably guess what you and Emu Gong think, but they just think that the chief manager wants to make some usury to harm the Zhou family, right?" ”

Zhou Shu didn't say anything, but Zhou Shu snorted angrily: "Isn't it?" ”

Xin Maojiang shook his head and said, "No, you are a gentleman with the heart of a villain, and you have wronged the boss." ”

Zhou Shu asked, "How do you say this?" ”

General Xin Mao said: "The interest rate of the money bank is unified, and the general manager has stipulated that the interest is one cent per month according to the specific situation of the current private loans, and there will be no change within ten years. ”

Zhou Ji's eyes widened suddenly: "One cent? ”

Xin Mao will nod: "That's right, a penny." ”

He naturally knew why Zhou Ji was shocked.

At present, the most popular "nine out of thirteen returns" is that you borrow ten times, and what you get in your hand is actually nine times, and the repayment at maturity is thirteen times. In addition to this, the corresponding interest must be paid, which is generally calculated on a monthly basis, about three cents.

Inside and out, it's almost life-threatening......

But what about the interest on the bank?

Just one point!

Except for a little "stamp duty", there is no more to say.

Zhou Ji raised his eyebrows and asked, "What do you need as collateral?" ”

Xin Maojiang said with a smile: "Fields, houses, shops, even calligraphy and paintings, and rare things are all available, and not only the scholars and businessmen who subscribe to the shares of the salt farm this time can apply for loans, but all the families or individuals who can make their business projects recognized by the money village can apply for loans anytime and anywhere." ”

Zhou Ji was shocked again.

He is a Confucian, but he is by no means a pretentious pedantic, Yangxian Zhou's ability to have a thriving situation is inseparable from his careful management. He is also quite proficient in the way of colonization.

Fang Jun's so-called "money village" is not just for those scholars who have subscribed to the shares of the salt farm but really can't come up with the money, but to play a bigger game of chess! This hand not only subverted the previous private lending methods in Jiangnan, so that the bulk of loans had another choice, so that they would not have to bear the exploitation of the lending family, but more importantly, he really consciously and planned to support those businessmen who did not have sufficient capital, but really had business minds.

Or ...... Cold!

The corners of Zhou Zhang's eyes jumped sharply involuntarily.

If it falls to Fang Jun, Zhou can not only keep the interests of the salt field in his hands now, but also show the side of the carriage and horses, I think Fang Jun will definitely not treat Zhou who first stood up to express his support.

This is a good choice, but Zhou Ji is now facing two problems, two fatal problems!

If you borrow money from that money village and mortgage your own land and house deeds, once the income of the salt farm does not reach the ideal, wouldn't it be equivalent to Fang Jun drawing a circle and eating up all the family wealth accumulated by the Zhou family for hundreds of years?

Although everyone is willing to believe Fang Jun's exposition and prediction of the output of the salt farm, what if?

There is one more important!

If Fang Jun really had the intention of supporting the Hanmen to fight against the Jiangnan Shi clan, wouldn't it mean that he took refuge in the past, wouldn't it mean aiding the gang and digging his own grave?

The water is too deep......

Zhou Ji suffered from gains and losses, and hesitated.

Xin Mao looked at his expression in his eyes and laughed in his heart.

Before planning to launch this "Royal Money House", the chief manager had already communicated with Pei Changshi the minds of all the scholars and merchants, and all kinds of possibilities had been planned as much as possible.

Zhou Ji's concerns were naturally expected by the chief manager......

Xin Mao will sit up straight, and a sense of pride will arise spontaneously from his chest.

He said in a solemn tone: "The chief manager once said that he is the most righteous person, you gave him a round at the prospectus, he will remember this kindness, all the families or individuals who subscribe to the shares of the salt farm, if there is a need to borrow money from the bank, all the mortgages, no matter when, the money will not be confiscated, but only prohibit them from buying and selling, until the loan is paid off." ”

The corner of Zhou Ji's eyes jumped again...... He couldn't remember that this was the first time he was shocked today, Fang Jun's move was one move in a row, and he couldn't help but be unguardable, and he even took the door of his life, hit the weakness directly, and made people want to avoid it!

What does it mean that "he will remember this kindness"?

It doesn't matter if you take out the money or borrow money from the bank, as long as you honestly buy the subscribed shares, it is "love"! We have a friendship, we are partners, and we will naturally not be treated badly in the future.

But if you want to embarrass him, and you are a scoundrel and refuses to pay the money, not only will there be no "affection", but there will only be "hatred"!

Naked threats, intimidation!

And General Xin Mao's last sentence made Zhou Ji have to admire Fang Jun's courage.

"All mortgages will not be confiscated at any time, but will only be forbidden to buy or sell until the loan is repaid......

What does this mean?

It's literally lending you money to do business!

In this era, it is no different from giving it for nothing......

Zhou Ji knew in his heart, and there was only one last question.

He looked at General Xin Mao and asked slowly: "It's not that the old man can't trust the general manager, it's really the foundation of the family that designs the real estate deed, so I have to act cautiously." Dare to ask, if the governor is no longer in charge of this bank, will this promise continue to be valid? ”

Don't say anything about signing and drawing!

It is the norm for people to go to politics, and he Fang Jun has not yet reached the age of the weak crown, can he still be in charge of this money bank for too long? Once he left, and came up to completely deny the previous agreement, the Zhou family couldn't cry!

Xi Junmai laughed and said, "Emu Gong must have neglected one thing. ”

"What?"

"The full name of this money bank, called 'Tang Royal Money Village', has nothing to do with Huating Town, has nothing to do with Suzhou, and has nothing to do with Canghai Road, this is His Majesty's private property, whether it is Zhou or others, the documents that sign the loan agreement are signed by His Majesty, what does it have to do with the general manager?"

Zhou Ji was dumbfounded: "Really?!" ”

Xi Junmai nodded and said, "There is no lie!" ”

Zhou Ji let out a long breath, and immediately clapped his head: "I don't know how to value this mortgage?" ”

Xi Jun said: "There are people in charge of appraisal in the money bank, all of whom are proficient in arithmetic and economics, and they will never maliciously lower the price of the mortgage. Not only that, but the general manager specially issued a dividend to the owner of the shares of the salt farm, which can be increased by 20% according to the price of the mortgage, and the loan will be given! ”

If you take out 100 acres of land at a market price of 1,000 yuan, I will lend you 1,200 yuan!

Generous......

Zhou Ji had no objections, and immediately said: "Tomorrow, the old man will arrange for the third brother to go to Huating Town with the land deed and go to the money village to go through the loan procedures. ”

General Xin Mao smiled, raised his thumb and said: "Emu Gong is extraordinary, and the younger generation is overwhelmed!" ”

Mission accomplished, relieved!

Zhou Ji also laughed: "Director Xin is articulate and clear-minded, and he deserves the title of a young talent." If you fail to pass the imperial examination, it is not a major event, as long as you precipitate it carefully, the title of the gold list in Japan is inevitable. As the chief manager said, read 10,000 books and travel 10,000 miles, the future is bright, and the future is 10,000 miles! ”

It's worth it!

Jiangnan Shi clan?

Fuck it!

Zhou Ji has long seen clearly, the times are different! Still thinking that during the Northern and Southern Dynasties, the world was in turmoil, and the Jiangnan Shi clan took advantage of the situation to rise? Still thinking that after the Great Sui unified Jiangnan, it would be powerless and difficult to take care of, and let the Jiangnan Shi clan become bigger? Still thinking that under the maintenance of the Jiupin Zhongzheng system, the family gate valve controls the government and has the energy to rise and fall?

Stop dreaming, wake up!

Datang has risen like a giant, and it will definitely not allow the family gate valve to control the resources of the empire as before, and even override the supremacy of imperial power!

Either go with the tide and follow the big ship of Datang to ride the wind and waves and sail away; Or go your own way and crush in front of the powerful wheels......

Where to go, Zhou Zhi is clear.