The entire Northern Song Dynasty dispatched workers, because of a series of policies of the navy, the stimulus could not work, the navy did not require those workers who got houses and loans to keep secrets, and when they lived well, they would show off to those who were close and knew them.

After harvesting the house, even if it is Diao Xiaoyu, who is unwilling to deal with others, he can't help but show off in front of his co-workers, or colleagues who used to live in the dormitory, let alone others.

Under the propaganda of these people, the matter of interest-free loans can be said to be well known in the entire Northern Song Dynasty dispatch army.

In itself, the upgrade system of the Dinghai Navy has already made them full of expectations, although they have come farther, they can earn a lot of money, and even in their lives, they have not thought of the huge wealth, this kind of life is what they are willing to have, but now, do not spend money, or rather, get money in advance to get a house, this is a good thing that falls from the sky.

As long as they are farmers, they have been exposed to loans, and the reason why they still live a tight life even in the year when the wind and rain are good is because of loans.

Ordinary poor peasants, even if they have a few acres of land, and a few people have spare money in their hands, in the planting season, in the season of green and yellow, and even in the season when something happens to some families, this money is really not spent.

If you don't have money, it doesn't mean that you don't spend money, some money must be spent, and there is a lot of it, often a disaster, or a family encounter, can destroy a family.

Under the premise of not having a perfect bank, the cost of capital is very high, and after a few decades, Wang Anshi's best law, the Qingmiao Law, has received 2 percent of interest, which is already a rare good governance, and even this additional discount, in actual operation, is also very good, which shows the horror of private usury.

Historically, since the beginning of the Northern and Southern Dynasties, the annualized interest rate of private lending has exceeded 100%, that is, borrowing 1 tael of silver, becoming 2 taels a year.

Interest-free loans, this is something that has never been done before, if it weren't for the strong credibility of the Dinghai Navy, the salary paid month by month, and the increase in rank, I'm afraid those who got the loan couldn't believe it.

There is a cost to the operation of funds, and the reason why the Qingmiao Law cannot be operated is the opposition of the conservatives, as well as the resistance to its implementation, which is one aspect, and it cannot make blood itself, and relying on the allocation of the imperial court is also an aspect.

The reason why the interest of 2% is called good governance is because if the operating costs are deducted, the imperial court will even lose money, but for the Dinghai Navy, this is not the case.

As long as the funds come in, it will produce value, the operation method of the bank, the funds are much higher than the ordinary money bank, the money bank also has to consider the direction of the operation of the funds, more than some collateral, or some simple loans, in this case, the time of borrowing can not be controlled, in fact, most of the money, are quite low degree of operation.

In this era, even the deposit of money had to be charged, which was actually a common problem of banks and banks in the early days.

However, from the very beginning, Zhao Xin established a modern banking policy, and the bank's income came from loans, as well as some investment income, which was much higher than ordinary lending.

For example, the interest rate of three thousandths a day, and a year down, it is almost 100% usury, this money, for ordinary people, will become a nightmare-like existence, will always be swirling around their heads, until the last drop of their blood is drained.

However, for the high-speed development of industrial enterprises, this is no problem at all, for example, these industries in Dingjun, even if it is a small garment factory, with an investment of about 500 yuan, but the output value can reach hundreds of millions of yuan a year, and the profit is more than 10 million, and the income is twice as much as a year, and there is absolutely no problem in repaying the loan.

Interest-free loans, after all, are a minority, even if they are all the Northern Song Dynasty dispatch workers, they all take out loans, and if the average loan is 1,000 guan, the total amount is only more than 30 million, which is not a big sum for the current Northern Song Dynasty, and it is even more inconspicuous in the Dinghai Navy.

These Northern Song Dynasty laborers, they can't understand why they will give them interest-free loans, but this is definitely a good thing for them, these level 2 technicians, their monthly salary is more than 100 yuan, even if the loan is 1000 yuan, it will only be paid off in 10 months, and it is a huge temptation for them to obtain the right to live in these buildings a year in advance.

The buildings of the Dingjun Navy are different from their houses in the countryside or the slums of Bianliang, they are spacious and bright houses, not only thick and beautiful, with heating, but also glass windows and many electrical appliances, and they have only been in Shenyang for so long before they figure out how these electrical appliances are used.

Such a house may be much more expensive than a house in the countryside, but this is a spacious and bright building in the middle of the city, which is enough to make them make up their minds.

A house was bought, some factories provided housing, and some bought commercial houses next to it, and for these laborers, whether it was with these workers in Shenyang or from the Northern Song Dynasty, when they encountered, the biggest topic was where to buy furniture, or what should be added to the home.

Diao Xiaoyu is the same, he spent almost a week or so, all over the many furniture wholesale markets in Nancheng, as well as various home appliances and small household appliances markets, after walking around like this, he accompanied the house with all kinds of attached furniture and various electrical appliances.

Looking at the empty room, it is full of all kinds of furniture and appliances, and after having all the functions, the home is complete, and the one who has his own residence is still complete in all aspects, and I feel that it is a lot more convenient, and now, there is only one person in the house.

The workers in the daily chemical plant, the vast majority, have been solved, the wife and children are hot bed, this is the life of the workers going home, perhaps, in two months, when he returned to Bianliang during the Spring Festival holiday, he can also enjoy such treatment, Diao Xiaoyu is a longing.

The Northern Song Dynasty Embassy, at this time, all the rooms were used, and even prepared to apply, the surrounding two buildings, are included in the scope of the embassy, the navy in all aspects of the system is very perfect, especially in the industry and personnel management, the Northern Song Dynasty embassy's biggest job at present, is to rely on the dispatch of workers, with the navy docking, in this case, they have also learned a lot, to achieve a relatively perfect system.

In the past, the Dinghai Navy had no money, even if it was the office expenses of the embassy, it was also dependent on the Dinghai Navy to allocate 3 million yuan a year, which was very large, and the previous envoys were also ready to save this money and use it to supplement the Northern Song Dynasty.

However, with the increasing number of various jobs, especially after the dispatched workers sent by Kaifeng Prefecture, there are more and more jobs that need to be done, and in this case, the personnel began to swell, and the expenses began to appear.

In the beginning, the embassy covered the expenses of these dispatched personnel, but when the management fee increased and the number of things increased, it no longer paid for it.

Among the embassies, there are 3 percent of the personnel, are the dispatched personnel of the states and counties, and their annual expenses account for half of the embassy's appropriation, as high as 1.5 million, this money, for the embassy, is a big data, but for these states and counties, it is nothing, from the management fee can be extracted, on average, each road, almost 50,000, if it is divided in the county, it will be less.

This is also the basis for the embassy to be wealthy, the balance of 1.5 million guan, when the income of the Northern Song Dynasty continues to grow, and there is no need to return to the Northern Song Dynasty, it will be used to expand, so that the office conditions are also better.

According to the current situation, at least about 40 people are dispatched to each road, basically a person will be sent to a larger county, and some counties with a large population will also send one, and there will be at least about 30 people on a road, plus the management personnel of the road itself, 40 is considered less.

How many roads were there in the Northern Song Dynasty, initially more than 20, and later increased to more than 30, adding up to more than 1,200 people, if you add the number of more than 2,200 people who originally belonged to the embassy district, even a 9-story office building cannot accommodate so many people.

The most important thing is that the focus is different, the work structure of the embassy district is completely different from those dispatched personnel, living together, mutual influence, if you can get the 7-story small office building facing the embassy district, it should be able to support the office of these personnel, and it does not affect each other.

The price of real estate in the navy is average, about 5 runs, commercial real estate will be much more expensive, at the same time, there is no problem with the location of ordinary residences, but commercial real estate has, in the embassy area, belongs to the outer side of the ring, its commercial area is very few, and it is also very expensive, the price of all buildings, each square meter is about 70 runs, this seven-story office building, there are about 30 offices on the first floor, plus corridors and various ancillary facilities, the area is about 1200 square meters, 7 floors, it is about 8400 square meters.

According to the price of 70 guan per square meter, the total price is less than 600,000 yuan, which is not a lot of money for the previous embassy, let alone now, with a huge saving embassy.

However, after explaining the situation to the various personnel, the personnel from all walks of life objected to this approach, because they did not want to be in the embassy district.

The embassy area is specially divided from the Dinghai Navy, and the location is relatively good, and it is relatively close to the center of the Dinghai Navy, and it is easy to contact the center, and the time to various ministries and commissions is also relatively fast and easy.

However, for these officials who manage the dispatch of workers, this position is a bit far away, Shenyang's functionalization, various management departments, is in the core area of the first and second ring roads, including the imperial palace, the third and fourth ring roads are commercial areas and some relatively pollution-free, small factories, these factories have high technical indicators, the personnel of the Northern Song Dynasty, for the time being, are not qualified to enter such factories.

In Shenyang, the factories that the Northern Song Dynasty dispatched personnel are qualified to enter, are outside the Fifth Ring Road, those places, from here, at least more than 10 kilometers, each time, as little as 40 minutes, more than an hour, back and forth are wasted on the road, if there is a traffic jam or rush hour, this time, will be several times.

If it is outside Shenyang, it is even more troublesome, the railway station is not in the city center, the direction of the railway station, and the busiest and most lively place in Shenyang, in this place, go to a traffic jam once, each time it takes more than 2 hours.

If they can choose, they will definitely not choose here, but will choose, a few kilometers south from the place where Diao Xiaoyu once lived, where is the logistics center, with a lot of logistics carriages and other carriages.

Where to get to the factory area of the 5th and 6th Ring Road, not to mention the nearest southern area, it is easy to get there, even if it is to other places, take the outer ring such as the 5th and 6th Ring Road, go around, at most it is about 1 hour, and you will not encounter traffic jams at all.

As for other places, from the southern district, it is a logistics center in itself, although there is no passenger railway station, but there is a small regional railway station, which can reach every railway station in Shenyang through the regional train, so that the time to take the train will save a lot.

Such reasons were sufficient, and the envoys of the Northern Song Dynasty, after careful consideration, agreed to such a request and reported to the Dinghai Navy.

Of course, the Dingjun agreed, this is for management, and it is not for them to allocate places, but to spend their own money to buy, even if the Dingjun has restrictions on real estate, but there is no such restriction on commercial real estate, the commercial area with a better location, relatively speaking, the price is relatively expensive, but the location is more remote and cheaper.

Around the Sixth Ring Road, in the commercial area of the logistics center, even, they do not require a commercial area, as long as it is a floor that can be officed, after choosing a large steel structure factory, after dividing and arranging, the Northern Song Dynasty Labor Export Bureau was officially listed.

There are a total of 4 floors of steel structure, are at least 2,000 square meters of large-scale factories, a total of 4, a total area of 32,000 square meters, but the price is very cheap, the price to the Northern Song Dynasty is still a high price, but the price of 7 per square meter, the total investment plus decoration, is not more than 250,000 yuan.

This money, not to mention in the Labor Export Bureau, even in the embassy, can easily take out this money, and the renovation will be completed soon, this part of 1,200 people, plus the embassy sent more than 20 management and liaison officers, even if it is officially listed.

It's a pity that they didn't find out at all that although the matter of the fixed-scale interest-free loans issued by the Navy is now hundreds, in the next month or two, as these cadets enter the second level, there will be more and more, and the coverage will be more.

The first thing that this labor export bureau did when it was established was to apply to the Northern Song Dynasty in the name of their respective prefectures and counties, and to send enough personnel to come over as quickly as possible.