In fact, according to the original plan, the funds needed by Guanlou Village are completely sufficient, and there is no need to borrow 300,000 yuan from Qianzhuang.

It's just that I have to set sail for it.

In fact, there are loopholes in any laws and regulations, let alone those formulated by people like Wen Qihang who do not have much contact with the loan process.

He really didn't expect that someone would take out a loan from the bank with an annual interest rate of 30%, and then resell it at the market price of 20% or even 30% per month and then lend it to someone else. Although the guy who turns over also takes a certain risk, he can earn more than ten times the net profit as soon as he changes hands, which is enough to make people risk losing their heads.

I wanted to revise the loan policy, but the money bank had just been launched, and the renovation clause at two ends in three days was really not conducive to the future development of the money bank.

If a person does not have faith, he will not stand, and the same applies to business.

In desperation, Wen Qihang had no choice but to lend out all the money in the money village for his own use.

Now Wen Qihang can only hope that after a period of time, he will improve the terms of the bank's loans, and lend the money to those who are really in need, instead of lending it to usury dealers.

At the very least, the borrower should provide a complete business plan and have someone to monitor whether the funds are being used according to the plan.

"Now that we have built a house, we can live in one by one, so there is really no need to build it again, right?" Zheng Zhutou frowned.

Originally, he had some opinions about Wen Qihang's loan, but now he heard that Wen Qihang actually wanted to use all the money to build a house, which made him even more dissatisfied.

The current house, the students can't live in one household, and whoever builds it to live in, it is difficult to sell it in the wilderness of Guanlou Village. Anyway, in his opinion, Wen Qihang is now very sick.

"It's not for us to live, it's for sale." Wen Qihang explained. Since 300,000 guan has been loaned, it cannot be idle forever, otherwise the interest will be paid in vain, and the meaning of the existence of money will be lost.

"Sell!"

Zheng Zhutou was really a little surprised. According to the calculation of 300 guan to build a three-story small building with a yard now, 300,000 guan, at least a whole thousand sets must be built.

That's a thousand sets! It's covered, who will sell it to? Villagers of Guanlou Village? Let's not talk about whether they can afford to buy it or not, even if they buy it all, it will only digest a hundred or so households, so what about the rest!

"That's right." Wen Qihang smiled.

"300,000 yuan, at least 1,000 houses must be built........ Who do we sell to? Zheng Zhutou felt that his heart was hurting.

"Well, there are no 300,000 guan, only 200,000 guan........" Wen Qihang said slightly at the corner of his mouth. After all, 80,000 of them were lent to the county lord of Yongwang's Mansion who resembled Ping Shiyuan, and it was in an interest-free way. This made Wen Qihang a little painful, after all, he was going to give interest to Qian Zhuang.

"Then there are at least 700 sets!"

Zheng Zhutou's tone became sharp. He didn't think 300 sets were good news at all.

"Okay, Lao Zheng, you have made progress, it seems that you have been studying this recently, and you have learned well." Wen Qihang praised.

"........" Is this a key point to focus on? Wen Qihang opened the topic, Zheng Zhutou really couldn't bear it.

"Who are we selling so many houses?" He reiterated again.

Wen Qihang sniffled and said, "Of course it's rich." Nobles, families, officials, and wealthy merchants........"

"But why did they come to us to buy a house?"

Such an expensive house, fools know that only rich people can afford it, and it is difficult to sell it to those poor ghosts. For Wen Qihang's explanation, Zheng Zhutou was completely dissatisfied.

"Because we will be very prosperous here in the future, it will be a good place for leisure and retirement."

"In the future?" Zheng Zhutou keenly grasped the key words in Wen Qihang's words. In the future, who can say for sure, if it will take a hundred years! I'm afraid the house is collapsing.

"When will it be?" He decided to ask anyway.

"I can't say for sure." Smelling Qihang, he smacked his lips.

"What should I do with the built house?" This is also too unreliable, Zheng Zhutou now feels that not only his heart is hurting, but his whole body is hurting.

"Of course it's for sale!" Smell the sail and say easy.

"........" can't keep up with this idea at all! Zheng Zhutou struggled: "The key is who will buy it?" ”

"Didn't you say it just now, rich people, nobles, and ........ families" Wen Qihang glanced at Zheng Zhutou and said.

“........”

What's going on with this idiot-like look! Don't you know that you are going to sell to rich people? The point is why rich people come here to sell their houses! Zheng Zhutou said weakly: "Sir, this, I know this, it's just those rich people, why do you want to come to us to buy a house?" ”

“........ Because in the future, we will be very prosperous here, and it will be a good place for retirement and leisure. ”

"........" car talk, is it interesting? Even if the order of a few words is changed, it doesn't mean that the meaning has changed! Is this playing fool for yourself? Zheng Zhutou felt his whole body moan.

"Sir........"

Wen Qihang sighed, and said helplessly: "What about this capital, well, that is, real estate, is actually a concept, a speculation concept, you know?" ”

“........”

What the hell is a concept? Zheng Zhutou shook his head stupidly to indicate that he didn't know.

"Look, I said it, and you don't understand it either." Smell the sail stall.

“........”

After feeling for a long time, the reason why Wen Qihang is reluctant to say it is because he is too stupid?

“........ Today, I, Lao Zheng, will learn from you, my lord, and I will learn for a long time, and I will always be stupid like this, and it will be too boring to live. Zheng Zhutou gritted his teeth and said.

"It's rare to be confused in life, and it's too clear to live and very tired." Smell the sail and persuade.

"It's okay, it's okay, sir, tell me carefully. Didn't you say it all, this person, you have to keep improving yourself. Zheng Zhutou shook his head vigorously.

"Well, since you can't think of it yourself, I'll talk about it. This concept of speculation is actually to take things that will happen in the future or some objects to the present and sell them. Since it is a thing of the future, enjoy it now, even if it is just a preemption in advance, it will have to be paid, and it will have to be a large price........"

“........”

What the future, the present, Zheng Zhutou listened to it dizzily. What he is most concerned about is why rich people come to Guanlou Village, a poor and remote area, to buy a house.

"In this way, sir, you will tell me clearly, when will our house be sold?" The twists and turns were not Wen Qihang's opponents at all, and Zheng Zhutou still decided to be practical.

"Tomorrow, if it's a bit of a rush tomorrow, it'll be a few days. Prepare your materials these days. Wen Qihang groaned and said: "It's set at the beginning of the month, first claim the chips and get the ........."

"What do you mean........ At the beginning of the month, we will start selling? Zheng Zhutou was stunned for a moment. Although he didn't understand what it was, he still understood the meaning of Wen Qihang's words.

"Hmm." Wen Qihang confirmed.

"But, but the foundation of our house hasn't been laid yet!" Zheng Zhutou grinned.

"So the buyer doesn't have to pay the full amount, just pay a deposit first, and it's not too late to pay the full amount after the house is built. However, after the construction is completed, if you don't want it, the deposit will not be refunded. ”

"How much does the lord plan to sell the house?"

Zheng Zhutou finally felt relieved, and this is fine. If you only build a house for those who pay a deposit, you don't have to worry about losing money. If there is one who pays a deposit, he will build one, and if there are ten people, he will build ten. Even if someone repents, at most they will build a few more, and there is a deposit, so they won't lose much.

"It's just 3,000 yuan, it's too expensive, I'm afraid I can't buy it now." Wen Qihang pondered. Guanlou Village, after all, is still too remote. If it is placed in the future generations, according to the distance from here to Jingshi, it is at least above the five rings, where every inch of land is gold, but it is a pity that it will not work now.

"Three thousand, wouldn't it be too expensive........?" Zheng Zhutou's voice trembled.

Three thousand! Even if you only pay a deposit, there are 300 yuan! At least not at all! If someone repents, it would be good to make a net profit.

"This price is already very kind, at least half cheaper than Jingshi, this is still this year, if it is next year, it will be sold for at least 6,000 guan, and the year after tomorrow, hum, if there is no 10,000 guan, you will not be exempted from opening your mouth."

“........”

I was so stupid and naïve, I smelled that this profiteer set sail, how could he do a loss-making business. Zheng Zhutou couldn't help but swallow a mouthful of spit, that's ten thousand! Smelling the tone of Qihang, it was as ordinary as the big family slaughtered a chicken, duck and goose.

"Can you sell it?" Zheng Zhutou said worriedly. At first, he was worried that he wouldn't even have his pants left, but now he began to worry that he wouldn't be able to sell them, after all, it was too expensive.

"What do you mean can be sold?" Wen Qihang said dissatisfiedly: "We not only have Derentang here, which is convenient for medical treatment, but also Guanlou Village City, this kind of commercial facilities, and the Phoenix Grand Theater, this kind of leisure and entertainment venue, as well as Fengxian Yipintang, such a seven-star restaurant, and in the future, Qianzhuang will also open a branch here, and more importantly, we are a school district house here!"

School district room, do you understand! ”

“........”

I didn't understand what Wen Qihang was saying at all, but he looked confident. Anyway, you just can't lose money. If you go with him to toss, Zheng Zhutou is a lot more relieved.

(End of chapter)