Thinking so in his heart, Diao Xiaoyu was also very curious, what was going on with this so-called interest-free loan of the Dingjun, and took the document handed over by Xu Ming, the top was a form, mainly to fill in some basic information and the like, such documents, he has signed a lot, for example, when obtaining the qualification of a 123-level worker, he has to fill in the application form, and then the final certificate will basically be issued to him according to the information he filled.

This form, not to mention for the time being, Diao Xiaoyu directly opened the form, and looked directly at the red-headed document below, the red head marked above, and the seal, which was jointly signed by the Ministry of Industry of China and the China Banking Regulatory Commission, which is very in line with the regulations and has a strong legal effect.

Seeing Diao Xiaoyu pick up the document, Xu Ming's face showed a smile, the terms of this interest-free loan are very good, and there are not many restrictions, if it is not only for the workers of the Northern Song Dynasty, he wants to apply, for the residents of Shenyang, the loan is already a very familiar thing, but the procedures in all aspects are relatively strict, and ordinary people, that is, when buying large items, for example, will use this loan for the house.

This document is not specifically issued for Diao Xiaoyu, even if Diao Xiaoyu is currently the first technician dispatched by the Northern Song Dynasty, he does not have this qualification, this document is for all dispatched workers, and it is also a series of routines for these Northern Song Dynasty dispatched personnel.

That's right, making money may not be able to trap people, many people, even if they live well in big cities, are also very profitable, once there is a certain dissatisfaction, or other emotions, it is very likely to leave, such a trapping method, not very stable, even if it is smooth sailing, when people reach middle age, or old age, they will also fall back to their roots.

Zhao Xin thinks about things very comprehensively, if he can, he will trap everything, and if he wants to trap people, he can use another method, which is very stable, real estate and debt.

That's right, the real estate tide of later generations has trapped many house slaves, and also tied them to death in Beijing, Shanghai, Guangzhou and Shenzhen, not to mention escaping, even if the job is slightly unstable, it will make a stable family fall into a desperate situation, and have to work honestly, and even sometimes, in the face of the dissatisfaction of the boss and the unsatisfactory work, will not easily quit the job, let alone leave.

The reason is very simple, sometimes, in the face of unequal treatment, many people will blurt out that resignation is just a matter of words, but after resignation, how to give housing loans and car loans after resignation, thousands of housing loans and car loans every month has always been a heavy burden, pressing on everyone's body, working hard, so that they can afford to pay back the bank's money.

It is from here that the inspiration is to guide this Yangmou project, high wages are only one aspect, and the next chain of means is almost endless.

First of all, no conditions are set, as long as you are willing to join the Dinghai Navy and register your household registration, as long as you register, you will become a new resident of the Dingjun, and the welfare treatment is the same as that of the Dingjun, and at the same time, each immigrant can get a low interest-free loan of 800 to 1500 yuan for the purchase of some necessities, especially houses.

If it is a family unit, each person can get about 800 yuan, and at the same time, if you are a family unit, you can get a low-interest loan of 1,000 yuan, that is, if you join the Dinghai Navy as a family unit, the total number of interest-free loans can be thousands.

This money is definitely not small, although the price of the navy is not low, but it is a little higher than Bianliang, but it is more comfortable, because all kinds of materials are very rich, as long as you want to get it, you can buy it, and at the same time, there are many innovative things, which greatly facilitate the life of the people.

Some of these personnel who were dispatched to the Dinghai Navy in the first batch were problematic, and there were many people like Diao Xiaoyu, but there were even more people who couldn't get by, and they were eager to change their lives and live a dignified life.

This idea, after arriving in Shenyang, can be achieved, as long as you work hard, you can get a salary, live a more decent life, and even in the future, when the family arrives, you can also live well.

Then, if you want to stay, housing comes first, and even if you don't have this loan, if these people can accumulate enough money, they will definitely buy a property.

Real estate, in later generations, is a pillar industry, real estate soaring, various local governments, also see real estate as a life-saving straw, the income from land purchases, how much local finances to support.

This point, in the Dinghai, does not exist, because of the large-scale construction of the relationship, the price of the house is not very expensive, even in the Dinghai, the land resources are less, Zhao Xin did not put his mind on real estate, this is the easiest way to get the money back in the hands of the workers, but I have seen the speculation of later generations, so that Zhao Xin understands that the house is for living, not for speculation.

In Dingjun, there are a series of solutions, for example, low-rent housing, public rental housing, but because the people have a relationship, or buy a house.

The price of the house is not expensive, the current price per square meter is about 5 guan, which means that it has been completely built and renovated, and you can directly enter the house you live in, that is, a three-bedroom and 150-square-meter house, that is, 750 guan.

It doesn't sound cheap, in the Northern Song Dynasty, you can buy dozens of acres of land, and even in Bianliang, you can buy a small house, but this is the Dinghai Navy, this is a building.

In principle, a bachelor can get a house with an interest-free loan, and have simple household utensils, for the premise of taking root in the Dinghai Navy, at least a first-class technician, there will be an income of about 800 yuan per year, excluding food, which is enough to save money for a house.

Of course, the Dinghai Navy, so that the people live and work in peace and contentment, the house is not for profit, for living, under the premise of the Dinghai Navy's small family, generally three generations, 150 square meters, almost enough, 4 bedrooms and 2 living rooms, with 4 master bedrooms, can live 6 to 8 people.

Of course, this is a relatively small house type, after all, in Dingjun, a family of two, with 4 children, is just the most ordinary, more than 8 have, if there are three generations of grandparents, such a room is not enough.

Of course, if you spread out, you can choose other houses, and buying a house is not a difficult thing, most of the salary for half a year, some high-tech jobs, maybe a month's salary, you can afford to buy a house.

The general mid-grade is 180 square meters and 220 square meters, and the larger ones even have large flats of 280 square meters and 400 square meters, which are the houses of the extended families.

Dinghai, in order to get rid of the clan power, has always paid more attention, so it is impossible to appear like a village, or even a large large clan, and there is generally only a direct family in the family.

But even if it is a direct line, three generations of ancestors, grandparents, parents, and children, and married brothers must be divided, then, at most, there may be a dozen, and this is where these houses go.

Of course, this time the residential buildings of the daily chemical plant do not exist so large, this is mainly for young workers, and there are no houses, there are not many big families, big families, and they will not choose to be in the factory area, the largest is 220 square meters, and the smallest is even more than 90 square meters.

After Xu Ming handed Diao Xiaoyu the document, he was waiting quietly, and in the room, there was not a word, only the sound of Diao Xiaoyu flipping through the document remained.

"I'm going to be naturalized!" After reading the whole document, after several months of training, especially in class, Diao Xiaoyu not only learned a lot, about mechanics, about industrial knowledge, but also added a lot of cultural knowledge, Dinghai, the requirements for mechanics, not just a variety of machinery, for comprehensiveness and pioneering, there are high requirements, in such requirements, it is necessary to master the commonly used Chinese characters.

Before Diao Xiaoyu, he had a relatively in-depth mastery, but now, in the professional and serious study, he has a better mastery, and he can read most of the documents smoothly, including some majors.

The document system of the Navy is simple and clear, without so many words, but it saves a lot of aspects, mainly in terms of data, which is very simple and clear, and some charts are clear at a glance.

According to Diao Xiaoyu's level, he can complete the loan with the highest level, that is to say, 1500 yuan, this money, not only can be used to buy a house, there is no problem, even if everything in the family is complete, there is no problem.

However, there is a prerequisite for all this, that is, naturalization, only after naturalization, can you participate in this loan, and at the same time, this interest-free loan can only buy everything related to the house or the goods of the navy, and cannot be directly taken back in cash.

This is, of course, to limit some, although it is said that hundreds or thousands of guan are nothing to the Dinghai Navy, and even these tens of thousands of people, all of whom have taken loans, it doesn't matter, this little money is not much, but if these people take loans and run to the Northern Song Dynasty and do not come back, then it will be troublesome, not the loss of money, but the loss of people.

Dingjun, I don't care about this money, but this money, falling to the people of the Northern Song Dynasty, is not a small amount, even if it is the smallest 800, among the entire Dinghai dispatched workers, in half a year, can accumulate so much, not one, even the best Diao Xiaoyu, after receiving many rewards, the total amount of money saved in the end is less than this money.

800 guan, enough for the price of dozens of acres of fertile land, this money is really a lot, there is really no limit, let them take it back, there is a short-sighted, take this money, go back to the local owner, or even become a farmer, maybe it will have a chain reaction.

Ding Haijun will definitely take into account this money, there will be a shortfall, and even this money, there will be a situation where it can't be repaid, but such a completely meaningless waste is definitely not possible.

Regulated, mainly real estate and household necessities, these things, can be taken away limited, there is a saying, there is no betrayal, because the price is not enough.

800 guan may make these people take risks, but most of the real estate that cannot be moved, at most you can bring some small things back, maybe it is expensive, a few, or even a dozen, for these dispatch workers who have a monthly salary of more than 60 or even 70 yuan, there is no need for this.

Xu Ming thought that Diao Xiaoyu was hesitant about naturalization, and hurriedly began to explain, but in the end, he found that Diao Xiaoyu was naturalized, but not because of worry, but because of happiness.

That's right, since getting the salary of the first month's promotion, Diao Xiaoyu is already ready to take root in Shenyang, and when he returns to Bianliang, what are they, memories of the past, or something else.

Perhaps, I worked in Shenyang for two or three years, earned a sum of money, and then returned to Bianliang and bought dozens of acres or hundreds of acres of land.

The price of fertile land near Bianliang is 2.8 guan in the official documents of the government, but it is the price of a large number of official sales, which is not the normal market price at all.

Think about it, according to the price of 700 wen per stone of rice, one mu of fertile land is only equivalent to 4 stone rice, less than one year's output, more than 2 years, is this possible?

Generally speaking, the price of land in normal transactions is more than 4 guan for dry land and more than 15 guan for good land, but if you have a deposit of 2,000 yuan, you can also buy more than 100 acres of land.

However, even if there are 100 acres of land, what can be done, a year's harvest, deducting the cost of long-term labor, that is, making the family worry-free, this used to be Diao Xiaoyu's biggest pursuit, but after arriving in Shenyang, his wishes and his pursuit changed.

100 acres of land, each mu produces 3 stone rice, regardless of the relationship between planting and cost, one acre of land can earn about 2 guan, so that the annual income is 200 guan, plus two seasons a year, and other miscellaneous income, the limit of income is about 300 guan.

In fact, it is far from so little, no matter how much it is reduced, for the expenditure of long-term workers, it is at least about 100 times earlier, farming is a hard work, and without enough workers, the output cannot be so high at all.

At the same time, in the harvest season and the green and yellow season, the price of grain is not the same, and the reduction of bulk sales, 300 guan, can finally reach 150 guan, it is already good.

If this money is placed in Bianliang, it will make Diao Xiaoyu wake up with a smile, once upon a time, he wanted to pursue the day, isn't it like this, he has no worries about food and clothing, and there is a lot of land, and he really became a landlord.

But in Shenyang, in Dingjun, last month, his monthly salary was 155 yuan, the full attendance award was 5 yuan, the job allowance and post allowance were 20 yuan, plus speeches and other additional income, it has exceeded 190 yuan.

Even if he doesn't have to buy land, even if he doesn't have to raise money, he doesn't have to wait until two or three years later, even now, he can get an income of close to 200 yuan, not to mention, when he passes the level 4 and 5 engineering exams, his income may be more than 200, or even more than 300 yuan, which is impossible to think of in Bianliang in the Northern Song Dynasty, but now, this money has been regarded by Diao Xiaoyu as a very small part of the money.