Chapter 310 Mortgage

Putting aside the reason for Liu Quan's surrender, since the day he joined the army, Liu Quan's heart has always been thinking that he wants to surpass his senior brother Li Beiyang in the water war, this deep-rooted idea has resurfaced at this moment, and listening to Kublai Khan's personal promise that he will fully support himself to build a water division, Liu Quan was very excited, and for a while he simply regarded Kublai Khan as Bole: "The Great Khan can rest assured, and the ministers should do their best to live up to the trust of the Great Khan." ”

Kublai Khan smiled: "Okay, Ben Khan is waiting for Liu Aiqing's good news, ladies and gentlemen, you don't need to doubt the important surname of the water master, one of the important reasons why the Southern Dynasty can survive under the several attacks of our dynasty is that its water division is strong." ”

The generals said in unison: "Yes, Great Khan." ”

From then on, Liu Cheng had no second heart for Kublai Khan, and did his best to build warships and train sailors for Mongolia.

"After talking about the cavalry and the sailors, Ben Khan will talk about his vision for the change in the formation of our army." Kublai Khan pointed to the map on the wall and said, "The army of our dynasty is divided into two parts: the central Su guard army and the local town garrison army, of which the Su guard army is composed of the guard army and the cowardly Xue army, which is responsible for guarding the Gyeonggi important land including Shangdu and Dadu, which remains unchanged, of course, in wartime, Ben Khan will make other arrangements, Ben Khan intends to expand the cowardly Xue army to 30,000 people, which is still under the command of General Boyan, and the guard army is renamed the left and right wing guard army, and the establishment is expanded to 50,000 people, which are led by Dong Wenbing and Zhang Rou respectively. In order to strengthen the army's combat strength and ability to coordinate operations, in addition to leaving a part of the soldiers to guard various places, Ben Khan initially planned to divide the garrison troops into three routes: eastern, western, and central. ”

"The East, West, and Central Army." Every man in the dark,

Kublai Khan continued: "The number of the army on the middle route is about 150,000, led by the two Aiqing of Ashu and Shi Tianze, the camp is located in the area from Luoyang to Dengzhou and Tangzhou (now Nanyang) in Henan Province, the number of the army on the east road is set at 80,000, led by King Hedan and Zhang Hongfan Zhang Aiqing, the camp is located in the area from Jinan Mansion to Tai'an Prefecture in Shandong Province, and the establishment of the army on the West Road is 70,000 people, led by the two Aiqing of Atahai and Ali Hague, and the camp is located in Xuzhou to Dali in Sichuan, that is, the area of Yunnan Province in the planning. The garrison of Sanlu Town was under the unified command of the two generals A Shu and Zhao Bi, and was controlled by the Privy Council, and in addition, the camp of the sailors Ben Khan was intended to be located in the area of Ninghai Prefecture (now Yantai, near Weihai) on the eastern coast of Shandong. ”

"Yes, Great Khan."

"The Great Khan divided the garrison army into three routes, and from the perspective of their respective camps, it was obvious that they were aimed at the Sichuan, Xiangfan, and Lianghuai theaters of the Southern Dynasties. After hearing this, everyone thought in unison,

Zhang Hongfan was young and vigorous, and asked: "The meaning of the Great Khan is that the three-way army will attack the Southern Dynasty. ”

Kublai Khan shook his head and said, "Maybe it's not three but four." ”

Zhang Rou looked at Liu Quan, her heart moved, and said, "Great Khan, it is not the water master who is also all the way." ”

Kublai Khan said with a smile: "Zhang Aiqing, how to crusade against the Southern Dynasty in the end, there is still no conclusion, and this matter will be discussed later." ”

"Yes, Great Khan." Zhang Rou said, "Great Khan, after the concentration of the garrison troops in various places, the guard force left behind in various places is bound to be greatly weakened, and the current situation in some areas is currently unstable, whether it is necessary to expand the army." ”

"Yes, this point Ben Khan has also thought about carefully, Ben Khan plans to set up ten thousand households in various provinces after the concentration of the three-way army, recruit local people from all over the country, enrich them into the auxiliary army, cooperate with the remaining town army, and gradually form local surname troops, while garrisoning the army, while guarding the town."

Zhang Rou pondered for a moment and said, "Yes, Great Khan, this method is feasible." ”

"Since the return of the emperor, the logistics and other miscellaneous matters have been handed over to the emperor and Zhenjin to be responsible, and today's meeting is only to discuss the improvement of front-end military affairs.

On the tenth day of the first month of the second year of Xianchun, the first court meeting after the Spring Festival holiday,

I sat on the golden steps of the Daqing Palace, and said loudly: "Ladies and gentlemen, I will tell you a good news before the start of the court, according to the latest statistics of the Ministry of Households, the total income of our dynasty last year increased nearly twice as much as the previous year, whether it is commerce, agriculture, handicrafts or export trade, the tax revenue of all walks of life has made great progress, and the development trend is more and more good, the population growth rate of our dynasty has finally increased last year after several years of decline, although there are many northern Han people who came, However, the overall situation has become an upward trend, and there is great progress in other aspects, I will not talk about them here, these progress is thanks to the efforts of all Aiqing, I hope that everyone will continue to work hard this year, maintain the strong fighting spirit of last year, and achieve the set goals of various industries and departments such as doubling the tax revenue this year, everyone, the abundance of the national treasury and the growth of the people are the foundation of the stability of our dynasty, and also the basic guarantee of the Northern Expedition in the future, I am deeply gratified by this. ”

"Congratulations to Your Majesty, congratulations to Your Majesty."

"Hehe, Tongxi, Tongxi, Ladies and Gentlemen, since I ascended the throne, I have a strong enemy against Mongolia outside, and an economic recession inside, so I have always been trembling, not daring to have the slightest relaxation, for fear of losing the trust of the first emperor, the hope of the people, for more than a year, fortunately, the government and the opposition are united, our dynasty has taken the first step towards Zhongxing, however, Mongolia has not been destroyed, our dynasty still needs to work hard, today is the first day of the government, from today to the fifteenth day, I want everyone to adjust their mood and mentality, with full passion to welcome the New Year's affairs."

"Yes, Your Majesty, your ministers obey."

"Today's court meeting has two things, one is that I plan to build a batch of welfare houses this year to provide to the officials who have no housing in Lin'an, of course, this welfare housing is not provided free of charge, you can choose to rent or buy, the rent of rent will be much lower than the rent in the market, and for buyers, you can take the form of mortgage, guaranteed by Yinzhuang, and buyers can pay in batches and month by month."

Ruan Dengbing hesitated for a moment and said, "Your Majesty, what is a mortgage." ”

The word "mortgage" originally originated in Western countries, and originally meant to belong to a legal relationship in the Anglo-American system of equilibrium law, which was introduced into the domestic real estate market from Hong Kong at the end of the twentieth century.

"Ladies and gentlemen, I know that everyone doesn't understand very well." I smiled and said, "This is also a way that I came up with during the Chinese New Year, simply put, the mortgage is a way to spend in advance for those who are not able to buy a house and want to buy a house, and it has a lot to do with Yinzhuang, I will give an example to illustrate, for example, the price of a house is 1,000 Chinese yuan, and a certain official is currently only 500 yuan, so he can't buy it, but this official's monthly salary is 200 yuan, in addition to the usual expenses of 100 yuan per month, you can have a surplus of 100 yuan per month, Under normal circumstances, he would not be able to buy the house until five months, and if he is mortgaged, then he can buy the house now. ”

Ruan Teng Binh asked, "Your Majesty, how can he buy it, he still only has five hundred yuan." ”

"Yes, he does only have 500 yuan at present, this is the mortgage effect associated with Yinzhuang, first of all, Yinzhuang as a guarantor, to the owner of the house to pay the full amount of the house, the purchaser paid to the owner or Yinzhuang 500 yuan, you can get the house from the owner, have the right to use, but the ownership of the house belongs to Yinzhuang, after that, the buyer pays 100 yuan to Yinzhuang every month, five months later, the cumulative payment of 500 yuan, Yinzhuang will transfer the ownership of the house to the buyer, among them, Ruan Aiqing will definitely think, How can the silver village make a profit, which requires the buyer to pay additional interest in addition to the house payment, that is, the buyer should pay 100 yuan per month and relative interest. ”

Ruan Deng Bing said: "Your Majesty, the minister generally understands that there are many similarities between this and mortgages. ”

"Exactly, the extra interest is very low relative to the cost, as long as the purchaser is a little thrifty, he can save it, so that the original owner, the bank and the purchaser are all happy."

"Your Majesty, does the first payment for the house have to be fifty percent, and how should the interest be determined."

"Ruan Aiqing, the specific rules are formulated by your Yinzhuang, not every buyer has fifty percent of the purchase price in advance, I think you can consider it comprehensively according to the buyer's salary, credit, age, etc., as for the interest, you can refer to the deposit and loan interest rate of Yinzhuang and the length of the buyer's mortgage time to formulate."

Ruan Dengbing nodded and said, "Your Majesty, what if the purchaser doesn't pay it back when it expires." ”

"The silver village can repossess the house according to the agreement between the two parties, as the silver village, it is not without risk, if the house is repossessed, the house price will fall to bear the risk of falling prices, so the risk and benefit coexist, for the mortgage of the welfare house, it will be temporarily tried exclusively by the Great Song Dynasty Royal Silver Village, if this method is feasible, I will promote it in the people, and at the same time, I will also let the law department draft the relevant laws to ensure the interests of the owner, the silver village and the buyer."

"Yes, Your Majesty."

"Also, the price of the welfare housing I mentioned for the officials of the DPRK and China will be lower than the market, and the interest will be borne by the imperial court, which can be regarded as the welfare I give to you."

"Mortgage, then I can buy a house too."

"According to Your Majesty, I will soon be able to have a new house to live in, and as long as I work hard for a few years, the house will be my own." Many young and middle-aged officials who have no houses are thinking about it in their hearts,

"Mortgage, early consumption, how did Zhao Yu come up with this." Jia Rudao raised his head slightly, and subconsciously looked at the golden steps,