Like Huang Zongxi, there are many people who have obtained loans from the Royal Bank, and many landlords have just paid the tax arrears, and now they have to pay this not low deed tax, and they feel that their money is a little tight.

While they were scolding their mothers in their hearts, the branches and branches of the Royal Bank followed the instructions above and took the initiative to provide loans to these landlords and gentry.

In fact, apart from them, ordinary people do not need loans, because although they also have to change their deeds, they are basically exempt from taxes.

The richer the landlord, the more blood will come out this time.

Ni Yuanlu, the imperial historian of Zuodu, had just paid 20,000 yuan in tax arrears last time, and made up for the deficit of 10,000 yuan, and the emperor gave him 10,000 yuan a year to raise incorruptible silver, and he had to pay 1,000 yuan of personal income tax a year.

A few days later, another letter came from home.

Thanks to the spread of the postal system, the letter was sent to Beijing by mail ship and was quickly delivered to him. After reading the letter, Ni Yuanlu sighed.

According to the letter written by his family, even if he is a dignified Zuodu Yushi and one of the Great Nine Emperors, he will not be able to avoid this deed tax. The Ni family has a lot of land, more than 20,000 acres of land alone, plus other industries.

This time they want to change the deed, and the deed tax they need to pay has reached a staggering figure of 100,000 yuan.

Although he knew that this was a one-time tax, and it was also a forced tax imposed by the new imperial court on the rich families in the world, Ni Yuanlu was still distressed. 100,000 yuan, you can buy one or two thousand acres of land.

But this tax will not be paid back.

Scholars everywhere were disqualified from the imperial examination if they did not pay this tax, and if officials did not pay this tax, they were dismissed from office. Ni Yuanlu felt that this official was not bad now, at least much easier than Chongzhen. The salary doubled, and then as a Beijing official, he still held a double salary, which was equivalent to a fourfold increase. There is still 10,000 yuan of incorruptible silver every year, and even part-time jobs have a salary, not to mention that he also has a knighthood, and he also has a salary.

He was still thinking about a few years. is expected to enter the cabinet, and the official residence is a product, how can he be dismissed.

But 100,000 yuan is indeed a lot, especially not long ago, I took out more than 30,000 yuan.

Fortunately, there are bank loans, low-interest mortgages, which really solve the immediate need. At this time, Ni Yuanlu didn't feel sorry for the interest, and directly borrowed 100,000 yuan from the bank, and endured the interest.

All over the world. There were many gentry, officials, and landlords such as Huang Zongxi and Ni Yuanlu.

The emperor wanted to levy this property tax, and he wanted to shoot at the rich landlords, but the emperor was very accurate with this knife. The tax levied is not too much or too little, but it is stuck within the range that everyone can barely accept.

If you levy a little more, you won't be able to pay the tax, and you won't be willing to pay the tax. And now the number levied by the imperial court, everyone can still come up with it through gritted teeth, especially since the emperor also provided a way to take out a loan.

If you transfer the deed tax from the bank loan and pay this deed tax, the interest is not too high.

Quite a few people whose minds are alive. Even if you have money, you have to take out a loan, just to take the bank's low-interest commercial loan to make your own operating capital, use it for investment or directly use it to lend.

After all, a bank of the size of the Royal Bank. will be so low interest. In addition to the Royal Bank, there are now many silver banks, silver banks, money banks, money shops, and even pawn shops, money and rice shops, and so on. They are all engaged in deposit and loan exchange business.

Even the capital of many pawnshops comes from bank loans, and the interest rate when they operate is certainly not as low as that of banks. The imperial court only stipulated that the annual interest should not exceed 18 percent. But the interest rate of the Royal Bank is only 10 percent for five years.

Therefore, the shorter the loan, the smaller the loan, the higher the interest rate. It's just that the Royal Bank is all about commercial loans, not small loans, and this blank area is just occupied by those money banks and pawnshops.

Money banks borrow from banks, and the interest rate is higher than that of personal loans. It's still profitable, and businessmen don't think much money.

Now that the Royal Bank has offered this low-interest loan, without restrictions, those people are certainly tempted.

As a result, many landlords and merchants took out large loans from the Royal Bank, and then used them to invest in pawnshops, etc., or directly lend money to earn interest differences.

This problem also occurred in the Royal Bank a long time ago, but after reporting to the emperor, Liu Jun was supportive of this behavior. Anyway, it's all mortgages, and it's all high-quality mortgage assets like land, so what is the Royal Bank afraid of.

In fact, large banks such as the Royal Bank are still partially central banks themselves. With his large scale and financial resources, he is also the lending bank of those money banks.

These smaller banks were subject to the supervision of the Imperial Bank, and they were required to deposit a certain percentage of their deposits with the Imperial Bank as a guarantee. And their ability to absorb savings is not as good as the Royal Bank, so the funds for lending are becoming more and more insufficient, and they need to borrow from the Royal Bank at this time.

And for the Royal Bank, this is also an investment, lending to these silver banks, the interest rate is high, and the profit is naturally high. On the other hand, the Royal Bank only makes commercial loans, and these small loans are handed over to these silver banks, which also saves things and can make profits from them, so why not.

However, this is also the last time Liu Jun relied on the power of the state to collect heavy taxes from these rich people. After that, everything is equal, and taxes are collected according to the law.

However, this deed tax will also allow the imperial court to get a huge amount of money.

The Audit Office has made a budget that this time the land deed tax will reach a staggering figure.

There are 1.2 billion mu of land in the world, and if the official land is excluded, then the number of private fields will reach at least 700 million. Although the price of land is high and low, in Susong and other places in the south, one mu of paddy fields may reach 100 yuan, while in the north, especially in the frontier and other places, there may be only five or six pieces of land per mu. But even if the average is 10 yuan per mu, 700 million mu is as high as 7 billion, and the deed tax of 8 percent is 560 million.

However, for the people with less than 100 acres of land are exempt from taxes, so only about half of the 700 million acres of private land may be taxed.

If you add the contract of the house shop, it is quite considerable.

According to conservative estimates, it may eventually reach around 300 million silver dollars.

In the so-called prosperous era of Kangqian in history, in the middle of the most prosperous Qiankun period, the state treasury only accumulated 80 million taels of silver, which was converted into more than 100 million silver dollars.

And Liu Jun changed a contract, and he earned 300 million yuan.

It's a real trick.

Emperor Wu of the Han Dynasty at that time, it was with a single move that he supported his continuous use of troops against the Xiongnu.

However, this kind of wealth redistribution is also very normal for the change of dynasty. As long as you grasp this degree. Don't be afraid of chaos. On the other hand, Liu Jun also wants to use this to warn all gentlemen, merchants, and landlords that now that it is a new dynasty, who dares to continue to mess around, then he has done the first day of junior high school, and he has done even more fifteen.

With such a large amount of income, Liu Jun didn't plan to put it in the warehouse to become moldy.

What is taken from the people must be used by the people.

And the imperial court is in need of money now, not only the current wars, but also the establishment of a standing army in the country. This expenditure will be nearly 100 million silver dollars per year.

In addition, since the late Ming Dynasty, the Ming Dynasty officials have been corrupt, and the river management and water conservancy maintenance in various places have been stopped for many years, which has also led to nine disasters in ten years.

The imperial court wanted to take out the silver to repair the Yellow River, the Huai River, and the big and small rivers in various places, which were all a large amount of money and grain expenditure.

And now Liu Jun has another plan that needs more money, that is, to immigrate to Shibian.

The imperial court established Hainan Province, Taiwan Province, Yanbei Province, Monan Province, and Suiyuan Province. There are not many people in these places, and a large number of people need to be relocated in the past, and even Liaodong and Liaoxi are still empty. It takes a lot of people.

The population of Damin is 200 million, but the land is only 1.2 billion mu, with an average of 6 mu of land per person, and there are many provinces with very little arable land. The Central Plains is already quite saturated.

If you don't emigrate, a catastrophe and famine may cause a ****** like Apocalypse Chongzhen. Then countless displaced people fled, and then there was bound to be a rebellion of the displaced people.

Now that the army has laid down a large territory, the imperial court has immigrated to the real border, which not only expands the border, but also reduces the population and situation of the Central Plains. But immigrants need money, and they need a lot of money. In particular, Liu Jun is very ambitious, he does not plan to move 100,200,000, nor is he satisfied with moving 1,200,000, Liu Jun plans to continue to emigrate to the border provinces, so that each province has at least 10 million people.

In his plan, the imperial court will immigrate at least five million people a year in the future.

And to accomplish this plan, the amount of money needed is enormous.

You can't just send people to the frontier with a relocation order.

We have to make all kinds of preparations, prepare houses, production tools, and daily necessities for them, and also prepare for their migration, provide chariots, horses, food, and so on.

Such a migration will be a big project.

There will also be countless money and food, and the deed tax that Liu Jun insists on leviing is actually preparing for this immigration.

In the past few years, Taiwanese immigrants have reached nearly five million people. But this is because of the war and famine in the Central Plains at that time, everyone could not live in the Central Plains, as long as there was food to eat, there was some hope, even if they were willing to cross the ocean.

In addition, from Fujian to Taiwan, it is actually quite close.

In addition, Taiwan has a good climate, and immigrants will reap the harvest while cultivating in the past. But when I went to Liaodong and Liaoxi, Yanbei, Monan, Suiyuan, these places, one came far away, and the other was difficult to reclaim the famine, not for two or three years, but I was afraid that the immigrants would not be able to support themselves, which required the imperial court to transport food tools and other materials all the time.

However, no matter how many difficulties there are, Liu Jun is still firm in this plan.

There are too many people, and too little land, and the Central Plains cannot afford such a large population.

Historically, the war at the end of the Ming Dynasty reduced the population to tens of millions, which allowed the Qing people to develop in the customs. Now that the war has subsided and the region is slowly regaining stability, the population will only grow, not suddenly and dramatically.

Liu Jun not only planned to emigrate to the north, but also to the southwest.

The Yunnan-Guizhou region, in fact, really became the territory of the Central Plains Dynasty in the Ming Dynasty. Prior to this, it had been the state of Kin, under the de facto control of the natives. The Southern Zhao Kingdom and Tubo in the Tang Dynasty, and the Western Xia and Dali in the Song Dynasty were all the same.

However, the expansion and development of the Central Plains Dynasty from generation to generation and the continuous squeezing to the southwest also made the actual control of these areas continue to be strengthened.

Although the Ming Dynasty later lost Jiaozhi and Liaodong, Yungui still had a firm grip.

But there are still very strong indigenous people in these places, in the more than 200 years of the Ming Dynasty, the southwest Tusi also broke out several major rebellions, although finally quelled, but these local indigenous forces are still strong.

How can we control these places more effectively?

In Liu Jun's view, there is only one best way, and that is immigration. In the past, when the number of Han Chinese reached a certain proportion, or even exceeded that of the natives, then as for thousands of years, the final result would inevitably be the assimilation of these natives by the Han Chinese.

For these, Liu Jun unswervingly implemented this deed tax, whoever dares to resist the tax will be killed and will not be polite. (To be continued.) )

PS: Thank you for your support, thank you for your support!