Hearing He De say that the interest rate would increase, Lu Chengqing was not surprised.

He was even more relieved!

In addition to such things as disaster relief and wars, it is impossible for the imperial court to do loss-making business, and even more so His Majesty Li Er.

It would be outrageous if one day the imperial court was so kind that it heard before that it would open a bank to borrow money and grain and only charge a cent of interest.

On the contrary, it makes people suspect that there is fraud in it!

Seeing He De stop again, Lu Chengqing continued to urge:

"Father-in-law, how much you have improved, you can talk about it."

"If my family has such an urgent need, I borrowed money from there to solve the urgent need, and I will definitely not forget your good!"

He De sighed:

"Take silver, for example."

"If it is more than ten taels, between one hundred taels, the interest for one year is three cents, for example, one hundred taels is one hundred yuan, and the interest is three hundred yuan."

"One hundred taels to one thousand taels, that's five cents of interest."

"One thousand taels and ...... up"

"It's one percent interest."

"You should be able to calculate that if you borrow ten thousand taels of silver, you will have to pay one thousand taels of interest in a year!"

"In exchange for grain, this interest rate is also increasing step by step."

"Ten to one hundred stones is three points, one hundred to one thousand stones is five points, and the last thousand stones up is one percent."

"Alas......"

"County Prince, it's good that you know this yourself, but you can't spread it out!"

Lu Chengqing knew why he couldn't say it everywhere.

It is impossible for ordinary people to borrow so much, and of course they will not be able to access this level of interest.

But once it is spread out, even if they don't borrow, they will feel that the interest is a bit too ruthless.

As for the people at the top......

Spread out, His Majesty Li Er, who got into the eyes of money, will definitely be impeached by those people who don't need to borrow money!

Lu Chengqing nodded thoughtfully:

"If you know this below, it will definitely not be passed on, making it difficult for your father-in-law to do."

He casually said a few perfunctory words to He De, and began to calculate it in his mind.

If you borrow 10,000 stone of grain, then what you have to pay back next year is 10,000 stone.

The imperial court didn't have to do anything, and after waiting for a year, he earned a thousand stone of grain out of thin air.

For His Majesty, this is indeed a good business to make money.

Lu Chengqing secretly laughed in his heart.

- But in this case, their family will not lose money at all when they go to borrow food!

10,000 stone grain can be exchanged for 100 bottles of Zhenguan ten years of spring.

In Jiangnan, these wines are worth 50,000 taels of silver.

Perhaps, under the rising tide of the lifter......

It will be worth more in the future!!

10,000 stone of grain can be bought for only 1,500 taels of silver.

There is no shortage of more than 1,000 taels at home, but it is difficult to find a way to buy it for a while.

But now there is this Datang Bank!

He could have borrowed food from the bank!

After a year, he took out more than 1,000 taels from the earnings, or even more, and it was already 40,000 taels that he Fan Yang Lu earned with tears and blood.

The court doesn't lose, they don't lose, and neither do the wrongdoers who like to buy this wine.

Everybody's happy!!

Thinking of this, Lu Chengqing suddenly thought of something and asked again.

"So, father-in-law, if you borrow grain, but the food for the coming year is not enough, can you repay it with silver or copper coins?"

As He De said before, there have been many natural disasters in Datang in recent years.

Fan Yang Lu's family does have a lot of grain on hand, but the grain in the grain line is not conjured out of thin air, it is also from farming.

Production is limited, and it would be annoying if there was no more to pay off in addition to the food needed by the family.

Although Lu Heng had already taken out the extremely high-yield potatoes and sweet potatoes, I heard that the experimental field had been harvested recently, and the harvest was quite abundant......

But after all, it is still in the stage of growing grains.

When that thing is popularized to the whole territory of Datang, I'm afraid it won't be a few more years!

He couldn't wait that long!

He De smiled:

"Naturally, who doesn't like silver?"

"If there is no food, it is okay to exchange the equivalent of silver money or land mortgaged in the bank!"

Lu Chengqing's eyes showed ecstasy.

He patted He De's shoulder again and again, and said ecstatically:

"Good good ......"

"In the future, my Fan Yang Lu clan will earn it, and I will definitely not forget the grace of my father-in-law's explanation today!"

He De made a puzzled look:

"What do you say?"

"What, you are from five surnames and seven hopes, will you be so short of food that you have to go to the bank to borrow it?"

Realizing that he had lost his words, Lu Chengqing quickly stopped talking.

He can't pass it on now.

You have to find a way to find someone to go to the bank.

lest others preempt themselves!

Thinking of this, Lu Chengqing hurriedly arched his hand at He De:

"No, no, just ask."

"I suddenly remembered that there are still some urgent matters to deal with, and you can wait here for them to count the grain, and it will be okay to rest in the village for a while."

"This is out of company, out of company!"

He hurriedly got into the carriage and left his Zhuangzi, as if there was a ghost chasing after his buttocks.

looked at Lu Chengqing's back.

He De's face finally showed a sincere smile.

He muttered to himself:

"Oh, it seems that the plan of the master of the horse is really going to become a ......"

"I just don't know how much I can earn."

"Tut-tut."

"Our task can be regarded as complete!"

………………

In recent days, there have been many more "Zhenguan Ten Years of Spring" flowing out of Chang'an City.

It's just that these drinks are not only circulated in Chang'an, but also transported to all parts of Datang through horse-drawn carriages and Cao Yun.

Although Chang'an, the capital of the capital, is the place with the most nobles in the world.

But when it comes to wealth, Luoyang and the Jiangnan area are not weaker than it at all.

Lizheng Palace.

His Majesty Li Er's face was very ugly.

He stared at the account book in his hand, and in front of him was Li Chengqian, who didn't dare to speak.

“…… You just said that Datang Bank was only open for half a month, and then lent out hundreds of thousands of stones of grain? ”

"The Zhenguan Ten Years Spring that recently appeared in the city has been sold for more than 100 yuan."

"That's more than a hundred taels of silver!"

"I heard that in Jiangnan, it has even been sold for a few hundred taels!"

"What the hell is Lu Heng's kid doing......

"Does he know that if ten taels of silver are sold, others will change hands and make ten times the profit??"

"No price increase, no price increase!"

"It's not for nothing that those families have earned me...... Did you earn the money we should have earned? ”

In the end, His Majesty Li Er changed his words stiffly.

He is now taking Lu Heng's share of the wine sold, that is, the part of Li Chengqian's previous shares, and this income was forcibly received by Li Shimin in the inner treasury on the grounds of "taking care of the money for you".

If you make less, you will lose!!

Who would have thought that these wines would sell for such a high price?

The principal, and the mother's repayment, were all borrowed from their own banks.

Blood deficit ...... Blood loss!

Think of the money you make less.

Li Shimin felt that his heart, liver, spleen, lungs and kidneys were hurting!