prosperous age

Chapter 131 130 Going Home
"Law of the Ming Dynasty": "Where privately lending money and debts and pawning property, the monthly interest shall not exceed three cents. Although there are many years and months, it is only one profit per book. Violators can be whipped forty, and the remaining profits will be used to calculate the stolen goods. If you are accused of taking stolen goods, you can get a hundred rods."

According to the law of the Ming Dynasty, the government allowed private lending, but only stipulated the interest, that is, the monthly interest should not exceed three cents. That's 3%.

There is also a supplementary regulation, that is, no matter how long the loan occurs, it cannot exceed the cost of one interest, that is, the interest cannot exceed the principal.

This supplementary clause is actually a protection for the borrower who cannot repay the money temporarily after borrowing money.

But regulations are dead, but people are alive.

For people who specialize in money lending business, the IOUs will naturally not exceed three years. Most of them sign IOUs on a monthly basis, and they have to re-sign IOUs when they expire. It is impossible to follow the rule of one profit. do things.

Wei Guangde naturally knew it when he was reading the book. In fact, he was still amazed when he read this passage. Many private loans in later generations were mostly ten cents or two cents a month.

It’s just about revolving interest. Most of the later generations will refinance when they are due, and the interest that cannot be repaid will be rolled into the principal. There is a saying among the folks who release water money, well, that is a hundred boards.

Forty whips are enough to rip apart the skin, and one hundred whips, so basically the person is gone.

These are all in writing, or it is implemented in an official way, but Wei Guangde still knows that the monthly interest rate of five cents for private loans is considered fair, because no one will borrow money at three cents.

Wei Guangde became a little interested in Zhang Hongfu's idea of ​​not doing any business but directly releasing money.

"Do you have a mortgage?"

Wei Guangde's heart was moved, so he naturally wanted to ask clearly.

"Of course there is. Who dares to borrow without a mortgage. The best thing is a house or a shop. If you can't pay it back, you can use something to repay the debt."

Zhang Hongfu said with a smile, "You are interested. I'll go back and ask my second uncle to see what he says. After all, there are not always people who need money turnover."

Wei Guangde nodded slightly.

When Wei Guangde returned home, his heart was mostly settled.

When I got the money from my father, I put 5000 taels out, and the annual interest was 3000 taels.

In fact, at this time, Wei Guangde was most worried about not being able to borrow the money.

On the way home, Zhang Hongfu also talked to him about the current situation of private lending. Mostly, farmers borrow more.

During the period from summer tax to autumn harvest every year, farmers often have no money or food in their hands. At this time, they can only borrow money, hoping to ease the difficulties during this period.

Businessmen are not sure about borrowing money. It is because they encounter big opportunities and big business, and they don’t have enough capital.

In a word, let Wei Guangde not be in a hurry to release the money, this is also to wait for the right time.

When I got home, Dad had already returned.

Father Wei didn't get drunk tonight like yesterday, he was sober now, sitting in the main room drinking tea.

When Wei Guangde entered the door, he saw his father happy, and couldn't help asking, "Father, have you got the appointment document?"

"I got it, and your brother will also take over the Baihu Office. It's not easy. I thought I would stay there for the rest of my life."

Father Wei is in a good mood, and the wrinkles he saw last night are also stretched out at this time.

Well, people are in good spirits on happy occasions, maybe that's what happened to Dad now.

"Then you and uncle are going to move to Jiujiang City, and elder brother and cousin will stay in Pengze?"

Wei Guangde walked to the lower seat, sat down and said.

"Guangde, you are destined not to be a military officer, so you don't realize the importance of that position."

Father Wei didn't answer Wei Guangde's words directly, but said casually, "Next year, I will organize your cousin and your brother's wedding, which your brother should have done this year, but it was delayed.

In these two days, you go to the street to buy some gifts and take them with you, and we will go back in two days. "

"Go back this year?"

Wei Guangde asked.

"of course."

Father Wei answered very simply, "I won't take office until the next year, what are you doing in Jiujiang City now?"

A few days later, three large ships were berthed at the Jiujiang City Wharf, and two teams of hundreds of households from the Right Army Qianhu Office were boarding the ships in an orderly manner.

The reason why he stayed in Jiujiang City for a few days was actually because he was waiting for the reward money to come down, and the casualties were burning and burying the money.

This time more than a hundred people went out from the Bengshan Hundred Households, three of them died, all of them were killed when they attacked Dinghai County in the later stage, and more than ten were injured, and they were already completely disabled. .

It's a good thing, because old man Wei treats the group of people under him fairly well, and there are still men in every family who can fill in the vacancies.

At this time, the imperial court did not give a higher reward because the Japanese invasion did not break out, so although they killed a lot of Japanese pirates, the reward money they got was allocated according to the rules, not much, but Wei Guangde did not Don't know these.

"Not bad, a total of ten people died and more than 20 were injured."

Knowing the amount of money he received this time, Wei Guangde curled his lips and thought it was too little, and his uncle Wu Zhankui said to him with a smile.

"It is also customary to burn and bury the dead in three taels. The money is given to us happily, and we will continue to distribute it as much."

Because Jiujiangwei gave the adults in Nanjing a little bit of face this time, the payment of reward money was relatively fast, although it was deducted as usual.

"Those who have gone will get ten taels of silver per person, and we will make up for the shortfall."

Wu Zhankui shook his head, the little money issued by the court was not much after two deductions.

Thinking about going out and going through life and death, and the money is less, how can I lead people in the future.

"Okay, ten taels of silver for each living person, and three taels of silver for burning and burying for the dead."

Father Wei also nodded in agreement.

After all the soldiers boarded the ship, the big ship set sail, and because it was going down the river, it took half a day to reach the pier in Pengze County.

When the fleet arrived in Pengze County, there were already many people waiting at the pier.

When the fleet returned to the voyage a few days ago, all the family members of the guard had already known that all those who went out had returned, and the names of the disabled and dead soldiers were not made public until this time.

Those whose family members are alive are naturally overjoyed, while those whose family members are gone are crying, and there are still many people watching the fun, blocking up a wharf.

When Wei Guangde got off the boat with his uncle and father, he saw his elder brother at a glance. He was following his cousin at this time, but Tang Xianzun and Deputy Qianhu Liu Cheng were the first to greet him. Wu Dong could only follow behind them, although In the Thousand Households Office, Wu Dong was the one talking.

After exchanging pleasantries, everyone was about to go to Qianhu, but on both sides of the road where soldiers and government servants forcibly separated, the family members of the dozen or so families whose relatives died in battle were crying by the side of the road holding a black jar. Wei Guangde was beside his eldest brother, watching with his own eyes They arrived at the family members of the three people in Bengshan Fort.

Although he had been away from Bengshan Fort for almost a year, Wei Guangde still recognized those people. Among them was a young woman who was crying there with her one-year-old child in her arms.

Wei Guangde knew her. He was the daughter-in-law Cai Da married the year before last and gave birth to a daughter at the end of last year.

Seeing their pitiful appearance, Wei Guangde not only thought of the imperial edict he had read.

(End of this chapter)