My father Zhu Gaoxu

Chapter 243 Mortgage Loan
"Morning son!"

In the early morning, when Zhu Zhanhe arrived at the Meridian Gate, all the officials waiting here saluted and greeted him one after another, and all of them greeted him with smiles.

While Zhu Zhanhe returned the salute, he was a little puzzled at the same time.

Because just two days ago, many officials in the DPRK impeached him for hoarding Beijing's property, and those impeachment memorials were placed in a thick stack on Zhu Di's desk.

But today, these officials were more enthusiastic than each other. They all smiled when they saw him, and some even showed gratitude, which made Zhu Zhanhe confused.

In the end Zhu Zhanhe came to the back and saw Xia Yuanji standing in the first class, looking at him with a smile at this moment.

There was no distinction between cabinet ministers and whoever was on duty stood in the front. In addition, Jin Zhong was getting older and less energetic than before, so Zhu Di granted Jin Zhong no need to go to the early court.

"Xia Shangshu, what's going on?"

Zhu Zhanhe moved closer to Xia Yuanji, then pointed to the long line of civil and military officials behind him and asked, he wondered if he hadn't woken up yet?

"Your Majesty, you suggest the establishment of the Yanglian Bank. This will benefit all officials, and everyone will naturally think of you, Majesty!"

Xia Yuanji said with a smile.

As the Minister of the Household Department, Xia Yuanji had not considered increasing the salaries of officials before, but this matter involved the rules set by Emperor Taizu, even Zhu Di was not easy to change, let alone him.

But he didn't expect Zhu Zhanhe to find another way, set up a name of Yanglianyin, and solved the problem at once.

"Has the news about Yang Lian Yin spread?"

Zhu Zhanhe was stunned for a moment, and finally understood what was going on. No wonder everyone was so polite to him. After all, he was the one who helped all the officials raise their salaries.

"Of course this kind of good thing can't be hidden, and I don't want to hide it from the prince. This move of the capital has drained the wealth of many officials. Many people even have to go to pawnshops to pawn their things to live. Fortunately, the money that raised Lian has come down." , this makes everyone's life easier at last!"

Xia Yuanji also felt a little emotional when he said this.

Not to mention others, Xia Yuanji himself was born in a humble background. His father was just an instructor and passed away early. He and his mother depended on each other for life. He has never dared to be greedy for a penny, and usually only relies on his salary. Although he has no worries about food and clothing, as his children and grandchildren get married, his family's life is also a bit tight.

Fortunately, now that he has the Yanglian Bank, Xia Yuanji calculated a small account for himself, and estimated that his annual income would increase by three or four times compared to before, and now his money will be more abundant.

"Hundred officials have accepted the benefits of Yang Lian Yin, I hope they can also remember the name Yang Lian Yin!"

Zhu Zhanhe also said with some emotion when he heard the words.

In fact, he also knows that raising a clean bank cannot solve the problem of corruption, but at least it can give those officials who are vacillating in the middle a chance to choose.

When the time came, officials lined up to enter the imperial city, and finally met Zhu Di at Fengtianmen.

However, today’s court meeting was extremely harmonious. Officials from various ministries wrote letters praising Zhu Di’s establishment of the Yanglian Bank. Even the censor with the most poisonous mouth seemed to be wiped with honey at this time, and he almost praised Zhu Di as eternal. God.

After the morning court ended, Zhu Zhanhe was about to leave, but he did not expect an unknown official to find him.

"My son, Takehiro Uiro, a member of the lower household department, would like to discuss something with you."

Wu Hong seemed a little embarrassed, but he still spoke.

"What's the matter, Samurai Uiro?"

Zhu Zhanhe asked curiously.

"It's like this. I'm looking at a mansion next to Xuanwumen, and I went to see it myself. I like it very much. Later, I heard from the dentist that the mansion is owned by the Hanwang Mansion. I intend to buy it, but..."

Wu Hong suddenly blushed when he said this, as if he couldn't continue.

"Samurai Uiro speak up if you have something to say, do you think the price is too high? If you really want to buy it, I can ask someone to make it cheaper for you."

Zhu Zhanhe waved his hands very boldly and said, after all, he has just gained a good reputation now, and this Wu Hong is still Xia Yuanji's subordinate, so he has to show some face no matter what.

"It's better if it's cheaper, but... But the money for the lower officials is still a little bit worse."

Wu Hong said again in embarrassment.

"How close are you?"

Zhu Zhanhe asked again, if the difference is not much, it is not impossible for him to drop a little more.

"It's... half way."

Wu Hong blushed and whispered.

Zhu Zhanhe was speechless, did he even dare to say that he was almost halfway there?Is this how your accounts are calculated?
Wu Hong also saw that Zhu Zhanhe's face was wrong, and immediately explained: "My son, please calm down, I think so. You see, I will pay half of the money now, and then mortgage my Yanglian silver to you. I only take the most basic money every year. I have calculated the salary, and I can pay off the remaining half in just ten years!"

Zhu Zhanhe was also very surprised when he heard the words. This Wu Hong is worthy of being an official of the Ministry of Household Affairs. The person who manages the money has a flexible mind. He is hundreds of years ahead of the world.
"This method is quite novel. Let me go back and think about it. Whether it is feasible or not, I will send someone to notify you!"

Zhu Zhanhe thought for a while before opening his mouth.

Although the housing loan is a bit advanced, it is not impossible to do it. The key is how to do it, which requires Zhu Zhanhe to think carefully.

"Okay, then I will wait for your good news, Shizi!"

Wu Hong is also a shrewd person, seeing that Zhu Zhanhe was a little moved, he immediately agreed very happily.

Back home at night, Zhu Zhanhe called Ma An over and asked about the real estate business in Beijing.

The result was really beyond his expectations. Since the announcement of raising Lianyin, the number of officials who want to buy real estate has suddenly increased.

Most of these officials have some assets, but not many. In the past, because of their meager salaries, they did not dare to spend money recklessly. Now that they have the money to support honesty, their purchasing power has been released at once with the huge increase in income.

However, these officials are like Wu Hong. Although they have some money in their hands, they are still far from buying a house with full payment. As for borrowing money, no matter what era it is, it is a difficult task.

Of course, there are also some banks and monasteries that specialize in lending money, but all of these people are vampires, and they are already the price of conscience, and sometimes even ten times the income is returned if they give out a penny.

Moreover, as officials, they also have to worry about their own face, and generally do not borrow money in a big way. This also causes many people to look at the real estate they like, but they can't get enough money to buy a house in a short time.

After understanding the above situation, Zhu Zhanhe immediately wanted to set up a bank to start the mortgage business, after all, he was really short of money now.

But Zhu Zhanhe quickly calmed down again, because he found that although the mortgage business can be done, it is not something he can do alone, and he must consider some impacts!
(End of this chapter)