My father Zhu Gaoxu

Chapter 282 First Bank Loan

Before dawn, shopkeeper Wang came to the gate of the bank to wait.

As a businessman who moved here from Nanjing, shopkeeper Wang has not been easy this year. The land property in Nanjing has plummeted. When he finally finished disposing of the land property in his hand, when he came to Beijing, he found that the land property here had increased. It is higher than Nanjing.

But there is no way, the shopkeeper Wang and the businessmen got the news too late, and it was not an easy task to transfer their property, so both sides suffered a big loss.

Shopkeeper Wang was lucky. After arriving in Beijing, he quickly found a shop he liked and paid for it. He was in the silk business, and as soon as the goods arrived, the shop would open smoothly.

What shopkeeper Wang didn't expect was that there was a problem with his goods on the road, and he couldn't get them in a short time. But now the store is waiting to open, but what if there is no goods to sell when it opens?
So shopkeeper Wang wanted to buy a new batch of goods, but he was very tight now, especially after buying the store and the goods, the money in his hand was almost spent, and he had no money to buy the second batch of goods.

So some time ago, Shopkeeper Wang was also in a hurry to get angry. There were several burns in his mouth, and he couldn't even eat.

Of course, shopkeeper Wang also thought about borrowing money, but he just came to the capital not long ago, and he was not familiar with the place, so he couldn’t find anyone who wanted to borrow money. As for the bank, he could borrow money, but those people were vampires. Maybe it will swallow him even the belt bone.

But if he didn't borrow money, Shopkeeper Wang's store wouldn't be able to open. If he didn't open, he wouldn't have any income, and he had to keep so many buddies. He really couldn't afford it.

Just when shopkeeper Wang thought about it, and finally decided to go to the bank to borrow money, he suddenly learned about the bank from a friend. He didn't care about other things, the most important thing was that the bank's loan interest was very low.

In addition, there is the imperial court behind the bank. Compared with those private banks, their reputation is still guaranteed.

So shopkeeper Wang came to wait at the gate of the bank before dawn today, because he had already found out that today is the opening day of the bank.

It was also the shopkeeper Wang who came first, so he was also at the front of the queue, and not long after he arrived, there were many people lining up behind him.

Shopkeeper Wang is not surprised by this situation. The move of the capital by the imperial court has hurt many people's vitality. Many businessmen are very short of money. This is one of the reasons why Shopkeeper Wang couldn't find anyone to borrow money before. one.

Therefore, the emergence of banks has made many businessmen see the light. After all, compared with those private banks, banks opened by the imperial court are more credible, and of course the interest rates are lower.

As time passed, shopkeeper Wang and others became more and more anxious. After all, the bank hadn't opened yet after waiting for so long. Some hawkers came to sell breakfast, but shopkeeper Wang had no intention of eating at all.

While everyone was waiting anxiously, the door of the bank opened, and two people who looked like yamen servants came out.

Seeing the door open, shopkeeper Wang and the others were overjoyed, and immediately rushed forward, wanting to get into the bank first.

Unexpectedly, the two yamen servants stretched out their hands, stopped everyone and shouted: "Wait a minute, the bank is open today, but the bank also has bank rules. Everyone lined up in a long line. After receiving the number plate from me, to get to the bank!"

The two yamen servants were sent by the Ministry of Officials to maintain the order of the bank. After all, the bank has an official background, and it is considered half of the yamen. It is normal to have two yamen servants.

Merchants who line up are most afraid of people from the government, and they come to the bank to ask for work, so they all line up obediently. Shopkeeper Wang is at the front, and after receiving the number plate of "One", they enter the lobby among.

I saw that the whole hall was very spacious, with a row of windows for doing business on the left, and many chairs on the right, which seemed to be for people to wait and rest.

Shopkeeper Wang looked at the empty hall, not knowing what to do next?
Fortunately, at this time, a young man dressed as a clerk stepped forward and said with a smile: "Guest, give me your number plate, and I will take you to the window to do business!"

Only then did shopkeeper Wang realize that he immediately gave the number plate to the other party, and then led him to the first window.

I saw a middle-aged man sitting behind the window, who looked like an accountant in a gentle manner.

"What does the guest want to do?"

The middle-aged man looked up at Shopkeeper Wang before asking.

"I'm short of money and want to borrow some money!"

Shopkeeper Wang hurriedly replied.

"It's okay to borrow money, but you have to have something as collateral."

The middle-aged man replied without thinking.

"No problem, I have a shop in the capital, which can be mortgaged to the bank!"

Shopkeeper Wang took out the land deed and house deed as he spoke, and handed it to the other party with both hands.

Before the news of the bank spread all over the capital, shopkeeper Wang had already inquired clearly. He knew that if he wanted to borrow money from the bank, he had to have a mortgage. Otherwise, why would they lend you money?

The middle-aged man took over the land deed and house deed, checked it, and then said to shopkeeper Wang: "How much do you want to borrow, and how long will it take to repay it?"

"One hundred thousand guan, you can return it in two years."

Shopkeeper Wang replied immediately.

"Based on the location and size of this store, a mortgage of [-] coins is more than enough, but we need to send someone to verify the authenticity of the store, so we need to wait for about an hour."

The middle-aged man said again.

"No problem, just verify, I can wait!"

Shopkeeper Wang was also overjoyed when he heard the words.

Then the middle-aged man talked about the details of the interest of the loan. The interest of the bank is not fixed. Generally, within five years, the interest is eight cents, which is less than ten percent. This interest also surprised shopkeeper Wang even more. He thought it would be the lowest It also costs [-]% interest, but I didn't expect it to be only [-]%.

After the middle-aged man finished explaining the details of the loan, shopkeeper Wang did not have any objections. It would take some time to verify the land deed and house deed, so shopkeeper Wang could only wait in the lobby.

Only then did shopkeeper Wang realize that there were people handling business at every window of the bank, and the chairs in the hall were also full of waiting people. Only when the people in front of the window finished their work would they call the next one according to the number plate.

The verification of the land deed and house deed is troublesome and troublesome, and it is easy to say, because the land deed and house deed are all recorded in the Yamen of Shuntian Prefecture, and all you need to do is to take them to the Yamen for inspection.

Of course, it would be very troublesome to check it personally, but behind the bank is the Ministry of Accounts, and Wulang Wuhong, a member of the account department, is in charge of the bank.

An hour later, Shopkeeper Wang's mortgage passed the verification. After all, he was the first customer of the bank, so the speed was of course faster. After mortgaged the land deed and house deed, Shopkeeper Wang also quickly got his own loan.

When the other guests saw that shopkeeper Wang had really borrowed money from the bank, they were all shocked. People who had doubts at first also had confidence in the bank.

(End of this chapter)