The eldest grandson of Emperor Ming Dynasty!

Chapter 698: Counterattack from Zhu Ying

Zhu Ying actually hated the housing loan.

Especially in the previous life.

But until now, the housing loan has finally been released.

It's not that he wants to do this, but the high-speed economy that is rolling forward is forcing him to do so.

Before the housing loan was opened, there was such a criminal case in Liaodong, which was quite a sensation. It even spread to the capital, and even Zhu Ying and Zhu Yuanzhang knew about it.

The perpetrator was a public security officer named Zhang Xiong.

I was retired from the frontier, because I was 50 years old, and I accepted the adjustment and was resettled by the public security station.

There is also a generous retirement allowance.

It stands to reason that such a situation is naturally very good, after all, you can still eat official food if you have money after retirement.

There is also an only son under him, who is Zhang Xiong's lifeblood.

The only son in his twenties has not yet married a wife, which made Zhang Xiong, who has retired, worry about it.

Fortunately, after dozens of blind dates, I finally met someone.

This is not to blame for his only son, because Zhang Xiong has been guarding the frontier for a long time, and there is no man in this family, so he will naturally be bullied. However, an accident caused his only son to become lame in half of his leg.

Otherwise, with Zhang Xiong's current situation, of course there is no need to worry about finding a good family.

It's just that the woman proposed that she hoped to buy a house in Fucheng and live in Fucheng.

This is a prefecture, although it is a frontier, but due to the recent economic development of Ming Dynasty and the disappearance of the threat of your Mongolian grassland, the price has risen extremely rapidly.

There are still many Mongolian nobles who are destined to come.

Zhang Xiong is just Xiaoqi retiring, of course he can't afford so much money, but for the sake of his son, there is nothing he can do.

In the end, I could only find a bank to borrow money.

The problem lies in this bank.

This bank is just a private bank, and it is mostly done by former smugglers.

Zhang Xiong was illiterate, so he encountered a trap when signing the contract.

Borrowing 80 guan banknotes, but less than a year later, the bank sent someone to collect them, demanding [-] guan banknotes with interest.

80, where did Zhang Xiong get so much money.

My house and fields were sold, but it was still a drop in the bucket.

There is no decent person who works as a smuggler on the grassland. In the end, he will go to Fucheng to find his only son. If he doesn't give him money, the house will be taken away.

Zhang Xiong was such a son, when he heard his threatening words, he was directly angry from his heart, and the evil came from his gallbladder.

Using his position, he found out who was behind the bank.

He has stayed at the border all year round, and will kill people if he knows nothing in this life.

Poisoned them overnight, and then wiped out more than 180 of them.

This is a massacre.

It immediately attracted great attention.

Originally, it was over here, the clues were clear, and it was enough to arrest Zhang Xiong who had escaped.

Unexpectedly, Zhang Xiong went to find his old Shangfeng.

Once in a confrontation with the Mongols, he was considered to have saved the life of his own general banner.

And the general banner is now a thousand households.

Hearing that his savior was in such a catastrophe, he took hundreds of soldiers and went directly to kill all the people in the bank.

Even the public security station had no choice but to watch the bank burn down.

Now, the problem is bigger.

The magistrate of Fucheng intervened directly, but the guards did not give in at all, and the two sides remained in a stalemate.

And those thousands of households naturally have some contacts.

In the end, they united with several robes and directly surrounded the Yamen in Fucheng, which caused quite a commotion.

Because of the riots of the local army, the matter spread to the capital.

Speaking of it, it is still because of the relationship between buying a house and borrowing money.

In this era, borrowing is often very profitable and very dark.

Zhu Ying, who heard about this case, asked people to investigate news related to banks and house purchases in various places.

Sure enough, a lot of similar situations were found.

Of course, people generally don't have the foundation like Zhang Xiong.

This also happened at the border. After a large number of smugglers had no business to do, they were looking for other ways.

If you are used to illegal trading, it is impossible to wash your hands and go ashore.

Tons of gangs formed, all black and gray.

Even for things like human trafficking, it is natural to pay enough, and you can do it as you say.

Zhu Ying thought of a way to move people from outside, but these bastards used tricks and robbery to traffic people from Daming to earn huge profits, it was simply lawless.

There are many factors involved in the chaos in the border area. There are frequent rectifications to eradicate gangsters and eliminate evil, but the roots are difficult to pull out.

Compared with these evil forces, ordinary people have no room to resist.

Maybe the local government still acts as an umbrella.

So after learning about this, Zhu Ying asked the Royal Bank to start the mortgage business.

At least the royal bank won't be like these black banks, forcing other people's families to die.

Once upon a time, for many people, the field was everything.

Because Zhu Ying is not allowed to buy and sell land privately now, the focus of the people is on the house.

Now, these money shopkeepers in the capital want to force the court by maliciously raising housing prices.

Housing prices are not controlled by the government or the court, but the self-regulation of the market.

The more populous a place, the greater the demand for houses, and the house prices will of course rise.

In fact, as far as the current situation is concerned, the housing prices in Daming are not so high that ordinary people can't afford them. Except for the big cities, such as the capital, or the economically prosperous coastal areas, which are slightly higher, it's not that exaggerated.

Today, the total population of Ming Dynasty, including the floating population from outside, is roughly in the early ten million.

For example, on the capital side, Zhu Ying did not want to overcrowd the city of Nanjing, so he continued to develop the suburbs.

There are many houses built, so naturally the price will not be high.

As for the city of Nanjing, it can be said that there is a price but no market.

Zhu Ying just waited quietly, watching those money shopkeepers perform.

As time passed, two months passed in the blink of an eye, and the autumn of Hongwu's 31st year came.

There has also been a lot of movement about the joint real estate speculators of banks.

At the foot of the emperor in the capital, of course they dare not do such things as hoarding goods, and they don't have so much money to do it.

The housing prices in Nanjing City are already high enough.

And the target is those other cities.

The rumors that Zhu Ying deliberately spread, due to time constraints, naturally faded away without any action from the court, and a group of banks that could not hold on were finally bankrupt and liquidated.

Naturally, Zhu Ying asked the Royal Bank to take over, and the business could continue with a different brand.

The era of slow carriages and horses cannot be said to evolve as rapidly as later generations, which requires a process of fermentation.

If you want to do it, it is naturally in the Fucheng. Zhu Ying has asked Jin Yiwei to keep an eye on the changes in housing prices in various Fucheng.

On this day, Zhu Ying, who was walking her baby with Zhu Yuanzhang, received a report from Jiang Yu.

"Your Majesty, Your Highness, the Jinyiwei Yamen has received reports from various places. At present, housing prices in various cities have undergone tremendous changes."

"Driven by the money houses in various places, not only the people in the money houses, but also many big households, nobles, etc., have also joined the ranks of hoarding houses, hoping to make high profits."

"This storm of hoarding houses is spreading to the whole of our Ming Dynasty, including the houses in the capital recently, which have increased by about [-]% due to events in various places."

Zhu Yuanzhang glanced at the calm-looking Dasun, and said with a smile: "These guys really fell into the trap, and Dasun thinks when will start to collect the net."

"It is estimated that during this period of time, our money bag has swollen a lot."

In terms of housing construction, starting from the renovation of Zhengyang Avenue, the Qunying Chamber of Commerce was the first to enter the industry.

After the Qunying Chamber of Commerce was broken up into parts, the construction part was pulled out separately.

Today's construction is of course based on cement, abandoning the pure wooden structure in the past. Zhu Ying owns the most and largest cement factory in Daming.

no way.

In the case of encouraging the private sector to open factories, because of the limitation of profits and the protection of workers' wages, there are not many privately owned dry cement factories.

Development cannot be stagnant, so Zhu Ying quickly opened various places in the name of chambers of commerce, including construction teams.

The reason why Zhu Yuanzhang said that the internal money has increased again is because Zhu Yingcai is the biggest real estate oligarch in Ming Dynasty.

It can be said that the largest builder in each prefecture is under the name of Zhu Ying.

It's not that there are no big families, and even Xungui wants to join the construction industry.

In order to prevent future tragedies from recurring, Zhu Ying couldn't guarantee the hard-earned money of the workers. Therefore, many thresholds were set in the construction of this block.

Such as workers' wages.

It is not settled by the businessman who contracted the construction, but has to pay enough security money in advance to the local government.

The wages are arranged by the local government and paid out in full after being checked by the builder.

Because under the stipulations of the law, there is no king in the world.

Even if the house is built, the title deed belongs to the imperial court, so the local government naturally has to intervene.

It includes the control of project quality, which is also the responsibility of other yamen on the local government side.

Turning the corner, Zhu Ying is selling most of the houses in the prefectures and cities.

These money shopkeepers hoarded goods and maliciously drove up housing prices, but in fact a lot of money went into the pockets of internal funds.

Zhu Ying did not first control the shopkeeper of the bank to do this, and there are also considerations in this regard.

To put it simply, it is to take away the working capital of these private banks and big families.

"The revenue of various places has not been reported yet, but according to their strength, I am afraid that it will not be much less."

"The housing price in the capital is so high that it can be affected by a [-]% increase. In other prefectures, it is estimated that the housing price has increased by several times, and even a dozen times is not an exaggeration." Zhu Ying replied with a smile.

Zhu Yuanzhang asked subconsciously: "How many precious banknotes must that be?"

Zhu Ying shrugged: "I don't know, I guess tens of millions will start, even if it's a hundred million guanbao, it's possible."

"so much?"

Zhu Yuanzhang was obviously a little surprised, but soon recovered.

In the past two years, money is really not as good as money.

The taxation of tens of millions of treasures used to excite Zhu Yuanzhang for a long time.

But since the grandson came, there are tens of millions, hundreds of millions, which is really numb.

Originally, the treasure banknote lifting department had to press the printed treasure banknotes, fearing that the treasure banknotes would depreciate.

What now.

The ratio of Yiguanbao notes to one tael of silver has reached one to one.

However, a large amount of silver was constantly being exchanged for precious banknotes, which to a certain extent caused the shortage of precious banknotes in Ming Dynasty.

The treasury has more reserves than printed money.

It can only continue to expand the Banknote Lifting Department, printing continuously for twelve hours.

Similarly, a large amount of gold and silver continued to flow into the treasury.

"How about grandson, let's close the net later?"

The money came so fast that even Zhu Yuanzhang was a little moved.

This is more than ransacking the house.

Zhu Ying shook her head: "It's not good to delay for too long. Now the people entering the arena are all big households like Qianzhuang, including rich people like Xungui."

"If it drags on for a long time, many people will inevitably follow in. When the time comes to harvest, it will break the hearts of the people."

"There may be some greedy people nowadays, but the number is very small, and most of them are waiting and watching."

Now, unlike later generations, there is network communication, and housing prices can be monitored in real time.

It will take time for news from the capital to spread throughout the country.

The slightly better aspect is that this incident is mainly concentrated in various cities.

The official roads in Fucheng have all been improved, and the spread of post stations is fast. Even in the slowest area, a month's time is enough for news to spread.

There is also a time difference.

That is the reporting process of the Jinyiwei who are responsible for lurking in various places, and it also took so long.

This back and forth, but last two months.

The longer it drags on, the more people will be trapped. People are greedy. When they see others making money, even if they know there are certain risks, how can they bear it.

Most of the common people are just above the food and clothing line, and the rapid economic development gives people the illusion that they can get money quickly by doing whatever they want.

Many people can always hear that a certain fellow from his hometown made a fortune and returned to his hometown in good clothes.

So-and-so earned a lot of money and bought a big house in the city.

When a family marries a daughter-in-law, the dowry gift frightens everyone to death.

Under such a social background, when housing prices rise rapidly, just like stocks in later generations, many leeks come uninvited.

Harvesting as soon as possible can effectively hit these banks, and by the way, cut off a wave of big households, reducing the current gap between rich and poor in Ming Dynasty.

"Okay, since Dasun said it, let's start."

This Ming Dynasty belongs to us, so there is no need to greedy people's money.

Zhu Yuanzhang thought so.

Zhu Ying nodded, and said to Jiang Yu: "Order the mansion newspaper department to immediately put the prepared mansion newspaper on sale tomorrow morning."

"At the same time, an order was sent to the six departments to send the prepared 'restriction order' to the chief secretaries from the post station in an expedited way of six hundred miles."

"Require the chief secretaries of all localities to immediately publish the local newspapers as soon as they receive the 'restriction order', and strictly inspect the local offices, and order the local government offices not to change the lease."

Restriction order:
Anyone who buys a new house or an old house is not allowed to buy and sell the house within two years.

By virtue of household registration, since the release of the sales restriction order, no two or more than two sets of house deeds can be purchased in the same area.

(End of this chapter)