Daqin: Qin Shihuang can hear my heart

Chapter 657 Too Stupid

Liu Ji secretly said happily.

When the villa was being built, Li Zhao had discussed this matter with him.Indeed, when preparations were being made, the master and the young master were both present, and they discussed the specific pricing. The young master settled on a hundred gold. Of course, the hundred gold was indeed a bit too much, and not ordinary ministers could afford it, so There is only one thing to talk about: borrowing and lending.

All borrowers must buy a villa, and the annual interest rate is not high, ranging from 2% to 5%. This is much lower than the interest rate in the market, and this is also to ensure that the borrower has the ability to repay.

This is equivalent to Shanglinyuan being a bank. The buyer uses the villa as a mortgage to get the loan, which is exactly the same as the operation in the previous life.

"Loan?" Han Shaofu certainly understands the meaning of 'loan', but his perception of loans is very negative.There are many private borrowers in Da Qin, almost all of whom are loan sharks. Many borrowers have become human tools because they cannot pay back the money.

Then, he hesitated.

Liu Ji understood his worries and smiled and said: "Shanglinyuan loans are different from private loans. The repayment time of my Shanglinyuan loan is relatively long. It can be divided into five years, ten years ago, 20 years, and 30 years." You just need to pay the specified amount of money at the specified time every month or every year.”

"If you apply for a 30-year term, you can repay about one gold each year. Of course, this is only an approximate amount, and the specifics will depend on the calculation."

"Of course, if you think the repayment amount in one year is too much, you can also repay it monthly. Calculated in one month, it will probably not exceed [-] taels."

"By year? It only costs more than one gold a year, and the monthly payment does not exceed two thousand and a half taels per month?" Han Shaofu hesitated.

If calculated according to this, the Han Mansion could really afford it, and it was relatively comfortable, but when he thought about paying it back for 30 years, he was completely reluctant.

After 30 years, can he still be 'Qing'?Can it still have such a rank?What will be the consequences if the loan cannot be repaid?
“What if I can’t pay it back on time?”

"This." Liu Ji hesitated. In fact, the young master had already stipulated that since the borrower used the villa as mortgage, the villa would be taken back after a certain period of time.

This is also what Li Zhao brought in from his previous life.

"To be discussed!"

He couldn't say it clearly, otherwise the first person who came to inquire would be frightened, and it would be difficult to sell the villa.At this time, Han Lin spoke, "What are you afraid of? If I can enter Shanglin Garden after I finish my studies in school, I won't be afraid of anything."

She has this confidence.

With his daughter's guarantee and seeing that his daughter really liked this place, Han Shaofu gritted his teeth and agreed.

Although a hundred gold is a lot, if the loan is repaid monthly, it won't be too much pressure. At most, it can be frugal to maintain the livelihood of the Han family.

That is, he felt heartbroken when he thought about the hundreds of gold needed for the villa. Compared with the price of a mansion in Xianyang, it was simply an astronomical figure.

If his daughter hadn't insisted, he really wouldn't have wanted to take another look.

Shaofu Han frowned and went back to Xianyang to get the down payment, and then went to handle the relevant purchase matters, but was seen by many people, especially Qing, so naturally not many people dared to discuss it, but he didn't know what was going on behind the scenes. .

Liu Ji also told him that even if he took out a loan, he could not borrow all of it. He needed a down payment of [-]%, which was ten gold. Compared with ten gold, he could still come up with it.

After completing the formalities, Mr. Han found that he was completely exhausted. He was frightened by the astronomical figures.

But the main thing is that it makes my daughter happy. It’s a bit expensive, so it’s hard to buy it to make her happy!

Han Shaofu was the first to buy a villa that was viewed but not bought. The news immediately spread like a flower in Shanglinyuan and Xianyang. Especially among the ministers, some people said that the Shaofu was too stupid. This was clearly Li Zhao cheating money. The young man fell for the trick.

This is obviously giving money to others.

Young Master Han listened and wondered what he could say, so he had to lock himself in the mansion and not go out for a few days.Indeed, he was too stupid to do this.

(End of this chapter)