Ouchi Cat Controlling, starting with the Ten Tiger Forms!

Chapter 482 New Mortgage

"Sir, you have never seen it."

"Those gamblers who are desperate to lose, what can't they do to make a comeback?"

"Mortgage something in exchange for money is already the best option."

Zhu Shimin shook his head. He had been handling affairs at Sihai Gambling House during this period, and he had seen so many such things.

But Li Xuan suddenly mentioned this matter, leaving Zhu Shimin still a little confused.

After mortgaging something, the gambling house will also have to pay a sum of money. If their imitation antiques fall sharply in the future, they will be the ones who suffer the loss if they don't come to redeem them.

But Zhu Shimin knew very well that it must be his own ignorance that could not understand Master A Xuan's profound intentions.

In this regard, the hundreds of thousands of taels of silver he has earned recently are always reminding him of how great Master A Xuan is.

"Isn't this much faster than opening a gambling house to make money?"

It is such a profound and clear understanding that allows Zhu Shimin to always maintain a respectful and humble attitude towards this mysterious Lord Ah Xuan.

Even under the cute cat appearance, Zhu Shimin firmly believed that there must be a wise soul hidden inside that he could only look up to.

Li Xuan heard that mortgages were common in gambling houses, so he couldn't help but nodded secretly, and then asked:

"How much interest do you usually charge on loans?"

Zhu Shimin raised four fingers and replied: "Forty percent..."

Li Xuan nodded, but he didn't feel too surprised. After all, in this era, it was a loan issued by a gambling house, and the annual interest rate of 40% was not too high.

Just when he was thinking this, he didn't expect that Zhu Shimin didn't finish his answer and slowly added two words.

"…monthly interest."

"Forty percent monthly interest rate!?"

Li Xuan was so shocked that his originally squinted eyes suddenly widened.

"The annual interest rate is four hundred and eighty?"

"Even if it's a loan shark, it's too outrageous, right?"

"Where did so many fools come from to borrow this money?"

"I'll speculate on his antiques and just lend them out!"

Li Xuan was shocked by Daxing's poor financing environment.

Zhu Shimin thought it was Li Xuan who thought the interest rate was low, and couldn't help but look embarrassed.

After all, there are rules in the industry, and the interest rates for loans in their gambling houses cannot be changed at will. Dangjie explained:

"Sir, 40% of the monthly interest rate is quite a lot. It is a full 10% higher than the official interest rate on the market. Moreover, it is not easy to adjust this amount at will. Please forgive me."

Zhu Shimin complained.

"You said the official interest rate on the market is 30% monthly interest rate?" Li Xuan thought he heard wrong.

"Yes, many of those wealthy families and dignitaries are involved in the loan business."

"The Daxing Law clearly stipulates that the interest rate on private loans shall not be lower than the official interest rate."

"In order to maintain competition and avoid getting into trouble, various gambling houses in the capital keep their interest rates at 40% per month. Unless there are special circumstances, they will not increase it easily."

After hearing this, Li Xuan blinked his eyes and couldn't help but look a little confused.

"It turns out that only the lower limit of interest is stipulated, but there is no upper limit."

"It's yours, Daxing Dynasty!"

Hearing that many nobles were involved in lending business, Li Xuan immediately understood the reason.

Seeing that Li Xuan was interested in this aspect, Zhu Shimin immediately introduced the loan business of the aristocracy, which was also called usury among the people.

Zhu Shimin was so excited that he even sang an impromptu song to Li Xuan:

"One loan will be repaid three times; the interest will be compounded every year; it will be paid back every year; it will be paid back in ten years; it will not be finished in several lifetimes!"

Seeing that Zhu Shimin was getting excited and singing more and more energetically, Li Xuan quickly raised his paw to stop him.

Zhu Shimin had no choice but to timidly shut up.

But this also made Li Xuan think about many things.

"I said that the market response is so enthusiastic, it turns out that the people are so rich."

"Then don't blame my little kitten for being cruel!"

Li Xuan looked solemn, and then swung his big tail.

Zhu Shimin looked up from below, staring intently. The confusion in his eyes gradually dissipated, and they glowed with waves of strange brilliance.

…

"Your Highness, it's not that I, Zhang Zhuo, am untrustworthy, but the antiques from the Jinpeng Dynasty are worth every day."

"I broke four thousand taels of silver this morning, and now I'm still selling you ten pieces for thirty-five thousand taels. I'm going to suffer a bit too much, right?"

Zhang Zhuo is a carefree young man who looks to be in his early twenties.

Right now, he was sitting opposite the fourth prince and recounted his difficulties.

The two were sitting in a private room of a restaurant, discussing.

They originally agreed to make a face-to-face transaction, but the fourth prince also came with the banknotes. Unexpectedly, Zhang Zhuo raised the price again and asked the fourth prince to add another five thousand taels, making up the total of 40,000 taels to buy the ten pieces of Jinpeng Dynasty he had. antique.

The fourth prince's expression remained unchanged as he elegantly picked up vegetables and ate. After letting Zhang Zhuo dry for a while, he slowly said:

"Zhang Zhuo, it's not a good habit to raise prices from the ground up."

"For the sake of you being a member of the Zhang family, if you take the banknote and leave your things, I can let you walk out of this room."

Zhang Zhuo's expression immediately turned gloomy, but he was also wary of the prince in front of him who was several years younger than him.

The Zhang family's contemporaries have more or less heard of the fourth prince's methods.

But Zhang Zhuo felt that it was for outsiders. He was a genuine member of the Zhang family, and he and the Fourth Prince were real relatives, so he did not take the Fourth Prince's verbal threats too seriously.

"Your Highness, five thousand taels is nothing more than small change to you."

"You can make a lot of money by selling these antiques tomorrow. If I can't wait, I really won't sell these treasures."

"If it weren't for the fact that we are all real relatives, who can I sell to at this price?"

What Zhang Zhuo said makes sense, but things like reason are not always reasonable.

The fourth prince glanced at Zhang Zhuo. If he wasn't a member of the Zhang family, he wouldn't bother to buy them.

But now that Zhang Zhuo doesn't know what's good for him, don't blame him for being ruthless.

The fourth prince was about to raise his hand to greet him, but there was a knock on the door, and then Zhang Zhuo's servant came in and whispered a few words in his ear.

Zhang Zhuo's eyes suddenly turned around, and then he looked at the fourth prince fearlessly.

"Fourth Prince, since we can't talk, let it go."

"See you later!"

But Zhang Zhuo and his servants just walked to the door and found that the door that could be opened just now could not be opened now.

"Hey, what's the hurry?"

"Have you found a new buyer?"

The fourth prince asked with a smile.

Zhang Zhuo saw that he couldn't open the door, so he didn't rush the servants to use force. Instead, he turned around and replied, "Your Highness, you misunderstood me."

"Since I said I would sell you, I naturally won't easily find a new buyer."

"But now I don't have to sell it, and I can also settle my gambling debts."

The fourth prince asked with interest: "Oh, there is such a good way, tell me about it."

"I won't hide it from your Highness. Now there is a new mortgage method on the market. You can mortgage goods and borrow money, plus a little interest, and you can keep the mortgage. When you redeem it, you will definitely return the mortgage to you. If you can't pay it back, you will be compensated at the market price."

The fourth prince immediately said exaggeratedly: "There is such a good thing? Aren't you afraid that the interest rate is not low? "

"It's only 50% monthly interest. I can use this money to pay off my gambling debts, and I can still buy more antiques from the Jinpeng Dynasty on the market. I can afford 100% interest, not to mention 50% interest a month."

"It's a pity that such a good business can only be obtained by those who are destined to do so."

"So, Your Highness." Zhang Zhuo waved his hand casually, and then said, "Don't worry about my gambling debts."

After that, Zhang Zhuo turned around and ordered the servant, "Knock the door open for me."

The servant received the order and was about to knock the door, but the door suddenly opened with a bang, knocking the servant back, rolling on the ground, screaming in pain.

Two burly guards blocked the door outside, blocking it tightly, casting a shadow on Zhang Zhuo's face.

Zhang Zhuo gulped, swallowed nervously, turned around and questioned the fourth prince:

"You want..."

Before he finished speaking, two guards stepped into the room and slammed the door shut.

A moment later, the fourth prince came out of the private room with two guards carrying a wooden box.

In the wooden box, there were the Jinpeng Dynasty antiques that the fourth prince needed, and the original owner of the antiques.

"Find a place to hang it up for him, and notify his creditors to rescue him tomorrow."

"Follow me to settle the antiques first."

After that, the fourth prince led people out of the restaurant.

The shopkeeper of the restaurant did not notice that there were two less people when they came out. Anyway, someone was paying the bill, and the shopkeeper was too lazy to care about these things.

Zhang Zhuo was greedy and raised the price, but he carried himself into the box.

I'm afraid he didn't even expect this result.

It was convenient for the fourth prince. Not only did he get the antiques he wanted, but he also saved a lot of money.

After the fourth prince took his men to deal with the antiques and people, he went to inquire about the new type of mortgage that Zhang Zhuo had mentioned before.

It turned out that what Zhang Zhuo said was true, and it was very popular.

The hottest news in the capital now is the antiques of the Jinpeng Dynasty, which attracted many people to participate in the hot transactions on the black market.

But this new mortgage method is tantamount to adding fuel to the fire.

Those who have goods in hand have taken goods as collateral, and after getting the money, they go to the black market to buy more Jinpeng Dynasty antiques, and after buying them, they mortgage them again, and so on.

After all, in just half a month, the antiques of the Jinpeng Dynasty have increased dozens of times, and the monthly interest of only 50% is insignificant in the eyes of everyone.

And continuous mortgage can make them earn several times the profit, how can it not make people excited.

The mortgage place is crowded, and people holding the most popular Jinpeng Dynasty antiques are scrambling to seek opportunities for mortgage, pressing handprints and drawing mortgages, which is so refreshing.

The fourth prince went to several places and found that this new mortgage business was more popular in the territory of the Money Gang. Other gambling houses and pawnshops, which accepted mortgages, had not yet rolled out this new business.

"The Money Gang reacted quickly. This time, we should be able to earn a lot of interest."

"No wonder Yang Wanli has been so busy that he can't go home every day recently."

The fourth prince shook his head.

When he just left the palace, he also went to the Money Gang.

After all, the Money Gang controlled the underground resources of the capital. With their help, the fourth prince could do business more conveniently.

But for several times in a row, Yang Wanli made excuses to not see him. The fourth prince thought that this deputy gang leader was arrogant, but he didn't expect that he was really busy with business.

Seeing that this mortgage place was so lively, the fourth prince couldn't help but be tempted.

He thought about it and finally made up his mind.

"It's only a few days, so there's no need to test the waters slowly."

"After making money in these few days, it will have nothing to do with me."

The fourth prince immediately sent someone to mortgage the antiques in his hands and exchange them for silver notes.

Then he took the silver notes he exchanged, plus the money he made from doing business with Boss Qian in the past few days, and went to the black market to participate in this crazy market.

But neither the fourth prince nor the others found a strange thing.

So many people mortgaged the antiques of the Jinpeng Dynasty for money, but the transactions in the black market were still hot, and even intensified.

It seems that with the hotness of their market, the antiques of the Jinpeng Dynasty are also being discovered and then flowed into the market, becoming their trading chips.

...

Sihai Gambling House.

The little black cat is happily counting a stack of silver notes.

After hearing the ending of Li Xuan's story, Zhu Shimin chose to eat the remaining 20% of the goods without hesitation.

But because he needed to report to Zhao Feng, he was delayed for a day, resulting in the payment being settled now.

In just one day, Zhu Shimin paid an extra 100,000 taels of silver.

Now, the latest price of Jinpeng Dynasty antiques has exceeded the unit price of 5,500 taels of silver, which is extremely crazy.

Originally, as they continued to ship goods and make profits, the speed of market growth also showed a trend of slowing down.

But yesterday, with the stimulation of the new type of mortgage, the speed suddenly picked up again, even more fiercely than the first few days.

After receiving the payment, Li Xuan gave the remaining half of the fish to Zhu Shimin for processing. How much profit can be obtained depends on his understanding.

But in terms of the current market situation, it is definitely a sure win.

As for how much can be earned, it depends on how ruthless Zhu Shimin is at that time.

The timing of telling the ending of the story is very important, and the market will be smashed fiercely at that time, so that more people can be killed.

There is no protection mechanism in the black market. Li Xuan can foresee that it will inevitably be a disaster that will collapse the sky and crack the earth.

But all this has nothing to do with Li Xuan.

For the last half of the fish, Li Xuan only took a commission and left it to fate.

If it weren't for this coincidence, he wouldn't have thought of returning to his old business in Daxing.

Li Xuan looked at the silver bills piled up in the Emperor Hong bone ring and couldn't help but start thinking:

"How much should I give to Emperor Yongyuan when I return to the palace?"

"Just enough to win the game, more is a waste."

"Five hundred thousand taels should be enough."

Li Xuan just remembered that he was busy speculating in antiques these days and forgot to see how other people's business was doing.

"I don't know how much others have earned?"

After Zhu Shimin paid Li Xuan the money for the goods, he happily came outside and directed people to move huge wooden boxes.

The wooden boxes were all imitation antiques that they had mortgaged.

And now, these imitation antiques are being sent to the black market non-stop for a second sale.

"Does anyone really think that the imitation antiques that were mortgaged will be sealed and kept obediently, waiting for the owner to redeem them again?"

These imitation antiques will continue to be mortgaged, and then continue to flow into the black market, and be sold twice, three times, and countless times, accumulating mortgage debts.

Until the day when the earth breaks apart, they will pay at the "market price".

Before they pay, the mortgage borrower must first pay off the 50% monthly interest.

But to achieve all this, the ability of "execution" is needed.

That's why Li Xuan gave the remaining half of the fish to Zhu Shimin.

He needed the Ministry of Internal Affairs to help him execute the difficult harvesting process.

Now that the treasury is empty, Emperor Yongyuan will surely let the Ministry of Internal Affairs go all out.

Of course, the most important thing is that Li Xuan doesn't want to be blocked and beaten after telling the ending of the story.

This job is still left to the more capable Ministry of Internal Affairs.

How big your appetite is, how much food you eat.

Li Xuan still understands this simple truth.

After counting the silver bills, Li Xuan was pleased to see Zhu Shimin, who was grinning from ear to ear, directing people to work.

Suddenly, someone greeted Li Xuan outside the door.