Zhu Ying actually hates the matter of mortgage loans.
Especially in the past life.
But now, the housing loan is finally released.
This is not because he wants to do this, but because the fast-moving economy is forcing him to do so.
Before the mortgage loan was opened, there was such a criminal case in Liaodong, which caused quite a stir. It even spread to the capital, and even Zhu Ying and Zhu Yuanzhang knew about it.
The perpetrator was a police officer from the Public Security Station named Zhang Xiong.
I was retired from the border service. Because I reached the age of fifty, I accepted the adjustment and was placed in the security station.
There is also a substantial retirement allowance.
Logically speaking, this situation is naturally very good. After all, after retirement, you can get money and receive official food.
He also has an only son, who is Zhang Xiong’s lifeblood.
The only son in his twenties has not yet married, which worries retired Zhang Xiong.
Fortunately, after dozens of blind dates, we finally got to meet someone.
This is not to be blamed on his only son, because Zhang Xiong has been guarding the border for a long time, and if there is no man in the family, he will naturally be bullied. An accident caused his only son to become lame in half his leg.
Otherwise, given Zhang Xiong's current situation, there is no need to worry about finding a good family.
It's just that the woman said that she hopes to buy a house in Fucheng and live in Fucheng.
This is a capital city. Although it is a frontier, due to the recent economic development of the Ming Dynasty and the disappearance of the threat of your Mongolian grassland, prices have risen extremely rapidly.
There are also many Mongolian nobles who have decided to come over.
Zhang Xiong just retired as Xiao Qi, so of course he couldn't afford so much money, but for his son's sake, there was nothing he could do.
In the end, I had to find a bank to borrow money.
The problem lies with this bank.
This bank is just a private bank, and most of the people behind it are former smugglers.
Zhang Xiong was illiterate, so he encountered a trap when signing the contract.
I borrowed 50,000 guan of treasure money, but less than a year later, the bank sent someone to collect the money, demanding 800,000 guan of treasure money with interest.
Eight hundred thousand, where did Zhang Xiong get so much money?
The family's house and land were sold, but the income was still a drop in the bucket.
There are no serious people who engage in smuggling on the grassland. In the end, they have to go to Fucheng to find their only son. If they don't pay, the house will be taken away.
Zhang Xiong was just such a son. Hearing his threatening words, he felt angry and evil in his heart.
He used his position to find out who was behind the bank.
I have been staying at the border all year round, and I know nothing but murder in this life.
He poisoned them overnight, and then killed all of his family of more than 180 people.
This is a tragedy.
It immediately attracted great attention.
Originally, it was over here. The clues were very clear. All we had to do was capture the escaped Zhang Xiong.
However, Zhang Xiong unexpectedly went to find his old man Shangfeng.
Once in a confrontation with the Mongols, he saved the life of his general banner.
And that general banner is now home to thousands of households.
After hearing that his savior had caused this disaster, he immediately led hundreds of soldiers and went directly to kill all the people in the bank.
Even the police station had no choice but to watch the bank burn down.
Now, the problem becomes bigger.
The prefect of Fucheng directly intervened, but the guard station refused to give in at all, and the two sides reached a stalemate.
And those thousand households naturally have some connections.
In the end, they joined forces with several Paozes and directly surrounded the Fucheng Yamen, causing quite a commotion.
Because of the riots in the local army, the matter spread to the capital.
Speaking of which, it is still due to the relationship between buying a house and borrowing money.
In this era, borrowing is often extremely profitable and very dark.
After Zhu Ying heard about this incident, he asked people to investigate the news related to banks and house buying in various places.
Sure enough, a large number of similar situations were found.
Of course, most people 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 looked for other ways.
If you are used to doing illegal business, it is impossible to come aboard with a clear conscience.
A large number of gangs were formed, all black and gray.
Even if it's something like human trafficking, of course the money is enough and you can just do it.
Zhu Ying thought of ways to move people from outside in. These beasts used deception and robbery to traffic people from the Ming Dynasty and made huge profits. It was simply lawless.
The chaos in the border areas is caused by many factors. Rectification efforts to crack down on crime and eliminate evil are common, but the root causes are difficult to remove.
Compared with these evil forces, ordinary people have no room to resist.
Maybe the local government also acts as a protective umbrella.
So after learning this, Zhu Ying asked Royal Bank to start the mortgage business.
At least Royal Bank will not be like these black money banks, forcing others to lose their lives.
In the past, for many people, fields were everything.
Because Zhu Ying was not allowed to buy and sell land privately, the people's focus was on their houses.
Now, these bank bosses in the capital want to force the imperial court by maliciously raising housing prices.
Housing prices are not controlled by the government or the court, but are self-regulated by the market.
The more people there are, the greater the demand for housing, and housing prices will naturally rise.
In fact, for now, the housing prices in Daming are not beyond the reach of ordinary people. Except for the major cities, such as the capital, or the economically prosperous coastal areas, which are slightly higher, it is not that exaggerated.
Today, the total population of the Ming Dynasty, including the floating population from outside, is roughly just over 10 million.
For example, on the capital side, Zhu Ying did not want overcrowding in Nanjing, so he continued to develop the suburbs.
The more houses are built, the higher the price will naturally be.
As for the city of Nanjing, it can be said that there is a price but no market.
Zhu Ying just waited quietly, watching the bank bosses perform.
As time went by, two months passed in the blink of an eye, and the autumn of the thirty-first year of Hongwu arrived.
There has also been a lot of noise about the joint real estate speculation between banks.
Of course they wouldn't dare to do such things as hoarding goods under the emperor's rule in the capital, and besides, they didn't have so much money to do it.
The housing prices here in Nanjing are already high enough.
And the target is those other prefectures and cities.
The rumors that Zhu Ying deliberately spread, due to time constraints, naturally slowly faded away without any action from the court. Some of the banks that could not hold on were eventually bankrupt and liquidated.
Zhu Ying naturally asked Royal Bank to take over the business and continue the business under a different brand.
In the era of slow carriages and horses, it is impossible to say that it evolved as quickly as in later generations. This requires a fermentation process.
If he wanted to take action, he would naturally do it in the prefectural cities. Zhu Ying had asked Jin Yiwei to pay attention to the changes in housing prices in various prefectural cities at any time.
On this day, Zhu Ying, who was walking her baby with Zhu Yuanzhang, received a report from Jiang Wei.
"Your Majesty, Your Majesty, Jinyiwei Yamen has received reports from various places. At present, housing prices in various prefectural cities have undergone tremendous changes."
"Led by banks in various places, not only the banks, but also many large households, nobles, etc., have also joined the ranks of hoarding houses, hoping to make high profits."
"This storm of hoarding of houses is spreading to the entire Ming Dynasty. Including the recent houses in the capital, prices have increased by about 20% due to events in various places."
Zhu Yuanzhang glanced at Da Sun, who had a calm face, and said with a smile: "These guys have indeed fallen into the trap. Da Sun, when do you think the net will start to be closed?"
"I guess during this period, our money bag has swelled quite a bit."
In the field of house construction, starting from the renovation of Zhengyang Avenue, the first to enter the industry was the Qunying Chamber of Commerce.
After the Qunying Chamber of Commerce was broken into pieces, the construction area was pulled out separately.
Today's construction is of course based on cement, abandoning the pure wooden structure of the past. Zhu Ying has the largest and largest cement factory in the Ming Dynasty.
no way.
While private companies are encouraged to open factories, there are not many private dry cement factories due to restrictions on profits and ensuring workers' wages.
Development cannot stagnate, so Zhu Ying quickly opened offices in various places in the name of chambers of commerce, which also included construction teams.
The reason why Zhu Yuanzhang said that the internal funds had increased again was because Zhu Yingcai was the largest real estate oligarch in the entire Ming Dynasty.
It can be said that the largest builder in every city is under the name of Zhu Ying.
It’s not that there aren’t wealthy families, or even wealthy people who want to join the construction industry.
In order to prevent the recurrence of the tragedy in future generations, Zhu Ying set many thresholds in the construction area because the hard-earned money of the workers could not be guaranteed.
For example, workers’ wages.
It is not settled by the businessman who contracted the construction, but the deposit must be paid in advance to the local government.
The wages are arranged by the local government and will be paid in full after verification by the builder.
Because under the provisions of the law, the whole world is not the kingdom.
Even after the house was built, the land deed still belonged to the court, so the local government naturally had to get involved.
This includes the control of project quality, which is also the responsibility of other yamen on the local government side.
To put it bluntly, most of the houses in various prefectural cities are sold by Zhu Ying.
These bank bosses hoard goods and maliciously drive up housing prices. In fact, a lot of money goes into the pockets of internal funds.
Zhu Ying did not control the bank manager to do this first, and there were also considerations in this regard.
To put it simply, it is to collect the working capital of these private banks and wealthy families.
"The revenue from various places has not been reported yet, but according to their efforts, I'm afraid it won't be much less."
"Such a high housing price in the capital can be affected by an increase of 20%. In other cities, it is estimated that the price has increased several times, even ten times. It is not an exaggeration." Zhu Ying replied with a smile.
Zhu Yuanzhang asked subconsciously: "How many Guan Baobao should it be?"
Zhu Ying shrugged: "I don't know, I guess it will start at tens of millions, or even hundreds of thousands of treasure notes, it is possible."
"so much?"
Zhu Yuanzhang was obviously a little surprised, but he quickly recovered.
In the past two years, money has really been worse than money.
Taxes worth tens of millions of dollars could make Zhu Yuanzhang excited for a long time.
But since the arrival of the great grandson, there have been tens of thousands and hundreds of thousands at every turn, which is really mind-numbing.
Originally, the treasure banknote promotion department had to print the treasure banknotes for fear of causing the banknotes to depreciate.
What now.
The ratio of consistent treasure notes to one tael of silver has reached one to one.
However, a large amount of silver was constantly used to exchange for treasure banknotes, which led to a certain extent that the Ming Dynasty's treasure banknotes were not enough.
The reserves in the treasury are greater than the amount of money printed.
The only thing we can do is to continuously expand the treasure banknote lifting department and print continuously for twelve hours.
Likewise, large amounts of gold and silver continue to flow into the national treasury.
"How about we close the net later, Da Sun?"
The money came so quickly that even Zhu Yuanzhang was a little excited.
This is more expensive than a house raid.
Zhu Ying shook his head: "It's not good to delay for too long. Now all the big players entering the market are banks, including wealthy families like Xun Gui."
"If it is delayed for a long time, many people will definitely follow suit, and when the time comes to harvest, it will only damage the public sentiment."
"There may be some greedy people nowadays, but they are very few in number. Most of them are waiting and watching."
Now, no less than in later generations, there is Internet communication, and housing prices can be monitored in real time.
It takes time for news to spread from the capital to the whole country.
A slightly better aspect is that this incident was mainly concentrated in various prefectural cities.
The official roads in Fucheng have been improved, and the transmission speed of the post station is fast. Even in the slowest areas, a month is enough for the news to spread.
There is also a time difference.
That is the reporting process for the Jin Yiwei who are responsible for lurking in various places, and it also takes this long.
This back and forth has been going on for two months.
The longer it is delayed, the more people will be tricked. People are greedy. When they see others making money, even if they know there are certain risks, how can they endure it?
Most people have just reached the subsistence level, and the rapidly developing economy gives people the illusion that they can make money quickly no matter what they do.
Many people can always hear that a certain fellow countryman made a fortune somewhere and returned home in rich clothes.
So-and-so earned a lot of money and bought a big house in the city.
When someone marries a daughter-in-law, the bride price given to her would scare someone to death.
Under such a social background, when housing prices rise rapidly, just like the stocks of later generations, many leeks come uninvited.
Harvesting as soon as possible can effectively attack these banks, and at the same time cut off a wave of large households, reducing the current gap between rich and poor in the Ming Dynasty.
"Okay, since Da Sun said it, let's get started."
This Ming Dynasty belongs to us, so there is no need to covet people's money.
Zhu Yuanzhang thought this way.
Zhu Ying nodded and told Jiang Wei: "Send an order to the Di newspaper department to immediately put the prepared Di newspaper on sale early tomorrow morning."
"At the same time, an order was sent to the six ministries to send the prepared 'sales restriction order' from the inn to the chief secretaries in a six-hundred-mile expedited manner."
"Require the chief secretaries of various places to immediately publish the local newspaper as soon as they receive the 'sales restriction order', and strictly inspect the local government offices, and order the local government offices not to change the property deeds."
Sales restriction order:
Anyone who purchases a new house or an old house is not allowed to purchase or sell the property within two years.
By virtue of household registration, starting from the issuance of the sales restriction order, two or more houses with deeds are not allowed to be purchased in the same area.