Chapter 131 130 Go home

"The Law of the Ming Dynasty": "If you privately release money and pawn property, you will not get three points of profit every month. Although there are many years and months, you will only make a profit of one yuan. Violators will beat you forty, and use the remaining profit to calculate the stolen goods. If you are serious, you will be punished by taking the stolen goods and be punished with one hundred sticks."

According to this law of the Ming Dynasty, the government allowed private lending, but only stipulated interest, that is, the monthly profit should not exceed three points. In today's terms, the loan interest rate allowed by the government is 3% monthly interest, and the annualized interest rate is 36%.

There is another additional regulation, that is, no matter how long the loan takes, it cannot exceed one principal and one profit, that is, the interest cannot exceed the principal.

This supplementary clause is actually a protection for the borrower to be unable to repay the money after borrowing it.

But the rules are dead and people live.

For those who specialize in money-distributing business, the loan notes will naturally not exceed three years. Most people sign loan notes in monthly units, and they have to sign the loan notes again when they expire. How can they really do things according to the rules of one book and one profit?

Wei Guangde naturally knew it when he was reading the book. In fact, he was still amazed when he saw this. Many private lending in later generations were mostly one corner and two corners of the moonlight. It would be forty whips to the Ming Dynasty.

But the profit is profitable. Most of the later generations have been transferred to loans when they are due, and the interest that cannot be paid is rolled into the principal. There is this saying among the people who have released money. OK, that is, there are 100 boards.

The skin is already blooming with forty whips, and there is still a hundred boards, so basically the person is gone.

These are all written, or the official execution is carried out, but Wei Guangde still knows that the monthly interest rate of private lending is fair, because no one will borrow money at three points.

Wei Guangde became a little interested in what Zhang Hongfu mentioned not to do any business and just put out the money.

“Is there a mortgage?”

Wei Guangde was moved, so he naturally had to ask clearly.

"Of course there is, who dares to borrow without mortgage? The best thing about houses and shops is the land. If you can't afford to pay it back, you can use things to pay off the debt."

Zhang Hongfu laughed and said, "You are interested. I'll go back and ask my second uncle. What he said, after all, it's not that anyone needs money turnover at all times."

Wei Guangde nodded slightly.

When Wei Guangde returned home, he was probably settled.

I got the money from my father and put out five thousand taels, and the annual interest rate was 3,000 taels.

In fact, at this time, what Wei Guangde was most worried about was that he could not borrow the money.

On the way home, Zhang Hongfu also talked to him about the current situation of private lending, which is mostly due to farmers' loans.

From the period from summer tax to autumn harvest every year, farmers often have no money or grain in their hands, so they can only borrow money and hope to relieve the financial difficulties during this period.

Businessmen are not sure if they borrow money. They are all facing great opportunities and big business, and they don’t have enough capital.

In a word, Wei Guangde should not rush to let the money go out, and this is also a time to wait for the right time.

When I got home, my dad was already back.

Tonight, Dad Wei did not get drunk like he did yesterday. Now he is awake and sits in the main hall to drink tea.

When Wei Guangde entered the door, he saw his father happy and couldn't help but ask, "Dad, have you received the appointment document?"

"It's not easy for your brother to take over the hundred households, I thought I would stay there for the rest of my life."

Dad Wei was in a good mood and the wrinkles I saw last night were stretched out at this time.

Well, people feel refreshed when they are happy, maybe it is the current situation of my dad.

"Then you and your uncle are going to move to Jiujiang City, and your elder brother and cousin will continue to stay in Pengze?"

Wei Guangde walked to the lower position, sat down and said.

"Guangde, you are destined to be a military officer, so you cannot understand the importance of that position."

Dad Wei did not directly answer Wei Guangde's words, but said casually, "Next year, I will handle the wedding of your cousin and your brother. Your brother should have done this year, but it was delayed.

You go to the street to buy some gifts and bring them with you in the next two days, and we will go back in two days.”

“Have you been back this year?”

Wei Guangde asked.

"certainly."

Mr. Wei's answer was very straightforward, "I took office only after the New Year, why are I staying in Jiujiang City now?"

A few days later, three large ships docked on the dock of Jiujiang City, and two hundred households from the Thousand Houses of the Right Army were boarding the ship in an orderly manner.

The reason why I spent a few days in Jiujiang City was actually because I was waiting for the reward of silver, and the casualties were also burned and buried.

This time, more than a hundred people went out of the Hundred Houses in Bengshan, three of whom died. They were all killed in the later attack on Dinghai County. More than a dozen were injured and they were completely disabled. They could only let their family get ahead of others.

Fortunately, because Dad Wei is quite adept at treating his men, every family still has a man who can make up for the vacancy.

At this time, the imperial court did not give a higher reward because the Japanese pirates did not break out. Therefore, although they killed a lot of Japanese pirates, the reward silver they received was distributed according to the rules, not much, but Wei Guangde did not know about this.

"That's right. A total of more than ten people died and more than twenty injured."

Knowing the money received this time, Wei Guangde curled his lips and felt that it was too little. Uncle Wu Zhankui said to him with a smile.

"It is also a common practice for those who die to burn the silver for three taels. We will give it as much as possible."

Because Jiujiangwei has a little bit of face to the adults in Nanjing this time, the silver reward is quite fast, although it will be deducted as usual.

"I went there, each person had ten taels of silver. If it was insufficient, we would make up for it."

Wu Zhankui shook his head. The little money given by the court was not much after two deductions.

I thought that I would go out and go through life and death, and I would spend less money, so how can I bring people in the future?

"Okay, each person who is alive costs ten taels of silver, and the dead adds three taels of silver to burn it."

Dad Wei nodded and agreed.

After the soldiers boarded the boat, the big boat set sail, because it was going downstream and could reach the Pengze County Wharf in half a day.

When the fleet arrived in Pengze County, there were already many people waiting on the pier.

When the fleet returned a few days ago, all the families of the garrison knew that all the people who went out had returned, and the names of the disabled and dead soldiers were only released at this time.

Those who live in their families are naturally happy, while those who are gone are crying and robbing the earth. There are also many people watching the fun, blocking the dock.

Wei Guangde followed his uncle and when his father got off the boat, he saw his elder brother at a glance. He was following his cousin at this time, but he was the one who greeted Tang County Zun and Liu Cheng's deputy Qianhu. Wu Dong could only follow them. Although Wu Dong was in the Qianhu Office, he was the person in charge.

After the greetings, everyone was about to go to Qianhu, but on both sides of the road where the soldiers and the yamen ran apart, the families of more than ten families who had relatives killed in battle were crying on the side of the road with a black jar. Wei Guangde was beside his elder brother and saw the families of the three people in Bengshan Fort with his own eyes.

Although it had been almost a year since leaving Bengshan Fort, Wei Guangde still recognized those people, one of the young women was crying there in her arms, who was still holding a child over one year old.

Wei Guangde knew her. He was the wife Cai Da married only two years ago and gave birth to a girl at the end of last year.

Seeing their pitiful appearance, Wei Guangde not only thought of an edict he had read.
Chapter completed!