Judge of the Song Dynasty Chapter 50: Black eat black

Speaking of which, this Xu Zun is not easy to socialize with, but Wang Anshi is not so easy to invite. Now that he is in full swing, there are many people who want to invite him to dinner. It's Zhang Fei, he really might not agree.

Although he only met Zhang Fei once and didn't even say a word, it has to be said that Zhang Fei left a very deep impression on him.

Sima Guang, who was especially jealous, kept silent. Wang Anshi remembered that scene in his heart. When he went to the latrine, he wanted to make himself happy.

Hearing that Zhang Fei was going to offer advice to him suddenly, I was really curious and looking forward to it.

When Wang Anshi and Xu Zun came to the Xu Mansion, Zhang Fei and Xu Zhiqian had already been waiting.

After some salutes, Wang Anshi teased Zhang Fei and said, "I've seen quite a few people from Erbi, but it's the first time I've seen them making such a fuss like you, and I don't know how to restrain myself. No wonder the court wants to restrain You people of Erpen."

Unfortunately Sima Guang is not here, if you want to be here, you have to tell him that you are more troublesome than him, so you have the nerve to talk about him.

Zhang Fei said: "Scholar Wang's words are wrong. It's not Xiaomin who likes to make trouble, but some problems have overflowed to the point where they can be seen everywhere, so even if Xiaomin doesn't come forward, someone will stand up If there is anything wrong with Xiaomin, it is also because Xiaomin is too humble and weak."

The implication is that the common people are not at fault, but the adults are at fault.

Xu Zhiqian looked sideways at Zhang Fei in shock.

Good guy! If he is really a man who dares to hate Sima Junshi, it is unusual to open his mouth!

Wang Anshi didn't expect that Zhang Fei would make a joke out of himself, but instead of being annoyed, he burst out laughing.

Xu Zun on the side smiled and said nothing.

Zhang Fei's words seemed rude, but they actually touched Wang Anshi's heart.

Wang Anshi is the one who wants to stand up!

Because he also believes that these problems must be resolved immediately, otherwise, the country will be in danger.

Just in time, the food is here.

Looking at the food, Zhang Fei felt extremely honored, it turned out that he was at the same level as Wang Anshi.

There are really two more home-cooked dishes than usual.

Zhang Fei also finally understood why Wang Ye had to bring his own food and drinks when he came here.

Wang Anshi didn't care about this, he didn't even glance at it, and asked Zhang Fei, "I heard that you want my advice?"

"Yes."

Zhang Fei nodded.

Wang Anshi asked: "I don't know what strategy you have to offer me?"

Zhang Fei did not answer but asked instead: "I don't know if Master Wang knows about the housing prices in Bianjing?"

Rates? Wang Anshi was taken aback for a moment, and said with a smile: "Do you still need to know about the housing prices in Bianjing? Didn't you see that Xu Shisi and I are renting houses?"

Zhang Fei asked again: "Then I wonder if Master Wang wants to buy a house?"

Wang Anshi shook his head very simply and said, "I haven't considered this issue."

As far as his pattern is concerned, buying a house?

That's a waste of time.

No sense.

Mr. Dongpo is far inferior to Wang Anshi in this situation. Wang Anshi has really reached the level of the world. He has this matter in his heart and puts it into action. This is extremely important. There are many people who pretend to rule the world in their hearts, but like a bitter woman, they feel sorry for themselves.

Zhang Fei pondered for a while, and asked, "If the house price is very cheap, will Master Wang buy a house?"

"Perhaps it will." Wang Anshi said casually, "Aren't you going to offer advice? Why are you asking?"

Zhang Fei replied: "This is because of the strategy offered by the younger generation, which is closely related to the housing price."

When Wang Anshi heard this, he suddenly lost interest.

Again, the layout is too small.

As far as the economic structure of the Northern Song Dynasty is concerned, no matter how high or low the house price is, it will not affect the overall situation.

Come here if you don’t want to, just listen.

Zhang Fei waited for a while, and seeing that Wang Anshi didn't ask any more questions, he knew that he must be very disappointed, but he was not discouraged by it, so he continued: "I heard that in the early days of the founding of the People's Republic, Pan Gong once collected house taxes from the people because of the war against the Southern Han Dynasty. , to supplement military spending.”

Pan Gong is Pan Mei, a famous general in the early Song Dynasty. About this news, it was Xu Zhiqian who told Zhang Fei. After all, Zhang Fei was not a history major. He generally didn't know such details that were not related to the law.

Wang Anshi nodded slightly.

Zhang Fei said again: "It can be seen that the house tax is still very considerable. The deed tax I collect on land and houses is the same as that of one hundred. However, the price of ordinary land near Bianjing is about About five guan, the most expensive is only ten guan.

But a very ordinary small house costs about 5,000 guan. In terms of deed tax alone, the two are not the same. "

Wang Anshi smiled and said: "Although that is the case, the amount of buying and selling houses is far less than that of land, and those big landlords buy thousands of acres of land. Compared with it, the deed tax of land is more."

Zhang Fei said: "Scholar Wang is right, but if the court can stimulate the sale of houses, then the income tax revenue will be very considerable!"

Wang Anshi asked: "The policy you want to offer today is this house tax?"

Zhang Fei nodded and said: "Exactly. The younger generation has a strategy that can greatly stimulate house transactions and increase a considerable amount of income for the court."

After finishing speaking, he looked at Xu Zhiqian who was at the side.

Xu Zhiqian immediately handed over the copy she had prepared a long time ago, "Please read it over, Uncle Wang."

Wang Anshi took it and joked to Xu Zhiqian: "Qian'er, you have a share too!"

Xu Zhiqian was stunned for a moment, not knowing whether to nod or shake her head.

She was worried whether this would affect Xu Zun.

Zhang Fei knew what she was worried about, so he said: "Because Xiaomin lacks writing skills, I can only ask Mrs. Xu to write for her."

Wang Anshi frowned when he heard that, "If your writing skills are lacking, then you should practice more. How can you always get people to write for you? It's really outrageous."

He is a great writer, so he still cares about these things.

Actually, even Xu Zhiqian's writing style can't catch his eyes, you are worse than her, so what's the matter.

Of course, this may also be because Wang Anshi has relatively high expectations for Zhang Fei.

Zhang Fei said embarrassingly: "Why didn't you practice, but you don't have enough talent, so you can't do it even if you practice."

"No Promise!"

Wang Anshi gave Zhang Fei a look of contempt, it's so simple, how could he not be able to do it, it's just laziness.

However, contempt is nothing more than contempt, so he took it seriously and looked at it seriously. After a while, he was surprised and said: "The annual interest is only seven per cent? It can be repaid in ten years at most."

This simple sentence above immediately overturned Wang Anshi's views on lending.

The annual interest rate is seven percent, which is seven percent. Today's annual interest rate starts at double interest, and the monthly interest rate has reached eighty-nine percent.

This is too bad!

And it can be divided into ten years.

It's terrible!

Zhang Fei explained: "Although the interest rate is very low, the overall profit is still very considerable due to the huge amount. Taking the current ordinary house as an example, the total price of an ordinary house in Bianjing is about six About a thousand.

Based on one-third of the down payment, the borrowed money is 4,000 guan. The ten-year repayment period will bring the total interest to 1,500 guan. "

Wang Anshi couldn't help taking a deep breath.

The interest is more than one thousand strings.

This sounds like a lot!

"No!"

Wang Anshi suddenly said: "Your interest rate is wrong, it should be more than that."

Zhang Fei smiled and said: "That's all, because Xiaomin gave a very fair calculation method, so I wrote it below."

A fair calculation? Wang Anshi quickly looked at it, but after watching for a long time, his face showed embarrassment.

Xu Zhiqian was very aware of Wang Anshi's state of mind at this time, because she had experienced it before, so she winked at Zhang Fei.

Zhang Feiquan pretended not to see it, and waited silently.

He kept silent, and it was not easy for Xu Zhiqian to intervene. After all, Zhang Fei just told her the whole plan, but he didn't say how to fool her.

Wang Anshi took a few glances, and it was obvious that Zhang Fei didn't know what to do, so he coughed: "What's so particular about your algorithm?"

To put it simply, I can't understand it.

Zhang Fei adopts the algorithm of equal principal and interest. In this way, the monthly repayment amount is the same, which is more convenient, but the algorithm is more complicated and the interest is more.

But generally speaking, the interest rate is much lower than what Wang Anshi had in mind. One of the key reasons is that the principal is reduced every month.

Because lending today is based on total interest. For example, if you borrow 100% of the interest, the annual interest will be 10% of the money. Even if you pay it monthly, you still have to pay that much.

However, Zhang Fei's calculation formula is to repay it monthly, but he has to subtract the principal that has already been repaid.

Only then did Zhang Fei open his mouth and explain to Wang Anshi.

"I see!"

Wang Anshi nodded, and said again: "This is indeed much fairer than today's interest calculation."

As he spoke, he asked Zhang Fei in surprise, "You came up with this?"

Zhang Fei nodded and said: "Xiaomin's talent is all about this."

Wang Anshi was taken aback for a moment, and then realized that this guy did it on purpose, and gave him a slight look: "I can see it!"

Xu Zhiqian pursed her lips, thinking to herself, this person really must take revenge.

Why didn't Zhang Fei take the initiative to explain just now? In fact, he wanted to avenge Fang Cai's writing.

My writing skills are not good, you are at the same level as my writing skills.

Xu Zun shook his head with a smile.

However, Wang Anshi didn't care about it, on the contrary, he admired it even more. He really has the ability. Although the interest calculation is complicated, but every sentence is reasonable, and people can't find faults.

Zhang Fei also stopped, and said: "Although the total interest is high, due to the very long term, the burden on the borrower is not too big. With this amount, you only need to pay back forty-six per month. For those who can afford this house, Xiaomin believes that they will definitely be able to pay back the money, and it will not affect their lives."

This sincerity has nothing to do with the common people, Li Si's life is worth ten pennies.

This is mainly for officials.

His interest is also calculated based on the salary of officials, but since the benefits of officials in the Northern Song Dynasty are more than their salary, it is not easy to explain clearly. In fact, there is no need to explain clearly. Wang Anshi knows better than him.

It is very easy for an official who can live in a house of 6,000 guan to pay back 46 guan every month.

"Based on this calculation, it's not much." Wang Anshi nodded slightly, and suddenly said: "That's true, but with such a low interest rate, such a long period of time, and such a large amount of money, who would dare to borrow such a sum of money?" Ah!"

Zhang Fei said: "This is the reason why Xiaomin offered advice to Master Wang. If the imperial court can legislate to ensure that once the debtor fails to repay, the relevant house will be sold at a closed price to ensure the interests of the creditor, then naturally it will not I have this concern."

After fully considering Xu Zhiqian's opinion, he finally chose to auction the repayment instead of directly confiscating the house, although the former seems to be more beneficial to Ma Tianhao and the others.

Don't forget that there must be many officials who buy a house. If you do this, as long as there is a breach of contract, it will arouse the resentment and worry of the officials. Moreover, it is not operated by mobile phones in this era, and paying back the money is also very cumbersome. , which can cause various problems.

Since the buyers of houses are all people with status and power, of course fairness should be the most important thing.

Wang Anshi is not an ordinary scholar. Although arithmetic is not his strong point, he has a quick brain in terms of finances. Unless the capital is moved, otherwise, the housing prices in Bianjing will only rise, not If it falls, pay 30% first, and if you can't pay it back, then use the house to pay off the debt, and the creditor will never lose money.

But there must be a legal guarantee.

Yes! If it can be guaranteed that the house will be taken back, then this business is really profitable without losing money, and the income is not bad, so that's the case. Wang Anshi thought for a while, then suddenly said: "Why bother, the court can do it by itself, just like renting a public house."

"Huh?"

Zhang Fei was dumbfounded immediately.

A feeling of sending a sheep into a tiger's mouth arises spontaneously.