In late autumn, the western mountains were filled with red leaves and frost. The weather in the capital was getting colder day by day, but prices were rising day by day. Since when, the people in the capital have found that their income has indeed increased, the salaries of officials have increased a lot, and the prices of farmers have been rising. When going out for a short-term work during the slack farming period, and young children entering the city to work in factories, they have brought a lot of cash that they had never had before.

After the autumn harvest, Wang Fu, a farmer living near Lugou Bridge in the capital, sold his family's grain. The 40 acres of land planted by the government made good harvest this year, especially during the bumper year, there was no situation in which the previous bumper year was cheaper. The grain station still collected the grain at the price booked at the beginning of the year and paid the remaining grain payments.

This year, Wang Fu harvested more than 100 dan of wheat from 40 acres of land, and the yield per mu exceeded 300 kilograms, which is a bumper harvest. This year's purchase price of wheat is two yuan per dan, which is more expensive than rice in the south. In addition to taxes and rents, as well as the purchase of manure from the manure factory and the bean cakes bought from the oil press to make fertilizer, as well as seed money, ox rent money, and some loans from the credit union, there is still a lot of money left.

In addition, Wang Fu went to build a reservoir during the slack season this year. His two daughters worked in a textile factory and his eldest son was a soldier. He also sent back a lot of money every month.

After finishing his work, Wang Fu took a stake and found that his family of eight had earned more than 100 yuan this year. This did not include the calf raised by the family and the pigs, sheep, chickens and ducks they fed.

Wang Fu thought he had made the wrong calculation, so he went to the village primary school to invite the principal to his house and calculated it carefully. That's right, it's more than one hundred yuan and more than one hundred and seven yuan.

The account may be wrong, but the money will not be wrong. Silver dollars, copper dollars, silver dollars coupons, and all kinds of money piled up on the kang. Wang Fu and his wife sat there for a long time and then laughed.

Wang Fu took a wooden box and packed all the money together. The couple didn't sleep well that night, for fear that the money would disappear as soon as they fell asleep.

"How do you think this money should be spent?" Wang Fu put the small money box under the pillow, and he faced his wife sideways and asked in a soft voice.

It was a hundred yuan a year, but I never dared to think about it. Working hard for a year, it would be good if you owe it. In a disaster year, you have to borrow money to owe it. In a bumper year, the food price will die. There was no other way out before. The family was just taking care of the few acres of land in the field.

Unlike now, the farming tax is less, and the tax is clearly placed there, and the acres are still being distributed, and there is no need to do extra labor. This year, Wang Fu went to build the reservoir and worked for two months. If it were in the past, he would have to do free labor for nothing, and he might have to bring his own food. But this year, he worked in the reservoir for two months and got ten yuan, because Wang Fu had learned to cut stones before, so he was considered a stonemason. In the past, he relied on this craftsman to earn two dollars in his spare time to pay various taxes and buy salt. This year, he evaluated a craftsman of ten yuan monthly salary on the reservoir construction site.

I worked for two months, and when I came back, I got twenty yuan in full.

Because my wife is taking care of the family, she has been raising cattle, feeding pigs and sheep, raising chickens and ducks, growing vegetables, and weaving cloth at home textiles and threads. It is also suitable for household use.

Even his two unmarried daughters worked in a textile factory not far away and could get four silver dollars a month.

My son is in the army. If it were in the past, I would have to have subsidies from my family. Now my son is a senior citizen and can send five dollars to my family every month.

"Or it would be better to deposit it in the bank first, and my son and two daughters are older, so they should say they have kissed me. At that time, I will definitely have a lot of money. Now I need to start asking someone to find a partner, so I have to prepare the money early. I can leave it in the bank, and I can get it at any time and get some interest. It's safe and secure." Wang Fu's wife Zhang is an idea-friendly woman.

Wang Fu actually wanted to buy land more. The land they planted now was official land. They planted it in tenant land. According to the rules of the court, they could redeem the official land they rented. Wang Fu had inquired a few days ago. Now the redemption price of a mu of official land is twenty silver dollars, which is very fair.

If it weren't for the large number of people who moved to the border in the past two years, they would definitely not have thought of a family leasing for 40 acres of land, let alone a redemption fee of 20 yuan per acre. If the tenant farms do not need to buy land, that is, permanent tenancy rights. But Wang Fu always felt that it would be better if it was his own land. If the policy changes one day, wouldn't they have no land to plant again?

But the wife felt that she had to tell her children about marriage first, and the matter of redeeming land could be pushed back, and the government's policies could not be changed just by saying that they would change.

Early the next morning, Wang Fu made an appointment with men from the same village to go to Liangxiang City to save money. A group of men were on the way, and they were more at ease with so much money. Along the way, everyone was laughing and laughing, with money in their pockets, and they were a little confident, and they had to walk much more excitedly.

Everyone even said that they had to buy some goods to go home later. Some said they wanted to pull some floral cloth to make new clothes for their mother and daughter, some said they wanted to buy hairpins for their yellow-faced women at home, some said they had children at home, some said they wanted to buy some candy, and some children were studying, and some said they wanted to buy some paper and pen.

I walked into the city with a joke, but everyone didn't dare to delay, so I went straight to the credit union. The full name of the credit union is a rural credit union, which is also a bank. However, for rural people in various parts of the Han Dynasty, the main issue is rural micro-loans to help farmers.

Borrowing loans to farmers to buy seeds or farm tools, especially cattle, horses and piglets, is always lower because of the support of the state's policy. People have more or less used many conveniences here, so people usually save more money and other things here.

However, Wang Fu and others who came to save money happily soon looked a little unhappy.

Because the credit union staff at the counter told them that the court had just lowered the deposit and loan benchmark interest rate last month, lowered it by one percentage point at a time, and narrowed the upper limit of the deposit interest rate floating range from one or two times the benchmark interest rate to one or two times.

Wang Fu and others didn't understand it very well.

At this time, the manager came over and explained to them seriously that the benchmark interest rate would be reduced, which means that the interest rate for deposits and loans would drop. Wang Fu deposited 100 yuan for two years, and the annual interest rate was five percent. Two years would be ten yuan.

But now, it will be reduced by one percentage point, and the annual interest rate will be 4% and the interest rate for one hundred yuan is only eight yuan for two years.

"So there is not a 20 yuan interest rate for two years of deposit of 100 yuan?" Wang Fu asked clearly early. Don't think that we are just a mud-legged person.

The manager smiled helplessly and brought a table.

"Uncle, we are also an industry under the name of the royal family, so I dare not lie to you. It turns out that there was a two-year fixed annual interest rate of 10%, but that was a long time ago. Since last year, Imperial Bank has cut the benchmark interest rate several times, and has also increased the deposit interest rate of other banks again and again. Now our credit union is implementing the highest floating rate of 100 yuan. If you deposit a hundred yuan and have a regular two-year fixed interest rate of 8 yuan and 8 yuan."

"Why did the interest rate fall so quickly!" Wang Fu also believed in the title of royal industry. In the past, he had borrowed agricultural loans here. The extremely profitable interest at that time made him very grateful. But now, it is difficult to accept such interest for a while.

It turns out that what the royal family still remembers is the regular interest rate of 10% in the past two years, but now it is only 4%. The difference is too big.

"Where do I want to survive?"

"It turned out to be 0:72, but now it is 0:36. If it is a three-month period, it is 2%."

Hearing this, Wang Fu became more and more disappointed. The other men in the village also looked disappointed, "Dafu, what should I do? You said?"

Wang Fu thought about it and finally decided not to save it.

"No more, go home."

In the end, no one saved money, and went home with the money on his back, and no one even went shopping.

When Wang Fu returned home in a depressed mood, he told his wife that the interest rate was reduced so low, and his wife was disappointed. If it were ten percent, it would be 100 yuan for two years, and one hundred yuan would become 120 yuan. But now, it is only 8 yuan for two years to deposit it for eight yuan.

"Or, let's deposit the money to other banks."

"It's useless. The manager of the credit union said that the interest rate was stipulated by the court, and the credit union could be up to 10% more than the Imperial Bank stipulated, and it was only 80%8 for two years."

"Why does the interest rate of this credit union have to be managed by Imperial Bank?"

"The Imperial Bank is a yamen specializing in managing various banks, bank accounts, money shops, etc. Do you think they can manage it? Anyway, the Imperial Bank has set the standards now, and the deposit interest is all reduced by one point, which is a two-year fixed period. No matter which bank bank, the maximum is not more than 5.5%, and the minimum is not less than 5%. They are all determined to die."

Zhang was a little unwilling to accept it. She felt that she had lost a lot of money.

"Or, let's lend it to the Wang family."

"You want to live, you can believe the Wang family." Wang Fu shouted immediately. The Wang family is actually Wang Fu's fellow clan, but a big family. The family is a landlord and there are many shops. Among them, the more famous shops have pawnshops, which are mortgage loans, and the interest rate is much higher than that of normal bank money houses. In the early years, the Wang family also put high loans and exploited them a lot.

Now the imperial court has prohibited the release of Gaolidai, and has also made regulations on the interest on deposits of each bank. Even the pawnshop industry has clear regulations.

But the Wang family secretly started private lending. According to the court's law, as long as it does not exceed three times the bank interest, it will not be considered usury loans.

After the current loan interest rate of the imperial court has been lowered several times, the lowest interest rate is 6% within half a year. Calculated at no more than three times, as long as the interest rate does not exceed 18% of the year, it is still considered legal.

Therefore, the Wang family is now engaged in this kind of private lending. He used one and a half times of the bank's deposit interest to attract the people from the public to deposit money into his underground bank, and then distributed it to those who want to lend but fail to meet the bank's lending standards. He paid three times the interest rate. Once he changed his hand, he doubled his money from it.

He even made a trick of nine out of thirteen returns, which increased the interest in disguise. The lender borrowed ten yuan from him, but in fact he only paid nine yuan, but he had to pay it for thirteen yuan a month later. This method was actually the exploitation method used by the Wang family when opening a pawn shop. The interest was equivalent to thirteen percent, but it was a monthly interest rate, which was quite ruthless. This short-term loan was a disguised usury.

"Nine out and thirteen return are all called Thunder God. Our family cannot do such a bad business."

Wang Fu thought for a while, "I think we might as well use this money to redeem the land, which can redeem five acres of land for one hundred yuan." Wang Fu was obsessed with this matter.

Zhang refused. Zhang thought that the new dynasty was first established and the government policy could not be the same every day. Therefore, the 40 acres of land that he owned his own family would not have anything to worry about. Since it is still possible to redeem early and late, it is still possible to plant it, so why spend the money now?

"I said, let's ask someone to build three new houses, and then tell Xiaodong that he is a kiss, and now we will start preparing furniture and marries. Let's talk about the wife back soon, and let's hold our grandson sooner."

In the end, Zhang's words moved Wang Fu.

Now there are forty acres of land in hand, and their children are making money. In addition to the production in the land, Wang Fu can also go out to work for several months every year. His income is indeed relatively stable. Now his family still lives in a few dilapidated houses. His son is old and he wants to get married in the dilapidated house.

As soon as he gritted his teeth, Wang Fu agreed.

"Okay, let's get up, and take advantage of this winter leisure to invite craftsmen to help the house. Let's build a big tiled house!"

Building a house is a top priority in the countryside and rural areas. Many people may not be able to build a house in their lifetime. People with abilities like to build a house.

Wang Fu planned to build three large tile houses and brick houses to make them more stylish. After they were done, they could also tell their son about their daughter-in-law.

He built it as soon as he said that, Wang Fu went to the next village that day to find a famous bricklayer in the nearby village and asked him to help him preside over the construction of these three tiled houses.

After the old craftsman came over, he had a careful discussion with Wang Fu for a long time, and finally determined the style, size, location, etc. of the house, and then used materials.

Everything was decided, and then the old craftsman was asked to estimate the materials. Then Wang Fu went to the brick and tile factory in Liangxiang to order bricks and tiles, buy wood, buy white ash river sand, etc., and invite some other craftsmen, and ask relatives and neighbors to help.

Everything has to be paid for.

Fortunately, in the countryside today, although the three brick and tile houses are already quite grand, they can only be prepared for a few dozen yuan.

When building a house, you cannot have no furniture. This new house naturally needs to be equipped with new furniture. You cannot use the rags from the past. You have to hire a carpenter to buy wood.

The original budget of the old craftsman was to build three brick and tile houses, with a maximum of 30 silver dollars.

The carpenter's budget is the floor plan of the house, wooden skirt, doors, windows, beds, chairs, tables, stools and other furniture, all of which are twenty silver dollars.

I spent fifty yuan to build three large brick and tile houses with a yard. In the past, it was a style that only landlords had.

With several craftsmen and masters budgeted orders, Wang Fu took his relatives to Liangxiang again and prepared to purchase various materials. (To be continued.)
Chapter completed!