"Congratulations to Village Mo for having a bank deposit of 500,000 strings of cash!"
When the bank of Village Mo hung up the huge banner, the whole city of Chang 'an was shocked.
At this moment, people realized how sharp Mo Jiazi's vision was. The wealth of a commoner was naturally nothing in the eyes of the world, but the wealth of all the people in Chang 'an would be an astronomical figure. Moreover, 500,000 strings of cash was far from the limit of Chang' an's citizens.
"It's already 500,000 strings of cash, and Mo Jiazi is still collecting money!" In Chang 'an, almost everyone was talking about it. Ordinary people had limited money, so they had never heard of such a huge amount of wealth. However, Mo Jiazi had obtained it in such a short time, which was simply a miracle.
"Gosh, how much interest does he have to pay every year?" People were shocked.
"Could it be that Mo Jiazi is so short of money that he is afraid of it? He has prepared more money as a backup. "An idler guessed.
"Nonsense, who doesn't lack money in this world? For example, Shopkeeper Fan of the Fan's Business Firm in the East City is the richest businessman in Chang 'an. I heard that he has lost a lot of money recently, so he is borrowing money everywhere." A businessman sneered.
"Shopkeeper Fan has been in Chang 'an for so many years, so he must have a lot of connections!" The idler clicked his tongue. Shopkeeper Fan's business was quite big, and he was very famous. Everyone was very familiar with him.
"As the saying goes, it's easy to add flowers to brocade, but difficult to send charcoal in snowy weather. Besides, the money Shopkeeper Fan needs is not 10 strings of cash, so how can it be so easy to raise enough money? I heard that Shopkeeper Fan's hair has turned white these days. If it goes on like this, I'm afraid Shopkeeper Fan has to borrow money. "The businessman sighed.
"Borrow money!" The idler exclaimed, "How many people in this world can get away with borrowing money? Unless he can borrow money with an annual interest of 3% like Mo Jiazi."
"3% annual interest?" The businessman snorted and said, "How is that possible? Not to mention 3% annual interest, even if it was 6% annual interest, the Qian Family would not be willing to lend money to Mo Jiazi, let alone him. "
Everyone fell silent. When a person was in dire straits, a single copper coin could force a hero to his knees. Moreover, the amount of money Shopkeeper Fan needed was not a small amount.
"Not everyone is a disciple of the School of Mo!" Everyone sighed.
Mo Jiazi could lead the Mo Family out of the predicament with his own wisdom, but others might not be so lucky.
East Market Fan Mansion.
The grizzled Shopkeeper Fan walked into the yard dejectedly. It was hard to imagine that he was the famous Shopkeeper Fan of the East Market in Chang 'an City.
"Father, how is it? Did Uncle Qi agree to lend us the money? " The eldest son of the Fan family hurriedly went up to greet him. The Uncle Qi he mentioned was a good friend of Shopkeeper Fan for many years and was also a famous wealthy merchant in Chang 'an.
Shopkeeper Fan shook his head and said, "Although your Uncle Qi has some extra money, he just deposited it in the bank of the Village Mo's Village. He doesn't have any extra money now!"
The eldest son of the Fan family said anxiously, "Isn't it just three percent interest? My Fan family will pay, no! My Fan family will pay him double the interest. "
Shopkeeper Fan scolded, "Idiot, that's just an excuse. Now that my Fan family is on the decline, no one will dare to lend us the money no matter how much interest you promise."
The eldest son of the Fan family was stunned. His face turned red and he was speechless.
"Then what should we do now?" The eldest son of the Fan family was at a loss.
Shopkeeper Fan sighed and said, "I'm afraid the only thing we can do now is to sell the Fan family's property and raise some money temporarily."
Although he wanted to sell the Fan family's property, he knew that it was impossible to sell such a big property in a short time. Besides, everyone knew that the Fan family was in urgent need of money, so they would try their best to lower the price.
"Brother Fan, you don't have to do this. The Fan family's property is the foundation of the Fan family. If you sell it, the Fan family's hundred years of operation will be ruined!" Suddenly, Shopkeeper Yao's figure appeared at the door of the Fan mansion along with a warm voice.
"Shopkeeper Yao!" The eldest son of the Fan family was immediately on guard. He knew that this man was the notorious shopkeeper of the money house, who made a living by printing money.
"Why wouldn't you welcome me?" Shopkeeper Yao said with a smile that was not a smile.
"My Fan family will absolutely not borrow money from the printing money." The eldest son of the Fan family said sternly. After the popularization of the Mo Magazine and the popularity of the one copper coin game, almost everyone knew the dangers of printing money. Naturally, they avoided it like the plague.
Shopkeeper Yao's face stiffened when he saw this. He couldn't help but secretly curse Mo Jiazi for ruining things. However, he said warmly, "This time, the Qian family has come with sincerity. The interest rate is extremely low."
Shopkeeper Fan's heart moved. He stopped his impulsive son and cupped his hands. "Brother Yao, please speak clearly."
"For printing money, a monthly interest rate of one copper coin is enough." Shopkeeper Yao revealed an interest rate. This interest rate was much lower than before.
"That's not high? When Mo Jiazi wanted to borrow money, the highest interest rate he could get was one copper coin a year." The eldest son of the Fan family couldn't help but say.
Shopkeeper Yao coldly snorted. "Do you think you're Mo Jiazi? A monthly interest rate of one copper coin is already the lowest interest rate in the history of the Qian family. Shopkeeper Fan shouldn't be unaware of this!"
Shopkeeper Fan nodded. A monthly interest rate of one copper coin was indeed the lowest interest rate on the market. However, even so, he couldn't afford it!
"A monthly interest rate of one copper coin is also too high. If Shopkeeper Yao is sincere, we can imitate Mo Jiazi and use annual interest rates." Shopkeeper Fan gritted his teeth and said.
Shopkeeper Yao couldn't help but sigh. He knew that the worst thing had happened. Everyone had begun to imitate the Mo Family Village and refused printing money. They were prepared to use annual interest rates.
"Impossible? The Qian family has never accepted annual interest rates. Not for Mo Jiazi, and not for the Fan family. "Shopkeeper Yao flatly refused.
Printing money was the foundation of the Qian family. If they lost the interest rate, the Qian family would only exist in name.
"Shopkeeper Yao, please go back!"
Shopkeeper Fan shook his head and refused. He naturally knew the dangers of printing money. How could he dare to borrow such a high amount of printing money?
Shopkeeper Yao coldly snorted. "Today, I came here personally. When Shopkeeper Fan is at the end of his rope, I'm afraid the price will not be this high."
Shopkeeper Yao finished speaking and walked away. Since he had missed out on Mo Jiazi's printing money interest, he naturally had to find another fat sheep to make up for his loss. And the Fan family was his prey. Not only that, but the Qian family was also behind the Fan family's crisis and difficulty in borrowing money.
In his opinion, the Fan family was already a fish on the chopping board. It was only a matter of time before they were slaughtered by the Qian family.
As soon as Shopkeeper Yao left, the entire Fan family fell into a deathly silence. Their refusal was very straightforward, but they knew that unless they gave up their family business, they had no other choice.
They didn't have Xu Jie's courage, nor did they have Mo Jiazi's wisdom. They could only fall into the Qian family's trap step by step.
"Brother Fan, long time no see!"
Suddenly, a familiar yet unfamiliar voice rang out. In such a short period of time, someone had come to the deserted Fan manor twice.
"You are?" The eldest son of the Fan family found this person familiar, as if he had seen him somewhere before, but he couldn't remember where.
"So it's Shopkeeper Xu. Have you come to laugh at me?" Shopkeeper Fan's expression changed when he saw this person.
The eldest son of the Fan family suddenly realized that this person was Xu Jie. Back in the day, he and the Fan Trading Company were competitors. However, ever since Xu's Trading Company went bankrupt, he had only heard that Xu Jie had been recruited by Mo Jiazi. They hadn't seen each other since.
Xu Jie didn't care. "Brother Fan, you're gauging the heart of a gentleman with the yardstick of a villain. I heard that the Fan family was in trouble, so I came to see if there was anything I could help with. I didn't expect Brother Fang to think so highly of me."
"Help? Do you think the Old Man will believe you? It's true that the Old Man and you were rivals back in the day. When Xu's Trading Company was in trouble, although the Old Man didn't help you, he didn't hit you when you were down either. "Shopkeeper Fan said angrily.
Xu Jie shook his head. "The competition between you and me was a gentleman's competition. The decline of Xu's Trading Company was naturally not your fault. I'm here today because I don't want the Fan family to follow in the footsteps of Xu's Trading Company."
Shopkeeper Fan said sadly, "It's too late. If you want to save the Fan family, you'll need at least 5,000 strings of cash. I know you're doing well with Mo Jiazi, but how can you take out so much money?"
Xu Jie laughed. "Xu naturally doesn't have that much money, but in Chang 'an, there's a place that's known to be rich. Not to mention 5,000 strings of cash, even 50,000 strings of cash is nothing."
"The Bank of Village Mo!" The father and son of the Fan family suddenly had an idea. Now the richest place in Chang 'an was probably the Bank of Village Mo. It had 500,000 strings of cash, plus banknotes that could issue millions of strings of cash. Perhaps even the national treasury didn't dare to say that it had so much cash. It could be said that it was as rich as a country.
"Merton is neither a relative nor a friend. How can he lend me the money?" Shopkeeper Fan didn't believe it.
Xu Jie shook his head and said, "Of course not. The Mo family has to pay the people 3% interest to raise the money. Do you want to take it away with nothing?"
The father and son of the Fan family's eyes suddenly dimmed. They knew that there was no such thing as a free lunch in the world. Xu Jie's meaning was obvious. The Bank of Village Mo also had to collect interest.
"I didn't expect that the dignified Mo Jiazi would imitate the notorious Zi Qian family to give out money. The Fan family would rather go bankrupt than lend him money." The eldest son of the Fan family gnashed his teeth. All the young people in Chang 'an regarded Mo Jiazi as their idol. Hearing that his idol was giving out money, the eldest son of the Fan family couldn't help but feel disappointed and angry.
"Are you not going to hear how much the interest is? Are you going to refuse it?" Xu Jie laughed and pretended to walk away.
"I'm all ears!" Shopkeeper Fan's heart skipped a beat. Since the Mo family was also going to give out money, it was a good opportunity to compete with the Zi Qian family. Maybe he could take the opportunity to reduce the interest. This might be the turning point of the Fan family's business.
"6% interest a year!" Xu Jie gestured a number to Shopkeeper Fan.
"What?" The father and son of the Fan family couldn't believe their ears and eyes.
"6% interest a year, 7% interest two years, 1% interest five years. Didn't this humble one's boss publicly announce it before? "Xu Jie said with a laugh.
"That was Merton's offer to the Zi Qian family, and we …" Shopkeeper Fan couldn't believe it. This was the interest rate that all merchants dreamed of. Mo Jiazi, with his power and influence, had refused to lend money to the Zi Qian family. Who would have thought that one day, he would encounter such a good thing?
"Since Merton offered this interest to the Zi Qian family, it means that Merton thinks this interest is the most appropriate. No matter who borrows money from the Zi Qian family, this interest should be paid, even if the Mo family is the one who gives out the money," Xu Jie said solemnly.
"Merton is so righteous!" Shopkeeper Fan was so excited that he couldn't control himself. Compared to the Zi Qian family's money, 6% interest a year was simply a blessing.
"Of course, if you want to borrow money, there's another condition," Xu Jie said.
"Mortgage!" Shopkeeper Fan said tactfully. When Mo Jiazi offered such a low interest rate, it was with the Qianchou Winery and the Secret Glass Technique as collateral. Shopkeeper Fan was no exception.
Xu Jie nodded and said, "That's right. If you want to borrow money, you must have an equivalent amount of real estate as collateral."
Shopkeeper Fan nodded without hesitation and said, "That's right. I want to mortgage the Fan Mansion and the Fan Trading Company. This should be enough, right?"
The Fan Trading Company had many properties in Chang 'an City, most of which were of high quality. The Fan Mansion, in particular, was a famous mansion in Chang' an City and was worth a lot of money.
"If the Fan Mansion is also mortgaged, where will we live?" The eldest son of the Fan family was shocked. This was the ancestral home of the Fan family! The family business built over several lifetimes.
"Although it's mortgaged, you can still live in it. As long as you repay on time, no one can take your house away from you. But let's put it bluntly. If you don't repay, these mortgaged properties will be auctioned off by the Mo family to repay your principal and interest, "Xu Jie said.
"Of course. But the amount I want to borrow is not 5,000 strings of cash, but 8,000 strings of cash!" Shopkeeper Fan gritted his teeth and said.
Such a low interest rate was rare for Shopkeeper Fan. Naturally, he had to seize the opportunity and fight.
Xu Jie shook his head and said, "Shopkeeper Fan, it's not up to Xu to decide how much you can borrow. You have to take the house deed to the Mo family's bank in person and let Shopkeeper Shen verify it."
"Of course!" Shopkeeper Fan nodded solemnly.
"Then Xu will take his leave." Xu Jie saw that the task had been completed, so he stood up and said goodbye.
Shopkeeper Fan hurriedly saw him off personally, all the way to the entrance. He solemnly bowed to Xu Jie and said, "Brother Xu, please tell Marquis Mo that the Fan family will forever remember Marquis Mo's great kindness."
Xu Jie smiled and said, "Shopkeeper Fan, you are too polite. This is just a business. We each take what we need. There is no kindness involved."
"I understand!" Shopkeeper Fan said respectfully. Of course, no one knew what he was thinking in his heart.
The next day, when Shopkeeper Fan walked into the bank of the Mo family's village with a thick stack of house deeds, the whole Chang 'an City was shocked again.
The news that Mo Jiazi had placed the stamp money exploded in Chang 'an City like thunder.
"Mo Jiazi had placed the stamp money!" The ordinary people could not help but be stunned. Placing the stamp money had a bad reputation. Who would have thought that Mo Jiazi, who had a good reputation, would choose such a notorious business?
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