Xu Fenglei patted his shoulder.
"It will be fine."
He comforted,
"The Tang Dynasty is developing so fast and changing with each passing day."
"The population of Chang'an City has exceeded one million. There are too many people but few houses. Rich merchants from other places come with their wealth, which naturally pushes up the housing prices. There is no way around it. The one with the highest price will get it. !”
This is a market law.
Supply exceeds demand, and prices naturally rise.
"I don't know how to get better."
The scholar surnamed Liu smiled bitterly and said,
"I can only watch the house prices in Chang'an go up."
"I can't catch up, I can't catch up at all."
"I can only envy those locals in Chang'an. They don't need to do anything. They just need to rent out a few rooms in their houses, and they can live without worries for the rest of their lives."
"well……"
The white-shirted scribe on the side said:
"If it doesn't work out, just live outside the city! Although the journey is a bit far, at least it's affordable."
"I just have to go to the Yamen early every day."
The scribe on the side immediately retorted:
"In this way, you can get a wife?"
"..."
The other people all frowned.
A group of outstanding young people are worried that their eyebrows are about to fall off as they struggle to find a place to live.
"Your Majesty, delicious food is here!"
"There are eight dishes in total! Four meat and four vegetarian dishes, and two stir-fry dishes are being prepared. They will be here soon!"
The waiter enthusiastically placed six dishes on the table, and in an instant, the aroma filled the air.
But after all, eating depends on your mood.
At this moment, except for Xu Fenglei, the others seemed to be in no mood to eat.
"Eat first."
Xu Fenglei moved his chopsticks and said,
"The affairs of young people are important matters of the country. The high officials in the court, and even the emperor, need to listen to them and even help you solve them."
"House prices in Chang'an have been rising for ten years. If you want to bring prices down, there are only two things to do."
“One controls the population, and the other expands the housing supply.”
"Come on, come on, let's eat! I spent so much money!"
Under his urging, several people finally picked up chopsticks.
The joy of food can make foodies temporarily forget their worries and put all their emotions into eating and drinking.
After eating a few chopsticks of delicious food, everyone's brows relaxed a bit.
"This is delicious, try it."
"This is really good. Chang'an delicacies taste great. Compared with these, what kind of life are we living at home? All we eat is pig food!"
"It's all thanks to this dear friend... By the way, you still don't know your last name?"
Xu Fenglei smiled slightly.
"My surname is Xu."
he said.
"It turns out to be Brother Xu, disrespectful!"
The scholar surnamed Liu cupped his hands and said with a smile,
"You have the same surname as the Grand Master of the dynasty!"
Xu Fenglei nodded without comment.
"Grand Master? Xu Fenglei? He is amazing!"
"I heard that he is as young as us! More than ten years ago, the current emperor was able to become emperor because of his contribution!"
"That's right, if he is as awesome as him, why should we worry about not being able to buy a house?"
"Haha, you are talking nonsense again. That Fenglei Bank is owned by someone else. I heard that he can earn tens of millions of taels of silver a year! If he wants to buy it, he may be able to buy half of Chang'an City! Look at him, and then Look at us... comparing ourselves to each other makes people mad!"
puff.
Xu Fenglei almost spit out a mouthful of grape wine when he heard them bragging about him.
Earn tens of millions of taels a year? Buy half of Chang'an City?
Why didn't he know he was so awesome?
"Brother Xu, what's wrong with you?"
The scholar surnamed Liu said doubtfully.
"it's okay no problem."
Xu Fenglei stood up, drank all the grape wine in the cup, and said,
"I remembered that I have something else to do, so I'll excuse you."
"You continue to eat and drink. I've already paid for it. It won't be a problem to add more food."
"Farewell, farewell."
When he talked about the bank, he remembered that he had other business to attend to and could no longer continue fishing.
"Hey...Brother Xu, walk slowly!"
Several scribes looked at his retreating back and waved goodbye when they saw that they could not call him.
"This Brother Xu is a bit strange..."
"Those who can directly take out gold ingots are either high-ranking officials or wealthy businessmen. But looking at him, he doesn't have the popularity of a high-ranking person, nor does he have the smell of copper of a wealthy man. Instead, he looks like a hermit..."
"If you have a chance, ask around to see if there is such a person in Chang'an."
"..."
After a while.
Xu Fenglei had already appeared in the courtyard of Fenglei Bank.
"Master, please have some tea."
Li Qingquan was very happy about the arrival of his master. He walked briskly and made tea for Xu Fenglei with his own hands.
"Um."
Xu Fenglei took a sip, raised his hand and said,
"Qingquan, sit down."
Li Qingquan nodded and took out a thick account book from his arms.
This is the general ledger of Fenglei Bank, the most core confidential document!
"Master, this is the general ledger for the past year. You..."
She was about to report when she saw Xu Fenglei wave his hand.
"Let's not talk about it for now. When I came here today, I learned a lot."
"Are the housing prices in Chang'an City now so expensive that even the officials of the imperial court cannot afford them?"
Li Qingquan was stunned.
"You said housing prices... that's right."
She closed the ledger and responded with a smile,
"It's generally more than 800 taels. For example, the most remote corner in the south of the city has this price, and it's still a dilapidated courtyard."
"In a good prime location, it's normal to get eight thousand taels or more than ten thousand taels. Don't have too many wealthy households in Chang'an. Many businessmen from other places flock to Chang'an. That's called a wealthy person."
"Speaking of which, you did the right thing when you asked me to use the bank's money to invest in real estate!"
"In recent years, the return on investment in real estate has been too high! If you invest 10,000 taels, you will earn 5,000 taels in the next year, and it is easy to sell! It is like picking up money!"
Xu Fenglei: "..."
Buy low, sell high, house prices in Chang'an continue to rise, and banks are also one of the main drivers.
"Then how much money did you invest in real estate?"
he asked.
Li Qingquan thought for a moment.
"This...is about 20 million, right?"
She touched her smooth chin and said,
"Maybe more, I didn't calculate it carefully."
"Because the deposit investment structure of the bank in the early stage was very simple, basically there were no other projects to invest in except real estate."
"When investing in real estate, you basically just need to invest with your eyes closed, and you'll make a sure profit."
"Even now, if you invest with your eyes closed, you can still make a sure profit! Several actuaries in the bank have calculated that after this year, house prices in Chang'an will increase by another 30%!"
Xu Fenglei's eyes widened.
"Seize the young master?"
He said in shock,
"Twenty million taels of silver?"
"So much?! You really want to buy the entire 108th Street of Chang'an!"
Li Qingquan looked like it was natural.
"It's more or less the same. Our layout is early, and there are a large number of real estate hoards in major cities."
She said,
"Many of the properties in prime locations are semi-not for sale. Unless the price is extremely high, I will not sell them."
"It's a good thing that has steadily appreciated in value. Why sell it?"
Xu Fenglei: "@#￥%...&*@#"
have to.
It seems that my own bank is the culprit behind the high price of houses in Chang'an!
"Qingquan, sometimes you can't just think about making money, you also have to think about the people."
Xu Fenglei sighed lightly,
“By raising housing prices like this, ordinary people will have no place to stand.”
"This was not my intention."
Li Qingquan curled his lips.
"Master, if we don't speculate, those giant businessmen in Chang'an will also stock up and speculate."
She said,
"Maybe they'll be even more aggressive! Because they have no bottom line than we do!"
"It is precisely because we have a large amount of real estate hoarded in our hands that they dare not join forces to push up housing prices."
"So, this is the best situation now."
Xu Fenglei was speechless.
yes.
If you don’t speculate, others will!
Datang's economy is becoming more and more prosperous day by day. The rise in housing prices in Chang'an is an objective law and cannot be changed by human will.
"I want to bring down the housing prices in Chang'an."
He whispered,
"At the very least, we have to give everyone something to look forward to."
"Many young talents cannot raise their heads because they can't afford a house, and they can't even get a wife! I don't want to see them worrying about it."
"The original intention of building a bank is not to make money wantonly, but to promote the development and progress of society while making money. This is my consistent philosophy."
In later generations, a businessman named Ma said that he was not interested in money.
That's a bit disingenuous.
But Xu Fenglei, he is really not interested in money.
Given his status, he already has no shortage of this stuff. If he doesn't take it with him when he is alive, why should he store so much?
He's not a miser.
The purpose of making money is to gather wealth and then do whatever you want. Do what you think is right without any constraints!
"Master, what do you want me to do?"
Li Qingquan's eyes were bright.
She knew that since the master said this, he must already have his own plan in mind.
"I have a plan to expand Chang'an City."
Xu Fenglei said in a deep voice,
"According to the original plan, Chang'an's population limit was one million, but now it's almost overflowing!"
"This is also the fundamental reason why housing prices remain high! Many people have no house to live in, and they are struggling to buy one even if they are broke and bankrupt!"
"As time goes by and the population increases, Chang'an's population will definitely become more and more dense, and it will become more and more dense! In a few decades, it is possible to reach two million or even three million!"
“With so many people, where can they live?”
"It must be expanded to accommodate it! Only expansion can balance the supply and demand relationship."
"Get a pen and paper."
Li Qingquan quickly ordered someone to get pen and paper.
Swish, swish, swish.
Xu Fenglei said while drawing pictures:
"With Taiji Palace as the core, this is the current Chang'an City. I call it the inner city."
"Beyond the inner city, we plan another large piece of land to serve as the outer city of Chang'an!"
"The area is twice that of the inner city! In this way, Chang'an can accommodate a population of three million. The construction of a large number of houses will also reduce the housing prices in the inner city. Compared with the inner city, the outer city Housing prices in the city are definitely much cheaper, after all, they are even further out of the center than south of the city."
"But living in the outer city is at least better than going to the suburbs. In addition, the outer city can also serve as a protection for the inner city. It is a thick barrier. It also gives the emperor in the Tai Chi Palace a greater sense of security. "
Li Qingquan looked at Xu Fenglei's blueprint and couldn't help but frown slightly.
"Master, your plan will probably cost tens of millions."
She couldn't help but said,
"It's so grand!"
"Moreover, this must be discussed by the imperial court and approved by my father."
"It's not a trivial matter!"
To build the outer city, we also need to build houses. This is definitely a huge project. It may not be completed in less than ten years!
The key is that the emperor must be happy.
"You can discuss this plan with your father."
Xu Fenglei smiled and said,
"Show him the facts and reason, and I think he will consider it."
Li Qingquan was slightly startled.
"Master, if you tell my father in person, I think he will seriously consider it."
She couldn't help but persuade and said,
"You won't come back this time, don't you want to deal with my father?"
"What happened to Hou Junji was indeed my father's fault, but Hou Junji also said that he wanted to die on the battlefield and wanted to return wrapped in horse leather. My father also sympathized with him as a veteran, so he let him go. of."
"Maybe he will die on the Tuyuhun battlefield now, so don't worry about him."
Xu Fenglei shook his head.
"This is not just about Hou Junji."
He said lightly,
"Besides, I don't think Hou Jun will die."
"He will definitely come back with great achievements...but, actually, I'm not that obsessed with it anymore."
"I'm a little tired of the court. It would be nice to live in seclusion in the mountains for a few years. When I get tired of living in seclusion again, maybe I will really return."
Li Qingquan's expression darkened.
"Master, are you leaving this time?"
She murmured,
"We're okay... but Cheng Qian can't live without your urging!"
"While you were away for a while, he caused all these troubles and had several quarrels with my father. If you are absent for a long time, then I am really worried..."
Xu Fenglei snorted lightly.
"Even an old hen can't always protect its chicks."
He said,
"He has to walk the road to inherit Qian's life by himself."
"Whatever happens to him is his own business."
"I don't want to be Guan Zhong, nor do I want to be Zhuge Liang. I just want to retire after my success and come back occasionally."
Li Qingquan pursed his lips.
"Okay, let's not talk about him anymore. I believe Cheng Qian can take his own path."
Xu Fenglei waved his hand and said,
"You pay the bill."
"There are rumors outside that Fenglei Bank can earn 20 million taels of silver a year. It's getting more and more ridiculous! Does this damn girl really think we are a gold mine? We can't even open a gold mine so fast!"
Li Qingquan nodded when he heard this.
"There are almost that many. It was close in the past two years, but it is definitely possible this year. The momentum of branching out in various places is very strong."
She responded truthfully.
Xu Fenglei: "?!"
"ah?"
"real or fake?"
He looked shocked!
Can you really earn 20 million taels of silver a year?
I'm afraid the annual revenue of the national treasury is less than half, right? !
"Of course it's true. Why did you lie to Master?"
Li Qingquan smiled and said,
"Except for Liu Fubo's sailing investment, all our investments have been profitable! And the compound interest is accumulating every year!"
