"Counting room!"
Wang Fugui looked at Gu Zhengchen, who had a calm face, and the flesh on his cheeks trembled slightly.
Accountant Wang Quan walked out quickly, took the package and opened it, and a pile of copper coins pierced his pupils.
Exclaimed.
When old man Yan Sanjing saw so many copper coins, he opened his mouth in shock.
Aunt Wang, Uncle Zhang, Uncle Yan, Aunt Zhou and others from Dayan Village also stared wide-eyed. They couldn't believe that Gu Zhengchen really took out money, or nearly five thousand dollars!
Zhao Yaer rubbed her eyes, looking confused and confused.
The Gu family had no savings at all, and the Zhao family had already found out that no one was lending money to either the Gu family or Gu Zhengchen. This was also known to the Zhao family.
But now, Gu Zhengchen actually took out the money, a full six dollars!
"really?"
Zhao Yaowen's eyes widened. The Gu family was in dilapidated condition. It was difficult to come up with even six coins, let alone six coins.
In the past, the people of Dayan Village had come up with the money of fifteen cents for one coin. The whole village could only afford this amount. How could Gu Zhengchen be able to give eight cents for four cents and eighty-five cents!
When Li Yi, the county magistrate, saw this scene, he laughed and said, "It is indeed so."
"County Lord?"
Master Yan Bin was a little surprised.
Li Yi explained: "When we were at Sanliting the day before yesterday, I felt that Gu Zhengchen was too calm, either accepting his fate or relying on something. Now it seems that he has borrowed the money a long time ago."
Yan Bin frowned: "But who will lend him money? Rich Master Sun kicked him out of the house, and the county magistrate also saw it with his own eyes."
“If you see it with your own eyes, does it have to be true?”
Li Yi suddenly realized a problem.
If Gu Zhengchen failed to borrow money from Mr. Sun and was desperate, he should turn to others. Gu Zhengchen seemed to have a good relationship with the Liang family and would at least make another trip. But he didn't go anywhere. Went straight back to Dayan Village.
Everyone was deceived by the scene of the eviction from Rich Master Sun's house, and deceived by Gu Zhengchen's miserable look standing at the door!
"Damn guy, even I was deceived by him!"
Li Yi gritted his teeth secretly. He was conceited and smart, but he didn't even see through the drama of lifting a person! But why would Mr. Sun cooperate with Gu Zhengchen in acting?
Wang Youcheng's face was pale and he was stunned on the spot, like a defeated rooster.
After the accounting was completed, although he was very reluctant, he still reported the truth to Wang Fugui: "Putting the two together, it's six dollars."
Mrs. Gu looked at Gu Qingqing with a relaxed look on her face.
Gu Qingqing grinned. He finally paid off the debt. His brother no longer needed to be a tenant in the Wang family, and he no longer needed to be sold to someone as a maid.
Gu Zhengchen was relieved. After days of hard work, planning and operation, he finally pulled the Gu family back from the edge of the abyss!
Without the worries of foreign debt, he could find a way to enter the Hongwu officialdom as soon as possible. Although Zhu Yuanzhang was thinking about the imperial chess game at this time and was preparing to set off a storm, entering the officialdom at this time would face overturning at any time, but the powerlessness outside the officialdom, the crisis at the bottom, and even more Painful!
Just because of an unexpected debt, my sister almost sold herself, her mother knelt down and begged, and she almost became a tenant in the Wang family and became their plaything!
This time the crisis is over, what about next time?
I am just a civil servant, not an official. There are countless pairs of feet that can crush the Gu family to death!
What's more, the Gu family has completely offended the Wang family and the Zhao family. These two big families have financial resources and connections. The Gu family doesn't want to be retaliated by them and will be crushed under their feet. The only way out is to enter an official career!
I, Gu Zhengchen, would rather ride the wind and waves and stand on the tide than stay where I am and let others bully me!
Wang Fugui stretched out his hand, grabbed a handful of copper coins, and sprinkled them into the package. He looked at Gu Zhengchen and said slowly: "Gu Juren, six coins seems not enough, right?"
Gu Zhengchen stared.
Mrs. Gu hurriedly walked out: "Mr. Wang, the debts we owed previously have been paid off with scalpers and farmland, but there are only six guan of money left to pay off. Now that we have collected six guan of money, why is it not enough?"
Wang Fugui sneered: "Mrs. Gu, don't you need to pay back interest when you borrow money? These six dollars are just capital, what about interest?"
Gu's face changed drastically and she quickly said: "When we borrowed the money, you didn't mention taking interest. Why did you bring it up now?"
Wang Fugui laughed and said, "It's a joke. Since ancient times, interest has been made on lending money and debts. The laws of our court stipulate that for all private lending of money, debts and property pawned, the monthly interest cannot exceed three points. Accountant, settle the accounts!"
Wang Quan, the accountant, took out his abacus and put the beads back into place with a few clicks: "The Gu family borrowed forty guan from the Wang family in late December last year. By late March, it was three months old. One profit per loan and three points per month." , the monthly interest should be one or two taels per month, and the total in March was three taels and six cents. At the end of March, the Gu family paid back thirty-four guan with cattle and fields, and the remaining nine guan and six taels were not repaid."
"The interest is calculated based on six taels of principal. It has been exactly one month since March, and the monthly interest is one hundred and eighty cents. Including the debt that has not been repaid before, the total is nine cents, seven cents and eighty cents. Now only six cents have been repaid. I still owe three guans, seven cents and eighty cents."
Gu slumped on the ground, in great pain: "How could this happen?"
Gu Qingqing cried. My brother finally got some money, which was enough to pay off six guans of money. Even if he took out two more guans of money, he couldn't fill the hole!
"The Wang family is so clever!"
When Li Yi, the county magistrate, saw this scene, he couldn't help but be secretly frightened.
Yan Bin lamented repeatedly: "Now Gu Juren will suffer a big loss."
Although the Wang family did everything right, they did not violate the law. When they calculated the profits, they did not add them to the capital.
Zhao Yaowen looked at the desperate Gu family, the crying Gu Qingqing, and the gloomy and uncertain Gu Zhengchen, and felt secretly happy. Although you have won the title of Juren, you are still a poor and down-to-earth candidate!
If the debt cannot be repaid, then you will have no choice but to join the Wang family as a tenant! No one can agree to anything that goes back on one's word!
Zhao Ya'er clenched her fists and was secretly happy: Just like that, Gu Zhengchen was beaten to death with a stick, and this hateful guy became a tenant. He would be hunched in the land for the rest of his life, and never thought of straightening up as a human being again!
Gu Zhengchen raised his head slightly and looked at the blue sky and white clouds.
Is it loan sharking?
The monthly profit is three cents, and the annual profit is 3,600 interest, which is expressed in the way of later generations, that is 36%.
This number is not low.
It seems that borrowing money in the Ming Dynasty is a trap. It is easy to fall into the pit. If you want to climb out of the pit, you can't even think about it without taking your body.
Three rounds of seven coins and eighty coins!
I still have two ounces of money in my hand, but it is not enough to completely pay off the debt.
Wang Youcheng saw clearly that the Gu family had reached a dead end. He stepped forward and looked at Gu Zhengchen, and said in a low voice: "Gu Zhengchen, didn't you say you wanted to play with me? So what happens? I'm not losing everything! I'll wait for you to move in as a tenant. In my house, I will make you crawl in front of me like a dog!”
Wang Fugui had someone pull Wang Youcheng away, and looked at Gu Zhengchen coldly: "Since we can't pay off our debts, then I'll beg your grievances. Come here, take out the tenancy deed!"
At this moment, a loud voice came into the small courtyard: "Tsk tsk, Mr. Wang is so majestic. For a few dollars to force the imperial court to appoint people, are you not afraid of causing trouble?"
