Having said that, Xu Zun is not easy to socialize with, but Wang Anshi is not so easy to invite. Now that he is in the prime of life, there are many people who want to treat him to dinner. In terms of personality, he is more stubborn than Xu Zun. If the other party is not Zhang Fei , he really may not agree.
Although he only met Zhang Fei once and didn't even exchange a word, he had to say that Zhang Fei left a very deep impression on him.
Sima Guang, who was especially angry, remained silent. Wang Anshi kept that scene in his mind, and when he went to the hut, he thought about making himself happy.
Suddenly I heard that Zhang Fei was going to give him advice, and I was really curious and looking forward to it.
When Wang Anshi and Xu Zun arrived at the Xu Mansion, Zhang Fei and Xu Zhiqian were already waiting for them.
After some salutes, Wang Anshi teased Zhang Fei: "I have seen a lot of people from Erbi, but you are so noisy. This is the first time I have seen you. I don't know how to restrain myself. No wonder the court wants to restrain you Erbi." people."
Fortunately, Sima Guang is not here. If he were here, he would have to criticize him. You are more troublesome than him. You have the nerve to criticize others.
Zhang Fei said: "What Great Scholar Wang said is wrong. It's not the common people who like to make trouble. It's just that some problems have overflowed to the point where they can be seen everywhere. Therefore, even if the common people don't come forward, someone will stand up. To say If there is anything wrong with the common people, it is because they are too humble and too weak."
The implication is that the common people are not at fault, the fault lies with the adults.
Xu Zhiqian looked sideways at Zhang Fei in shock.
Good guy! It's really a man who dares to criticize Sima Junshi. His opening his mouth is extraordinary!
Wang Anshi didn't expect that Zhang Fei would slap him back when he made a casual joke, but instead of being annoyed, he burst into laughter.
Xu Zun on the side smiled and said nothing.
Zhang Fei's words may seem rude, but they actually speak to Wang Anshi's heart.
Wang Anshi is the one who wants to stand up!
Because he also believes that these problems must be solved immediately, otherwise, the country will be in danger.
Just in time, the food is here.
When he saw the food, Zhang Fei felt extremely honored. It turned out that he was on the same level as Wang Anshi.
There are really two more home-cooked dishes than usual.
Zhang Fei finally understood why Wang Ye came here and had to prepare his own food and drinks.
Wang Anshi didn't care about this, and without even looking at it, he asked Zhang Fei: "I heard that you want to give me advice?"
"Yes."
Zhang Fei nodded.
Wang Anshi asked: "I wonder if you have any advice for me?"
Zhang Fei didn't answer and asked instead: "I wonder if Academician Wang knows the housing prices in Bianjing?"
House price? Wang Anshi was stunned for a moment, then smiled and said: "Do you still need to know the housing prices in Bianjing? Haven't you seen that Xu Shisi and I both rent houses?"
Zhang Fei asked again: "I wonder if Bachelor Wang wants to buy a house?"
Wang Anshi shook his head very simply and said: "I haven't thought about this issue."
With his layout, buying a house?
That's a waste of time.
Meaningless.
Mr. Dongpo is far inferior to Wang Anshi in this situation. Wang Anshi has really reached the realm of peace in the world. He has this thing in his heart and takes action for it. This is extremely important. Many people In her heart, she pretends to rule the world, but she feels like a resentful woman, feeling sorry for herself.
Zhang Fei pondered for a while and asked: "If the house price is very cheap, will Bachelor Wang buy a house?"
"Maybe." Wang Anshi said casually, and then asked very curiously: "Don't you want to give me some advice? Why do you ask?"
Zhang Fei replied: "This is because the strategies offered by the younger generation are closely related to the housing prices."
After Wang Anshi heard this, he suddenly lost interest.
Again, the pattern is too small.
As far as the economic structure of the Northern Song Dynasty is concerned, no matter how high or low the housing prices are, it will not affect the overall situation.
Even if you don’t come, come and listen.
Zhang Fei waited for a while and saw that Wang Anshi did not ask again. He knew that he must be very disappointed, but he was not discouraged, so he continued: "I heard that in the early days of the founding of the People's Republic of China, Pan Gong levied a house tax on the people to supplement the war against the Southern Han Dynasty. Military spending.”
Pan Gong was Pan Mei, a famous general in the early Song Dynasty. Xu Zhiqian told Zhang Fei about this news. After all, Zhang Fei was not a history major, so he generally did not know such details that had nothing to do with the law.
Wang Anshi nodded slightly.
Zhang Fei added: "It can be seen that this house tax is still very considerable. The deed tax levied by our government on land and houses is the same, which is 4 out of 100. However, the price of ordinary fields near Bianjing is about 5 guan. , the most expensive is only ten dollars.
But a very ordinary small house costs about 5,000 guan. In terms of deed tax alone, the two are completely different. "
Wang Anshi smiled and said, "Having said that, the amount of houses bought and sold is far less than that of land, and those big landowners buy thousands of acres of land. In comparison, the deed tax for the land is higher."
Zhang Fei said: "What Great Scholar Wang said is true, but if the imperial court can stimulate the sale of houses, the income tax revenue will also be very considerable!"
Wang Anshi asked: "The plan you want to propose today is this house tax?"
Zhang Fei nodded and said: "Exactly. This junior has a plan that can greatly stimulate housing transactions and increase considerable income for the court."
After saying that, he looked at Xu Zhiqian aside.
Xu Zhiqian immediately handed over the copy she had prepared long ago, "I'd also like to ask Uncle Wang to take a look at it."
Wang Anshi took it and joked to Xu Zhiqian: "Qian'er, you also have a share!"
Xu Zhiqian was stunned for a moment, not knowing whether to nod or shake her head.
She was worried about whether this would affect Xu Zun.
Zhang Fei knew her worries, so he said: "Because Xiaomin lacks writing skills, he can only ask Madam Xu to write for him."
Wang Anshi frowned when he heard this, "If your writing skills are lacking, then you should practice more. How can you always let others write for you? It's really shameful."
As a great writer, he still cares about these things.
In fact, even Xu Zhiqian's writing style cannot impress him. If you are worse than her, how can you do it?
Of course, this may also be because Wang Anshi has higher expectations for Zhang Fei.
Zhang Fei said sarcastically: "Why haven't you practiced? But...but I don't have enough talent, so I can't practice it."
"It's worthless!"
Wang Anshi looked at Zhang Fei with contempt. It was so simple. How could he not be able to practice it? He was just lazy...
However, despite his contempt, he still took it and looked at it carefully. After a while, he was surprised: "The annual interest rate is only seven percent? It can be repaid in ten years at most."
This simple sentence immediately overturned Wang Anshi's view on lending.
The annual interest rate is 7%, which is 7%. Today, the annual interest rate starts at double interest rate, and the monthly interest rate has reached 89%.
This is too different!
And it can be divided into ten years.
Horribly low!
Zhang Fei explained: "Although the interest is very low, due to the huge amount, the overall profit is still very considerable. Take the current ordinary house as an example. The total price of an ordinary house in Bianjing is about 6,000 guan. .
Based on one-third of the down payment, the borrowed money is 4,000 guan. With a ten-year repayment period, the total interest will reach 1,500 guan. "
Wang Anshi couldn't help but take a deep breath of air.
The interest is more than a thousand dollars.
This sounds like a lot!
"wrong!"
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, which is written below."
Fair calculation? Wang Anshi quickly looked at it, but after looking at it for a long time, he looked embarrassed.
Xu Zhiqian knew very well Wang Anshi's mentality at this time, because she had also experienced it, and winked at Zhang Fei.
Zhang Feiquan pretended not to see it and waited silently.
He remained silent, and it was difficult for Xu Zhiqian to interrupt. After all, Zhang Fei only told her the entire plan, but did not tell her how to deceive her.
Wang Anshi glanced at it several times and saw that Zhang Fei was not interested and coughed: "What's the point of 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 overall, the interest is much less than what Wang Anshi thought. One of the key reasons is that the principal decreases every month.
Because today's loans are based on total interest. For example, if you borrow 100 guan at an interest rate of 10%, the interest for one year will be 10 guan. Even if you repay it monthly, you will still have to repay this much.
But Zhang Fei's calculation formula is to repay monthly, but he has to subtract the principal that has been paid back.
Zhang Fei then opened his mouth to explain to Wang Anshi.
"I see!"
Wang Anshi nodded and added: "This is indeed much fairer than today's interest calculation."
With that said, he asked Zhang Fei in surprise: "Did you come up with this?"
Zhang Fei nodded and said, "Xiaomin's talents are all focused on this."
Wang Anshi was stunned for a moment, and then realized that this guy did it on purpose. He glared at him slightly: "You can see it!"
Xu Zhiqian pursed her lips and thought to herself, this person is really going to retaliate.
Why did Zhang Fei not take the initiative to explain just now? In fact, he just wanted to avenge his writing style.
My writing skills are not good, but your writing skills are at the same level as mine.
Xu Zun smiled and shook his head.
However, Wang Anshi didn't care. On the contrary, he appreciated it even more. He was indeed capable. Although the interest calculation was complex, it made sense and could not be faulted. The formula was extremely cleverly designed and was worthy of reference by the imperial court.
Zhang Fei also stopped and said: "Although the total interest is high, because the term is very long, the burden on the borrower is not big. With this amount, you only need to pay back a little over forty-six yuan a month. For the purchase, I believe that the people who own this house can definitely afford the money and it will not have any impact on their lives."
This sincerity has nothing to do with the people. Li Si's life is worth ten thousand coins.
This is mainly for officials.
He also calculated the interest based on the official's salary, but since the welfare of officials in the Northern Song Dynasty was more than their salary, it was difficult to explain it clearly. In fact, there was no need to say it clearly, Wang Anshi knew better than him.
It is very easy for an official who can live in a house with 6,000 guan to pay 46 guan every month.
"After all, it's not much." Wang Anshi nodded slightly and suddenly said: "That being said, with such a low interest rate, such a long term, and such a large amount, who would dare to borrow this amount of money!"
Zhang Fei said: "This is the reason why the common people gave advice to the great scholar Wang. If the court can legislate to ensure that once the debtor cannot repay, the relevant house will be sold off to ensure the interests of the creditors, then naturally there will be no such concerns .”
After fully considering Xu Zhiqian's opinions, he finally chose to repay via auction instead of directly confiscating the house, although the former seemed to be more beneficial to Ma Tianhao and the others.
But don’t forget that there must be many officials who buy houses. If you do this, as long as there is a breach of contract, it will arouse the resentment and worry of the officials. Moreover, in this era, if you don’t use mobile phones to operate, repaying the money is also very cumbersome. Over time, this will Various problems arise.
Since the home-buying groups are all people with status and power, of course fairness must be the top priority.
Wang Anshi is not an ordinary scholar. Although arithmetic is not his strong point, he is also very quick in finance. Unless the capital is moved, otherwise, the housing prices in Bianjing will only rise, not fall. First of all, If you pay 30% and can't pay it back, then use the house to pay off the debt. The creditor will never lose money.
But there must be legal guarantees.
yes! If it can be ensured that the house will be recovered, then this transaction is really a sure profit, and the income is quite high. In this case... Wang Anshi thought for a while and suddenly said: "Why go to all the trouble? The court can just do it by itself, just like renting public housing."
"ah?"
Zhang Fei was stunned immediately.
A feeling of sending a sheep into the tiger's mouth arises spontaneously.
