"Yin, I'll find a way to do this, so don't worry."

"Why aren't you in a hurry? The yamen has posted a notice that you will not pay the taxes and pay the deed taxes without changing the deed. Not only will you check the new deeds and land next year, but the most important thing is that you can't take the scientific exam this year. You brothers, plus your cousins, will all end this year, how can this be delayed?"

"In addition, you have to go to Hangzhou to take the exam. After you pass the exam, you have to go to Beijing to take the exam. All these have to be spent on money. I have to prepare early. Don't worry, we women are all a little dowry, so it's nothing to take it out and sell the pawnshop. It's fine. Wait until you are tall and you'll buy it."

Huang's mother knew very well that for the Huang family, the imperial examinations of several brothers in the family were the top priority. The imperial court bound the tax payment and the imperial examination qualifications together, and the Huang family had to pay the tax no matter what.

Huang Zongxi's father once served as an official in the capital, but that was a thing of the past. If the Huang family wants to prosper again now, the only way to enter the imperial examination.

Huang Zongxi was very sad because he wanted his mother and wife to sell their jewelry and dowry.

"Mom, I'll just find friends to make a move."

"You, which family is not allowed to pay the deed tax or pay the owed grain now? How can we borrow money from the remaining money at this time? We have to sort out these things as soon as possible and use them to pawn them." Huang's mother said.

As he was talking, the housekeeper trotted in.

"Uncle, madam, there is an official sentencing outside."

What came was not the official, but the banker.

Not long ago, Sihai Bank was split into Royal Bank and Imperial Bank, Royal Bank is a commercial bank, while Imperial Bank is the central bank.

Imperial Bank is responsible for issuing currency, printing money and minting coins. It also acts as a proxy for state finance, and also concentrates the reserves of commercial banks and acts as the ultimate lender. It is also responsible for formulating and implementing monetary policies, supervising and managing financial institutions such as banks, money shops, pawn shops, etc.

Imperial Bank is a regulatory body that does not directly operate commercial deposit and loan business.

Unlike Royal Bank, Royal Bank separated those official functions and became a simple commercial bank.

Now, the Imperial Bank belongs to the imperial court, while the Royal Bank is still owned by the emperor.

Today, the people from the Shaoxing Branch of the Royal Bank of China Zhejiang Branch came to visit the Huang family and were willing to provide a loan to the Huang family.

"Using the credit of the Huang family, the Huang family can borrow 10,000 silver dollars."

Huang Zongxi was a little surprised, but he was not polite. When the Huang family needed money.

But he was worried about the interest rate.

"How much interest?"

The manager who led the team smiled, "We provide the lowest interest rate, a loan of 10,000 yuan. If the repayment is 7% within half a year, 8% within half a year, 9% within one year, 10% within three years, 10% in three to five years, and 11% for more than five years."

Huang Zongxi felt relieved. The interest rate was indeed not high. Compared to the interest rate that was one and a half cents outside, it was very cost-effective.

"Do you need a mortgage?"

"What I just said is a mortgage loan, which requires mortgage with a contract of houses or land. If it is an unsecured credit loan, the interest rate will be a little higher, but don't worry, it will not be much higher. Within half a year to more than five years, it is 9%, 10%, 11%, 12%, and 13%, respectively."

Huang Zongxi calculated in his mind that if it was a mortgage loan, it would be a loan of 10,000 yuan per year, and the interest would be 800 yuan. If it was a credit loan for a year, the interest would be 1,000 yuan. It would be 200 yuan more silver dollars.

He estimated that a loan of 10,000 yuan would take at least two to three years to pay off, so that it would not affect the life of the Huang family. The mortgage for three years was 900 yuan, and the credit was 1,000 yuan.

"I want to mortgage 10,000 yuan and pay it back for three years."

"Yes, house mortgage or land property, I recommend land property. Calculated based on the current value of the mortgaged property, if the land property is mortgaged, then according to your land price, you only need to mortgage 140 acres."

Huang Zongxi thought about it and there was no problem.

"Yes, let's mortgage one hundred and forty acres of land."

The manager smiled and said, "You can complete the procedures today, and you can get 10,000 silver dollars in three days. In addition, after the land contract is mortgaged to us, the land is still cultivated by you, and the harvest is also yours. We will only recover the mortgaged property when the loan is not repaid at the due date."

"No problem." Huang Zongxi nodded with satisfaction.

This result was better than he expected. There was no need to pawn the dowry and jewelry of his mother and wife, no need to ask others to borrow money, and no need to sell ancestral property. Bank interest came to him, and the interest was so fair.

Although he would pay interest of 1,100 yuan for the loan for three years.

However, as the president of Fushe, he still has a salary of 1,000 yuan a year, and 3,000 yuan in three years. It's pretty good. (To be continued.)
Chapter completed!