After capturing this transparent glass mirror for 40,000 taels of silver, Chang Yanling felt a little regretful again. After all, the two items sold just now cost 23,000 taels of silver. If he took out another 40,000 taels of silver, he probably wouldn't have that much cash in the family. He turned to ask the butler: "Chang Fu, how much cash in our family still has?"

"After Master, there are only more than 36,000 taels of cash left in our house." The housekeeper replied.

Chang Yanling's face turned green and green, and his expression seemed extremely awkward. He took the bidding, but the cash was not enough. If he found those stores at this time and asked them to give the dividends for the next year in advance, it would seem unlikely. If he went to withdraw shares, sell stores, and sell land, he would not only lose a lot, but also gain a bad reputation as a prodigal son.

What should I do? Could it be that I told Zhao Peng that I didn’t have enough money and wouldn’t buy it? That’s so embarrassing.

At this moment, the housekeeper said softly: "Master, can you get a loan from the Royal Bill of the Ming Dynasty? Why don't you ask Lao Zi to ask Uncle Zhongyong, the goods we bid for are not enough, can we get a loan?"

"I'm afraid it won't work? Others are doing business loans, and they are all merchants to borrow money. How could you hear that buying rare treasures is not enough to pay for money? Let's just ask Uncle Zhongyong casually. If it doesn't work, let's give up and sneak out of the back door." Chang Yanling said softly.

Chang Fu was about to go to the stage to find Zhao Peng, but Chang Yanling shouted: "Wait a moment, wait until the people in the hall are almost gone before going up. Now let me embarrass you to the master?"

So after the customers in the auction hall left one after another, Chang Fucai walked to the stage tremblingly, saluted respectfully to Zhao Peng, who was sitting on the stage, then leaned over and asked softly in his ear: "Uncle Zhongyong, our master may not have enough money. I wonder if the silver account can borrow money?"

Zhao Peng asked, "How much money is there?"

Chang Fu calculated by his fingers: "It's probably about 10,000 taels away."

Zhao Peng smiled slightly: "Of course you can get a loan! You have already paid 30,000 taels of silver, and we can definitely apply for a loan for you."

"Brother Zhongyong, didn't I hear that it was a businessman who did not have enough money to do business and then took out a loan?" Chang Fu asked.

"A different loan is commercial loan. Our Ming Dynasty encourages business, and the interest rate for commercial loans is very low. Those who are a little worse than those for buying things are called consumer loans. The interest rate is higher than that for commercial loans. For example, the maximum commercial loan is no more than one, while the interest rate for your consumer loans is one cent and five cents." Zhao Peng replied.

"One minute, I'll go back and discuss with the master." Chang Fu turned around and got off the stage.

"One cent and five? The interest rate is very low! Why don't you hurry up and apply for a loan from the bank?" said Chang Yanling.

Chang Fu walked back again and asked Zhao Peng about the loan. Zhao Peng replied: "The interest rate of 10,000 taels of silver is 5 cents, and the repayment is 12 months in installments, and 983 taels of silver is paid every month. This is for Huaiyuanhou's sake, so we have no use of the delisting interest. If ordinary people apply for consumer loans to buy luxury goods, they are delisting interest, that is, we will deduct 1,800 taels of interest in advance. The actual amount is only 8,22. Since it is Huaiyuanhou, we will give it to you at 10,000 taels. But after applying for the loan, the treasures you have taken must be mortgaged to us."

"Mortgage to you? That's not that we can't get this treasure within a year? It's better to leave it to you and buy it when we have the money." Chang Yanling also came up at some point. He heard that the treasure was to be mortgaged to the silver account, and he was a little anxious.

Zhao Peng smiled and said, "The mortgage is given to us, and the items do not need to be placed in our bank account. As long as you sign a contract with us for the ownership of the item, you can take the items home, but the ownership of the item belongs to our bank account for the time being. If you pay it back within a one-year period, we will destroy the mortgage contract. If there is a phenomenon of repaying the loan for three consecutive months, we have the right to take out the contract to ask you to take back the treasure."

When Chang Yanling heard this, he felt relieved. How could their Huaiyuan Hou Mansion not even be able to pay off the loan of less than 1,000 taels per month? So he said, "Since that's the case, then let's go to the silver account to sign the contract?"

Zhao Peng smiled and said, "Huaiyuan Hou, there is no need to go to the silver account, you can sign the contract here. There will be people from the silver account at the auction. Eunuch Han and I, Zhao, are also from the silver account, and have the right to apply for a loan for you."

After a while, a little girl who looked like a palace maid walked over with a stack of documents. She put the contract book on the table, and then Zhao Peng pointed to the contract book and said to Chang Yanling: "Huaiyuanhou, this is a contract book, please check it out first."

Chang Yanling himself knew nothing about contract letters and other things, so he asked the housekeeper Chang Fu to read it.

Chang Fu picked up the contract, read it for a while, and nodded while watching: "It's really meticulous. It's fair to both parties and there are no loopholes."

"Since that's the case, Huaiyuanhou, you can sign and write on it, right?" Zhao Peng said with a smile.

"Okay, I'll sign and write it right away." Chang Yanling agreed readily.

Seeing Chang Yanling signing and sealing the contract, Zhao Peng was secretly happy: A worthless glass mirror received 30,000 taels of cash silver and 10,000 taels of IOU. In a year, you can still earn 1,800 taels of interest. Even if Chang Yanling can't afford it by the end of next year, we won't lose money. We can still take it back and auction it. Anyway, such large glass mirrors and glass screens cannot be produced in large quantities within a few years.

Scarcity is precious. Even if there is technology to produce glass now, Zhao Peng will not produce these large pieces of glass in large quantities. For a long time in the future, he will only produce small pieces of glass mirrors, telescope lenses, chemical experimental vessels and other glass products. Therefore, this large piece of glass product will not depreciate for at least a few years.

Whether it is telescope lenses or chemical experimental instruments, they are all for military service.

Telescope lenses can be used to make telescopes. During marches and wars, telescopes can make their troops transparent to the enemy. Chemical experimental vessels are used to produce chemicals such as sulfuric acid and nitric acid.

Sulfuric acid is the mother of chemical industry, but the industry has not yet reached the point where it can produce sulfuric acid in industrialization, so it can only be used to produce sulfuric acid in small batches by laboratory methods.

Industrial production of sulfuric acid requires a catalyst called platinum, that is, platinum. This kind of thing can be obtained in gold mines, but it is very rare and it is very difficult to obtain. Therefore, Zhao Peng temporarily gave up the idea of ​​industrial production of sulfuric acid.

To adopt the laboratory method of producing sulfur, a large number of glass test vessels are required. Judging from the current production of glass factories, even the ware that provides laboratory methods to produce sulfuric acid and nitric acid is not enough, so how can it be used to produce luxury goods in large quantities?

With sulfuric acid, nitric acid can be made from sulfuric acid. After sulfuric acid and nitric acid are used, it means that it can create more powerful killing weapons such as smokeless fire medicine and strong explosives, which can play a huge role in the battlefield in the future. Although the amount of laboratory methods is extremely low, it is still enough to give a small number of elite troops at critical moments.

Moreover, glass has another purpose, which is to produce stringed fire hats for safety matches and grenades. The principle of matches is that the frictional layer of paper not only contains red phosphorus, but also glass powder, which increases the friction of the match fire hats.

The new grenade will adopt the method of fire-cap-type fire-pulling. With the same fuse-tuning type, soldiers do not need to carry fuses on their bodies, so they are not easily discovered by the enemy during ambush battles. Compared with the method of flintlock ignition, the fire-cap-type fire-pulling is much simpler than flintlock ignition and has higher reliability.

Chang Yanling had signed the letter, and took out the seal from Huaiyuan Hou Mansion and stamped the seal on the contract. The contract was in triplicate, Chang Yanling kept one by himself, Han Zanzhou kept one by himself, and Zhao Peng kept one by him.

In addition to the contract, Chang Yanling also signed a certificate of ownership mortgage and an IOU. There is only one copy of these two things, which is to be kept by the Royal Bank of the Ming Dynasty.

Everything was signed, and Chang Yanling was so satisfied that he brought the transparent glass screen and the transparent glass silver mirror into the car and took it back to Chang Mansion.

Halfway through the way back, Princess Kunxing asked angrily: "You Zhao Peng, you dare to lie to me and my brother, saying that those two mirrors are unique! Humph! The ones sold today are bigger than those of us brother and sister combined!"
Chapter completed!