Chapter 1070: Installments

Li An naturally would not count Carpenter Zhao's old mother, because this Carpenter Zhao is a filial son, in front of this filial son, naturally he can't say that his mother is not, and in turn praise Carpenter Zhao's younger brothers have potential, not only the old lady is happy, but Carpenter Zhao is also happy, and it is quite convincing.

Seeing this, Carpenter Zhao struck while the iron was hot and said: "Mother, the child has been the stupidest and most stupid one in the family since he was a child, you always say that the second brother is smarter than me, full of heart and eyes, and will have the ability to do more than me in the future, but now, they plant a few acres of thin fields, and they don't often take care of it, it's not that they are stupid, but too slack, or the mother is too used to them, if they are willing to work hard, they will definitely be better than their son." ”

The old lady listened to it for a long time, her eyes blinked, and she didn't know if she understood.

"Your second brother and they are so old, what else can they do, I'm afraid it won't work in this life, but their biggest advantage is to add several great-grandchildren to me, the little great-grandson of the second family, at first glance, it is an elf ghost, and when he grows up, he must have a future, and the two little great-grandchildren of the fourth family, they like to say that it sounds good, the small mouth is sweeter than honey, and the little great-grandson of the third family is even smarter, and he can memorize the three-character scripture at the age of five, and he looks pleasing to watch."

As she spoke, the old lady changed the subject, and turned the topic to her little great-grandchildren, and seemed quite happy.

Li An and Carpenter Zhao glanced at each other, but they were speechless. And Ang Lee couldn't understand it at all, the old lady in front of her was really confused, thinking of what to say, or deliberately changing the topic, or intermittent Alzheimer's.

"Da Lang and his father, the tea is ready."

Carpenter Zhao's wife suddenly walked out and bowed slightly to Li An.

"Li Shilang, come in and sit down and have a cup of tea!"

Li An nodded and went in with Carpenter Zhao.

"Craftsman Zhao, your mother doesn't seem to make sense, so she has to find another way."

Li An said very helplessly.

Carpenter Zhao looked bitter on his face, and said very sadly: "What else can I do, my mother is like this every time, as long as a few younger brothers cry poor, my mother is distressed, these three rooms can't be built in the main house, pity my Erlang!" They are all nineteen years old and have no daughter-in-law. ”

Li An smiled slightly, put down the tea, and said: "There is still a way, as long as Craftsman Zhao makes up his mind to build three rooms, this official can give you a reliable idea." ”

"Would you like to hear about it?"

Li An said with a smile: "You can pay in installments, first let someone come over to build the house for you, and then, use your monthly salary to repay the money, but it is to charge interest, originally it only takes 100 yuan to build a house, and it takes about 112 yuan to use this method, which is just 90% of your salary for more than a year." ”

This kind of installment payment is extremely common in later generations, in that era of high housing prices, it is difficult for ordinary people to afford a house, it is very good to be able to make enough down payment, and then it is a monthly loan repayment career, the biggest advantage of this way is to reduce the difficulty of buying a house, so that ordinary wage earners can afford to buy a house, so it is favored by the whole society.

In the era of Datang, there is no precedent for buying a house in installments at this moment, but as long as Li An says the rules, he believes that whether it is a buyer or a financier who is willing to borrow money, he will agree, the rich value a steady stream of interest, and the borrower is willing to borrow because he needs money urgently, but he does not have so much money.

"Installment payment, it sounds good, but if you can't keep the money every month, how can you repay it?"

Carpenter Zhao expressed his worries.

Li An smiled and said: "Craftsman Zhao is too worried, if you are asked to take the completion money to repay the money yourself, then the risk is too great, it is estimated that no one is willing to borrow money, and the way to repay the money is naturally directly deducted from your salary, so that these borrowers can rest assured!" This way that there will be no surprises is acceptable to others. ”

The rich people of this era are not fools, in case they meet the old lai, it is not a bamboo basket for water, so when they borrow money, they must assess the risk, as long as the risk is too large, they will choose to give up, only the risk is in a controllable range, they will agree to invest.

"But the villain borrowed so much money at one time, if it was known by a few brothers, maybe it would be borrowed immediately, and where would the house be built."

Carpenter Zhao found another problem.

Li An said speechlessly: "This is not simple, just negotiate directly with the businessman who built the house, don't give the money first, and then, sign an agreement, let them go to the yamen every month to get the money, as long as the interest is reasonable, there will be the businessman who built the house to agree." ”

In this era, near Chang'an City, there are many businessmen who make a living by building houses for people, they have dozens to hundreds of small construction workers under their hands, and the most powerful big businessmen control a number of small businessmen, and master thousands of construction craftsmen, these big businessmen are relatively rich, let them collect money in installments, it is not impossible, as long as the interest is reasonable, and the way to give money is more reliable, it will definitely be able to move their hearts and make them agree to this special payment method.

Even, Li An feels that this situation may not be absent in Datang, but the scope of Li An's activities is limited, and he is not too clear about many grassroots things, or the vast majority of people who build houses will first save enough funds and then build houses with confidence, and rarely will build houses on credit first, and then pay back the money, after all, many people's incomes are unstable, and businessmen are not fools and will not take too many risks.

Carpenter Zhao frowned and thought for a long time, and finally figured out all the joints, and his heart suddenly became clear, this may be the only feasible way, when the time comes, the house will be built, and most of the wages will be used to pay off the debt, and the brothers will force him to death, even if his mother is blind from crying, he will not be able to come up with the money.

"By the way, Craftsman Zhao, once you have negotiated with the house-builder and signed the agreement, you can make this matter public, so that the whole village knows, and also, hurry up and tell your Erlang a little lady, tell the matchmaker that the house being built is for your Erlang's wedding room, so whose girl will not like it? Craftsman Zhao is not far from hugging his grandson, haha! ”

Li An said very intimately, after all, Carpenter Zhao's younger brothers are too difficult, if you don't plug this opening, maybe the house has just been built, and a few younger brothers will come to grab the house, so, Carpenter Zhao built a new house, but made a wedding dress for his younger brothers, which has to be guarded against.

And as long as the public opinion is sufficient, Zhao Carpenter's younger brothers will not be easy to start, besides, the housing conditions of Zhao Carpenter's family are indeed relatively tight, after Erlang's new marriage, two wings live in the old mother, and the vacant room can accommodate Zhao Carpenter's youngest daughter and little granddaughter, so, it is still tightly tense, and after Erlang's new marriage, the two brand-new bedrooms will have one more, but occupy other people's newly married rooms, which is very inauthentic, besides, Zhao Carpenter's younger brothers' family can also live, There is no need to do this.

The bad things that had plagued Carpenter Zhao for several years were easily resolved by Ang Lee, and Carpenter Zhao was very grateful in his heart, so he knelt down for Ang Lee.

"Li Shilang's grace, the villain is really hard to protect, this life is with Li Shilang, if you violate this statement, let the villain die well."

Carpenter Zhao said gratefully.

Li An smiled contentedly and said: "Okay, okay, it's just a little thing, it's not enough to worry about, as long as you work hard in the future, by the way, there are two sons in Craftsman Zhao's family, haven't they learned carpenter's trade?" ”

"Back to Li Shilang, carpenters were not good at making a living before, and it was also very hard, mother and clumsy Jing were unwilling to let Da Lang and Erlang learn carpentering, Da Lang went into the city to help people transport goods, Erlang worked as a coolie in the workshop, and now I am afraid that it is too late to learn, but the villain will teach them when he finds time, if they have this understanding, they can change to become carpenters, and if they do not have this understanding, then they will not be able to do this business."

Carpenter Zhao said.

"That's a pity, Blacksmith Li's sons didn't learn blacksmithing, I didn't expect your son to be in the same situation, it's a pity."

Li An sighed, and then said: "It's not too early, this official really can't delay time, he has to go to the next family, Sun Stonemason's house." ”

"Li Shilang, Sun Stonemason's house is in this village, at the other end of the village, the villain will show you the way, you can't go far, the squire goes to sit in the car, and the villain runs fast."

Carpenter Zhao said sincerely.

When Li An heard this, he said: "That's really a coincidence, since it's in this village, there are not a few steps, let's walk together, by the way, we can talk a few more words, let's go!" ”

With a wave of his hand, he let the vehicle go first, with only three or five guards following.

The scenery along the way is very good, and you can meet acquaintances from time to time, and these people always take the initiative to greet Carpenter Zhao, which shows that Carpenter Zhao's popularity in the village is still very good.

Carpenter Zhao told Li An that he had planned it, as long as the new house was built and Erlang got married, he would change Erlang's vacated house into a professional carpenter's room, so that his two sons could learn carpenter skills well, and in addition, let his youngest daughter and little granddaughter live in another bedroom in Erlang's new house, which can be used as a guest room if they are guests at home.

Looking at Carpenter Zhao looking forward to his future, Ang Lee is also happy for him, although Carpenter Zhao no matter how he longs and works hard, the standard of living cannot be compared with Ang Lee, but for the people at the bottom of the society, this longing is still very life-breathing, which makes people's hearts warm when they listen to it, and Ang Li also very much hopes that the life of Carpenter Zhao's family can be on the right track.

Unconsciously, Li An and Carpenter Zhao walked to Sun's house, and when they were still fifty steps away from the gate, they saw Sun's stonemason who was hurrying up.

In the era of the Tang Dynasty, stonemasons were originally craftsmen who carved stones, but in Ang Lee's R&D center, stonemasons did not do this job, but in addition to panning stones, they also needed to master the knowledge of cement and concrete, and even carve various patterns on concrete.

The general stonemason is familiar with carving patterns on the stone, but the structure and hardness of cement and concrete are very different from ordinary natural stones.

Of course, this is only the preliminary skills of stonemasons in the new era of the Tang Dynasty, in addition, they also need to try to invent cement materials with different properties according to Li An's instructions, because different projects, the demand for cement materials is different, only by inventing a wide variety of cement, can we better build the Tang Empire.

Therefore, the stonemasons in the new era of the Tang Dynasty have a very important role, without these high-level talents, how can Li An alone have enough time to explore and experiment, a large number of hard experiments, are done by Sun stonemasons, and Li An is only responsible for the overall guidance, put forward the general direction, specific details, Sun stonemasons and these people need to think about themselves.

In Ang Lee's R&D center, there are hundreds of excellent stonemasons, but there are only a few top talents like Stonemason Sun, and Ang Lee's most important thing is precisely the top talent, so he attaches great importance to Stonemason Sun, and comes to deliver New Year's goods in person, which is to reflect the love for Stonemason Sun.

"The villain sees Li Shilang, please, please, Brother Zhao too."

Sun Mason saluted Li Ang very warmly.

Li An nodded and walked in front of Sun Stonemason, half a body longer than Sun Stonemason, and Yan Ruyu had already been surrounded by Sun Stonemason's daughters.

When on the road, Carpenter Zhao told Li An that Sun Stonemason had an eldest son and six younger daughters, a total of seven children, among them, the eldest son was married and added two granddaughters to him, and the six daughters, only the eldest one recruited a son-in-law, and the rest of the daughters are not too old, two of them are sixteen and fifteen years old, they can also be said to be kissed, and the thirteen and eleven years old still need to wait a few years, as for the two little ones of eight and six years old, it is still early?

It is said that every family has a scripture that is difficult to read, and the difficulty of Zhao Carpenter's family is that Zhao Carpenter's younger brothers are too difficult, and the situation of Sun Carpenter's family, that is, there are too many daughters, but there is only one son, and the key son has added two granddaughters to him in a row, making the Yin Qi of the Sun family heavier.

For this reason, Sun Mason will insist that his eldest daughter recruit a son-in-law, so that if the child born by the eldest daughter is a boy, it will be his grandson, and their grandson will have a descendant.

But since ancient times, those who are willing to be door-to-door sons-in-law are generally people at a lower level, and people with ability, ability and backbone will not be door-to-door sons-in-law?