Jacob Fuger's smile on his face these days has been unable to suppress his smile. Why? Because money has been making too easy recently! As a banker, the Fuger family likes to ask them for loans. Just like the five major banks in China in later generations, they saw rich men such as Ma Dad and Lao Wang asking them for loans. Insurance, the profit is also sufficient...
Moreover, the interest rate for loans this year is much higher than in later generations. The annual interest rate for those nobles and the Fuger family starts at 15%. This is the nobles who have better repayment ability and have a lot of debt. They need to increase interest to borrow money. For example, 20% or even more... Sometimes, in the event of war, the annual interest rate can even soar to 40%...
What? You said those nobles may not be able to pay it back? Impossible. Why? This time, those nobles used the land they bought to mortgage. No matter what, the land will not depreciate. If it really doesn't work, the worst thing is to confiscate the manors they bought to confiscate...
In short, loans with land mortgages are relatively insurable loans. In addition, the introduction to this business, Marin, is also a very high-quality customer in Jacob Fuger's eyes, no less than Dad Ma and Lao Wang in the eyes of the five major banks in the future. Because Marin has a hard currency mortgage in his hands - grain and spirits!
Marin and Duke Ulrich had a shortfall of hundreds of thousands of gold coins when purchasing the population. All of these money needed to be borrowed from the Fuger family, with an annual interest of 15%. Marin also has a mortgage, which can be grain or spirits made from grain. They are all mortgaged at 80% of the market price, which is the purchase price. Of course, only when Marin can't afford to pay the money will he mortgage grain or spirits. According to the information of the Fuger family, the value of the food and spirits in Marin's hands is far greater than the mortgage value. Therefore, he is not worried that Marin can't afford to pay the loan. In this way, the business is profitable.
Therefore, before Marin developed America into a prosperous country, the most profitable one on the surface was probably the Fugers family. Secondly, Ulrich, the Duke of Württemberg, who took a lot of cash.
However, in the long run, Marin, the most profitable person, is actually the nobles who divide most of the manors. Because arable land will always retain its value, especially in the South Germany where the plains are few.
Of course, this long term will take hundreds of years. When the land speculation begins in later generations, the value of these lands will be reflected. If it is purely farming, the profit will be far less than that of the Fuger family, the one who opened a bank. But in hundreds of years, who can tell whether the descendants of these nobles can preserve the land of their ancestors?
If we consider it from the perspective of risk, Ulrich, the most unreliable Duke of Württemberg, has become the biggest winner. Because he has already made a living...
But unfortunately, most of the money of this guy has to be used to pay off his debts, rather than investing money to make money. Moreover, with this guy's luxury style, even if he can still pay off his debts hundreds of thousands, he will probably be spent all of it...
Otherwise, it would be enough to use his income from cashing out hundreds of thousands of Gulden gold coins to buy several countries.
However, Marin likes prodigal sons like Duke Ulrich the most. Because, if this guy hadn't owed a huge debt of millions of gold coins, how could he be forced to sell people? Marin lacked the population the most, and for such a prodigal son who dared to sell people, he was so happy that he could kiss him a few times.
Moreover, Marin wanted to use Duke Ulrich as a benchmark and serve as an example for others to see. You should know that in the German region, there are more than one of the Duchy of Württemberg. In the entire Southern Germany region, most of the vassal states have a large population. The main reason is that there are too few plains here.
Hundreds of years of stable life, without war, and the population continued to increase, which made the surplus population of all the vassal states in southern Germany. Therefore, the famous German mercenaries mainly came from the Southern German region. Because only here has the excess population to join the army and die...
In addition to these peasant uprisings this year, there will be even larger peasant uprisings in the next ten years, also in southern Germany.
In the German peasant war in 1524, there were more than 100,000 peasants massacred by the suppression. Moreover, these were mostly strong men! If they were packed together with their families, they would have hundreds of thousands of people!
If you can take the opportunity to buy it, you can fully cultivate a large area of ​​land in North America! You must know that when the thirteen North American states were independent, the thirteen states were only two or three million. Hundreds of thousands of people could fully cultivate two or three states. That was a state in the United States, at least one hundred thousand square kilometers per state! Two or three states were larger than the entire German region!
Of course, it is unlikely that all the so-called development of two or three states will be fully reclaimed. However, the fertile land on both sides of the main rivers can still be developed. At that time, the pioneers of colonists who colonized America did this. For places that were not easy to rely on rivers to irrigate, they were too lazy to develop, and only developed fertile land on rivers...
In Europe, the fertile land by rivers is generally only in the hands of the nobles...
Marin is spending a lot of money now, and buying people with Duke Ulrich, a prodigal son, is actually doing it for others to see. At the right time after the transaction is completed, Marin will deliberately reveal the news, making other South German princes jealous. Then, in a few years, when the peasant uprising broke out in 1524, they will remember that these rebellions can be exchanged for money! Then, without Marin's words, they will take the initiative to sell. After all, most of the German princes have poor finances. If they can exchange money, they will not be willing to kill them...
Or, it can be said that the princes with good economic conditions will not over-explore farmers. Without exploding farmers, there will be no peasant uprisings...
In other words, any vassal state where peasant uprisings broke out would be very short of money. Otherwise, they would not force the peasants to force the peasants to launch an uprising.
This chapter is not over, please click on the next page to continue reading! At that time, these short-term princes will catch the rebellious farmers and sell them for money. They will definitely be willing. After all, no one wants to be a poor man...
...
When Marin urged the Principality of Württemberg to escort the 26,500 farmers and their families to Karlsruhe as soon as possible, the 3,000 farmers bought from the Breschgao area in the local port of Emden, a total of 13,000 farmers were bought from the Breschgao area. The last batch of 3,000 people had been loaded and left the port and headed to the American continent.
This time, the destination of these 13,000 immigrants is still New Jersey, east of the Delaware River, which has just occupied. There is an area of ​​20,000 square kilometers there. Previously, it was mainly composed of tens of thousands of English refugees, and only a few thousand Germans. Including the New York area on New Jersey, it is also mainly composed of English refugees.
Marin was a German after all, so naturally he didn't want the English to have the advantage of the place he valued most, even if they were Germanic.
Therefore, whether it is this group of 13,000 people or the next group of more than 100,000 Wurtemburgers, they will definitely be given priority in New York and New Jersey to make the Germans dominate. Of course, the little tricksters taught by Taylor should also be equipped. Marin needs these missionaries to help trick them, so that new immigrants will devote themselves to themselves.
Fortunately, many of Taylor's disciples can stand alone now, and Taylor doesn't need to take the initiative to teach the little tricks. And Taylor's disciples can also teach a larger number of small tricks missionaries to help Marin calm people...
However, New Jersey certainly cannot use more than 100,000 people. Therefore, when more than 100,000 immigrants from the Wutemberg area arrived, Marin's colonial army would cross the Delaware River and head towards the future Delaware and Pennsylvania to the west, occupying and developing these areas.
In later generations, Pennsylvania's Red Oak was very famous. The famous "Constitution" warship was mainly built of red oak. Moreover, Pennsylvania has rich resources. The coal mine resources of the Appalachian Mountains in the west are very rich. Pittsburgh, a famous steel center in the United States, is located in the western part of Pennsylvania, close to the coal mines of the Appalachian Mountains.
In addition, the world's first modern oil well was drilled by Derek, the "original oil industry" in 1859 in Testville, not far from Lake Erie, northwest Pennsylvania.
Marin didn't know where Testville was, but he knew that before early oil wells like Testville, oil seedlings would definitely be exposed to the ground and emit odors like sulfur. Otherwise, early oil practitioners would not drill there. After all, the oil industry had not started yet, and there was no theory of "looking for water in the incline and oil in the anticles". The only reason that they could drill was because the oil seedlings showed up...
Chapter completed!