Chapter 195 Is there a trap here? (Here it comes!)

The central bank is located in the state government office.

Zong Baosheng looked at the state government office, which was a bit rundown but still looked majestic as a government official, and said with some hesitation: "It should be an official government office, but there is nowhere in the state government office that we farmers can enter..."

Elder Zong said: "The people promoting the central bank said that the central bank is dedicated to supporting our farmers. It is impossible not to let us in, right?"

The elders of the clan were not very sure either.

The father and son were lingering at the door, which immediately attracted the attention of the government officials. They strode over and shouted: "You! What are you doing here!"

Zong Baosheng was startled when he heard this, then nodded and said: "Ah, sir, the villain and his son are here to find the central bank. I heard that the central bank can provide loans..."

The yamen servant stared at Zong Baosheng for a while and said, "Which village are you from?"

"From Dong'ao Village."

The yamen officer nodded and said, "It's right inside. You'll see it when you go in. Don't run around, or you'll be caught and I'll give you a good beating."

Zong Baosheng nodded and bowed, and then carefully led the elder Zong inside. He could only feel his heart beating violently.

Elder Zong looked around after entering, and then suddenly said in surprise: "Dad, that's it! That's the Central Bank. I saw the words on the door. It said, Central Bank of the Song Dynasty. Ha, it's here!"

Elder Zong studied in the village for a few days and is considered the most educated person in the family.

Zong Baosheng grabbed the elder and said, "Are you sure that's what it is?"

The sect elder nodded affirmatively: "I must know these words, they are them."

Zong Baosheng and the elders moved over timidly, and then someone saw them at the door and ran out with some joy: "Are you looking for the central bank?"

Zong Baosheng said timidly: "Yes, we are here to find the central bank. We heard that you have loans here to specifically support...our farmers?"

The man smiled and said: "Exactly, please come in quickly!"

As he said that, he pulled Zong Baosheng inside, but his enthusiasm frightened Zong Baosheng. Zong Baosheng struggled and said, "Hey, you... what are you doing?"

The man immediately realized that he was too enthusiastic, and quickly let go of his hand and said: "Don't be afraid, don't be afraid, come on, please come with me."

Zong Baosheng composed himself, looked at his son, and felt a little hesitant. After a moment of hesitation, he nodded with his son, and then followed him inside.

The man arrived in the hall and said with joy: "Hurry up, the business is here!"

Suddenly someone came out of the empty hall, and someone even made a cup of tea for Zong Baosheng. Zong Baosheng was at a loss to catch it, and then another person who looked like a high official came out. The person who originally received Zong Baosheng said quickly: "This

He is the governor of our central bank.”

Zong Baosheng didn't know what a governor was. He thought he should be a high official, but he didn't know how to communicate, so he just nodded to others cautiously.

The governor saw Zong Baosheng's restraint and smiled: "My name is Han Jiang. Just call me Governor Han. Are you here for a loan?"

Zong Baosheng wanted to nod, but he was a little scared in his heart. He shook his head, but then nodded and said: "The little man's fields have not harvested anything this year. Seeing that he can't live anymore, he wants to borrow some money to live, but outside

The interest rates on loan sharks are too high. I heard that the interest rates here are relatively low, so I came over to take a look. I may not be able to borrow money. You don’t have to be so polite. How about I leave?”

Han Jiang said warmly: "Brother, there is no need to worry. You can get a loan if you need it. If you think the conditions are not good, you don't have to get a loan. We won't force you."

After hearing that he would not be forced to do anything, Zong Baosheng finally breathed a sigh of relief and said, "This is better. This is better."

Han Jiang smiled and said: "Brother, let me tell you about our loan first. What you are most worried about should be the interest issue, right?

Our interest here is three cents per year, which is annual interest, not monthly interest. That is to say, if you borrow 100 guan and the loan period is one year, then at the end of the year, you only need to repay 103 guan.

.

We will not ask you to repay before the time is up. If the time is up and you are short of money, you can still postpone the repayment.

If you suddenly have a lot of money after borrowing and don't want to pay back so much interest, you can pay it back in advance.

At that time, it will be calculated based on the repayment time. For example, if you borrow half a year and pay it back in advance, the interest will be a consistent five.

We will not engage in any tricks with you here, such as nine outs and thirteen returns. If you borrow a hundred guan, you can get a hundred guan, and the principal and interest will be returned together when the time comes.

I said this, brother, do you understand?"

Han Jiang made it very clear. Zong Baosheng had borrowed a loan before, so he could understand it. He was a little surprised and said: "Is the interest rate really so low? Can you repay the loan in advance, and can you continue to extend it if you don't pay back the loan?

"

Han Jiang smiled and said: "Yes, brother, you listened very carefully. It is true. These can be implemented in the contract. Brother, do you know the words?"

Zong Baosheng shook his head and said: "The villain doesn't recognize it, but the villain's son does."

Han Jiang looked at the elder of the clan, who nodded quickly: "I have read with the gentleman in the village."

Han Jiang smiled and said: "That's easy. We have a standard contract. Everyone who comes to borrow money has the same contract. You can take a closer look and study it to see if there are any problems."

The person next to him quickly handed over the template of the contract. Han Jiang took it to Zong Baosheng and said, "Brother, take a closer look with Mr. Ling and see if there is anything you don't understand. I'll go over there and sit down.

If you understand, you can tell me."

Zong Baosheng quickly took over the contract.

Han Jiang nodded with them, then walked to a table far away to rest.

Han Jiang walked to the far table and sat down, watching Zong Baosheng and his son with their heads on their heads, studying carefully there.

The person who brought people in at the beginning came close to talk to Han Jiang: "Governor Han, can you tell me if this order can be signed today? You have also seen the situation here. We have also worked very hard on publicity. The service here is

It is also done very well, and this clause is also formulated in accordance with the requirements of the headquarters.

However, few people come to us to inquire, and even fewer people are willing to borrow, and we don’t know what the situation is. We have also looked at loan sharks outside, and the interest rates are very high, but farmers are willing to borrow from them, and we don’t know why!

"

Han Jiang shook his head and said: "You need to continue to dig deeper to see what the situation is. It is certain that farmers will have no harvest this year. There will definitely be many people who need loans. Our interest rates are so low and the repayment conditions are also very loose."

, it’s impossible not to be moved, there must be other reasons!”

Over there, Zong Baosheng asked his son to read the terms to him word for word. The elder Zong was also very serious. Although he didn't recognize some of the words, he even had a vague guess and got a rough idea.

Zong Baosheng hesitated and said: "This is consistent with what Governor Han said, but why is the interest rate so low? Are there other traps?"

Elder Zong said: "Dad, this is the central bank of the imperial court. It is used by the government to help farmers. It shouldn't come to trick us, right?"

Zong Baosheng shook his head and said: "It's hard to say. Officials are naturally kind, but officials are not. You continue to see if there are any traps."

The elder Zong looked at it carefully several times, but there was nothing wrong with it.

Han Jiang came over and said with a smile: "Brother, do you understand everything? Do you want me to read it to you?"

Zong Baosheng quickly waved his hand and said, "No, no, no, I've seen it all, I've seen it all."

Han Jiang nodded and said, "Brother, does this contract still meet your requirements?"

Zong Baosheng hesitated and said: "It's quite consistent, but..."

He gritted his teeth and said, "...but why is the interest rate so low? Is there any trap in it?"

Han Jiang was stunned and said: "Trap? Is there any trap?"

Zong Baosheng said with fear on his face: "Will I say that I can't pay back the money in the future, and I have to use the land to offset it, or something like that..."

Han Jiang was immediately happy when he heard it, pointing to the terms and said: "Brother, look at it, the repayment terms are written here, and we all repay according to this.

That is, when repaying the loan, you can choose the method you like to repay it. You can use food to repay it, or you can use cash to repay it. Whichever method best meets your expectations, use whichever method!

This is to prevent the service staff from seeking personal gain. For example, if the price of food is high, you will have to pay with food. If the price of food is low, you will have to pay with money. In this case, you will suffer a loss.

As for the fields, we don't harvest them because we are helping farmers, just to prevent you from becoming refugees.

If we harvest your fields, you will definitely become refugees, which is not in line with our original intention."

Zong Baosheng finally felt confident and plucked up the courage to say: "Is your central bank really set up by the government to help farmers?"

Han Jiang nodded and said: "That's right. The officials believe that there will be a severe drought in the world this year. If we don't actively treat it, there will be refugees everywhere and people will have no way to make a living. Therefore, the central bank is asked to go to various places to help farmers, just for the sake of the common people."

Zong Baosheng finally felt relieved and breathed a sigh of relief and said, "Okay, I'll lend it to you."

Han Jiang also laughed when he heard this: "How much do you want to borrow?"

Zong Baosheng raised a finger timidly and said, "Is ten strings okay?"

Han Jiang was stunned and said: "Ten passes?"

Zong Baosheng thought he had said too much and quickly said: "If ten guans don't work, five guans will do."

Of course, Han Jiang didn't think it was too much, but felt it was a bit less. But thinking about it, a farmer probably wouldn't dare to borrow too much money, so he smiled and said: "No, no, brother, you can borrow as much as you need."

Yes, okay, let me borrow ten strings..."

He turned his head and waved to others, and someone came over immediately.

Han Jiang smiled and said: "Brother, you sign the formalities with him. If you have any questions, you can come to me at any time. I will be here in Haizhou these days."

Zong Baosheng nodded repeatedly, and then signed the formalities with the people who came over. Then the central bank immediately released the loan. Ten coins were taken out and handed over to Zong Baosheng. Zong Baosheng and his son counted them again and again, for fear of missing a copper coin.
Chapter completed!