Zhu Ying actually hates the issue of housing loans.

Especially in the previous life.

But now, the loophole of housing loan has finally been opened.

It's not that he wants to do this, but the fast-moving economy is forcing him to do so.

Before the mortgage was opened, a criminal case occurred in Liaodong, which caused quite a stir. It even spread to the capital, and even Zhu Ying and Zhu Yuanzhang knew about it.

The perpetrator was an officer of the public security station named Zhang Xiong.

He was a retired border guard, and as he reached the age of fifty, he was placed in a public security office for adjustment.

There is also a substantial retirement allowance.

In theory, this situation is naturally very good. After all, you can get money after retirement and eat government food.

He has an only son, who is Zhang Xiong's eldest son.

His only son is over 20 years old and still hasn't married, which makes the retired Zhang Xiong very worried.

Fortunately, after dozens of blind dates, I finally found the right person.

This was not his only son's fault, as Zhang Xiong had been stationed at the frontier for a long time, and the family, without a man, would naturally be bullied. An accident caused his only son to become lame on half his leg.

Otherwise, given Zhang Xiong's current situation, he certainly doesn't have to worry about not finding a good family.

The woman just suggested that she hoped to buy a house and live in the capital city.

This is the provincial capital. Although it is located in the frontier, due to the recent economic development of the Ming Dynasty and the disappearance of the threat from your Mongolian grasslands, prices have risen extremely rapidly.

Many Mongolian nobles also came to settle the matter.

Zhang Xiong was just a retired flag soldier, so of course he couldn't afford so much money, but for the sake of his son, he had no choice.

In the end, I had no choice but to find a money lender to borrow money.

The problem lies with this money house.

This money house is just a private money house, and most of the people behind it are former smugglers.

Zhang Xiong was illiterate, so he fell into a trap when signing the contract.

He borrowed 50,000 strings of treasure notes, but less than a year later, the money house sent people to collect the debt, demanding 800,000 strings of treasure notes, including principal and interest.

Eight hundred thousand! Where did Zhang Xiong get so much money?

I sold my house and my land, but it was still a drop in the bucket.

There is no decent person among those who do smuggling on the grassland. In the end, he has to go to the capital to find his only son. If he doesn't pay, his house will be taken away.

Zhang Xiong had only this one son. When he heard his threatening words, he became furious and acted like a devil.

Using his position as a connection, he found out who was behind the money house.

He has been staying at the border for many years and can do nothing but kill people.

He poisoned them overnight and then killed all 180 of their family members.

This is a tragic case of annihilation of an entire family.

It immediately attracted great attention.

The matter should have ended here. The clues were clear and all we had to do was capture Zhang Xiong who had escaped.

However, Zhang Xiong unexpectedly went to find his old superior.

Once in a confrontation with the Mongols, he saved the life of his own general.

And that general flag is now the thousand-household commander.

Upon hearing that his savior had caused this disaster, he immediately took hundreds of soldiers and went straight to kill all the people in the bank.

Even the public security bureau was helpless and could only watch the bank burn down.

Now, the problem is serious.

The prefect of the city directly questioned the situation, but the garrison refused to give in, and the two sides came to a stalemate.

And that thousand households naturally have some connections.

Finally, he joined forces with a few of his comrades and surrounded the government offices in the city, causing quite a stir.

Because of the riot of the local army, the news spread to the capital.

To be honest, it’s all because of the loan I took out to buy a house.

In this era, lending often has extremely high profits and is also very dark.

When Zhu Ying heard about this case, he asked people to investigate the news related to money houses and house purchases in various places.

Sure enough, a large number of similar situations were found.

Of course, most people don’t have a foundation like Zhang Xiong.

This also happened at the border. After a large number of smugglers ran out of business, they looked for other ways.

Once you get used to illegal transactions, it is impossible to clean up your mess.

A large number of gangs were formed, all black and gray.

Even if it is something like human trafficking, if the money is enough, they will do it right away.

Zhu Ying was thinking of ways to move people from outside in, but these beasts used deception and robbery to sell the people of the Ming Dynasty and make huge profits. It was simply lawless.

The chaos in the border areas is caused by many factors. Rectification campaigns to crack down on gangsters and eliminate evil are frequent, but the roots are difficult to eradicate.

Compared with these evil forces, ordinary people have no room for resistance.

It is possible that the local government is acting as a protective umbrella.

So after learning this, Zhu Ying allowed the Royal Bank to start mortgage business.

At least the Royal Bank will not be like these black money houses, forcing others to lose their families and lives.

In the past, for many people, land was everything.

Because Zhu Ying no longer allowed private buying and selling of land, the people's focus shifted to houses.

Now, these money shop owners in the capital want to force the imperial court by maliciously raising the housing prices.

…

House prices are not controlled by the government or the court, but are self-regulated by the market.

The larger the population, the greater the demand for houses, and house prices will naturally rise.

In fact, as of now, the housing prices in the Ming Dynasty are not unaffordable for ordinary people. Except for the major cities, such as the capital, or the economically prosperous coastal areas, where the prices are slightly higher, it is not that exaggerated.

Today, the total population of the Ming Dynasty, including migrant workers from outside, is roughly just over 10 million.

For example, in the capital, Zhu Ying did not want too many people to be crowded in Nanjing, so he continued to develop the suburbs.

Since many houses are built, the price will naturally not be high.

As for the city of Nanjing, it can be said that there is no demand for it even though the price is high.

Zhu Ying just waited quietly and watched the money shop owners perform.

As time passed, two months passed in the blink of an eye, and the autumn of the 31st year of Hongwu arrived.

There has also been a lot of movement in the matter of money houses colluding with real estate speculation.

They certainly didn't dare to hoard goods at high prices in the capital, which was the emperor's capital, and they didn't have enough funds to do it.

The housing prices here in Nanjing are already high enough.

And the target is those other prefectures.

The rumors that Zhu Ying deliberately spread gradually faded away due to the passage of time and the lack of action by the court. A number of money houses that could not hold out were eventually bankrupted and liquidated.

Zhu Ying naturally let the Royal Bank take over and continue the business by changing the brand.

In an era when transportation and horse travel were slow, it was impossible to evolve as quickly as in later times. This required a fermentation process.

If they want to take action, they have to do it in the provincial capital. Zhu Ying has asked the Jinyiwei to keep an eye on the changes in housing prices in provincial capitals across the country.

On this day, Zhu Ying, who was taking the baby out for a walk with Zhu Yuanzhang, received a report from Jiang Lin.

"Your Majesty, Your Highness, the Jinyiwei Yamen has received reports from various places, and the housing prices in various prefectures have undergone tremendous changes."

"Driven by the money houses in various places, not only the money houses themselves, but also many wealthy families and nobles have joined the ranks of hoarding houses, hoping to gain huge profits."

"This storm of hoarding houses is spreading across the entire Ming Dynasty, including the houses in the capital, which have recently increased by about 20% due to events in various places."

Zhu Yuanzhang glanced at his grandson, who looked calm, and said with a smile, "These guys have really fallen into the trap. Grandson, do you think we should close the net?"

"I guess during this period of time, our treasury has become much fatter."

In the field of house construction, starting from the renovation of Zhengyang Avenue, the first to enter the industry was the Qunying Chamber of Commerce.

After the Heroes Chamber of Commerce was broken up into smaller pieces, this construction section was pulled out separately.

Today's construction is of course mainly based on cement, abandoning the previous purely wooden structure. Zhu Ying owns the most and largest cement factories in the Ming Dynasty.

no way.

While private enterprises are encouraged to open factories, there are not many private cement factories due to profit limits and the need to protect workers' wages.

Development could not stagnate, so Zhu Ying quickly opened chambers of commerce in various places in the name of the chamber of commerce, which also included construction teams.

The reason why Zhu Yuanzhang said that the money in the treasury had increased was because Zhu Yingcai was the largest real estate oligarch in the entire Ming Dynasty.

It can be said that the largest builder in every prefecture is under Zhu Ying’s name.

There were wealthy families and even nobles who wanted to join the construction industry.

In order to prevent the tragedy from happening again in the future, where the workers' hard-earned money could not be guaranteed, Zhu Ying set up many barriers in the construction.

For example, workers’ wages.

The payment is not settled by the contractor of the construction, but a sufficient deposit must be paid in advance to the local government.

The wages are paid in full by people arranged by local authorities after being verified by the builders.

Because under the law, all the land under heaven belongs to the king.

Even if the house is built, the title deed belongs to the imperial court, so the local government will naturally be involved.

This includes the control of project quality, which is also the responsibility of other government offices in the local government.

To put it another way, most of the houses in the provincial capitals are sold by Zhu Ying.

These bank owners hoarded goods and maliciously drove up housing prices, but in fact a lot of money went into the pockets of the treasury.

Zhu Ying did not control the money shop owner to do this first because of this consideration.

To put it simply, it means taking away the working capital of these private banks and wealthy families.

"Revenues from various places have not been reported yet, but given their efforts, I'm afraid they won't be much less."

"The capital's housing prices are so high that they have been affected and have increased by 20%. The prices in other provincial capitals are estimated to have increased several times, or even ten times," Zhu Ying replied with a smile.

Zhu Yuanzhang subconsciously asked: "How many strings of treasure notes would that be?"

Zhu Ying shrugged: "I don't know, I guess it starts at tens of millions, even 100 million coins is possible."

"so much?"

Zhu Yuanzhang was obviously a little surprised, but then he quickly recovered.

In the past two years, money has really been of little use.

The taxes of tens of millions of coins could make Zhu Yuanzhang excited for a long time.

But since the eldest grandson came, the amount of money has been tens of millions or even hundreds of millions, which is really numb.

Originally, the Baochao Tizhusi was reluctant to print the banknotes for fear that they would cause the banknotes to depreciate.

Now.

The ratio of one tael of silver to one tael of silver has reached one to one.

However, a large amount of silver was continuously used to exchange for treasure notes, which resulted in a certain extent that the Ming Dynasty’s treasure notes were not enough.

The treasury reserves are greater than the amount of banknotes printed.

The only option was to continuously expand the Baochao Tizhusi and print money around the clock.

Similarly, large amounts of gold and silver continued to flow into the national treasury.

"How about we close the net later, Grandson?"

The money came so quickly that even Zhu Yuanzhang was tempted.

This is much more than just confiscating property.

Zhu Ying shook his head: "It's not good to delay it for too long. Now the people entering the market are all big families like money houses, including wealthy families like nobles."

"If it's delayed for too long, many people will follow suit and harvest the crops, which will only ruin people's morale."

“There may be some greedy people now, but they are few and far between. Most are just waiting and watching.”

Now is different from the future, with the help of the Internet, we can monitor housing prices in real time.

It takes time for news from the capital to spread throughout the country.

The slightly better aspect is that this incident was mainly concentrated in provincial capitals.

The official roads in the city have been improved, and the post stations can transmit information quickly. Even in the slowest areas, a month is enough for news to be transmitted.

There is also a time difference.

That is the reporting process of the Jinyiwei responsible for lurking in various places, which also takes this long.

This back and forth has been going on for the past two months.

The longer it drags on, the more people will be trapped. People are greedy. When they see others making huge amounts of money, how can they resist, even if they know there are certain risks?

Most people have just made ends meet, and the rapidly developing economy gives people the illusion that they can make money quickly by doing anything.

Many people always hear that a certain fellow villager has made a fortune somewhere and returned home in glory.

So-and-so earned a lot of cash and bought a big house in the city.

When someone gets married, the dowry they give is shocking.

In such a social context, when housing prices rose rapidly, just like stocks in later generations, many leeks came uninvited.

Harvesting as soon as possible can deal a powerful blow to these money houses, and at the same time cut off a wave of large households, thus reducing the current gap between the rich and the poor in Ming Dynasty.

"Okay, now that the eldest grandson has said so, let's get started."

The Ming Dynasty belongs to us, so there is no need to corrupt the people's money.

Zhu Yuanzhang thought so.

Zhu Ying nodded and instructed Jiang Lin: "Send a message to the Imperial Report Department to immediately put the prepared Imperial Report on sale early tomorrow morning."

"At the same time, I will order the six ministries to send the prepared 'sale restriction order' to each provincial government via the post station at an expedited rate of 600 miles."

"It is required that the provincial governors of all regions immediately publish the local gazette upon receiving the 'sale restriction order', and strictly inspect the local yamen houses, and order the local government offices not to change the property deeds."

Sales restriction order:

Anyone who purchases a new or old house is not allowed to buy or sell the house deed within two years.

Based on household registration, from the issuance of the sales restriction order, two or more property deeds may not be purchased in the same area.