The next morning, Lin Dong brought his third brother to the Xiao family.

When Xiao Wan heard Lin Dong visiting him, he pondered for a moment and said to the butler: "The junior of the Lin family was driven out of the Xiao family by Ran'er. At this time, Lin Dong came to the door, and I don't know why?"

"Since the other party comes to the door with a bow, we must not lose our etiquette. You can invite it in person to see what they say."

"promise."

The manager accepted the order and turned around and walked out of the lobby.

After a while, the manager brought Lin Dong and Lin Mo in.

When Lin Dong saw Xiao Ran, he first said, "Lin Dong and his third brother Lin Mo have met Mr. Xiao."

Xiao Wan smiled and bowed back and said, "Don't be too polite to the head of the Lin family. We are all neighbors in Jiangnan. Why should we be so dissatisfied? Please sit down!"

As he said that, he signaled Lin Dong and the others to sit down with his hands.

Lin Dong did not sit down immediately, but said in panic: "Mr. Xiao is famous all over the south of the Yangtze River. Our juniors of Lin have collided with you. Please don't remember the villain's mistakes and don't bother with him."

"This time Lin came, one was to visit Mr. Xiao, and the other was to apologize. Therefore, Lin was really ashamed."

Hearing that Lin Dong was not in trouble, Xiao Wan took the opportunity to get up, took Lin Dong's hand and sat down and said, "Brother Lin, you have filtered it. The younger generation is the younger generation, and the elder is the elder. What does Lin Bo have to do with you? Besides, he can't represent your Lin family. Xiao also wants to thank you for understanding the care!"

"However, Lin Bo stood up for the Zhu family, obviously he was not kind-hearted. Please pay more attention to the head of the Lin family, but don't let such a junior lead the family to the end."

"I heard that your Lin family is full of talents and many young talents. The future will definitely be limitless. Don't implicate the entire family because of Lin Bo."

Upon hearing this, Lin Dong smiled bitterly and said, "What Mr. Xiao said is... To be honest, Lin Bo has been under house arrest and has no chance to participate in the affairs of the family again. As for the descendants of the Lin family, Mr. Xiao has to support him in the future."

When it comes to the juniors of the Lin family, it can be regarded as Lin Dong’s sadness.

Although the Lin family also has some talented juniors, since no one recommends it, there is no one who serves as an official now.

Now the imperial court has carried out imperial examination reforms, and there was only one imperial examination in several years.

It is really a long way to go to let the descendants of the Lin family carry forward the family.

What's more, even if there is an imperial examination and no help from the officials in the court, most of them will fail.

Thinking of this, Lin Dong was really depressed and worried.

Nowadays, not only does Xiao Yu have Xiao in the court, but he is also valued by His Majesty. The Xiao family's children have a bright career.

More importantly, the Xiao family is closer to Yang Fan.

If the juniors of the Lin family could get Xiao Wan's recommendation.

Even if the Lin family members do not have to take the imperial examination, they can become officials in the Grand Governor's Office.

In this way, Lin Dong naturally respected Xiao Wan very much.

What's more, Lin Dong was also afraid that Lin Bo's actions would be heard by Yang Fan, which would lead to Yang Fan's prejudice against their Lin family, and the consequences would be unimaginable.

Therefore, this visit was considered cautious and could only be in a tone of seeking others.

Seeing Lin Dong so humble, Xiao Wan was slightly stunned, and soon understood the twists and turns. After pondering for a while, he said: "Brother Lin, please don't worry, the Grand Governor is not such a slim person. If you Lin family members are really talented and are determined to help the Grand Governor create a prosperous scene in Jiangnan, I think the Grand Governor will not refuse..."

Hearing this, Lin Dong finally breathed a sigh, and then sighed: "Everyone in the world said that the Grand Governor was bloodthirsty and it was difficult to deal with. Unexpectedly, the Grand Governor had a beautiful breast and was as broad as the sea. I was relieved, but I still thank Mr. Xiao for his tips."

"It's okay!" Xiao Wan smiled and waved his hand and said, "Brother Lin, you come from afar. Let's take a sip of tea to relieve fatigue. This is a special supply of Longjing tea. It was given to my brother Xiao Yu last time by the Grand Commander. It has also benefited from it."

Lin Dong sighed and said, "Duke Song is keen to recognize pearls, but we are not as good as many people."

Xiao Wan ordered people to pour tea and treat them, and the three of them sat opposite each other, chatting and laughing.

The few of them are not old and are both Jiangnan gentry. They have many common points in their words, so they are not embarrassed to talk to each other.

After chatting for a while, Xiao Wan went straight to the point and asked, "Brother Lin came here this time not just because of Lin Bo, right?"

Lin Dong was about to put down the teacup in his hand and said seriously: I heard that Xiao also spent a lot of money, but I wonder if Mr. Xiao plans to fulfill it?"

"Of course our Xiao family will do it." Xiao Wan said with confidence and asked, "Don't your Lin family want to do it?"

Lin Dong looked puzzled and hesitated: "Old Xiao, to be honest, our Lin family makes a living by shipbuilding and is absolutely unwilling to give up on shipbuilding."

"Although the Lin family is not as famous as Xiao family and has great wealth, it is also a good family based on trust and righteousness. How can they do such a thing that they refuse to admit their convictions?"

"It's just that there are still descendants who are deceived by Zhu's family, so they only make such a quote during the bidding meeting."

"And, Lin Boshan made a suggestion and took out some money to buy salt factory indicators and salt drying methods with Zhu Pei. Now Lin's ability is not good."

"To be honest, I wanted to fulfill the agreement, but the price was so sky-high, but it was not something that Lin could afford, so I came to ask for advice."

This is also open and honest.

He said bluntly that Lin Bo used part of the family's funds to Zhu Pei, which led to financial shortage.

It also shows that Lin does not intend to pay back the debt, but his family is shallow and he really can't afford it.

He was so heartless that he didn't tell any lies.

When Xiao Wan heard Lin Dong say that it was just that the money was not enough, he smiled disapprovingly and said, "Brother Lin is worried too much. It may be that Lin Bo was kicked out, so he didn't know the result of our discussion yesterday."

"The Grand Governor sent a message. Everyone only had half of his father's money, and others could be borrowed from the Royal Bank of Datang by mortgage loans. Now it seems that the Grand Governor has vision, which is suitable for our shortage of funds."

loan?

Lin Dong smiled bitterly and said, "Old Xiao, if our Lin family borrowed so much money, when will it take to pay back the money? I am really powerless."

I felt a little depressed in my words.

He really wanted to pay it off, but it really didn't have that much money!

How could Lin Dong be unfamiliar with loans?

In fact, many pawn shops and money shops have "loan" businesses.

No one knows the essence of a "loan" better than him.

That's blood sucking!

Knock the bones and suck the marrow, and you will know to squeeze you dry.

You should know that the general private "lending" is for nine out of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of tens of thousands of ten

It is easy to borrow this money, but it is even more difficult to repay it.

If you can’t make money and pay it back, then wait for the family to sell houses and land to lose!

Therefore, when Lin Dong heard the word loan, he looked ugly.

In his opinion, Yang Fan just wanted to suck the blood of the Jiangnan gentry. Who could bear it?

Lin Mo, who was standing beside him, glared: "Old Xiao, is there any reason for this? Yang Fan actually wants us to take out a loan, so why don't we be subject to him in the future?"

Xiao Wan did not stop Lin Mo from getting angry, and he also wanted to see if the Lin family really wanted to pay.

If it was just a talk, then Xiao Wan would definitely not explain the rules for mortgage repayment.

Seeing that the Lin brothers were mainly afraid of the high interest rate, Xiao Wan then said warmly: "You don't have to be too excited, you have not finished your words."

"Borrowing from the Royal Bank of the Tang Dynasty is a countermeasure that our Jiangnan gentry discussed. After all, our bidding price is signed and written in black and white. Even if we fight to the imperial court, we will lose. Don't you refute this?"

Lin Mo's nostrils spewed, speechless.

Lin Dong remained silent.

Indeed, it is reasonable and since you have taken the photo, you have to pay the money, otherwise you will face huge compensation.

If you just say that you don’t have money to pay, you won’t be investigated. There is no such good thing in the world.

Seeing that the Lin brothers also knew how powerful it was, Xiao Wan then explained: "Don't worry, the reason why we agreed to the loan is because the loan from the Tang Dynasty Royal Bank is not nine out of thirteen, and the loan is not paid in one lump sum after the loan, but in installments? The most important thing is that the interest rate is particularly low..."

Lin Dong looks like he is exploring.

Lin Mo snorted angrily, saying, "Yang Fan is so kind? If it weren't for nine out and thirteen, would he repay the loan to us?"

Xiao Wan shook his head and said, "I can't tell whether the Grand Governor is so kind, but it's really not that the nine out of the world and thirteen returns. Don't judge a gentleman's affair with the heart of a villain, and wrongly accused the Grand Governor."

Lin Dong asked, "Old Xiao, what do you mean?"

Xiao Wan said: "It is said that the interest rate for loans from the Royal Bank of Datang is unified, and the interest rate is 6/1,000 per month. It only takes a fixed amount to repay each month and will not change within five years."

Lin Dong suddenly widened his eyes: "Six-thousandth of interest? And it's not a one-time payment?"

Xiao Wan nodded: "That's right!"

He naturally knew why Lin Dong was shocked.

At present, the most popular "Nine Outs and Thirteen Returns" in money shops and pawn shops.

If you borrow 100 coins, the one you get is actually 90 coins, which lasts for one year, and the repayment will be 130 coins when you expire.

In addition, the corresponding interest must be paid, which is generally calculated monthly, about 2%.

If you calculate it inside and out, 100 yuan will be borrowed, which is equivalent to paying about 150 yuan.

This is a perfect loan shark. If it weren't necessary, no one would have borrowed such a loan.

But now, the Tang Dynasty Royal Bank not only does not return nine or thirteen, but also has an interest rate of only six per thousand. Who can believe this?

Lin Mo was obviously unbelievable, raised his eyebrows and asked, "Old Xiao, are you mistaken? Could it be 6% interest?"

Xiao Wan laughed but said nothing, which was confirmed as such interest.
To be continued...