Chapter 27: Credit terms

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When he returned to his shop, Zhang Hao sat down and began to gasp.
Master Zhang Hao was scared, and the first meeting with the princess was all intrigue.
The novels are deceiving, saying what to meet the princess, and then interpreting a beautiful legend. I don't believe it anymore.
Zhang Shengde smiled: "How about, the city owner didn't embarrass you."
"Yeah, the city owner is not embarrassed, but the princess does not speak well."
"Princess?" Zhang Shengde was surprised. The princess had arrived?
"Well. The princess said that she had been in Ninghe County for three days and she knew us well."
With that said, Zhang Hao gave a detailed account of his meeting with the princess; in particular, suggestions for ocean exploration.
Zhang Shengde thought deeply: "It seems that we have already attracted the attention of the royal family. Xiaohao, you said we should hide, or keep the status quo?"
"I think the steps can be made bigger!" Zhang Hao's words are full of pride, "Dad, I still think that we should speed up the exploration to the sea.
Although it is said that the Green Sea of ​​death is dangerous and no one has ever explored it, at least we have not failed.
In contrast, Dongzheng seems promising, but how could it ever be a real victory! "
Zhang Shengde frowned: "Xiaohao, you have been observing the death green sea these days. Do you think we can really survive the death green sea?"
We don’t talk about storms, waves, or disorientation. Just the endless and powerful sea monsters are enough to become a restricted zone. "
Zhang Hao didn't speak anymore. It's too late to mention it. To mention a little today, tomorrow, and the day after tomorrow, maybe it's a confession.
So Zhang Hao immediately changed the subject and talked about credit.
Zhang Shengde nodded: "I agree with this matter. You have completed the credit plan first. I will go home with your brother first and send the remaining black iron."
Zhang Shengde and Zhang Han set off with the team. This time, hundreds of carriages were hired from the county town, and they left the city with great might.
Zhang Hao sat at the door, leaning on the 300 tons of black iron, and began to conceive of the "credit plan."
On the street, someone probed from time to time; sometimes he looked at Zhang Hao and immediately gave a brilliant but awkward smile.
Zhang Hao pouted, and still have a little impression of these people. Many people saw it at the trading desk ten days ago.
As for the reason why these people came here to "peep", Zhang Hao also vaguely guessed.
The reason is the black iron forging technology that was published ten days ago.
As Zhang Hao expected, the disclosure of black iron forging technology made those families and businesses who wanted to intervene in black iron forging but had no technology finally found an opportunity.
Most of these newly-increased businesses and families are strong. They are dedicated to developing markets and naturally engage in low-cost promotion strategies.
So in the past ten days, the iron market in Ninghe County has undergone interesting changes:
The quality of black iron continues to improve, but the price of black iron cannot rise.
As a result, many small and medium-sized black iron businesses, families, etc., obviously got new technologies, but they could not sustain it.
With the new technology, it has declined. This wonderful result has left countless people sad.
They are difficult to understand!
Naturally, at this time, everyone thought of the Zhang family, Zhang Hao, and the boy of ten days ago.
However, Master Zhang Hao sat firmly on the Diaoyutai, did not panic and hurry, gave everyone a smile, and then... bowed his head and continued to write his "credit plan".
The sun climbed up into the sky a little bit, and the enthusiastic sun made the leaves shy and made people hide and yawn in the shade.
Although it is self-cultivation, it does not mean that it really likes to bask in the sun.
Except for a few special exercises, who doesn't want to make himself more comfortable.
The sound of a heavy carriage wriggled, and more than two hundred carriages extended to the end of the road, causing everyone to watch.
"Master Zhang."
"Zhang Daoyou."
...
Zhang Shengde looked at the enthusiastic people around with doubt, what's wrong?
When he came to the store and saw Zhang Hao lying on the table and yawning, Zhang Shengde directed everyone to move Xuan Tie into the house.
Eight hundred tons of black iron, almost filling the space on the first floor, Zhang Hao only yawned and climbed to the second floor, fell asleep.
From last night to now, there is no good rest, and there is a fight with a princess who wants to fish in the middle.
Zhang Hao fell asleep on his stomach, but Zhang Shengde pulled the "Credit Plan" from Zhang Hao's arm and looked.
Looking at it, Zhang Shengde was a little shocked;
Perhaps the only shortcoming is that individual terms are too idealized. Zhang Shengde sat down and reviewed them one by one.
As night fell quietly, more and more people gathered in front of the Zhangjia store. Everyone wanted to enter, but they dared not.
"Hey, borrow it!" A cry broke the silence. Zheng Changqiu took the lead and squeezed away the crowd and entered the shop of Zhang Family with curiosity and doubt.
Then, he was shocked.
But seeing the 800-ton standard black iron, the entire first floor was packed, and there was only a passage about four feet wide, leading to the stairs upstairs.
Zheng Changqiu stupidly walked up the stairs, and saw what Zhang Shengde and Zhang Hao were discussing, beside Zhang Han was meditating and practicing.
Seeing Zheng Changqiu coming, Zhang Shengde got up and greeted him.
After a while, the rest came gradually, but Zhang Shengde pulled Zhang Hao over.
Zhang Hao is also polite, heading straight to the subject and talking about the credit plan.
Everyone had a fierce discussion, and the bargaining room was extremely fierce. Even Mei Qianyun, the fairy, rolled up her sleeves-there is a decimal point wrong in the current terms, and the future may be related to millions of spirit stones!
Everyone is buying, but they are quite sensitive to numbers.
The intense discussion continued until late at night. In the end, even the manager of Yeyuelou and Bai Ye joined the discussion group excitedly.
When the fish belly became white in the East, Zhang Hao finally let out a long breath, and everyone signed the "Credit Terms".
The terms provide:
First, pay at least one tenth of the price of the goods; and once the transaction is concluded, it cannot be cancelled.
Second, interest is accumulatively accrued, with natural months as the unit of calculation. No interest is calculated within the first month of the transaction; starting from the second month, the monthly interest increases by one-thousandth, and the method of profit rolls.
Thirdly, at least one tenth of the total value must be repaid each month, plus the interest of the month, that is, it must be repaid within nine months.
Fourthly, important representatives who are above the Jindan period must swear and apply for collateral. The value of the collateral must be higher than the value of the goods. Before the mortgage is paid off, the Zhang family and the mortgagee will take care of it temporarily. The mortgagee is responsible for security issues.
Once the credit is not repayable, the creditor has the right to deal with the collateral.
Fifth, the price at the time of credit purchase is fixed, no matter whether the price will increase or decrease in the future, no changes will be made.
Sixth, if payment must be made in kind, the creditor has the right to choose or refuse.
Seventh, this clause has wide adaptability; in short, all the signatures on it today are within the scope of application, and everyone supervises each other. If you want to join this circle in the future, you must obtain the unanimous approval of everyone.
For the remaining details, there are more than three hundred densely packed, which can be called small and small.
One clause used a full roll of hemp paper, which was filled with large and small text.
It was determined that there was no problem. The "Credit Terms" was transcribed more than ten times, and the Zhang family's guards were busy until noon.
Finally, everyone has a copy, which is signed and stamped by everyone. Even, Zhu Yuantang also brought the city's personal seal.
The original original document is left on the Zhang family's side, and is pasted up.
Put away the terms, Zheng Changqiu and others smiled at each other.
And Zhang Hao smiled brilliantly.
This clause is of great significance.
First of all, it has greatly revitalized the wealth of all parties-some real estate has been mortgaged to become working capital. This alone is of great significance.
Second, it formed an alliance of interests. In other words, it is the prototype of an alliance of interests.
Finally, Zhang's social status has been greatly improved.
At this point, the value is incalculable.
From now on, the Zhang family is no longer a small family!
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