In the middle of the night in late autumn, all is silent, and the young Kuang Superman in Liucun, Yueqing County, Zhejiang Province is reading at night. Suddenly, he heard a voice outside the door, and dozens of people were shouting. In an instant, hundreds of people shouted together and enough paper turned red. He shouted, "Oh, no!" I opened the door to see that the village was on fire. The whole family ran out together and said, "No, let's go!" The rotors are already ten feet high, rolling into the yard one by one. When the villagers fled to the rice fields, all the houses in the village were burned to the ground.
-this is a typical example of Jiangnan folk houses being afraid of fire.
Today, however, we don't care about how to prevent fire in Jiangnan dwellings, but want to use the above example to talk about buying a house with loans in Qing Dynasty.
Just say that Kuang's house was burned down and there was no place to live, so I had to find someone to rent a house at the intersection of Nancun and move in. After that, I went to Kuang Superman to study, go out for a long trip, get married and have children, and take part in work. Until the end of his story, Kuang still lived in that small house, and did not rebuild his home like other villagers, let alone buy a house in a big city. The reason is simple: their family has no money, can't afford to build a house, and can't afford to buy a house.
Now, the Kwong family can buy a house and move into a new house in any city in China as long as they can pay a down payment of 30% to 40%. If the housing price in big cities is too high, you can settle for the second best and buy a house in the suburbs or small cities. Unfortunately, The Scholars tells the story of the Ming Dynasty and describes the life of the Qing Dynasty. No matter in Ming Dynasty or Qing Dynasty, there were no banks operating housing loans.
Banks do not engage in mortgages, which does not mean that there is no hope of buying a house with loans. In fact, there are other ways for the Kuang family to go, such as borrowing usury or borrowing interest-free loans.
Suppose Kuang Jia wants to buy a house with three bedrooms and five courtyards in a small and medium-sized city, and the asking price is 620. The whole family collected 22 taels of iron from the cauldron, and borrowed the rest from the printing bureau. The loan sharks of India Bureau are short and long, ranging from half a year to one day, with interest ranging from 8% to 100%. As long as Kuang Jia is willing to bear the high interest rate of 100%, he can immediately borrow forty taels of silver to pay the rest of the house price.
But after all, such loans are too bad, with high interest and short time. During the period, it was probably that Superman Kuang kept killing pig grinding bean curd, and his brother Kuang kept selling sugar people. Even Kuang Torre, who is ill in bed, should give full play to the waste heat, put eggs under * * * every day and try to hatch a nest of chickens to sell, so that it is possible to pay off the loan. In that case, I'm afraid the scholar will be renamed as a house slave scholar.
Let's find another way to get Kuang's family to the loan bureau. In the Jiangnan area in the late Qing Dynasty, there were many loan bureaus set up by officials and wealthy businessmen to provide short-term economic assistance to the poor, specifically to provide interest-free loans. According to the procedure, Kuang Jia should apply to the local loan bureau in Yueqing, and then the loan bureau will send someone to investigate and prove that they are really poor before giving them a loan.
The problem is that in the loan bureau, you can only borrow 5000 yuan at most. In the Qing Dynasty, money was cheap and silver was expensive. Once 1700 yuan exchanged one or two taels of silver, but there was still a gap of 42 taels in Kuangjia. This interest-free loan is simply not enough. In order to pay the full amount, I believe Kuang will make a lot of false certificates and apply to dozens of loan bureaus at the same time, just like farmers who apply for unsecured micro-loans forge a bunch of ID cards today.