Chapter 61 Mutual Aid Fund

o took Xiao Qi, Xiao Ba, and Xiao Jiu out of the village.Koushan Village is surrounded by mountains on two sides. Behind it is a bare, rocky mountain, while in front of it lies a lush primeval forest....Yang Lin finished speaking, but the villagers were all stunned.

Mortgage

They haven't heard of it.

Let me explain it simply. For example, if Mrs. Lin's family of four wants to build a three-room brick house, they only need to pay four thousand wen.

"Lin's family could only come up with 400 wen. That's when you can borrow 3,600 wen from the house-building fund."

"We charge one point in interest, and Lin's mother can choose to borrow for ten, twenty, or even thirty years."

For example, if Aunt Lin chose a 20-year loan, then we add up the principal and interest over those 20 years and divide it evenly over 24 months. The result is that the monthly mortgage repayment would be around forty coins. That's all there is to it.

Yang Lin shrugged.

Although the villagers were still bewildered, upon hearing that they only needed to repay forty wen a month to live in brick houses, they were instantly delighted.

"Forty coins, that's not much."

"Yes, yes, doing work for Yang Lin, you can earn one hundred and fifty coins a month, forty coins, it's not much at all."

But my family of eight, if we follow Yang Lin's calculations, wouldn't we have to repay eighty coins every month That's a lot! I'm afraid we can't afford it!

Some villagers with large families nodded in agreement.

Yang Lin smiled and said, “Uncle Sannwang, eighty wen per day doesn’t seem like much. But have you considered that in your family of eight, besides my two nephews and your old father, there are five able-bodied people who can work and earn money If they all worked for me, at the end of the month, you’d earn a total of 750 wen!”

"Take another look, eighty wen, is there any more"

"I, I can earn seven hundred and fifty wen a month That's so much"

Zhao Sanshang swallowed nervously, momentarily stunned.

When the villagers heard 750 coins, they were both surprised and envious.

"Oh, Zhao Sanwang, what are you complaining about Yang Lin is right. Your family is so wealthy; eighty wen isn't much at all."

"That's right, it's different from my family. We have five people, but three of them can't do any work. Oh well!"

"Zhao Sanwang's family is going to be rich from now on!"

Although the villagers may not be sensitive to numbers, the difference between seven hundred and fifty wen and eighty wen is still very clear.

Zhaosan Wang grinned and scratched his head.

He himself doesn't even know, his family is this wealthy

Yang Lin continued, “There are two more points that you may not have considered.”

First, the amount of money paid by each household is different, and the size of the house they receive will also be different.

For example, just like Mr. San Wang, his family of eight people, although they paid more than Mrs. Lin's family, the house they got was also twice as big as Mrs. Lin's!

The villagers then suddenly understood.

"That's right, pay more money, and the house will be bigger!"

"Sī Wàng, you got a good deal."

"Yes, yes, the more people in a family, the bigger the advantage they get!"

Yang Lin continued, "For example, if Uncle San Wang doesn't want an eight-person house, we can also pay according to a four-person household, but then we can only get a four-person house."

"Also, right now everyone feels that 40 wen and 80 wen seem like a lot, but have you all ever thought about this For the work I do, I often raise wages, you see"

For example, if it's five cash per day now, in the future it might be ten cash per day, or even more!

As soon as he said that, the villagers nodded their heads in agreement, their eyes shining with excitement.

And Li Yuyao became even more certain that this wasn't as simple as it seemed! She thought of a few things, but hadn't figured them all out yet. She planned to ask Yang Lin for clarification later.

"We should look at things from a developmental perspective, and our vision cannot be limited to the present!"

"Right now, a lot of people probably feel that buying a house... no, I mean building a new house, is a very difficult thing to do. They'd say they can't do it, they can't afford it... But that's not right!"

Even if we don't think about ourselves, shouldn't we think about our descendants

"Our generation has grown accustomed to poverty. We eat poorly, wear insufficient clothing, and live in leaky thatched huts. Do we really want our children and grandchildren to live the same way"

"No!"

As long as we dare to dream, dare to do, and dare to fight! As long as we strive and struggle, everything we want will be ours!

Fellow villagers! Everything I, Yang Lin, have done is for nothing in terms of fame or fortune! It's all for the sake of our Gaoshan Village, so it can develop better! Everyone can eat well and dress warmly, and every household will have a large tiled house!

"With all this accomplished, I, Yang Lin, have no regrets in my lifetime!"

Saying that, Yang Lin bowed deeply to everyone in the village, then jumped down from the large stone.

"Good!"

Zhao Fuguai led the applause.

Thunderous applause erupted immediately.

Many villagers were moved by Yang Lin's words, their eyes welling up with tears and clapping excitedly. They seemed to have glimpsed the future, a future filled with hope.

"I want to build a house!"

"I want to build a new house!"

"In this lifetime, we've endured hardship and suffering, but we absolutely cannot let our children suffer as well!"

"Yeah, it won't cost much anyway. Yang Lin gave us so much money, we have to build this house!"

The villagers had even forgotten about the upcoming pork feast. All they could think about was their houses!

Even Yang Lin's women were infected by Yang Lin's words at this moment, and they excitedly clapped along, but they didn't notice that Yang Lin had already circled around from behind and left.

Not far away, at the edge of a small grove of trees, Yang Lin sat on a large stone, gazing at the lush green forest, lost in thought. The surrounding area was devoid of the villagers' usual hustle and bustle, and only the rustling of leaves in the wind remained.

"How did you get here"

A calm female voice came from behind.

Yang Lin didn't need to turn around to know who was coming.

"My lady."

Yang Lin patted the stone beside him, signaling Li Yuyao to sit down.

Li Yuxi hesitated for a moment, but still sat down.

"What's wrong with you"

Li Yuxiang noticed Yang Lin's expression, and something didn't seem right.

But before Yang Lin could speak, Li Yuyao asked, "Is it because you just tricked them again and felt guilty"

Yang Lin looked up, surprised, and stared at Li Yuyao: "You've improved again. You not only truly understand the meaning of 'routine', but you also saw through that I was scheming."

"I've learned from you," Li Yuxiang said faintly. "Although I understand the tricks now, according to you, what I understand is not deep enough... So even though I know you are tricking them and have figured out some things, there are still some key points I don't quite understand."

"Well then, what do you think" Yang Lin raised his chin, gesturing for Li Yuyao to speak.

Li Yuxiang opened her mouth and said, "Let me share my understanding first."

"Firstly, your mutual aid fund of 500 taels of silver, although ostensibly meant to help everyone, as long as you collect interest, it can create profits for you. It can help people, but it can also make money for you!"

"Wasn't I right" repay it quickly. Just make sure the old debts are paid off before taking out a new loan!""Did everyone understand"Zhao Fuguang smiled broadly at the villagers.This matter was also discussed by Yang...