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Chapter 140 Loans and Co-housing


Ma Neng and others were brought to the meeting hall.

Qing Cang asked people to arrange a place for them to sit.

Everyone sat carefully on one side and listened to the discussion of Qing Cang and others.

Qing Cang was sitting at the head table, with about ten people below him, including some new faces.

"Consultant Wu, you must already know the purpose of why I asked these people to come."

Wu Chaojing stepped forward and said: "Commander, during the past few days since you went on the expedition, 1,500 people have entered the city every day.

The houses originally vacated are completely insufficient for habitation, and there are still some dilapidated houses.

I have ordered them to be sealed directly to prevent people from accidentally moving in."

This is a negative impact caused by the explosive growth of population.

If people have no place to live, their happiness will decline, and it may cause another loss of population.

It is not easy to gather these people in Huaxia City, and we must keep them there no matter what.

As the saying goes, development here is people-oriented.

Without people, where would the foundation be?

And there is another very acute problem.

Letting these people live on the streets all year round is also a test for public security.

It is bound to have a direct and huge impact on people's livelihood, which will lead to a decline in public sentiment, and all previous efforts will be in vain.

It is not easy to manage a city, and it is even harder to develop a city.

Now there is a huge problem in front of Qing Cang.

"Then do you have a solution?"

"In the past few days, I have done some research, which is that we can fund the construction of a large number of simple houses for these people to live in, but the cost is too high and the construction period cannot be guaranteed.

Other than that, there is no other way."

The concept put forward by Wu Chaojing is somewhat similar to affordable housing, but in ancient times there were no construction teams.

They were contracted to foremen who then found the construction.

It cost money to build houses in batches, and a lot of manpower and material resources had to be invested.

Speaking of this, Qing Cang remembered that people who buy houses in modern times all use loans.

So, thinking of this, he had a solution.

Of course there is another question, what to do with these new people in a short period of time, but these questions already have answers in Qing Cang's head.

"Maybe we can do this.

Provide loans to people who want to build houses and let them pay them back in ten years.

This way our financial pressure will not be too great, and we only need to provide them with money."

"But this method still costs a lot of money.

It will have an irreversible impact on our finances."

"This is simple, so your trade center and exchange center must be built quickly.

The currency style must be designed quickly.

When we print the money ourselves, the pressure on our finances can be ignored."

Of course, this money cannot be printed indefinitely.

If you print too much, it will depreciate.

"I'm afraid we won't be able to hold on to the day it is completed.

You have to know that 1,500 people come into the city every day, and basically every five people need a house.

Money and silver cannot be sacrificed like this."

Qingcang thought for a while and remembered that modern banks have a review process for lenders, so he followed the bank's approach.

"We release some numbers every seven days, so that people who get these numbers can get the money first and build their own houses.

In this way, there won't be too many people building houses at the same time."

However, the cycle of building a house is too long, and the housing problem cannot be solved in a short time.

At this time, Qingcang thought of a way.

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This is probably the best way he can think of.

"For some new people, we can post notices that those who own a house will be exempted from tax for one year for every two people they admit to live in their home.

In addition, we will be tax-free for three years with no upper limit.

The purpose of this is to The housing problem of these people can be solved in a short time, and at the same time, they can help each other during the busy farming period. " If you have a large house, if you allow 20 people to live in it for one year, it will be tax-free for ten years, and if you live for two years, it will be twenty years.

Who wouldn’t want to do such a good thing?

It is not the best way, but it is the fastest.

This method can at least solve the urgent need.

Wu Chaojing patted his thigh upon hearing this, "This method is good, but it can only solve the problem in a short time, and it still has not solved the long-term housing problem."

"In conjunction with the loan just mentioned, this loan has no interest.

If the owner of the newly built house takes in four more people and keeps them for a year, half of the payment for this year will be directly deducted.

This encourages them to share and live in After twenty years, give them a house directly.

I think everyone is willing to do this.

Twenty years should be enough time to build a new house.”

Wu Chaojing praised: "The method is very good.

The commander is indeed a person from an advanced era.

His way of thinking is not comparable to those of us."

"Another point is that if people are unwilling to live with others, the loans must be registered and managed by dedicated personnel, and they cannot be allowed to default.

Anyone who defaults for one year will have their house confiscated directly."

It's not that Qingcang doesn't trust them, but that being comfortable will make everyone lazy, and people will think that they don't have to pay back the money from the loan.

If this continues, it will inevitably have a negative impact.

These problems must be thought of in advance, and those that can be eliminated can be eliminated immediately.

Don't be caught off guard later.

Sometimes when you think of ways to deal with them, it's too late.

"Ma Neng, what do you think?"

Qing Cang asked, all this has to be considered feasible by people before it is feasible.

Ma Neng was flattered.

Facing the huge formation, he was trembling a little, but he still expressed his opinion.

"The city lord's method is very good, but how to determine the quota and who comes first?"

He asked the key question, which was how to deal with it fairly and justly.

"There are several latitudes for ranking.

First, the first comer has priority.

Second, the larger the number of laborers in a family, the higher the priority.

Third, the elder with a certain skill has priority.

Fourth, someone in the family enters China.

Fourth, members of the Legion can also enjoy the repayment exemption in the first year, which is a reward for their contribution.”

Qingcang made several points in succession, all of which were important and absolutely fair and just.

He spoke so eloquently that people were convinced and couldn't find any reason to refute.

As for why he raised these four points, it makes sense.

First comer is a recognition of those who arrive first, and those with a large labor force can create more value for Huaxia City, so there is no reason not to give them priority.

The third point is the importance of talents.

We are all farmers.

If a blacksmith comes, they should come first.

After all, they make weapons and the like.

The fourth point is to encourage people to join the Chinese Legion.

It is said that joining the army is an honor, but it does not make the life of his military family members too bad.

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"We are very satisfied with the City Lord's plan."

Now, when everyone heard this, they felt very satisfied and stood up to express their opinions.

"In that case, Staff Officer Wu would like to ask you to implement it starting tomorrow."

"Yes, I will sort out the Commander's plan today and announce the details tomorrow."

I believe that the announcement of this plan will fundamentally solve the housing problem.

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