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Chapter 1330 Equal Principal and Interest


A penny for a bowl of tea, two dollars for a horse's silk.

The tea bowls were all celadon bowls, and the common people wore silk.

The soldiers defending the city were paid ten horses of silk a month, and the fine plate armor and weapons were all provided by the imperial court.

Clovis suddenly had an idea, just stay in Datang, stay in Hanjing and live, don't go back.

What's good in the Franks, what's good in Paris.

The streets of Paris are nothing good except for mud and beggars.

I eat stinky salted fish, stinky cured meat, and I eat less fresh meat.

Everyone didn't even take a bath because of the great plague that year, and the sperm powder sprayed perfume, but in fact, the body was very dirty.

Looking at the Tang Dynasty, although there are many cars and horses on the street, you can't see the feces scattered everywhere, and you can't see flies and insects flying around.

Every 100 steps on the street, there must be a public toilet, and even every 10 or so steps, there will be a garbage can.

There are special people who clean the streets, direct traffic, and clean the toilets.

There are even many public bathhouses, which have hot water throughout the day in winter.

I can't imagine.

The streets are so wide, there are so many pedestrians, and yet so orderly.

Everyone was neat and beautiful, and their faces were full of confidence and contentment.

In an ordinary restaurant facing the street in Hanjing City, I ordered a few dishes, and each dish only cost 10 to 15 yuan.

After it was served, it was so full of color and fragrance that he almost bit off his tongue when he tasted it.

Boiled fish fillet, only fifteen yuan a piece, so spicy and fragrant, the fish meat is cut so thin, it melts in the mouth.

The red oil, the fiery dried chili peppers, and the numb peppercorns made his mouth explode, but he couldn't stop at all.

And that fried steak.

Oh my God, so tender and juicy, as a prince of the Franks, he was so embarrassed, really, he had never eaten such a delicious steak.

Although he had also eaten steak made of black pepper in the palace, it tasted completely different from this one.

Even this small river mussel soup is so fresh.

That little rape is so green that I can't bear to eat it.

The steamed buns are big and white, fluffy and soft, and when you take a bite, they are extremely soft.

It's a world different from their hard bread.

The bread they usually eat can be used as weapons, and I really don't know how the Tang people made this magical round bread.

A meal comes with a pot of tea.

Look at the plates of other people's dishes, they are all silver.

Real silver, silver plates, silver forks, silver chopsticks.

The teapot is also that beautiful porcelain.

In this shop, the decoration is so tasteful, and there is no messy noise when eating in the store.

It was better than the royal banquets in the Frankish court, and these guests were more polite than the Frankish ministers and nobles.

As soon as the meal was settled, the eight of them ordered a table of dishes, and in the end it was only 160 yuan, an average of 20 yuan per person, and the hotel also gave them a pot of tea, a plate of fruit, and a newspaper.

"This newspaper doesn't want money" "It's given to guests for free."

"Can I take it?"

"Absolutely."

A thick stack of newspapers, folded like a book, full of words and pictures.

Prince Clovis once again marveled that in Europe, only a very small number of people are literate.

Even many knights, illiterate.

Paper and books are very expensive.

And Datang can actually print all kinds of new things on paper and sell, and the restaurant even gives them away.

Such a thick newspaper is actually only two pennies He ate a dish for ten cents.

"Because their newspaper doesn't make money by selling newspapers, they make money by selling advertisements."

The translator thought about it, took a little effort, and finally explained that the newspaper made money from advertising.

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"How can it still be like this, genius, how much can this newspaper sell?"

"This is Banyuetan, Datang's best-selling newspaper with the greatest influence, and now it is published once a day, with sales reaching tens of thousands of copies.

It is said that this newspaper can be seen from every angle of Datang.

His advertising space is also the most expensive, and if you want to advertise on it, not only is the price high, but the content also has to be reviewed by them, if the content is not true or unhealthy, no matter how much money you spend, you can't go up. ” "Even the emperor of the Tang Dynasty reads this newspaper every day."

Clovis exclaimed, "It's such a magical country. ” "I literally buy everything."

Cabinet Yamen.

The Roman prince Heracronas took out a thick purchase order and handed it to Zhang Chao.

Warships, merchant ships, plate armor, chain mail, Tang knives, Tang bows and even arrows.

Behind all kinds of weapons and equipment, there are also a large number of commercial goods, silk, tea, porcelain, sugar, wine, paper, simply everything.

Such a large purchase order even moved Zhang Chao.

The prince has such a big appetite.

The total price has exceeded 30 million yuan, which is equivalent to 300,000 gold ingots.

If the exchange rate between gold ingots and Sorida is directly 1:8, it is also a large order of 2.4 million gold coins.

Rome only earns 18 million gold coins a year, and most of these revenues are actually taxes in kind, so they pay 2.4 million solidas in cash, and it is estimated that they will not be able to take them out.

"What does His Royal Highness the Prince plan to pay for?"

Zhang Chao doesn't mind selling him everything the prince wants to buy, but you have to pay for it.

The prince smiled, "We really can't afford to pay in a lump sum, I hope we can owe it temporarily and repay it in installments." ” "No, no, no."

Zhang Chao shook his head.

Of course, such credit will not work.

"King Zhao, we are very sincere, and we promise to repay all the payments."

"Your Royal Highness, it's not that I don't want to, it's just that this way is not very reasonable.

Such a large amount of material payment has to be owed with interest. ” "We're willing to pay interest" Zhang Chao smiled, "In this way, the four major banks of Datang will jointly borrow money from Rome and agree on the interest."

Repay the principal on time, how" The prince smiled, borrowed money from Datang's bank, and then paid for the ordnance and goods purchased from Datang, which was of course good.

As for the interest, he felt it was reasonable.

"According to the rules of the bank, generally such a large amount of money must be secured.

What is the prince going to use as a mortgage?"

The "mortgage" prince was stunned, he really didn't expect this.

"Can't you guarantee the friendly relationship between Datang and Rome?"

"Your Highness, the bank is privately owned."

Among the four major banks, Minsheng Bank is state-owned, while the other three are privately owned.

As for the central bank, that's the central bank, not the commercial bank.

The bank loan must be interested, and it must be guaranteed, after all, such a large loan.

"For a loan of 30 million yuan, I will give you a ten-year equal repayment of principal and interest in installments, in 120 installments, one month and one month. 8% per annum, how" The Roman prince was not very clear about this installment.

"If you repay one month for ten years, how much interest will you pay in January?"

Zhang Chao smiled, "I'll calculate this for you."

At the rate of 8% per annum, equal principal and interest, the total repayment for 10 years is 43,677,933.97 percent.

The total interest is 13,677,933.97 and the monthly repayment is 363,982.78 percent.

Repay it in 120 months, and the pressure is not very great. ” "In Sorida it is more than 29,000 points per month, less than 30,000 Sorida gold coins."

Borrow 30 million, 13.6 million yuan in interest for ten years.

Definitely not high.

Private loans are a few points better at every turn, and even nine out of thirteen, donkeys rolling.

The imperial court has issued regulations again and again that the annual interest rate of private loans shall not exceed three cents, and the interest shall not exceed the principal.

The people are legally divided into three profits, and Zhang Chao only gives the prince an annual interest of eight percent.

"However, the mortgage still has to be asked, so it is better to use the tariff as collateral or directly mortgage the Suez Canal to Datang, and repay the canal tariff collected.

When will it be paid off, and the canal will be handed back to Rome" This canal is still in the hands of the Romans, and in order to protect the canal route, the Romans even asked the Tang Dynasty to send troops to recapture the Sinai Peninsula, and agreed to give the peninsula to the Tang Dynasty forever.

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It's just that now the peninsula is still Arab.

"We can think about this."

The prince said.

"Absolutely, we have one last request.

It is the tariff issue of Datang merchant ships in Rome, and we hope that the trade between Datang and Rome will agree on the same tariff figure.

Datang levied a 10 percent tariff on incoming and outgoing foreign merchant ships, so we hope that in the future, Datang merchant ships will only pay 10 percent tariffs in Rome. ” "In addition, I hope to cancel the taxes and fees of various head cards and pay the customs duties only once."

Compared with the relatively stable tariffs of Datang and the fact that there are no arbitrary charges, the situation in Rome is very different.

There are a lot of checkpoints, and the taxes are heavy.

The merchant ships of the Tang Dynasty used to go back and forth, and they had to pay a lot of taxes.

Zhang Chao hoped that the two families would agree on a common tariff, and the prince was a little embarrassed.

The tariff agreement and the canal mortgage trusteeship were the conditions of Zhang Chao's loan to Rome.

As long as Rome agreed to these two items, the Tang Dynasty immediately lent them money, and the money would be used to pay for all ordnance, equipment and goods.

When the Roman prince returns, he will be able to take the first batch of goods with him.

Even later, the Tang Dynasty could continue to sell armaments for Rome.

"Your Royal Highness, eight percent interest is already very favorable.

Moreover, these warships, weapons and armor are quite large.

If it weren't for our very friendly relationship, Datang would not have been able to sell so many ordnance to you and give such a favorable price. ” "Let's get back to it."

"Yes, I will wait for His Royal Highness the Prince's reply."

"Can you recover such a large amount of money?"

asked the eldest grandson Wuji.

"So we want them to use the canal as collateral, the canal is in hand, and we can collect customs duties."

"Relying on the canal tariff, when will more than 40 million guan be recovered" "It's just a mortgage, and the Romans can still afford to pay it back.

Moreover, if we can take this opportunity to reach a tariff agreement with Rome, it will greatly promote Datang's export trade. ” Besides, this loan did not fall directly into the hands of the Romans, but turned to pay for the Datang order.

The money fell into the hands of Datang, 30 million armaments, what is the actual cost of ten years, and more than 10 million interest, and also set up a canal trusteeship and tariff rights, if there is another tariff agreement, Datang will make more money. t1706231537: