Chapter 61 Mutual Aid Fund

stones and water, beat it outLooking at Yang Lin again, her gaze was filled with surprise and deep curiosity.This scholar has some talent.Yang Lin offered some more for the villagers to taste.Everyon...Yang Lin finished speaking, but the villagers were all stunned.

Mortgage

They have never heard of it.

"Let me explain simply. For example, if Aunt Lin's family of four wants to build a three-room brick house, they would only need to pay 4,000 wen."

"If Lin's family can only come up with 400 wen, you can then borrow 3600 wen from the house-building fund."

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

For example, if Aunt Lin chose a 20-year loan, we would add up the principal and interest over those 20 years and then divide that total by 24 months to calculate the average monthly mortgage repayment. The result would be approximately forty wen per month. It's that simple.

Yang Lin shrugged.

Though the villagers were still confused, hearing that they only needed to repay forty wen a month to live in brick houses, they were suddenly delighted.

"Forty coins, that's not much,"

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

"But our family of eight, if we follow Yang Lin's calculation, wouldn't we have to pay back eighty wen every month That's a lot! I'm afraid I can't afford it!"

Some villagers with large families nodded in agreement.

Yang Lin smiled: "Uncle San Wang, eighty wen a day doesn't seem like much. But have you considered that your family of eight has five people who can work and earn money besides my two nephews and your grandfather If they all worked for me, they would earn seven hundred and fifty wen a month!"

"Look again, eighty words, is there any more"

Zhao Sanwang was a little dumbfounded for a moment.

“I, I can earn seven hundred and fifty coins a month That’s so much”

Zhao Sanswang swallowed nervously, momentarily stunned.

When the villagers heard seven hundred fifty wen, they were both amazed 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, unlike my family, we have five members, but only two can actually do work. Oh well!"

"Zhao Sanwang's family is going to get rich!"

Although the villagers might not be good with numbers, the difference between seven hundred and fifty wen and eighty wen is still very clear to them.

Zhao Sanwang grinned sheepishly and scratched his head.

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

"There are two more points that you may not have considered."

First, the amount of money paid and the size of the house allocated will differ depending on each household.

For example, just like Uncle Sanwang, his family of eight, even though they paid more than Aunt Lin's family, the house they got was twice as big as Aunt Lin's!

The villagers then came to understand.

“Yeah, pay more, and you get a bigger house!”

"Sīwàng, you got a good deal."

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

Yang Lin continued, "For example, if Uncle Sannwang doesn't want an 8-person house, we can pay according to a 4-person household. However, at that time, we can only get a 4-person house."

"Also, everyone feels that forty wen and eighty wen seem like a lot now, but have you all ever thought about this In my line of work, I often raise wages."

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

As soon as these words were spoken, the villagers nodded in agreement, their eyes shining with excitement.

While Li Yuyao became even more certain that this matter wasn't as simple as it seemed! She had a few thoughts, but hadn't figured everything out yet. She planned to ask Yang Lin for clarification later.

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

Right now, many people probably feel that buying a house… no, I mean building a new house, is a very difficult thing. They think they can’t do it, they can’t afford it... But that's wrong!

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

“Our generation has been poor for so long, we're afraid of getting rich. We haven't eaten well, haven't dressed warmly, and lived in leaky thatched houses. Are we going to let your children and grandchildren live the same way”

"No!"

As long as we dare to think, 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 not for fame or fortune! It's all for our Laoshān Village to have a better future! So everyone can eat their fill, dress warmly, and every household has a spacious house with tiled roofs!

"With all this accomplished, Yang Lin has no regrets in his lifetime!"

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

"Good!"

Zhao Fuguai led the applause.

Thunderous applause erupted immediately.

Many villagers were infected by Yang Lin's words, excitedly crying and clapping frantically, as if they had seen the future and hope.

"I want to build a house!"

"I want to build a new house!"

"We've suffered a lot in our lifetime, but we absolutely can't let our children suffer anymore!"

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

The villagers had even forgotten about the upcoming pork feast, all they could think about were houses!

Even Yang Lin's women were infected by Yang Lin's words at this moment, and they excitedly clapped along. However, they didn't notice that Yang Lin had already slipped away from the back.

Not far away, at the edge of a small grove of trees, Yang Lin sat on a large stone, gazing at the emerald green forest in contemplation. The bustle of the villagers had disappeared, leaving only the rustling of leaves in the wind.

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, motioning for Li Yuyao to sit down.

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

"What's wrong with you"

Li Yuxiang saw Yang Lin's expression and felt something was amiss.

But before Yang Lin could speak, Li Yuyao asked, "Is it because you just played them again, and you feel a little guilty"

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

"I learned from you," Li Yuxiang said calmly. "Although I understand the tricks now, as you said, the tricks I understand are not... deep enough! So even though I know you're playing tricks on them and have figured out some things, there are still some key points I don't quite get."

"Go ahead, tell us," Yang Lin said, raising his chin to indicate that Li Yuyao should speak.

Li Yuyao opened her mouth and said, "Let me share what I understand first."

"First of all, that mutual aid fund of yours worth 500 taels of silver, although it's nominally for helping people, as long as you collect interest, it can create profits for you. It can help people, but it can also make money for you!"

"Am I right"the villagers immediately fell silent and looked expectantly at Yang Lin standing on the large stone.Yang Lin smiled and said, "Brothers and sisters, uncles and aunts, welcome everyone to come to the...