Pawn Crossing the River

In the eyes of many people from the Taoist sect, Qi Xuansu is already the fourth best figure in the Taoist sect and one of the candidates for the future deputy head master Da Zhenren. What is this outstanding Taoist sect handsome man doing?

Of course, I am not worrying about national affairs, nor am I concerned about the overall situation of the world, but I am worrying about my own life-long affairs.

To be more specific, it’s about buying a house.

To start a family, to start a family, you must have a family.

Home is not just a person, but also a more specific house.

From this comes a very clear logical chain, that is, buy a house first before getting married.

Qi Xuansu has a house, which is located in his former residence in Haichanfang. It's not that Zhang Yuelu dislikes the poor and loves the rich. The key to getting married is not a matter of two people, but a matter of two families. In front of the Zhang family, it is really a bit difficult to deal with.

What’s more, they all say that a newlywed is like a new person, so the house is naturally new, and the old house is not suitable.

Although strictly speaking, the houses in Yujing have a history of hundreds of years, and even the chief master and deputy master actually live in old houses that others have already lived in, but in most people's perception, newly bought houses It's just new, maybe it will need to be refurbished.

Ever since, this question was really put in front of Qi Xuansu.

Qi Xuansu's current income is quite high, with an income of about 10,000 Taiping a year. In the past, he would not have dared to think about it. You must know that he only spent 200 Taiping when he followed Sun Yongfeng's path.

But even so, buying a house in Yujing is not a simple matter.

Yujing is no different from other places. It is the ancestral home of the Taoist sect. Generally speaking, no one can really buy a house in Yujing. Because nominally, all the houses and palaces in Yujing are owned by Dao Sect, and Tianji Hall among the nine halls is responsible for it.

This is somewhat similar to the "one field with two owners" in the secular world. A piece of land can be divided into the bottom of the field and the surface of the field. The bottom of the field and the surface of the field are held by two people respectively. The bottom of the field and the surface of the field are two parts that do not interfere with each other and can be bought, sold, pawned, and given as gifts at will.

The holder of the field cannot cultivate it and can only collect rent. If he wants to cultivate it himself, he must buy back the field surface from others. The holder of the land can cultivate it, but has to pay rent. At the same time, he can buy, sell, and transfer the land at will, and even build houses and graves on the land, and the land holders have no right to interfere. If the land holder owes rent, the land holder can find ways to collect the debt and use other things to pay off the debt, but he cannot evict people from the land unless the land holder sells the land himself. This is one field and two owners. .

In the same way, the residents of Yujing do not have ownership of their houses. Including Da Zhenren, they only have the right to use and not have all the rights. Therefore, everyone rents, but the lease period is very long, and the longest can be as long as a hundred years. Taoist priests This kind of leasing for hundreds of years is habitually called buying a house.

Qi Xuansu's purchase of a house is actually a lease, but considering that he and Zhang Yuelu are very young, it will take a hundred years to complete the purchase, which is not a small sum.

If that's all it is, then that's it. Qi Xuansu's master originally rented a small courtyard in Haichanfang, spending 1,000 yuan in Taiping money, and the lease term was twenty years. One hundred years is five thousand yuan of peace money, which is equivalent to half a year's income of Qi Xuansu. It is not a big deal at all.

But Qi Xuansu couldn't continue living in Haichanfang.

The first is the location issue. It is not unreasonable for Haichanfang’s house prices to be so cheap. The main reason is that the location is not good. It is far away from Taiqing City, even further away from Xuandu, and it is not even close to the Feizhou Port outside. It is not close to either side. Depend on. In the same neighborhood, the prices in different locations are also different. Those along the street are more expensive, while those located in deep alleys, such as Qi Xuansu's former residence, are cheaper.

Furthermore, the functions of each square are also different. For example, the royal family members live in Xuanyuan Square, while most of the first-level Taoist disciples live in Taishang Square, and a very few live in other squares in Shangba Square. middle. Qi Xuansu and Zhang Yuelu will soon be promoted to real people. If they do not live in Taishangfang but choose Haichanfang, they are likely to be labeled as mavericks by others. This is something they have firmly refused to do since the Five Dynasties Great Master. Allowed.

The most important point is that Qi Xuansu must consider the feelings of the future Yue family. The Celestial Master gives you face. You can't throw the face that the Celestial Master gives you to the ground. If you really let Zhang Yuelu live with him in a small courtyard, I'm afraid the Zhang family's face will not look good. To put it bluntly, the Zhang family bullies others, and Qi Xuansu can indeed ignore it and fight back, but when the Zhang family makes some reasonable requests, Qi Xuansu cannot easily refuse. It's fine if you, Qi Xuansu, don't have the ability. The key is that you have the ability. Why did you move to Haichanfang to save money? Do you want the Li family to see a joke?

In addition, there is also the issue of the size of the residence. Qi Xuansu's old residence was just a small courtyard and a few bungalows. It was nothing more than two bedrooms, a study room, plus a kitchen and living room. It was very simple. But the size of the new house cannot be so small, it must be large, the kind that can be easily accessed.

The location of Taishangfang, the size of the property, the age of a hundred years, and the price are constantly rising. Not to mention five thousand Taiping, even half a million Taiping is not enough.

Another key point is that the Zhang family will prepare a dowry house. If Qi Xuansu doesn't want to be known as a son-in-law, it's best to match the Zhang family's dowry. If Qi Xuansu breaks the pot, the Zhang family will naturally be happy to see the result. There is nothing wrong with having multiple real-level son-in-laws, even if they are only in name.

This puts Qi Xuansu in a difficult position. He has to save so much peace money throughout his life, but he may not be able to save enough.

So there were only two ways. One was to borrow money from Taiping Bank. With his status, the loan could be approved easily, and it would be without interest. Even after he became the real person of Shenzhi, Taiping Bank might ask Taiping Bank for a loan. The remaining debt was forgiven. However, Qi Xuansu didn't want to do this. The key was that his identity was different. If he wanted to promote any big trade, he could just borrow large amounts of money in the name of the Taoist government. Taking out a loan to buy a house seemed a bit fussy and not so decent.

Some people can't help but say something with ulterior motives: "A Zhang Kuquan, who is not ranked in the Zhang family, can own dozens of properties and raise so many women. You, the fourth noblest person in the family, want to take out a loan to buy a house? You are so poor?" Who are you pretending to be? Why don't other real people borrow money to buy a house? Are you the only one in this big sect who is incorruptible? I think you are just trying to make a name for yourself, it's hypocritical."

Being independent is very taboo in Taoism, Zhang Yuelu is an example. Moreover, what is superior to others will be judged by others. Qi Xuansu is in a high position at a young age, and his every move is in the eyes of others. There are countless people waiting to find fault with him, so unless he has to, Qi Xuansu does not want to be in the limelight because of such a trivial matter.

Then there is only one last option left, which is to find parents.

This is not a shame. Not only do they have to abide by the law, but they also have to rely on themselves. There are not many young people who can settle down and buy a house in Taishangfang. Even Li Changge, Yao Pei, and Zhang Yuelu had to rely on family support. Qi Xuansu asked Qiniang what happened.

But this time it was not Qi Xuansu who took the initiative to contact Qiniang, but Qi Niang who took the initiative to contact Qi Xuansu.

When Qi Xuansu saw Qiniang on the other side of the mother-in-law mirror, he was shocked: "Qiniang? Didn't you say that you can't contact her after leaving the Central Plains? Have you arrived at Fenglinzhou?"

Qiniang said: "I am in Yujing, and I will contact you through the special channels of Taoism. Of course, I am not limited by the scope."

Qi Xuansu asked curiously: "Special channel? Where are you in Yujing?"

"Yuxu Palace." Qiniang spit out three words.

Just as there are four Shangqing palaces in Daomen, there are two Yuxu palaces in Yujing, one is for holding celebrations, Yuxu palace on Yuxu peak, and the other is located in Zifu and belongs to the earth master.

Qi Xuansu asked subconsciously: "Which Yuxu Palace?"

Qiniang said matter-of-factly: "Of course it's the Earth Master's Yuxu Palace. Is it the Yuxu Palace where the grand ceremony is held? Why is there a mother-child mirror there?"

Qi Xuansu didn't speak for a long time.

Qiniang said dissatisfied: "What's your expression? You are allowed to go to the Biyou Palace of the Heavenly Master, but I am not allowed to come to the Yuxu Palace of the Earth Master?"

Qi Xuansu coughed lightly: "I didn't mean that, I was just surprised. Qiniang, how did you enter the Zi Mansion?"

Qiniang took out a token and shook it. It was exactly the same as Zhang Yuelu's pass token: "You don't have it, right? I already had this kind of token forty years ago."

Qi Xuansu was speechless for a while. He indeed didn't. The last time he went to Biyou Palace, it was just a temporary pass and it would become invalid upon expiration.

Qiniang said: "Okay, my time is limited, I won't chat with you and talk about business. I have already made an agreement with Su Zhisheng to buy you a house in Taishangfang."

Qi Xuansu opened his mouth slightly, in disbelief.

Qiniang, who regards wealth as her life and is as stingy as Pixiu, actually offered to buy him a house without waiting for him to ask for help. At this moment, he even suspected that the Qiniang in front of him was someone else's fake one.

Qiniang snorted: "It's that expression again. I've told you a long time ago that I saved the money for you and reserved it for you to marry a wife. You still don't believe it. You always suspect that I have pocketed the money. You Now I feel my conscience and ask, did I lie to you?"

Qi Xuansu said from the bottom of his heart: "No, I judge the gentleman's belly with the heart of a villain."

However, Qi Xuansu's gratitude did not last long, and Qiniang changed the subject: "But I have calculated that the money alone is not enough. So I said hello to Pei Xuanzhi, from now on, your There is no need to give the money to you, just give it to me directly. The debt will be repaid until it is paid off. Considering the relationship between you and me, the interest rate will be calculated at the lowest rate. Even a mother and son have to settle accounts clearly. "

The smile on Qi Xuansu's face slowly froze.

Qiniang is still the same Qiniang, she has not changed, and she is not fake.

Qiniang said to herself: "When I get old and can no longer work, I can come to your place to take care of myself. You kid, tell me now who has the final say in this family. Is it you or the Zhang family?" The girl has the final say?"