Bjorn Yandel the Barbarian

“A lot of money… you mean?”

Hoeju narrows his eyebrows in a nervous voice.

If it weren’t for me who said this, the look in his eyes made me think he would have kicked me out right away.

“Tell me this once. “How are you going to make a lot of money?”

Still, I got permission to listen, so I quickly continued the explanation before the negative image grew.

“We are investing in this opportunity.”

“…invest? “Is there anything you looked at?”

“No, I’m not investing at the top.”

“then…?”

“Let’s invest in land in District 7.”

“Land… you mean?”

Hoeju’s reaction was as if this guy was talking nonsense again, but it wasn’t that surprising.

To what extent did he expect it?

In this world, purchasing land is not very attractive. No, more accurately, if you look at it as an ‘investment product’, that is true.

In the first place, only ‘nobles’ could purchase land….

‘In fact, it is close to a Zetech product that allows you to earn continuous ‘monthly rent’ profits.’

Most nobles who have spare land lend out land and buildings and rent them out.

And in the process, there is no market profit gained from rising land prices.

That has to be the case.

In this deformed city where magic stones replace all resources and consumption and circulation occur simultaneously, the value of currency rarely fluctuates.

Therefore, real estate in Lapdonia has always maintained its peak, neither rising nor falling.

but….

“As you know, it is not enough to say that the current situation in District 7 is the worst. “If you buy it now, you will be able to get it at a bargain price.”

“Isn’t that a too simplistic point of view? They couldn’t have known that District 7 would be rebuilt within a few years. “No one will want to sell at a loss.”

Well, that’s right.

Most nobles would choose Jonber.

If it were under normal circumstances.

“Well, aren’t you looking at it too simply?”

A huge event occurred called the closure of the labyrinth.

However, in the meantime, District 7 is an area bordering Biffron, which is occupied by the Noark forces…

“I heard that many families these days are trying to save as much money as possible without spending it.”

Uncertainty about the future.

And the anxiety that comes from that.

I explained this well and spoke with a confident voice.

“If you look closely, there will definitely be quite a few nobles willing to sell. “If consumption declines in earnest, the businesses of noble families will also suffer a major blow.”

“I’m sure… the number of people who are in dire need of money will increase.”

Hoeju also seemed to agree with what I said.

Well, that doesn’t mean the persuasion is over.

“But that situation is the same for us. Even if you can buy this land at a low price, it will be a long time before this investment is realized.”

“yes.”

“As the Baron said, we cannot afford to watch for such a long time in a situation where we cannot see an inch ahead. To me and to all of us.”

It was a keen opinion, as befits a seasoned club owner.

Just as other noble families are desperate for money and are trying to sell land, the families belonging to Melves are also desperate for money.

Therefore, investments that look into the future cannot be made.

but….

‘I think we’ve almost reached this point.’

I grinned and lowered my voice.

“What if you could buy land and keep all the money right away? “So what do you think?”

A question that can never be understood by a person who has lived in Lapdonia all his life, and which sounds like nothing more than a barbarian’s delusion.

The reaction was also as expected.

“Isn’t that… a meaningless assumption?”

“Even so, please answer first. “If so, what are you going to do?”

In the end, Hoeju had no choice but to give an answer to my persistent request.

“Why do you need to ask me? “If it were possible, there would be no reason for any noble not to do it.”

“Hmm, I see?”

“But how could such a thing be realistically possible? Even if you buy land, you can still save that money. “It’s not like there is a way to buy land for free.”

Looking at Hoeju muttering skeptically, I spoke firmly.

“there is.”

Strictly speaking, you don’t get the land for free.

There is a method almost similar to that.

“Then will you tell me? “What is that method?”

“We lease the land and do not collect rent.”

No monthly or annual rent is charged.

“what? “What kind of nonsense is that about not renting?”

Well, the conversation is interrupted.

“Listen to the end.”

I cut off Hoeju’s words and continued my explanation.

“No taxes are collected on the purchased land. But in return, we will receive money equivalent to the price of the land and give them the right to freely use the land.”

Hoeju, who had been listening intently to what he was going to say, burst into laughter.

“her! Are you planning to purchase land on behalf of me now? “That is definitely against the kingdom’s land laws!”

Proxy purchase of land. A method often secretly carried out by wealthy merchants or wealthy people who want to own land.

Since there is almost no crackdown, it is extremely rare to be caught, but it can become a problem if someone decides to do so.

but….

“Strictly speaking, it is not illegal. In the case of proxy purchases, permanent rights to the land must be clearly stated in the contract, but I have no intention of including such a clause.”

“…Then there is room for it to be interpreted as said. But who on earth would want to come in that way? “It would be much cheaper and better to just pay rent, right?”

“He will come in. “Unlike proxy purchasing, where you have to pay nearly three times the premium, I don’t plan on receiving any premium at all…”

“….”

“The money you received will be returned as is when the contract ends.”

“What?!”

Unfortunately, Hoeju, who has lived in this city all his life, had no idea about the new concept I was talking about.

“You’re giving me back the money I received? Then they are renting the land for free without paying rent!”

‘Hmm… is this that difficult to understand?’

The owner only thought that this method was detrimental to us, so I had to spend a lot of time explaining.

“Hoeju, I’ll tell you this only once, so listen carefully.”

Even Koreans who are interested in real estate are divided on whether this is a good system or a bad system.

Why is it beneficial to us to set aside a ‘cheonsei’?

***

The plan I made is very simple.

Purchase land in District 7 from a noble family in need of money.

Afterwards, the land is leased free of charge to merchants or wealthy people with a large deposit.

and….

‘You can buy land again with that money.’

repeat the same thing

Although Hoeju had some doubts as to whether it would work, the old man eventually agreed after much persuasion.

“Sure… if you build a proper building on the collapsed land, it won’t be difficult to find people who want to sign a contract. “It will be much cheaper in the long run.”

A lot of money is being drained from jeonse.

First, if you have enough money, a jeonse lease is much more economically advantageous.

‘That’s because the rent isn’t paid.’

Isn’t this a world where you have to put money in the bank to pay interest anyway?

If my prediction is correct, there will be some people who take out a loan from a bank to pay monthly rent and move into jeonse…

“I plan to coordinate this with the bank president, Count Alminus. “Can ordinary people get loans using a contract saying I will return the money as collateral?”

“This… this is ridiculous….”

When the explanation had progressed to a certain extent, Hoeju muttered something like that.

However, it felt completely different from before.

If before it felt like a criticism of nonsense, now it feels closer to an exclamation.

“Didn’t the royal family decide to cover most of the cost of rebuilding the collapsed building?”

“It did?”

“If this plan goes well… you could buy the entire District 7 with the money you can buy a small street…!”

Since he was from a local area, he seemed a bit hard-headed, but Hoeju was also a person with a great business sense, so he seemed to understand the ‘business’ I was talking about.

Well, it’s not perfect in my opinion.

“It seems like there was some misunderstanding, Hoeju, my goal is not to buy the entire District 7.”

“…?”

“The goal is to buy the entire 7th district and sell it later when the price rises.”

“…!!!”

This was the core of this plan.

After all, what benefit would it be to me if I just bought the land and put it all on lease?

If land prices do not rise, there will be nothing but losses.

Well, on the other hand, if land prices rise, you can make huge profits.

“Hoeju, don’t you know? “As soon as the situation calms down and District 7 returns to normal, prices will go back to what they were before.”

This is definitely an eating game.

Unless the Noarks come out of the walls during the rebuild and completely wipe out District 7 again.

‘uh….’

It really won’t work like that, right?

I brushed off the anxious thoughts, saying that words would become seeds.

“Anyway, think about it carefully, Viscount. “How much do you think we’ll have made when that time comes?”

“…How can I help you?”

‘Okay, looking at those eyes, I don’t think there’s any need for further persuasion…’

I honestly said everything I needed to.

In the first place, it would be impossible for me to carry out this plan alone without the active help of this old man from Hoeju.

Starting with finding a noble to sell the land, funds to purchase the land, and capital to hold on until the building is built and tenants are accepted…

From one to ten, you must receive help from the leader.

Since I don’t have a wide network of people, I would be blocked from finding nobles to sell the land to.

“I’ll say it one more time, don’t buy it unless you want to pass it on for a low price. “Anyway, there’s no one crazy enough to want to buy land at this time other than us.”

“Don’t worry about that. “I have done that kind of negotiation countless times in my life.”

Yes, this is it.

A family that has been around for thousands of years, and the connections that come from it.

And, having worked in politics and business for a long time, he has developed negotiation skills to some extent. Hoeju will show that he handles the work as much as I expected.

“However, it is difficult to make such a big decision right now. “I will think about it further and get back to you.”

Although Hoeju showed signs of withdrawing at the end, I nodded coolly.

That’s because I could already see his eyes rolling back.

“Sure.”

You will most likely be contacted within the near future.

**

Creating a charter system in Lapdonia.

This is sure to bring me tangible benefits.

However, the only worry is whether this capitalist move will seem too evil…

‘It doesn’t require any special technology, and anyone can think of the jeonse system itself.’

Of course, Koreans who know the ‘Jeonse’ system may have doubts after seeing my actions.

but….

‘There are only three of us who are Korean anyway.’

Baekho Lee, Hyeonbyeol, and me.

But anyway, all three of them already know my identity.

Well, there may be other Koreans hiding somewhere in this world…

That level of risk is worth taking.

Because I’m not the same person I used to be when I was shaking against the evil spirit hunters of the secret police agency.

Right now, I have the bare minimum means to protect myself.

Above all, we had some insurance in place.

“By any chance… is this all coming from Baron Yandel’s head?”

“No way! This is the method devised by our Secretary General for Administrative Affairs! “Building a house in a sacred place seems to help me get my head around that kind of thing!”

“Do you mean Administrator Shabin Emoor?”

“right. “I was recently promoted to rank.”

“…I just can’t figure it out. “Are such talented people lucky enough to gather around Baron Yandel? Or are they able to shine because they were by Baron Yandel’s side?”

The look in Hoeju’s eyes as he said that was mixed with an emotion similar to envy, which made me feel a little embarrassed.

However, a seasoned warrior never misses any opportunity.

“Well, wouldn’t it be okay to check for yourself in the future to find out which one it is?”

I smiled and added a closing comment.

“Because you are now the person by my side.”

Surprisingly, these emotional words resonate well with seniors who have gone through all sorts of prenatal hardships.