Ninja Ice House

The size of the entire Konoha Village has not changed much since its establishment.

Senju Hashirama and Uchiha Madara's planning for Konoha Village was very advanced, and in the decades after its establishment, there was no problem of insufficient space due to the small area.

Until the night when the Kyuubi attacked the village, most of the buildings in Konoha Village were destroyed, and there were heavy casualties. The rebuilt Konoha Village was larger than the original one, and the Uchiha family also moved from the core area to the newly opened nook.

On the night of the Uchiha genocide three years ago, half of Konoha Village was burned down again.

Based on the original foundation, the side wall of Konoha Village has been pushed out several hundred meters again.

In the past three years, the reconstruction of Konoha Village has been in full swing. When the Furusugi family developed the real estate here, the high housing prices made the Konoha ninjas realize for the first time that the place was too small and there were many inconveniences.

.

Because there are very few housing sites left, the supply of many "one-family houses" and civilian apartments entering the market exceeds demand.

Even the biological son of the current Hokage has to go through the back door to buy the property of his choice. It is even more difficult for ordinary ninjas.

This is not a matter of money. The premium is just the ticket. Whether you can buy it depends on luck.

Real estate development is so profitable, and the Furusugi family has made a lot of money, so Sarutobi Hiruzen can't help but be tempted.

Of course, if you want to steam a pot of rice, you must first have rice.

In Konoha Village, the existing land either has an owner, or is a real estate to be developed that is held by the Furusugi family. Not to mention being used, the foundations have not been laid, and the houses on it have been sold until the year after next.

Not to mention installment payment, you may not be able to get the full payment.

I don’t know how many people are waiting for the designers and construction teams of the Gushan family to come in and deliver the commercial houses as soon as possible after they are built.

Seeing this, the third generation Hokage, who was anxious in his heart, couldn't help but come up with the idea of ​​expanding the area of ​​​​Konoha Village.

Although there are no business talents who know how to develop real estate in the village, you can learn if you don’t know. The Gushan family has the best, so if you can learn from it, you will always learn from it!

In view of this, Hiruzen Sarutobi gathered together a few powerful ninjas in the village to level the land, build houses, sell them, and make money to pay off debts.

Land alone is not enough. After all, Konoha Village is a paramilitary organization, and it must have necessary weapons. After major changes in the layout, the defense system must be reconstructed. Even the barrier formation that has been used for many years needs to be modified.

Already.

Listening to Hiruzen Sarutobi explain his "grand plan", Koharu didn't have much reaction when he went to bed, but Mito Kaden asked hesitantly:

"Sandaime, have you calculated the ratio of investment and return? How long will it take to make a profit..."

"Two years, my plan is to turn losses into profits in two years."

"Then if you invest purely for such a long time without getting any money back, isn't the risk too great?"

It is not impossible to operate with debt, but there must be a limit to increasing leverage. The financial situation of Konoha Village is actually not very good.

To put it bluntly, after years of continuous misfortune, the losses were too great. After the end of the Third Ninja War, Konoha Village did not have much time to recover.

If you get a little better, you'll run into trouble.

If it weren't for the prosperity of the Fire Country, the high completion rate of Konoha ninja missions, and the occasional support from the Daimyo and Furusugi families, I'm afraid the village wouldn't be as peaceful as it appears.

In recent years, the strength of the Fusagi family has expanded greatly. In addition to mission commissions, the sideline income of the Konoha ninjas has been greatly squeezed.

For example, the Nara family's medicine business, the Inuzuka family's special ninja dog breeding, the Aburame family's special anthelmintic medicine, the Hyuga family's ancestral gold sore ointment, etc., are only powerful in the secular world, and the Kurama clan who follows the Furusugi family can still get by.

Good.

The ninjas were not defeated by secular forces, but were weakened time and time again in internal struggles. Finally, they began to rely on secular forces and hoped that external forces could tide them over.

Gushan Bushui was banking on "accidents" one after another to weaken the influence of the ninjas, and gradually integrate the ninja village, which was about to get out of control, into the entire Fire Nation's economic system.

Can fight

, being able to make money is not a big deal, but having your own ideas is more difficult.

Faced with the looming influence of the Furusugi family, Sarutobi Hiruzen and the high-level officials of Konoha Village, although they have not yet realized the serious problems lurking in this, they can still barely detect the independence of Konoha Village.

Sexuality has been greatly challenged.

At this time, the instinct of how to maintain economic independence and not let external forces control our lifeblood comes into play.

How to make money and get out of the debt trap that is slipping step by step is a top priority.

Sarutobi Hiruzen has also thought about Mito Mono's worries, but if he doesn't do this now, he will have to suffer. Maybe in three to five years, or ten to eight years, he can finally get better.

However, by that time, Sarutobi Hiruzen must have retired.

No matter what, Sarutobi Hiruzen couldn't accept it. He personally handed over this mess to the next one. Wouldn't that make the Third Hokage, who has been in power for decades, too incompetent?

"There is really no other way. Even if a few of us personally go out and complete the task commission to make money, we can't reduce the village's debt scale to below a safe level in a short period of time."

"Can't you talk to the person in charge of the Fusagi family and give you some time?"

"I've had to go out of my way to say something with this face many times. There's always a time when all my face is used up."

"Why is this so!"

Mito Menyan sighed slightly,

"Is this the only way?"

The land was collected first, and then several great ninja clans contributed money and effort to build high-quality residences using the methods of the Furusugi family.

You can collect part of the advance payment first, then start construction, continue to mortgage, borrow old ones for new ones, and build and sell houses at the same time.

As long as land prices and housing prices remain high and villagers' interest in home ownership remains high, this operation can continue until the debt level is reduced to a reasonable level, and then it can be stopped.

only……

"Are you really sure that you can stop making money just by talking about it? Also, if you want to pay back the money, you have to borrow a large amount of money. Isn't it a bit abnormal?"

"I am also worried that the Gushan family's bank does not seem to support high-value loans for repeatedly mortgaged assets."

Mitomon was speechless.

Normal people would disagree with this kind of thing. The mortgaged asset is a piece of wilderness on the map. It has no value until it is developed.

Normal people would not use future assets as collateral to lend current money, unless Konoha Village assumes unlimited joint liability and is responsible for covering the whole situation.

A few wealthy great ninja clan would definitely not mortgage their core assets to the Furusugi family to borrow money to repay the debts of Konoha Village.

It’s okay to make a profit, but what to do if you lose?

If the property is taken away, will Konoha Village receive enough compensation?

It's impossible even if you think about it.

"The assets recognized by the Gushan family, apart from the mission advance, are only the core land within the village."

As long as Konoha Village does not disappear completely, there is no need to doubt the ability of Konoha ninjas to repay their debts. The land in the center of the village that is truly worthy of development is also coveted.

land?

there is none left!

It seems a bit too radical to pledge the mission proceeds for the next three years to the Gushan family in advance.

"Oh, I really want to learn the methods of the Fusagi family, but it's hard to do!"

Mitomenitis is a bit difficult and I don’t know how to solve it.

For example, in order to drive up housing prices in an area, the Gushan family built a bustling pedestrian street nearby, and then a large number of fashion brands, delicious snacks, movie theaters and other ancillary businesses for eating, drinking and entertainment came to the area.

If Konoha Village wants to do this, it will be in vain if the houses and shops have been built and no well-known merchants come to support it.

To put it bluntly, hype is just a gimmick. Although it is just a boast, it still needs to have some real materials that can stand the test of consumers.

The comprehensive competitiveness of Konoha Village is not good. Apart from things other than fighting and killing, it is not very good at it.

"Sandaime, if you can't do this, just sell the land directly to any merchant who wants to develop it. The one with the highest price will get it. We can't bear the risk of subsequent development failure."

Income from land sales ensures harvest despite droughts and floods. Even if the village loses money in the end, it is not the village’s problem.

"Is it the same even if the Furusugi family takes action? You have to know that with their level of wealth, no one in the ninja world can compete with them if they want it."

"Is there any problem with the Gushan family's money? As long as we use real money to support the construction of the village, we will all need it!"

The meaning of Mito Monobu is very clear. To earn the money that should be earned, the village should not directly intervene in the market competition. Otherwise, if something goes wrong, it will not be a few large and small ninja clans who will suffer heavy losses, but Konoha will be shaken.

Village-based.

As for the matter of defaulting on the debt, neither Sarutobi Hiruzen, Mito Kabuto nor Koharu had ever thought about it this way.

Once there is a real default and the Kosugi family no longer provides interest-free or low-interest loans, Konoha Village's finances will really collapse.

"Are you saying that the village is only responsible for selling land and maintaining order, leaving the rest to professionals, anyone can do it, as long as it does not affect the safety of the village?"

"right!"

"But, wouldn't it be a bad idea to leave everything to the Gushan family?"

If the scheming young governor had any ill intentions, wouldn't the village even have room to resist?

"Leaving aside the fact that the Furusugi family is the natural ally of our Konoha ninjas, even if they really mean to harm Konoha ninjas, wouldn't they resist?"

If there is a conflict, Konoha Village will not be afraid of anyone. The power of the overlord of the ninja world lies here.

I dare not say anything else. In terms of the level of fighting ability, the Gushan family will definitely not be able to catch up.

If that's the case, what's there to be afraid of?

He figured it out in an instant, and Sarutobi Hiruzen also understood.

"Furthermore, the Gushan family may not necessarily value the newly opened land. After all, the existing resources in the village are enough to satisfy their appetite."

Indeed, under the test of the "Konoha Collapse Plan" and Pein's attack on the village, Gusugi Bosui is no longer prepared to continue to increase investment in Konoha Village.

In one and a half to two years, the Furusugi family's control over Konoha Village will reach its peak and then exit at an extremely fast speed.

In fact, Gu Shan Bu Shui even thought of an excuse.

For example, to make Inaba Country great again, the Izumo Rebirth Plan, the Daitokai Co-Prosperity Alliance, etc., we can work hard to build roads, bridges, canals, railways, highways and highways, there are many things that can be done.

For such a big plan, the money needed was gone. In order to reduce the pressure, the heavy assets of Konoha Village were sold off, and only light assets such as financial and cultural products were retained to raise money for large-scale development plans.

It doesn't matter if the jars and jars are broken, since the intangible assets will not suffer any loss.

As long as Konoha ninjas are still there, there will always be people who can afford to pay.

…

While the Third Hokage and several advisors and elders were discussing something, several major families in Konoha Village were also discussing whether they should respond to Sarutobi Hiruzen's call and contribute money and efforts to build a stronger Konoha.

village.

In the old house of the Kurama family outside the village, the ninja school was also a lot deserted because Kaoru, Uchiha Sasuke and Uzami and others went to participate in the "King of Fighting" challenge.

During the holidays, Kurama Yakumo would come back from time to time to stay and relax.

After hearing the discussion between Kurama Congyun and Anma Unkai, Kurama Yakumo said to his troubled father and uncle:

"This matter has nothing to do with our Kurama family."

"How could it be? This is the Sandaime's initiative..."

"So what? Do we, the Kurama family, still have to work hard to earn this hard-earned money? Just follow the steps of the Fusagi family and see what they plan to do."

"I asked the discipline manager, and he said that he is not very interested. If the land price is cheap, he would not mind buying a few pieces as a reserve. If it is too expensive, he will not sell it.

..."

"Let's do the same thing! This is actually not a question of making money or not, but a question of taking sides. In essence, our Kurama family is a secular ninja clan within Konoha Village, and people from the Hokage family can't get along at all.

Let's go together. Even if there are benefits, it won't be our turn. Inuzuka, Aburame, Inokacho, Shimura, Sarutobi and other big families are all looking at us."

"Then...Yakumo, what do you think the Hyuga family will do?"

"them?"

Kurama Yakumo smiled disdainfully,

"They will definitely act as if they don't know or don't exist. They will do nothing and live their own lives behind closed doors. They have been doing this for so many years. Although they will miss many opportunities, they can also ensure that

Peace. The Uchiha family is gone, but the Hyuga family is still around, which is proof."

"I hope so! It would be better not to cause any trouble..."

To put it bluntly, the root cause of this turmoil is that the village is short of money and wants the major ninja clans to contribute money and efforts to tide over the difficulties together.

The so-called land sale is just a gimmick.

Ninjas are not good at economics, they are better at killing and completing tasks to earn rewards.

Seeing that he had convinced his family, Kurama Yakumo stopped talking and was about to leave, but was stopped by Kurama Congyun.

"Yakumo, you have a good relationship with Kaoru, right? Have you heard about the Fusagi family arranging teammates and teachers for her?"