Chapter 70 Student Loans (Part 2)

Two hundred thousand spiritual money, if placed in the mortal world, is equivalent to hundreds of millions, placed in the cultivation world, even if it is an existence at the level of a spiritual master, few people can take it out casually. Keep two hundred thousand in your heart.

And for students, this is huge money!

Tang Jie Lion opened his mouth wide, and it cost 200,000 at once. Even Mrs. Shui was so suppressed by him that he couldn't breathe.

After glaring at Tang Jie fiercely, Mrs. Shui said, "You can speak freely. Can you get the corresponding mortgage for two hundred thousand dollars?"

Tang Jie said with a smile: "I still understand the rules of the academy, the maximum pledge is one to five, right?"

Loans must be pledged, but the main purpose of Lingtai Pavilion's loans has always been to help students. Naturally, they will not simply borrow as much as they have mortgaged, but divide them according to the reputation, status and ability of the students.

It is usually divided into five classes, the worst is one-to-one, how much you can borrow as much as the collateral, and the highest is one-to-five, where you can borrow five times as much money for a dollar of collateral.

And this kind of rating is generally closely related to the performance of the Shenbing Arena. Basically, in order to obtain the highest five-level loan amount, one must first obtain an invincible evaluation.

But Tang Jie's situation is obviously a little different.

Hearing Tang Jie's words at this moment, Mrs. Shui also understood a little bit: "It turns out that you have been prepared for a long time. Speaking of which, although you are not a student of invincible evaluation, you have set a record, and you have scored a five-level evaluation by yourself on Tiger Roaring Peak. It’s not too much. But... Even so, you still need to have a pledge of 40,000.”

"That's why I asked Madam for help." Tang Jie said with a smile: "I have some goods here, and I can also pledge the Heartbroken Knife and the Silver Needle. If it is not enough, I will borrow in batches and use the puppet as collateral... "

He's playing the subprime game.

Commodities are made out of borrowed money, and then borrowed money out of commodities.

Qixia World does not have the concept of subprime mortgages, and is relatively cautious about risks. However, the student loan itself has a certain credit pledge component, which allows a certain degree of risk. In addition, the degree of human governance is relatively high in this era, so a small subprime loan may not be impossible.

It's a pity that Mrs. Shui still shook her head: "That won't work either!"

Tang Jie asked for too much, and this was no longer a matter of mortgage.

The 200,000 loan, the monthly interest of thousands of spiritual coins alone, he can't afford to repay even one of his students.

After all, the purpose of borrowing is to collect money, so all considerations must be based on the other party's ability to repay the loan.

Don't say that you are just a student of the Lingquan class, even if you are invincible in Linghai, as long as you don't have the ability to earn a thousand dollars a month, you don't even want to borrow two hundred thousand dollars.

"If that's the case, let's borrow one hundred thousand." If two hundred thousand failed, Tang Jie decided to settle for the next best thing.

Mrs. Shui was confused by him, and said with a smile: "Tang Jie, don't blame me for talking about you. You are smart and hardworking, but you have a big heart. You can just say you are a puppet. One hundred thousand and two hundred thousand? In the world of cultivating immortals, cultivation is the right way after all. If you take this one hundred thousand and make it into a puppet, even if you win the first place in the magic soldier five times a month and sweep the Tiger Roaring Valley, you will not be able to earn back Here comes the money."

Competition also has to consider costs.

Why can't a group of students take down the demon tiger in Huxiao Mountain, but Tang Jie can take it down by himself?

It's not because he is better than a group of students, but because he doesn't care about the cost, he doesn't care about the profit, and he is willing to trade at a loss.

A victory like this, if he hadn't pursued something else, would be meaningless in itself!

But using the same method to run rampant in the academy is not worth the candle.

Mrs. Shui is very optimistic about Tang Jie, but she is not optimistic about Tang Jie's "project", so no matter how much she values ​​Tang Jie, it is impossible to agree.

But on this matter, Tang Jie no longer gave in.

"I also ask Madam to hold you high, as long as Madam is willing to borrow, the student can accept three cents of the monthly interest."

"Three cents per month?" Mrs. Shui sneered, "You are so arrogant, that's three thousand dollars per month. What do you pay for it?"

"Take me." Tang Jie replied: "If you don't come out, why not sell me to Lingtai Pavilion!"

Mrs. Water was about to say that you are not worth the price now,

I heard a voice outside the door: "Lend it to him."

It was Xie Fengtang who appeared at the door.

"Fengtang?" Madam Shui looked up in amazement, "Why are you here?"

"It's not this kid." Xie Fengtang pointed at Tang Jie: "You don't think he ran over to ask you to borrow money without any preparation?"

It turned out to be like this, in order to borrow money, Tang Jie actually invited Xie Fengtang.

Knowing this, Madam Shui glared at Tang Jie.

Although she is not afraid of Xie Fengtang, Xie Fengtang is the headmaster of Xiyue Academy after all, since he decided to borrow it, she has no need to argue, and can only say: "In that case, I will borrow it from you, but no wonder I didn't remind you , if you are insolvent, beware of being overwhelmed by debt.”

Madam Shui's refusal to borrow him was also because she cared for him, after all, she didn't want him to bear too much pressure too early.

It's just that she didn't know that the burden on Tang Jie's shoulders has already exceeded ordinary people's imagination.

Tang Jie laughed and said, "Madam cares, but the boy saves it."

Mrs. Shui then took out a piece of talisman paper, wrote the IOU on it, and said: "Since you want to borrow money, the rules must be clearly explained to you. I don't want your three-cent interest, one-cent monthly interest." Half, repay every month. A quarter of the principal will be paid every six months, and it will be settled in two years. As for your pledges, let’s forget it. I don’t care about it in Lingtai Pavilion. You want to pay, and then everything you have will have to repay the debt, and even you yourself will have to sell yourself to make up for the difference... With your current strength, you can sell it for a lifetime."

"Naturally!" Tang Jie agreed.

After explaining all the matters that should be paid attention to, Mrs. Shui handed the IOU to Tang Jie: "No problem, just put a blood mark on it."

Tang Jie didn't even look at it, and directly bit his finger, stamping a heavy red bloodstain on it.

This IOU uses a special kind of talisman paper. Once you drop your own blood on it, it is equivalent to positioning yourself to the owner of the IOU. Unless you escape from the Qixia Realm, you can be found no matter where you are.

After finishing this matter, Mrs. Shui handed over one hundred pieces of Lingyu to Tang Jie, who took the money and left.

Only then did Madam Shui look at Xie Fengtang, and said with reproachful eyes: "You are a real person, why did you agree to lend him the money? He is a little boy, what will he have to pay back?"

Unexpectedly, Xie Fengtang replied: "What I want is that he has no money to return. There are some things you don't know, so don't ask."

He laughed and left.

The patience of the Xiyue Party Tang Jie is also gradually disappearing, but there is no chance to press him.

Now that Tang Jie owes a huge debt of 100,000 yuan, if he doesn't come out by then, it will be an opportunity for the Moon Cleansing Sect.

How could Xie Fengtang be willing to let go of this opportunity?

———————

After taking the money and leaving, Tang Jie wandered around Lingmiaofang.

With a huge sum of money in his pocket, this time he only saw good things.

Fifty-year-old purple tuckahoe, hundred-year-old ice lotus, thirty-year-old stone marrow, and even demon pills that have escaped the mortal realm are all on the list of his search.

Yes.

All of them are medicinal herbs used to practice the scriptures.

From the beginning to the end, Tang Jie had no intention of being a puppet of 100,000 yuan.

The biggest problem with lending in ancient times was the lack of supervision on how the borrowed money was used.

Lenders have always only cared about the repayment ability of the borrower, and how to deal with it if the loan is not paid. As for how to prevent customers from not paying the money, such matters as financial supervision have never been considered by the lender. The existence of "IOUs of Recourse" greatly reduces the possibility of the borrower escaping the price, so that no one even thinks to see how Tang Jie uses the money.

With an unprecedented amount of money in his pocket, Tang Jie searched the Lingmiaofang like this.

This was also his biggest expense since he entered the academy. Nearly 110,000 spiritual money was squandered by him in just one hour.

When he returned to Taoranju with large and small bags of precious materials, he searched almost all the rare materials in the entire Lingmiao Workshop, so that there was no medicine source in the college for a short time, and the price of the materials also fell after a while. It jumped a bit, but this has nothing to do with Tang Jie.

After returning to Tao Ranju, Tang Jie boiled a large bucket of water, processed the herbs, poured them into the basin, and started the fourth purification.

This is also his largest training so far. After the medicinal bath transpired, just a little exercise of the mental method, a large amount of medicinal properties penetrated into his skin and poured into his body along with the water vapor.

The body that is extremely exhausted due to excessive blood loss during the day is like a baby that is starving for food, greedily absorbing every bit of nutrition, and has no concept of needing supplements.

Tang Jie's body is like a bottomless pit, which can contain all the benefits.

In this medicine mist, Tang Jie's body also underwent subtle changes.

His skin became fairer and clearer, revealing a jade-like luster, warm and elastic, but no one knew that under this seemingly quiet appearance, it was full of powerful, almost violent power.

Tang Jie felt the hot air in his body, and he frantically swam around his body. An indescribable force filled him, making him want to scream and fight!

That is the desire to vent from the exuberant blood.

But Tang Jie knew that he had to hold back, and his mind was running at full speed. The steaming water vapor gathered above his head to form a cloud-like existence, spinning strangely, and blood flushed on Tang Jie's face. changing colors...

This time the refining time was extraordinarily long, from the afternoon until the next day, it was considered that all the properties of the medicine had been absorbed.

When he came out of the medicated bath, Tang Jie swept away the slump after losing blood, and his whole body became energetic, as if he had been completely reborn, and he had a completely different feeling.

It was an indescribable feeling, the surrounding scenery became a little different again, everything around did not change at all, but in Tang Jie's eyes, he just glanced over, as if he saw any point at the same time The presence.

Everything is in sight!

Everything is in the bottom of my heart!

The realm of nuance.

At that moment, Tang Jie understood that he had reached the state of subtlety that practitioners often say.

The so-called subtlety is actually an expression of the ability of the cultivator. After the cultivator has refined his body and mind to a certain level, the functions of the five sense organs and internal organs will be greatly strengthened, and his vision, hearing and other perception abilities will be greatly increased. Internal hematopoiesis, regeneration Ability is greatly improved.

The subtlety is one of the manifestations, which makes the observation more detailed, looking at the past, and there is nothing to hide.

Above the subtleties, there is the void, breaking the delusions, no spells are needed, the naked eyes can penetrate the netherworld, see through life and death, and get rid of delusions, but it is a higher level, which Tang Jie can't reach for the time being.

Tang Jie had no choice but to marvel in admiration as he didn't expect a medicinal bath to make him feel subtle. Although the method of the master of war cost a lot, the effect is really worth mentioning.

At this time, the skin of his body is as white as jade, and he has truly become a body of jade.

The body of jade, the golden marrow of jade quality, strengthens the internal organs from the outside to the inside, and this is the reason why it can be nuanced.

On the contrary, in terms of strength, although Tang Jie feels much bigger than before, it seems limited compared to the investment of 110,000 yuan.

Tang Jie knew that on the one hand, the effect of this purification was from the outside to the inside, with the inner strength as the main focus, and on the other hand, it was because he had not yet developed it further.

The physical changes brought about by leaving scriptures are mainly the improvement of physical potential, three points of effectiveness, seven points of potential, and it needs to be polished in the later stage to truly play its role, and the way of polishing determines the direction of potential development.

It is also a form of cultivation and deviance. It can be a fierce attack type, a long-lasting type, an incomparably powerful type, a copper-skinned iron-skeleton type, or an invincible type with super powerful recovery ability.

Tang Jie's training in the Tianyu Palace made his departure from scriptures in the first few stages mainly manifested in defense. With the condensation water cover and the formless golden body, even if he stood there and was beaten, ordinary students couldn't beat him.

As for how the potential brought this time will develop, it depends on his own life experience and choice of direction.

Even so, Tang Jie's current strength has improved by leaps and bounds.

The medicinal materials of 110,000 Lingqian are thrown down, and the physical fitness brought by it is not comparable to that of a cultivator who has escaped from the mortal realm.

Under the gentle appearance, a violent beast has been dormant!