Elder Qian answered with a question of his own, "Is Little Grand-Uncle truly willing to sell?"
Xu Xian gave a bitter smile and said, "I don't want to, but there's no other way. I told you last time, I don't have enough merit points. It's not like I can buy things on credit, right?"
Buying on credit?
Xu Xian didn't even dare to imagine it.
He understood the Merchant Hall.
With a guy like Zhou Tao, if you were even one point short for a bowl of porridge, he would find a way to make you spit out one point's worth of something else.
Elder Qian said with a beaming smile, "Buying on credit is definitely not allowed."
"Then that's that, isn't it?"
"However..." Elder Qian's tone took a sharp turn, growing louder as he said, "You can take out a loan!"
Xu Xian was stunned. "Um... a loan?"
This was truly the first time he had heard of such a thing.
Elder Qian explained patiently, "Little Grand-Uncle, these intact exotic beast skins are hard to come by. If you keep it, you can sell it whenever you want; there’s no shortage of buyers. But if you want to buy one later, you might not be able to find it again."
"Our Merchant Hall has launched a service for sect disciples. When a disciple urgently needs something for an emergency but lacks merit points, they can apply for a merit point loan from our Merchant Hall to cover the payment."
"You only need to pay the interest monthly and then repay the principal in a lump sum when the term expires."
"It's quite a good deal!"
"So, I suggest Little Grand-Uncle doesn't sell it and chooses a loan instead."
"Of course, this is just my personal suggestion. The choice is yours. I personally feel that using this beast skin to forge a piece of immortal weapon soft armor for self-preservation would be more cost-effective."
"Little Grand-Uncle, you decide."
Xu Xian's interest was piqued. He laughed and asked, "That's quite interesting. Tell me, how does this loan work?"
When it came to business, Elder Qian's posture immediately straightened. His articulation became clear and his tone full of passion.
He began to speak eloquently.
The Merchant Hall's loan had a name: the cultivation loan.
Loans started from the core formation stage.
The limit was tied to one's realm and position.
Ordinary fourth-stage core formation disciples: 100,000 point limit.
Fifth stage: 200,000 points.
Sixth stage: 500,000 points.
Seventh stage: 1,000,000 points.
Eighth stage: 5,000,000 points.
Ninth stage: 10,000,000 points.
Deacons: An additional 500,000 limit.
Elders: An additional 1,000,000 limit.
Hall Masters: An additional 2,000,000 limit.
Peak Masters: An additional 3,000,000 limit.
Sword Pavilion Elders: An additional 5,000,000 limit.
The interest was 0.3% per month.
The shortest term was one day, and the maximum was ten years.
Most importantly, the debt was void upon death.
He also mentioned that according to sect rules, Xu Xian's realm only qualified him for 100,000 points. However, combined with the Pavilion Elder status tied to his identity as the Little Grand-Uncle...
He could borrow up to 5,100,000 points.
The current 2,000,000 points could be handled with zero down payment.
It was highly recommended.
Xu Xian did the math in his head.
With zero down payment, the monthly interest he would need to repay was 6,000 points.
If he paid 700,000 upfront and borrowed 1,300,000, the monthly interest would be 3,900 points.
His current monthly salary was over 10,000.
A monthly payment of just a few thousand points...
That was no pressure at all.
As for repaying the principal ten years later...
That was a conversation for the 'ten-years-later' version of himself. What did it have to do with the current him?
Without a second thought, he made the decision on the spot.
"I'll take it. I'll take the full loan!"
Elder Qian chuckled and said, "Little Grand-Uncle is truly generous. Please keep the beast skin safe."
"Alright!"
"Then shall I process the cultivation loan for you now?"
"Do it!"
"Just to confirm with you once more: the total points for the items you are purchasing this time is 2,000,000. The initial payment is zero, and the cultivation loan is for 2,000,000 points. You will need to pay 6,000 points in interest every month. Any problems?"
"None!"
"Great, please wait a moment!!"
Elder Qian gave Xu Xian the fast-track treatment, and the process was completed very quickly.
Taking back his dao jade, Xu Xian pocketed the two immortal plants.
He left feeling satisfied.
Before leaving,
He didn't forget to remind the other party to keep an eye out for the Blazing Red Ore, as it was very important to him.
Elder Qian repeatedly promised he would.
"I'm off."
"Take care, Little Grand-Uncle!"
Xu Xian departed with a flourish, flying away on his sword.
On the way back.
A thought suddenly occurred to him. If he took the items he bought with the loan, sold them outside for spirit stones, and then brought those spirit stones back to the sect to exchange for merit points to repay the debt, the remaining spirit stones would be his.
By repeating this...
Wouldn't it be a guaranteed profit?
It was a business with zero capital.
Just flip the goods.
Within ten years, he could buy out the entire Wendao Sect.
But he only thought about it for a moment.
This was like smuggling.
It was basically lining one's own pockets at the expense of the sect.
He would definitely get punished.
'Better not. I should be honest. I have a limitless future; I can't go astray just for the sake of greed.'
'It's a pity I'm still missing one piece. It's the only flaw...'
Eight out of ten things in life don't go your way; how could everything always follow one's heart?
He could only wait.
If even the Merchant Hall's resources couldn't get it, it would be even harder for him to find that stone elsewhere.
When he returned that day,
Xu Xian was in a decent mood. Even Li Qingshan looked much more tolerable when they crossed paths.
However, it was only a decent mood for that day.
After one night, Xu Xian began to knit his brows in worry again.
His plan had been disrupted.
Originally,
He was just waiting for the materials to be complete so he could directly break through to the nascent soul stage.
Now,
One item was missing.
Who knew when he would find it?
If he kept waiting,
How long would it take?
If he stopped waiting,
And chose to cultivate on his own, only to find the item halfway through, then all that hard work would have been for nothing.
After all,
He absolutely had to build the Sword Tower.
One floor for each realm.
The first floor was to break through to the nascent soul stage.
The second floor was to break through to the sixth stage.
These were the unchangeable rules of the Heavenly White Jade Capital.
So he was quite conflicted, caught in a dilemma...
Ten days passed just like that, and there was still no news from the Merchant Hall.
Xu Xian agonized over it once every day, but his laziness eventually won out.
He had never practiced a mental cultivation method.
He continued to spend his days studying other techniques.
One day.
Li Qingshan suddenly came to the herb field to find him, saying that Ye Xianyu wanted him to pay her a visit.
Xu Xian asked, "What does she want with me?"
Li Qingshan answered with a question of his own: "Tell me, which came first in this world, the chicken or the egg?"
Xu Xian found it completely bizarre and rolled his eyes at him.
"How should I know?"
Li Qingshan looked at him calmly and said flatly, "Exactly. How should I know?"
After saying that,
He left with a triumphant air.
In this round, Xu Xian was slightly outmaneuvered. "Curse him, he managed to pull off another flex."
Xu Xian did a simple wash, took off his farming clothes, and changed into a set of sword robes. He tied his long hair up high before finally heading up to Sword Inquiry Peak.
His Senior Sister was, after all, the Sect Master and a great beauty.
He had to pay some attention to his image.
It was a matter of respect.
After all, he wasn't exactly a man without status himself.
When Xu Xian arrived,
Ye Xianyu was in her room with a brush in hand. Countless papers were scattered across the desk.
It was a mess!
Yet she sat there quietly.
It must be said,
Looking at her from this angle, she truly possessed the temperament of a transcendent immortal master.
"Senior Sister, you were looking for me?"
Ye Xianyu looked up, greeting him warmly. "Little Eleven is here. Come in."
Xu Xian entered the room and looked around.
"Take a seat."
"Okay!"
While busy transcribing, Ye Xianyu found the time to ask, "How have things been lately?"
Xu Xian brewed himself a pot of good tea and said casually:
"Fine, about the same as usual."
Ye Xianyu glanced at him from the corner of her eye and said with a smile:
"I heard you've been frequenting the Dao Pavilion lately, transcribing no fewer than a hundred cultivation methods. Is this true?"
Xu Xian said in surprise, "Senior Sister, you even worry about such trivial matters?"
Ye Xianyu said nonchalantly, "Of course I don't care about such things in general, but when it comes to your matters, I always have to care..."
Rate on N.U.
