How do I apply for a loan?
Ye Xiao's desire for the Martial Strengthening Pill prompted him to quickly ask Medicine Elder.
The Medicine Elder pushed up his very old reading glasses.
"It depends on how much you want to borrow and what you want to buy."
Ye Xiao said, "I want 100 portions of each of all quality Strengthening Pills!"
Upon hearing this, the Medicine Elder gave a cold snort.
"You really have quite an appetite."
"However, as long as you can swallow it, that's your skill."
Obviously.
What surprised Cai Shi just now.
The Medicine Elder has already noticed this.
And that's what interests him too.
The boy before me.
He seems to be a near-perfect human test subject.
The Medicine Elder responded calmly.
"You can borrow it."
"100 medium-grade, high-grade, and special-grade Martial Enhancement Pills."
The price list is...
[ Medium Martial Power Pill). Effect: Moderately enhances punching power. Exchange Requirement: 5 Credit.]
[ High Martial Power Pill). Effect: Greatly enhances punching power. Exchange Requirement: 8 Credit.]
[ Special Martial Power Pill). Effect: Greatly enhances punching power. Exchange Requirement: 12 Credit.]
After the Medicine Elder calculated the Credit...
He then said, "2500 points."
Have you thought this through?
Are you planning to take out a loan?
Without saying a word, Ye Xiao nodded.
"Loan!"
For him, now is the time to use a loan to get the Martial Arts Pill ahead of time.
The goal is to improve his strength as soon as possible.
This will also make it easier for him to earn Credit later.
Since we'll have to get our hands on the Martial Enhancement Pill sooner or later, it's definitely more worthwhile to do it sooner rather than later.
The Medicine Elder stared at Ye Xiao, who spoke with unwavering resolve.
He nodded. "Okay, then I'll lend it to you."
"However, interest is calculated monthly at 20% per month."
You only have one repayment option: pay off the principal and interest in one lump sum.
Upon hearing this, Ye Xiao's expression froze.
20% interest?
It's still on a monthly basis.
This is outrageous loan sharking!
Ye Xiao quickly asked, "What if I can't collect 3000 points to pay you back next month?"
The Medicine Elder remained silent.
Cai Shi, standing to the side, said to Ye Xiao with a dissuading expression.
If you can't pay it back next month, you'll have to wait until the month after next.
"It's just... a form of compound interest."
Ye Xiao's eyes widened immediately.
"Does that mean that when I make my payment the month after next, I'll have to pay an additional 20% interest on top of the 3000 points?"
"So that means I'll have to pay back 3600 points the month after next?"
Cai Shi nodded, his face still full of dissuasion.
"Your calculation is correct."
Ye Xiao was dumbfounded.
This Medicine Elder seems so harsh, stingy, and heartless!
But why didn't Cai Shi speak up and stop it?
Rather, it's because of Cai Shi's understanding of Medicine Elder over the years.
He knew very well that Medicine Elder was a man who, on the surface, appeared harsh, stingy, profit-driven, and unapproachable.
But in reality, he is a loyal and kind-hearted person despite his sharp tongue.
Cai Shi was also very curious about Medicine Elder, who had never done anything like this before.
Suddenly they said they could lend money to Ye Xiao.
What exactly is the Medicine Elder up to?
"If you lack confidence and are afraid to take out a loan, then forget it."
After the Medicine Elder finished speaking, he turned around, intending to go back to sleep.
And just a few steps away from where the Medicine Elder had walked out.
Ye Xiao's voice rang out.
"Etc!"
The Medicine Elder stopped in his tracks at that moment.
He didn't turn around.
Ye Xiao stared at Medicine Elder's retreating figure and said, "I'll take it!"
"However, I have one condition!"
Upon hearing this, a rare smile appeared on the face of the Medicine Elder.
They seemed to find the boy quite amusing.
As someone who needs to borrow money.
They actually want to impose conditions on the lender?
"You say."
The Medicine Elder apothecary stared intently at Ye Xiao.
Ye Xiao seemed to have made up his mind.
He gritted his teeth and said, "Since I'm going to take out a loan, I'll take out the entire amount at once!"
"I want the Martial Strengthening Pill!"
"Then I saw that there were also Spirit-Condensing Pill and Nirvana Pill here!"
"We need 100 of each of the four grades of these two types of pills!"
These words were spoken.
Even Cai Shi was taken aback.
Ye Xiao is truly asking for the moon!
This scene has a distinctly rebellious feel to it!
The Medicine Elder was eyeing Ye Xiao's interest.
Ye Xiao, however, was eyeing Medicine Elder's principal.
"That kid!"
Cai Shi chuckled inwardly.
"Borrowing so many pills at once, isn't that putting Medicine Elder?"
"If Medicine Elder says he won't lend money, wouldn't that make it seem like he doesn't have enough capital?"
"If Medicine Elder lends the money, then Ye Xiao will be completely in debt, and those pills are worth a fortune!"
"What if Ye Xiao is just looking for a one-off deal and doesn't repay the loan?"
Cai Shi believed that Medicine Elder must have thought of the same consequences as him.
As Ye Xiao turned the Medicine Elder.
The Medicine Elder suddenly laughed.
"Okay, very good."
"You're putting pressure on me now."
"You have some guts."
He looked at the amount required to exchange for the relevant pills.
[ Spirit-Condensing Pill (Small). Effect: Slightly increases spirit. Exchange Requirement: 8 Credit.]
[ Spirit-Condensing Pill (Medium). Effect: Moderately increases spirit. Exchange Requirement: 12 Credit.]
[ Spirit-Condensing Pill (High). Effect: Greatly enhances spirit. Exchange requirement: 15 Credit.]
[ Spirit-Condensing Pill (Special). Effect: Greatly increases spirit. Exchange requirement: 20 Credit.]
[ Nirvana Pill (Small). Effect: Enters a Nirvana state, causing minor evolution of flesh and bones. Exchange Requirement: 12 Credit.]
[ Nirvana Pill (Medium). Effect: Enters a Nirvana state, moderately evolving flesh and bones. Required for exchange: 16 Credit.]
[ Nirvana Pill (High). Effect: Enters a Nirvana state, greatly evolving the body's flesh and bones. Required for exchange: 20 Credit.]
[ Nirvana Pill (Special). Effect: Enters a state of nirvana, greatly evolving the body's flesh and bones. Exchange Requirement: 25 Credit.]
Then he waved his right hand.
A blank sheet of paper and an ink pen landed in his hands.
As his right hand flew about.
The relevant loan details were listed prominently above.
At this time...
Cai Shi leaned close to Ye Xiao's ear and reminded him.
" Ye Xiao, you have a good eye. You've chosen the things with the highest Credit."
"But you'd better think it through."
Earning these Credit isn't an easy task.
"And they have to earn that much within a month!"
After listening to Cai Shi's reminder, Ye Xiao...
He knew what was going on, but remained silent on the surface.
Until the Medicine Elder finished writing.
Then a loan slip was thrown in front of him.
Ye Xiao reached out and grabbed it.
He looked directly at the final loan amount.
15,300 Credit!
It was written prominently below.
"20% monthly interest!"
"If the debt cannot be repaid within three months, it will be considered an inability to repay, and the debt will be repaid by physical labor, requiring the signing of a contract of servitude."
See the last line of text.
Ye Xiao was completely dumbfounded.
The Medicine Elder actually added more conditions?
If he can't repay the debt in three months, will he be forced into prostitution with the Medicine Elder?