Longevity starts with dual cultivation

Chapter 10 Loan
Ling Changqing didn't have to wait too long before Tang Qiuyao came back.

Seeing that the young man in blue shirt was still meditating and practicing obediently, the female deacon felt slightly satisfied. He was indeed a little guy who was willing to work hard. No wonder Ling Zifeng was willing to appreciate him.

"The bank is not far from here, let's go there now!"

As Tang Qiuyao spoke, the gorgeous flying boat lifted lightly into the air, turned and flew towards the southeast corner.

Ling's Bank is also a magnificent palace with strict security.

There are nine levels of white jade steps in front of the gate, and groups of Ling family monks are standing guard in formation. Behind the screen wall, there are also many bronze-skinned and iron-boned Taoist puppets on standby at any time.

The internal defense array is also on alert at all times and can be fully activated in the event of an accident.

After all, a large amount of spirit stones and various cultivation resources are stored here, which are all public property of the family, so the guard level will naturally not be low.

Tang Qiuyao, Ling Changqing and two maids walked straight in. The elder who was in charge of the bank, who had received the news, had hurried out to greet them.

Ling Changqing took a look and saw that this elegant old man in gray robe was also at the eighth level of Qi training. His aura was majestic and dignified, even superior to that of Tang Qiuyao.

"Deacon Tang, what instructions does the Patriarch have?"

The elder named Ling Yunfeng asked gently. The other party was the confidant of the patriarch, so he did not dare to neglect him even though he was a high-ranking member of the family.

Tang Qiuyao smiled slightly and said, "The head of the family has nothing to do for the time being. I came here this time to handle some private matters entrusted by someone."

"Private matter?"

Ling Yunfeng was a little surprised, but he didn't say much. He nodded and said, "If that's the case, Deacon Tang, please come in and talk."

Then, several people entered a luxurious and exquisite quiet room, sat down as host and guest, and maids came over immediately to serve tea and snacks.

Tang Qiuyao did not keep the person in suspense and explained the reason in a few words.

"I see."

Ling Yunfeng looked at the young man in blue standing beside Tang Qiuyao and asked:

"Since Deacon Ling Zifeng is guaranteeing it, do you have a token as proof?"

"Here is the token, please examine it, Elder."

Ling Changqing took out a white jade token and handed it over. This was handed to him by Ling Zifeng personally before he left.

Ling Yunfeng took it and looked at it. In fact, this was just a routine matter. Naturally, there couldn't be any problems with the person brought by Tang Qiuyao herself.

"In that case, I wonder which type of loan this young man plans to choose? You can choose two."

Ling Yunfeng asked with a smile, "Being able to get a deacon to agree to guarantee, and Tang Qiuyao had no objection, it showed that this young man was indeed extraordinary?"
Ling Changqing answered truthfully: "I don't know the details of this resource loan, so I would like to ask the elder to explain it to me."

"It's okay, let me explain it to you..."

At Ling Yunfeng's signal, a maid beside him spoke and took out a jade slip for Ling Changqing to read.

To be honest, the loan rules and types of money houses are not complicated. Not to mention the high-end ones, there are only a few types that are suitable for Ling Changqing.

"Then...I'll choose this installment payment method, right?"

After a brief consideration, Ling Changqing made a decision.

The total amount of this kind of loan is 3,000 low-grade spirit stones. And the borrower can choose to receive spirit stones, or elixirs, talismans, magic tools and other resources of equal value.

As for the repayment period, it is three years later and can be repaid in ten installments, with a monthly payment of part, and the interest rate is 35%.

The interest rate is a bit high, but think about it, this is a world of cultivation in a time of great strife. For lower-level cultivators in difficult situations, it’s good enough to have a place to borrow resources. How can you expect more?

Ling Yunfeng smiled and said, "My dear, isn't three thousand low-grade spirit stones a little too little? You are here under the guarantee of Deacon Ling, so you can choose a higher amount!" "For example, the ten thousand low-grade spirit stones, as long as you choose, you can exchange them for a few Qingyuan Yunlu Pills, which are high-quality ones without impurities and poison."

"As long as you take this pill, you will be able to break through to the fifth level of Qi training within three months. If you are lucky, you may not be too far from the sixth level of Qi training. Isn't that even better?"

"..."

Ling Changqing frowned slightly and was about to speak, but he caught a glimpse of Tang Qiuyao's slightly subtle expression out of the corner of his eye and reacted instantly.

"No, I'll just choose this one with a limit of 3,000."

Ling Changqing said calmly: "If it's too high, I'm not sure I can pay it back in the future, so it's better to be safe."

Ling Yunfeng's eyes were deep: "Have you really decided?"

"Well, I won't change it."

Ling Changqing said in a firm tone.

Perhaps other cultivators all hope to borrow as many cultivation resources as possible at one time, but the more comfortable they are in spending the resources now, the more painful it will be to repay the loan in the future.

The illusion of most borrowers is that they can repay the loan on time, but the result is often contrary to their expectations.

The consequence of overestimating your abilities is to lose everything and become a slave, with no chance of turning things around in your life.

The monk slaves on Chanxin Island always do the hardest, most tiring and most dangerous work. They adhere to the principle of working until they die as long as they are not killed.

Ling Changqing didn't want to lose everything because of a wrong step.

Ling Yunfeng looked him up and down for a long while, and suddenly smiled: "Young man, your mind and determination are really extraordinary. I have been in charge of the bank's affairs for so many years, and it is rare to see young people like you."

"Okay, I'll do as you say! Then what about the martial arts manual? Which one are you going to choose?"

The second type of lending is in the area of ​​martial arts books and scriptures, that is, Ling Changqing can choose a suitable martial arts book and technique from the list to practice, and then repay it with a corresponding number of spirit stones based on the grade of the martial arts book and technique.

Of course, the repayment period for this type of loan is more relaxed. You can start repaying after ten to fifteen years, and you can repay it in installments.

If you really can't pay it back, you can choose to work for the family to offset the cost.

"I choose Xuanzhen Black Water Scripture."

This time Ling Changqing did not hesitate and spoke in a firm tone.

Now even Tang Qiuyao showed a look of surprise. The Xuanzhen Black Water Sutra is the Ling family's clan martial arts. Theoretically, it can be cultivated to the great perfection of the Golden Core Realm. It is the best martial arts book that can be chosen in a bank.

If you are a direct descendant of the Ling family, you can practice for free since childhood without paying any extra price. However, distant descendants like Ling Changqing do not have such treatment.

The quality of the martial arts manual is directly related to the solidity of the foundation of cultivation, as well as the possibility of further advancement in the future, so Ling Changqing does not intend to be stingy in this regard.

Even if the pressure of repaying the loan in the future will be great, after all, it will be fifteen years later. I think with the help of Jiyuan Star Palace, I should be able to afford it.

Ling Yunfeng nodded: "The Xuanzhen Black Water Scripture is the family's family-protecting martial arts method. Only the children of the Ling family can practice it. If you don't have the last name Ling, you can't exchange it even if you have the resources."

"You can now get the first part of the Xuanzhen Black Water Scripture at a discount of 10,000 lower-grade spirit stones. After 15 years, you can repay it in 20 installments, paying a portion every month."

"As for the middle and lower parts, the price required is even higher, and you will have to pay a corresponding amount of family merit to get what you want. Now that your cultivation is still low, you don't have to consider it."

It’s really not expensive…

Ling Changqing sighed, nodded and agreed.

(End of this chapter)