This is survival, why don't you put it aside for health preservation?

"That is to say, if the expanded pumice we sell in a day expands the area of ​​the island, we can earn at least more every day in the future: 60 + 191 + 157.5 ≈ 409 expanded pumice."

"So, boss, our interest expense is at least: 3 yuan, 409 yuan per day."

"The daily loan interest rate is: 1.3633%."

"Of course, this calculation is not rigorous. After all, if we don't loan out the 3 yuan, the 409 pumice stones we earned from opening the blind box can continue to expand the area, and we can open 4 more ordinary blind boxes. "

“4个普通盲盒，能开出水：4*35%*200ml=280ml，能开出面包：4*35%*300g=420g面包，以及扩展浮石：4*20%=0.8块。”

“水：280ml/110ml/块≈2.55块扩展浮石，面包：420g/200g/块=2.1块扩展浮石。”

"The total income is 2.55+2.1+0.8≈5.5 pieces of expanded pumice."

"100/5.5≈18."

"That is to say, within 18 days, none of the benefits brought by the 409 expansion blessings will enable us to open an additional blind box."

"So, our loan time can be roughly divided into 18 days and 18 days."

"(Let x be the number of days.)"

"The daily interest rate within 18 days is: 1.3633%+5.5x/30000"

“18天-72天的日利率为：1.3633%+5.5x/30000+[(5.5/4)/30000]”

(To test everyone, I will not write the detailed process of 18-72 days, lest you say that I am not counting words. But after reading the results, do you know how to get this calculation result?)

"Interest after 72 days..."

Seeing that Xinqing was still planning to count down, Li Tian hurriedly stopped her.

"Okay, okay, Xueba, we don't understand what you say."

"However, even if the daily interest is added to the additional calculation later, it is less than 2%. For 3 expanded pumice stones, the daily return is less than 600 expanded pumice stones, which is too low."

Li Rou interjected playfully at this time, "Brother, are you stupid!"

"Brother Xinqing just calculated the interest for us to protect our capital. As long as it is not lower than the interest calculated by Brother Xinqing, you can set as much interest as you want?"

Li Rou's words can be said to awaken the dreamer with one word.

Only then did Li Tian understand, "Yeah, maybe I was sleepy because of my heart, and I didn't turn my mind for a while, which made you laugh."

"I am a business provider, how much interest I want to charge is not up to me?"

"But Brother Biao is right. We can provide short-term loans first, roughly divided into 3 days/7 days/14 days. It is not necessary for too long."

“3天日利率暂定：10%，7天日利率暂定：15%，14天日利率暂定：20%！”

heard.

Li Rou also calculated, "10% daily interest rate? If you borrow 100 yuan to expand the pumice stone, wouldn't you have to return 130 yuan with interest in three days? It seems to be okay!"

"For those survivors, it may not be unacceptable! After all, by spending 30 extra pumice stones, one more material blind box can be opened in advance."

At this time, Li Erbiao, who was relatively calm, frowned again and looked at Li Tian.

"But brother, I still don't understand. Even if there is a contract generator, if the survivor who borrowed the loan doesn't have so many pumice stones to return on the repayment day, how can we take them back?"

"It's impossible to take his life, right?"

When Li Erbiao asked such a question, Li Tian was also taken aback.

It seems to be the case.

The contract generator just said that it will force the other party to perform the contract, but if the other party really doesn't have so many expansion pumice stones, it seems useless to force it, right?

At this time.

The system intervened and reminded me.

【Master, Tongzi can answer this for you! 】

[If the contract signer fails to perform the contract according to the content of the contract, the contract related to the item will force the contract signer to return all the contract items obtained in the subsequent survival to the contract initiator as soon as possible.If it is a labor-related contract, the contract signer will be forced to be sent to the host island for dispatch by the host until the contract signer completes the corresponding labor force. 】

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Stay tuned for another chapter!

In addition-

Thank you "Prime Minister Long" for the blade!

Thank you "Boring Mercury" for your likes!

Thank you ".......Kite" for sending us Power Generation with Love!

Thank you "Beaver Nine Nights" for sending flowers with the balance!

The above list of thanks, in no particular order, regardless of value, is purely random selection.

Don’t think too much about other book lovers who are not on the thank you list, and sincerely thank any of you who supported this book!

131. Storage business

After hearing what the system said, Li Tian couldn't help twitching the corners of his mouth.

Talked to the system in my heart.

"So, if the other party is overdue, the only way to do it is to ask the other party to make it up as soon as possible?"

【correct. 】

"But this is still overdue."

[This is impossible. The machine can only force the mind of the person who signed the contract, but if the other party really cannot perform the contract on time, it can only be overdue. 】

"alright."

After ending the conversation with the system.

Li Tian also told everyone what the system told him.

When everyone heard it, they also paused.

After co-authoring and discussing for so long, there is still a problem of overdue.

"However, brother, if it's overdue, it's overdue. As long as it can be paid back, it doesn't matter, right? Otherwise, there will be a liquidated damages clause in the contract."

Li Erbiao looked at Li Rou, nodded, and praised: "Your child's brain is quick. This method is good, but it has a way out with our original plan."

"The purpose of our loan business is to make money and develop the island! It's not for charity."

"If everyone is overdue, the development of our island will be seriously slowed down."

Hearing this, another thought came to Li Tian's mind.

"To put it bluntly, we are actually worried about this and that. We just think that if we use the island's daily profits to expand the pumice and then loan it out, it will affect the development of the island if we can't get it back for a long time."

"Then how about we use the expanded pumice stones of other survivors and loan them to another survivor? Wouldn't the development of our island itself not be affected?"

Hear this.

Li Erbiao also understood, "Do you want to open a savings business by the way? Do you really want to open a bank on the island?"

"But anyway, this is a good idea, isn't it?" Li Tian showed a smirk, noncommittal.

Everyone nodded their heads, full of anticipation.

Open a bank!

Who doesn't want this!

You know, when the mainland was civilized, it was the dream of many people to open a bank!

At this time, Dai Xiaomei asked more rationally: "But Li Tian, ​​why do you think other survivors have expanded pumice stones and still store them? And they dare to store them here?"

this problem.

Li Tian also considered it.

As long as the interest is stored for the other party, it will be fine.

In the early stage, relying on Tiangong's reputation, no matter what, it could attract some people.

In the later stage, as it gets bigger and bigger, those who still have doubts will let go of their doubts?

Therefore, Li Tian told everyone what he thought in his heart.

When everyone heard it, it seemed that it really worked.

Ever since, after the matter of loan interest was resolved, Li Tian and others began to think about storing interest again.

Li Tian doesn't plan to calculate the storage interest based on the interest rate.

This is too much trouble.

The main reason is that others store the expanded pumice stone in their own place, without the intervention of the contract generator at all, so naturally the simpler the better.

“不然就给个档位吧，10块扩展浮石，7天/14天的储存利息为：200ml水/500ml水得了。”

"Anyway, our fresh water resources are at zero cost, and the right is sold. This way, there is no need to waste expanding pumice."

"If this is the case, we can pay the interest to the other party in advance, and those survivors can feel at ease."

One listen.

Li Erbiao nodded in agreement, "That's a good idea, otherwise, if the pumice stones were also used as interest, everyone would have a headache calculating the interest, and there is no calculator here."

"The stalls, how many stalls should we divide into?"

“雨露均沾吧，10块/100块/500块/1000块/5000块/10000块。”

"Each gear is also divided into 7 days/14 days."

Then, after everyone's discussion.

The plan to store interest is also considered to be done.

10 Expanding Pumice Stones:

The 7-day interest is 200ml of fresh water, and the 14-day interest is 500ml of fresh water. (It can also be replaced with equivalent food)

100 Expanding Pumice Stones:

The 7-day interest is 2l of fresh water, and the 14-day interest is 5l of fresh water. (It can also be replaced with equivalent food)

500 Expanding Pumice Stones:

The 7-day interest is 10l of fresh water, and the 14-day interest is 25l of fresh water. (It can also be replaced with equivalent food)

1000 Expanding Pumice Stones:

The 7-day interest is 50mlc-grade water, and the 14-day interest is: 120mlc-grade water.

5000 Expanding Pumice Stones:

The 7-day interest is 250mlc-grade water, and the 14-day interest is 600mlc-grade water.

10000 Expanding Pumice Stones:

The 7-day interest is: 500mlc grade water, and the 14-day interest is 1.2lc grade water.

If you spend more than 10000 yuan on pumice stones, you can chat privately.

The reason why different grades of water are used as interest is naturally different from person to person.

After all, if someone can really take out 5000 expansion pumice stones, they may not be short of ordinary fresh water.

And the c-grade water can just attract them to store it.

After all, after storing the expanded pumice stones, after the number of days is reached, the original number of expanded pumice stones will be returned, and a large amount of C-grade water can be drunk. Most people would be willing.

For Li Tian.

This is not a loss. Although 500ml of C-grade water is calculated based on the price of 10ml/10 expanded pumice stones, it is worth 500 expanded pumice stones, which is obviously too much interest.

However, C-grade water has to be sold to be worth the money.

If you can't sell it, stay here, the value is 0!

Because Li Tian and others don't like this water, they don't know how to drink it at all.

After all, even those animals and even the crops in Mr. Wang's hands are drinking SS-grade water.

Therefore, Li Tian didn't think it was a waste to use C-grade water as interest.