Chapter 168 The breeze blows on the spirit tree
Previously, when Mingyue Palace was uprooted by the black-clothed Hedao, it also took many other similar organizations with it.
Li Fan speculated at the time that these organizations might not have followed suit after seeing the Mingyue Palace's great cause of crossing the Fa in full swing.
Rather, these organizations are already engaged in lending-related businesses.
After seeing the huge profits Mingyue Palace generated every year, I couldn't help but imitate it.
Daoyuan Prefecture has it, and Cong Yunhai should naturally have a similar organization.
If you want to get rich suddenly, how can you do it without using leverage?
Li Fan planned to take advantage of the huge fluctuations in the price of Lingwu grass to make a fortune.
Naturally, the help of these lending organizations is needed.
But whether it was before or in this life.
Li Fan inquired in many ways but could not find any trace of him.
It's clear that this organization is treading very carefully.
So, Li Fan came to He Zhenghao to find out more about him.
As expected, He Zhenghao did not disappoint him.
"Fellow Taoist, you'd better think again before going to Qingfeng Hall."
"They won't lend you your contribution points in vain. They have to pay a high interest rate of 18% every year."
"It's okay if you make a profit, the interest can be paid off quickly. If you make a loss..."
He Zhenghao's eyelids jumped: "I'm afraid I have to work for those guys for more than ten years for free."
Li Fan cupped his hands and said, "Fellow Taoist asked me to write it down. But please don't worry, I know it well."
"I won't bother you anymore. We'll talk about it next time."
After that, Li Fan returned to Ten Thousand Immortals Island through the teleportation array.
Go straight to Qingfeng Hall.
In the corner of the outermost area of Ten Thousand Immortals Island, I finally found it.
It is inconspicuous, and there is no difference between it and an ordinary small shop.
Li Fan activated a hidden talisman and walked in.
A rather slovenly-looking old man was sleeping on a recliner behind the store cabinet.
A visitor came in without opening his eyes.
Still shaking his chair with his eyes closed.
Li Fan followed He Zhenghao's instructions and took out the dark green jade medal.
"Dududu."
The old man knocked on the cabinet three times.
The dark green jade plaque gave off a faint light, forming a door.
Li Fan looked around for a moment, then walked into the door.
The figure disappeared, and the green door shadow also disappeared.
As for the old man, his posture didn't change at all from the beginning to the end.
It seemed that no one had ever been to Qingfeng Hall.
The surroundings first fell into darkness, and then lit up again.
Li Fan looked around and found that he was under a big tree.
And the effect of the Hidden Shape Talisman that was just activated was actually lifted instantly.
The branches are luxuriant, and the leaves are like jasper, giving off a lustrous luster.
But on the tree, a human face appeared.
It stared at Li Fan and asked aloud: "Who introduced me and what are you doing here?"
Li Fan faced the tree face and said loudly: "He Zhenghao, the guard of Liuli Island, introduced me. I want to borrow something from your Qingfeng Hall."
Tree-faced reaction seemed a little slow.
After Li Fan finished speaking, it took a long time for it to reply: "Monks in the late stage of foundation building can borrow up to 30,000 contribution points."
"The interest is 16% per year, and you can choose how to repay it."
"The maximum period of arrears shall not exceed ten years."
…
Shulian slowly introduced Qingfengtang's business to Li Fan one sentence at a time.
After finishing speaking, Li Fan just said with some dissatisfaction: "How can I borrow a total of 30,000 contribution points? It's not enough at all."
"I am twenty-nine years old and in the late stage of foundation building. I have a bright future. Can you give me more preferential treatment?"
Tree Face tried to open its eyes wide and stared at Li Fan carefully.
After observing for a while, he said: "You can borrow up to 40,000 contribution points."
Li Fan was a little impatient: "Only 10,000 contribution points added? This is too stingy!"
"When I was in Yuandaozhou, I was still in the middle stage of foundation building. I can borrow 70,000 to 80,000 contribution points from Mingyue Palace at once!"
"How come you, Qingfengtang, are so bad!"
"Brother Shu, can you make the decision? Otherwise, let's talk about it with someone else who can make the decision?"
Li Fan said carelessly, but glanced in a certain direction calmly.
The branches above the head moved automatically in the absence of wind, and the green leaves swayed gently, making a rustling sound.
The tree face stared at Li Fan expressionlessly.
Li Fan also showed no fear and stared at the tree face.
After a long time, Shulian finally said slowly: "Fifty thousand, no more."
Li Fan looked very regretful, and then said: "Oh, by the way. What I want to borrow is not the contribution, but the Spirit Mist Grass. Can you borrow it?" He blinked and stared at the tree's face.
The invisible wind seems to be getting stronger.
The branches and leaves shook more and more violently.
"Yes. If you borrow something, it will not be calculated based on interest, but based on the amount borrowed." The tree said in a dull voice with a gloomy face.
"If it is returned within the first year, the amount required to be repaid will be calculated based on 130% of the amount borrowed."
"The second year, one hundred and six percent."
"In the third year, it will be 200%."
"You can only borrow it for a maximum of three years."
Li Fan was shocked when he heard this: "So dark?"
But looking at Shu Lian, who looked unhappy, he immediately chose to shut up.
The bargaining started again: "If I want to borrow something, can you lend me more?"
Shulian ignored Li Fan.
Seeing this, Li Fan had no choice but to give up with regret.
"Then how many Spirit Mist Grasses can I borrow now?" he asked.
"Two thousand seven hundred trees." Tree Face said in a muffled voice.
Li Fan muttered a few words, not knowing what he was talking about.
"Okay! I'll borrow it! What procedures do I need to go through?" Li Fan seemed to have made up his mind.
A piece of green leaf slowly floated down from the top of his head and landed in front of Li Fan.
Holding it in his hand, pieces of information suddenly appeared in Li Fan's mind.
Surprisingly, this was exactly what Li Fan had just agreed with Shu Lian.
"If you agree, just use your spiritual power to refine this green leaf."
Li Fan nodded, and then wrapped the green leaves with spiritual power.
The green leaves were refined in an instant, and a slightly invisible pattern of green leaves appeared on the inside of Li Fan's left arm.
"After the debt is paid off, the tree deed will disappear."
"Wait a moment and I will send you the Spirit Mist Grass you borrowed."
After Tree Face finished speaking, he disappeared from the tree and went nowhere.
Li Fan took this opportunity to raise his head and look at the big tree.
Shu Lian's strength gave him a strange feeling.
It is obviously much stronger than the Nascent Soul Lord, but much weaker than the Immortal Lord of Transformation.
Moreover, there are no traces of formations in the space here, and it seems to be naturally generated.
Li Fan looked around with interest.
After a while, the tree face reappeared.
It opened its mouth and spit out a storage ring.
"The spirit mist grass is all inside."
"The transaction is completed, you can leave."
"Remember to pay your debts on time, otherwise..."
Before Li Fan could say anything, Tree Face expelled him from this space.
Under the big tree, strands of green light gathered, forming a blurry green figure.
"Borrowing so many Spirit Mist Grasses? Interesting."
A clear female voice came from it.
"Is it possible that the price of Lingwu Grass will still fall?"
"Ah Liu, I've been keeping a close eye on you lately."
Tree-faced replied in a muffled voice: "Okay, miss."
"Miss, that guy just now was really annoying."
The green figure chuckled: "It's quite annoying."
"But which company does Mingyue Palace belong to? Why have I never heard of it?"