Two hundred thousand spiritual money is placed in the mortal world, which is equivalent to several hundred million. When placed in the cultivation world, even if it is a spiritualist-level existence, few people can take it out casually. Take two hundred thousand in mind.

For students, this is a huge sum of money!

Tang Jie's lion opened his mouth, and it was two hundred thousand at a glance. Even Madam Shui could not catch his breath.

Glancing at Tang Jie, Madam Shui said, "You can speak up. For 200,000 yuan, can you get the corresponding mortgage?"

Tang Jie smiled and said, "The kid still understands the rules of the academy. The highest pledge is one to five, right?"

Lending requires a pledge, but Lingtai Pavilion’s lending has always been to help students as the main purpose. Naturally, it will not simply be as much as there are mortgages, but will be divided according to the reputation, status and ability of the students.

It is usually classified as five grades. The worst is one to one, and how much money can be borrowed when there are mortgages. The highest is one to five. One dollar of collateral can be borrowed five times as much.

And this kind of rating is generally closely related to the performance of Shenbing Fighting. Basically, to obtain the highest five-level loan limit, you must first obtain the invincible evaluation.

But Tang Jie's situation was obviously different.

Hearing Tang Jie's words at this moment, Mrs. Shui also understood a little: "So you were prepared. Speaking of which, although you are not a student of invincible evaluation, you have set a record, and you have surpassed the Tiger's Peak and rated a level five. It’s not too much. But... Even so, you have to have 40,000 pledges."

"That's why I asked my wife for help." Tang Jie said with a smile: "I have some money here, and I can also put the heartbroken knife and Yinxiao needle on it. If it is not enough, I will borrow it in batches and use the puppets as collateral... "

He is playing the trick of subprime loans.

Use the borrowed money to make goods, and then use the goods to borrow money.

Qixiajie does not have the concept of subprime mortgages, and is relatively cautious about risks. However, the student loan itself has a certain degree of credit pledge, which allows a certain degree of risk. In addition, the rule of man in this era is relatively high, so a small sub-prime loan may not be impossible.

It's a pity that Mrs. Water still shook her head: "That won't work!"

Tang Jie wants too much, this is no longer a matter of mortgage.

The 200,000 loan, just the interest of thousands of lings per month, he can't afford to pay any student.

After all, the purpose of borrowing is to collect money, so all considerations must be based on the counterparty's ability to repay.

Don't say that you are just a student of the Lingquan rank, even if you are invincible in Linghai, as long as you don't have the ability to earn a thousand dollars a month, don't even want to borrow two hundred thousand dollars.

"In that case, borrow one hundred thousand." If two hundred thousand fails, Tang Jie retreats and seeks second place.

Mrs. Shui was unable to make it by him, and smiled: "Tang Jie, don't blame me for talking about you. You are a person who has a good mind and works hard, but you have a bigger heart. You just say that you are a puppet. Will the one hundred thousand and two hundred thousand go down? Cultivation world, after all, cultivation is the right way. After taking this one hundred thousand to make a puppet, you will win the first place five times a month, sweeping Tigers and Tigers Valley, and you won’t be able to make a profit. The capital comes."

Competition also has to consider cost.

Why can't a group of students take the demon tiger of Huxiaoshan, Tang Jie can take it alone?

Not because he is better than a group of students, but because he does not hesitate on capital, does not care about profits, and is willing to trade at a loss.

Victory like this is meaningless in itself if it is not for him to pursue otherwise!

But the same method used to run rampant in the academy is not worth the gain.

Mrs. Shui is very optimistic about Tang Jie, but she is not optimistic about Tang Jie's "project", so no matter how important Tang Jie is, it is impossible to agree.

But in this matter, Tang Jie no longer gave in.

"Please raise your hand high, Madam, as long as the wife is willing to borrow, the students can accept the monthly interest rate of three cents."

"The monthly interest rate is three cents?" Mrs. Shui sneered: "You are so big, that is three thousand dollars a month. What are you going to pay?"

"Take me." Tang Jie replied: "If you can't get out yet, why not sell me to Lingtai Pavilion!"

Mrs. Water was about to say that you are not worth the price, so she heard a voice ringing outside the door: "Lend it to him."

But Xie Fengtang appeared at the door.

"Fengtang?" Madam Shui looked up in amazement: "Why are you here?"

"It's not this kid yet." Xie Fengtang pointed to Tang Jie: "You don't think he will come over to borrow money from you unprepared?"

It turned out to be like this. Tang Jie actually asked Xie Fengtang to move Xie Fengtang in order to borrow money.

Knowing this, Madam Shui glared at Tang Jie.

Although she is not afraid of Xie Fengtang, Xie Fengtang is the dean of Xiyue Academy. Since he decides to borrow, she doesn't have to fight for anything. She can only say: "If this is the case, then I will lend you, but it's no wonder that I didn't remind you. , If you are unable to repay, beware of being overwhelmed by debt."

Mrs. Shui refused to lend him, and was also concerned about him, after all, she didn't want him to bear too much pressure too early.

It's just that where did she know that Tang Jie's burden now has already exceeded ordinary people's imagination.

Tang Jie already smiled and said, "Madam cares, the kid saves it."

Mrs. Water took out a piece of talisman paper, and while writing the IOU on it, she said: "Since you want to borrow money, then the rules must be clearly explained to you. I don't want your three cents, one cent per month. Half, pay back every month. The principal is paid back a quarter every half year and settled in two years. As for your pledge, let’s forget it, my Lingtai Pavilion is not rare. Anyway, if you can’t afford to pay it back, someone from your own monthly sect will look for it. You want the account, and then everything you have to repay the debt, that is, you must sell yourself according to the price difference to make up...With your current strength, you can sell it for a lifetime."

"That's natural!" Tang Jie agreed.

Having explained all the matters that should be paid attention to, Mrs. Shui handed the IOU to Tang Jie: "No problem, just put a blood mark on it."

Tang Jie didn't look at it, and directly bit his finger and stamped a heavy red blood mark on it.

This IOU uses a special type of talisman paper. Once you drop your own blood on it, it is equivalent to positioning yourself to the owner of the IOU. Unless you escape from Qixia Realm, you can find it no matter where you are.

After finishing this matter, Mrs. Shui handed over one hundred pieces of spirit jade to Tang Jie, and Tang Jie took the money and left.

Mrs. Shui then looked at Xie Fengtang, her eyes groaningly: "You are a real person, why did you agree to lend him the money? He is a little elementary school student, what will he get back then?"

Unexpectedly, Xie Fengtang replied: "What I want is that he has no money to return it. There are some things you don't know, so you don't need to ask."

Said and left with a big laugh.

The patience of Tang Jie during the Moon Washing Party was also gradually disappearing, but he never found any opportunity to ask questions.

Now Tang Jie owes a huge debt of 100,000 yuan, and if he doesn't come out by that time, it will be a chance to wash the moon.

For this opportunity, how can Xie Fengtang let it go?

————————

Taking the money and leaving, Tang Jie walked around Lingmiaofang freely.

With a huge amount of money, he saw all good things this time.

The fifty-year-old purple tuckahoe, the hundred-year-old ice lotus, the 30-year-old chalcedony, and even the demon pill that was born out of the ordinary realm are all in his search.

Yes.

All are herbs used to practice Lijing.

From beginning to end, Tang Jie didn't plan to make a 100,000 yuan puppet.

The biggest problem with ancient lending lies in the inadequate supervision of how the borrowed money is used.

Lenders have always only cared about the borrower’s ability to repay, and what should be done if it can’t be paid back. As for how to prevent customers from not paying the money, and monitoring finances, it’s never the lender’s consideration. The existence of "recourse of IOUs" has greatly reduced the possibility of borrowers fleeing, so that no one would even want to see how Tang Jie uses the money.

With an unprecedented huge sum of money, Tang Jie ransacked in Lingmiaofang like this.

This was also his biggest consumption since he entered the academy. Nearly 110,000 of his money was squandered by him in just an hour.

When he returned to Tao Ranju with large and small bags of precious materials, he searched almost all the rare materials on the entire Lingmiaofang, so that there was no source of medicine in the college for a short time, and the price of the materials was also for a while. Soaring, but this has nothing to do with Tang Jie.

When he returned to Tao Ranju, Tang Jie burned a large bucket of water, processed the herbs, poured them into the basin, and started the fourth refinement.

This was also his largest refining so far. Under the medicated bath, he just operated his mind for a while, and a large amount of medicinal properties permeated his skin and poured into his body along with the water vapor.

The body that is extremely exhausted due to excessive blood loss during the day is like a baby waiting to be fed, greedily absorbing every bit of nutrients, and there is no concept of emptiness and no supplement.

Tang Jie's body is like a bottomless pit, and all the benefits can be filled.

In this medicine mist, Tang Jie's body also undergone subtle changes.

His skin became more and more white, with a faint jade-like luster, warm and elastic, but no one knew that under this seemingly quiet appearance, it was full of powerful, almost violent power.

Tang Jie felt that there was heat in his body, and he wandered around his body frantically, an indescribable force flooding him, and he couldn't help but want to scream and fight!

That comes from the desire to vent from the exuberant vitality.

However, Tang Jie knew that he had to hold back, and his mind was running at full speed. The steaming water vapor gathered above his head into a cloud-like existence, spinning strangely, Tang Jie's face was already flushed with blood, under the steaming water mist. Constantly changing colors...

The refining time this time was extraordinarily long, from the afternoon until the next day, it was considered that the medicine was fully absorbed.

When he came out of the medicated bath, Tang Jie swept away the depression after the blood loss, and his whole person became energetic, as if he had been reborn, and he had a completely different feeling.

It was an indescribable feeling, the surrounding scenery became a little different again, and everything around did not change in any way, but in Tang Jie’s eyes, he just swept across it with a single glance, as if he had seen any point at the same time. The presence.

Everything is in sight!

Everything is in the bottom of my heart!

The realm of microcosm.

At that moment, Tang Jie had already understood that he had reached the state of nuances often said by cultivators.

The so-called subtlety is actually an expression of the cultivator’s ability. After the cultivator reaches a certain level of refinement, the five senses, five internal organs and other functions will be greatly strengthened. His vision, hearing and other perception abilities will be greatly increased, internal hematopoiesis, and regeneration. Such capabilities have been greatly improved.

The subtlety is one of the manifestations, which makes the observation more detailed ~ lightnovelpub.net~ Looking at the past, there is nowhere to hide.

Above the subtle level, there is a hole in the void, breaking the delusion, no magic is required, only the naked eye can penetrate the nether, see through life and death, and break the delusion, but it is a higher level, which Tang Jie can't reach for the time being.

Unexpectedly, a medicated bath would make himself into the micro, Tang Jie also had to admire, although the method of the master of the war was expensive, but the effect was really nothing to say.

At this time, his body skin was as white as jade, and he was truly a body of jade.

The body of jade, the golden marrow of jade, strengthens the internal organs from the outside to the inside. The reason for this is that it can be subtly.

On the contrary, in terms of power, although Tang Jie felt that it was much larger than before, it was limited compared to the 110,000 investment.

Tang Jie knew that on the one hand, the effect of this refining was from the outside to the inside, and the inner strength was the main reason. On the other hand, it was because he had not further developed it.

The physical changes brought about by Lijing are mainly the improvement of physical potential, three-point effectiveness, seven-point potential, and it needs to be polished in the later stage to truly play its role, and the polishing method determines the direction of potential development.

The same is the practice of Lijing, which can be fierce and offensive, can be long-strength, can be extremely powerful, can be copper-skinned and iron-boned, and can also be undead with super strong recovery ability.

Tang Jie's training in the Heavenly Palace made his first few stages of Lijing mainly manifested in defense. With the condensation cover and the non-phased golden body, even if he stood there to be beaten, ordinary students would not be able to move.

As for how the potential this time brings will develop, it depends on his own life experience and choice of direction.

Even so, Tang Jie's strength at the moment was already advancing by leaps and bounds.

The smashing of the medicine materials of the 110,000 spiritual money will bring about the physical quality that even the cultivator of the Beyond-Earth Realm and Hundred Refining Stage can't match.

Under Sven's appearance, a violent beast has been dormant!