Martial Arts: Start by Obtaining the Wild World

Chapter 291 0290: The First Loan
Day three.

Cheng Zongyang sat down with Yu Wenlin and the other two in the living room on the first floor, ready to discuss business.

During these three days, the three men went out early and came back late every day, wandering around the entire Zi'an County and learning about everything.

Cheng Zongyang ignored them and gave them a dozen spirit stones as meal expenses for the sake of humanitarianism.

Although it’s okay for them to go without food or water for three days, we still have to let them experience the cost of living, right?
"Three of you, today is the last day. Have you made a decision?" Cheng Zongyang took the initiative to speak.

Yu Wenlin, Ji Lin and Shentu Li had already reached an agreement. The latter two looked at Yu Wenlin and indicated that he would continue to speak.

Cheng Zongyang followed their gaze and looked at Yu Wenlin, waiting for him to speak.

Yu Wenlin stood up and bowed, saying: "First of all, thank you Master Cheng for allowing the three of us to stay for three days, which gave us a lot of buffer time.

We have learned a lot in the past three days, and it is basically consistent with what is in the booklet. Master Cheng, thank you for your hard work."

Cheng Zongyang shook his head slightly, still not speaking. He didn't care if they verified the authenticity of the information in the booklet.

Seeing that Cheng Zongyang had no intention of speaking, Yu Wenlin continued, "The three of us have also made up our minds. We hope to trade our assets in the martial arts world for spirit stones. The combined assets of the three of us are over 10 million..."

Cheng Zongyang waved his hand to stop the other party from saying anything else, and said expressionlessly: "Sorry, I'm not interested in those. I asked for silver before, but it was because someone else needed it, not me. Do you think exchanging silver for spirit stones is useful in the world of immortal cultivation?"

At this point, Yu Wenlin and the other two fell silent.

Although I expected Cheng Zongyang to refuse, I never thought that he would refuse so straightforwardly.

Now, their only option is to borrow money.

After learning about the prices and income here, I realized how ridiculous it was to think that I could pay back the spirit stones with interest in a year.

First they had to live, then eat and drink. Although they could build a place to live outside in the mountains, it was still not as good as living in the city.

I thought I could eat and drink whatever I wanted, but after learning how to enter the Tao through martial arts and stepping into the realm of Qi training, I realized that before breaking through, I should eat more food containing spiritual energy to adapt to the body and cleanse the retention of impurities in the body, which will increase the success rate of breakthrough. I realized that in the future they cannot do without spiritual rice, spiritual fruits and vegetables, which means a lot of expenses.

Then comes the exercises!
This is the most important thing.

A good martial arts book not only affects the speed of practice, but also affects one's own combat effectiveness.

But good skills are not cheap, and they also need elixirs to assist in practice. Otherwise, at their age, if they continue to practice slowly, they probably won’t even have the hope of building a foundation.

In the end, they didn't even have a way to quickly earn spirit crystals and spirit stones to make a living.

What they can do is to look for and dig up spiritual medicine, hunt exotic beasts or monsters, collect ice essence or fire essence, grow spiritual rice, raise exotic beasts, etc. They can even go on adventures such as recruiting innate masters or ordinary people from the immortal sect, which are not accessible to immortal cultivators.

This means that they need to spend a lot of time to earn spirit stones, which means that the time for cultivation is compressed.

Unless they have an endless supply of spirit stones, they have to face this realistic problem.

"Is it hard to choose?"

Seeing the three of them being silent and hesitant to speak, Cheng Zongyang understood that they both wanted it and didn't want it.

I want the spirit stones, but I don’t want to be in debt.

"If that's the case, then forget it. All transactions are made willingly by both parties, so you won't be accused of cheating you. After today, the three of you will leave on your own..."

"Wait." Ji Lin broke the silence and quickly stopped Cheng Zongyang who was about to leave, saying, "Then let's borrow it. As long as we work harder, we can still pay it back."

Yu Wenlin and Shen Tu Li could only nod their heads. They were already behind the local cultivators, and if they didn't borrow money to earn money slowly, they would probably die without the chance to build their foundation.

"Okay." Cheng Zongyang sat back, waved his right hand, and took out three parchment scrolls.

"This is the drafted contract, which includes some confidentiality clauses, loan terms, and repayment methods. You three can take a look at it first."

Having said that, he handed the three parchment scrolls to the three of them.

The Ringwraiths did not respond to him about the contract issue, and the meaning was very clear: the upgrade could not be achieved.

Therefore, we can only proceed according to the previous template. Using spirit stones to exchange for life span would be a good deal if there were enough spirit stones, but now we can only proceed in the current way.

Under normal circumstances, they still have to pay the bill, so what they lose is their lifespan. However, considering their current age and the urgency of time, it is almost impossible to earn enough spirit stones for cultivation and daily use, and then use them to repay the debt.

How much they borrow depends on their needs.

Then he took out a book that he found in the ruins of Huining County in the wilderness world and translated by Ding Xing and started reading.

The materials of the books that were excavated were well preserved. Although some of them were damaged, some were still preserved. Ding Xing translated them all last night.

According to Ding Xing's general description, the remaining contents were records of some major events that happened in Huining County, which interested him a lot.

Yu Wenlin and the other two took their parchments and read them carefully. They were very familiar with the loan terms. After all, it was not the first time they had come into contact with them.

But as they read through the articles one by one, their expressions gradually became gloomy and uglier.

The terms for the loan of spirit stones are not excessive. They start from the previously mentioned 3,000 spirit stones and do not exceed 10,000 spirit stones. The repayment period is at least one year and at most three years. If the payment is not made on time, it can be deferred for one year, but the interest will be higher.

That is a maximum of four years.

If you cannot pay it back in four years, then the final price will be only one - your soul will return to the wilderness.

These four words were almost all covered in the regulations. Everything related to Cheng Zongyang, including but not limited to the teleportation array and residence, was kept confidential. If anything was leaked from their mouths, the only result would be that his soul would return to the wilderness.

There is no other punishment in Cheng Zongyang's regulations, only the soul returning to the wilderness, which means one thing - this effect does exist, and it takes their lives! Otherwise, it would not be written like this.

If they can’t pay the money, they will have to pay with their lives. This price is simply horrifying to them.

But if someone cannot pay back the money they lent to Dayi Money House, they would basically control the other party's personal freedom and make them do something until they pay back. If they refused, their property would be confiscated and they would be killed in the end.

Now they are experiencing the price of the rules they set for others.

Of course, they can choose not to sign the loan agreement, but earn spiritual stones through their own labor after leaving this door. But this will also mean that their cultivation speed will be slowed down.

In order to be able to repay the debt in the future, they thought about it and finally decided to borrow only 3,000 spirit stones each and repay it in one lump sum after three years. However, the interest would be 100 in the first year, 150 in the second year, and 200 in the third year, totaling 450 spirit stones.

Cheng Zongyang did not calculate any fixed interest for them, but calculated it in this simple and straightforward way. They had no choice but to do as he said.

After the three of them filled out their signatures and put their fingerprints on the form, they handed it to Cheng Zongyang.

Cheng Zongyang took back the books and read the three parchment contracts without saying much. He also signed his name and pressed his fingerprints, took the three parchment contracts away, took out three boxes and placed them on the ground, saying:

"One box of three thousand low-grade spirit stones, one box for each of you. As for the idea of ​​not showing off your wealth, you three have much more experience in the martial arts world than I do, so I won't teach you how to do it."

Cheng Zongyang had no intention of arranging these three boxes of spirit stones for them. If nine thousand spirit stones were taken out like this and discovered by immortal cultivators, especially three warriors, the fate would be self-evident.

Although they are safe in the city, there comes a time when they need to leave, right?

This is none of his business. The loan contract between them has been established. What happens to these spirit stones in the future and how to deal with them are their own responsibilities.

But the business is not over yet. If I don’t continue to earn back the spirit stones from them, wouldn’t it be a waste of my previous preparations?

Then he added: "But if you take these spiritual stones out, it's no different from a child carrying gold through a busy market.

Although the loan transaction between us has been completed and the three days of free accommodation has expired, we can still renew the contract, right?
These rooms of mine also provide some buffer time for people who are teleported here.

Therefore, I can give you an initial three months. After three months, we can discuss whether to renew the lease. If there are more people in the future, you will have to vacate the space for other newcomers to live in. After all, newcomers also need some time to adapt.

I have renovated and modified these rooms. You should have seen the location here. There are protective formations, spirit gathering formations and other formations to protect you. They are very good for your future cultivation and protection.

Therefore, the rent will naturally be more expensive. The rent is comparable to the rent of casual cultivators in the West District, and the price is 80 Lingshi per person per month. I will calculate it as an integer for you, and if you are three people together, it will be Lingshi per month. In addition, it comes with a free test of spiritual roots and spiritual bones.

If you are willing to rent it, I will rent it to you. If not, you can go to an inn or other house to see if there is any.

But you have to move out today.

Oh, by the way, in the South District, I don’t know if you have heard of this, but ordinary houses in the South District are not protected by formations. Only the superior rooms in the inn are protected by formations, and the daily rent is quite high.”

He originally wanted to sell his skills, but his skills were not bought, and the price of points was not low, so he gave up.

Each person has a different choice of technique, but later he will buy more different techniques for cultivating immortality from here and print and sell them to the martial arts community. This way, he can maximize his profits.

But at this moment, he remembered something and said:

"If you stay here, you can go to the sect's headquarters to apply for temporary residence. You can confirm once a month and pay the stay fee. Otherwise, if you are found to be living in the city without paying the fee, a lot of spirit stones will be deducted and you will be marked. If you happen more than three times, you will be expelled and will not be allowed to rent a house in the city overnight."

After hearing what Cheng Zongyang said, Yu Wenlin suddenly asked, "Are you sure that the settlement can be done? If so, can it be completed today?"

At this point, Cheng Zongyang looked at the three of them in surprise and asked in confusion:

"It takes 5,000 spirit stones to settle down. You have to give away most of the 9,000 spirit stones. Are the remaining 4,000 spirit stones enough for you? Although I really want to make money, I still hope that you can pay it back in the future."

Ji Lin said to Cheng Zongyang hurriedly at this time: "Don't get me wrong, I'm just asking."

As he spoke, he looked at Yu Wenlin and said, "Let's consider settling down after we have achieved a breakthrough. Since Master Cheng can rent it to us for three months, we should make good use of these three months to try to cultivate and achieve a breakthrough."

"Yes, although settling down definitely has advantages in the long run, there is no rush for the issue of settling down at the moment." Shentu Li also said.

Seeing this, Yu Wenlin said no more.

So, the three of them agreed to rent the house from Cheng Zongyang for three months.

But Cheng Zongyang said, "Let's rent it for half a year first. I'm not sure I'll come during these three months. If you want to leave before half a year, I'll return the remaining spirit stones to you."

"That's fine." Ji Lin nodded.

So, they paid Cheng Zongyang 1,200 spirit stones as rent for half a year.

As for the lease agreement, it was not necessary. There was still some trust between the two parties. Cheng Zongyang would not damage his reputation because of this little spiritual stone.

He is in long-term business.

After taking the money, Cheng Zongyang took out the spirit-testing stone and spirit-testing paper and said to the three of them:
"To embark on the path of cultivating immortals, one must either have spiritual bones, spiritual roots, or both. You have all read about this in the booklet, so I will not elaborate on it here. Who will go first?"

"Let me go first." Shentu Li took a step forward excitedly.

They don't care about spiritual bones. If they have spiritual roots, they don't need to seek a breakthrough through martial arts, but can directly practice Taoism.

The other two people had no objection to the question of who should go first, and instead watched from closer.

After some operations, Cheng Zongyang first tested Shentu Li's spiritual bones.

It goes without saying that anyone who can cultivate to the level of innate perfection possesses spiritual bones. The purpose of the test is just to understand what attributes they have.

After a moment, Shentu Li and the other two looked at the four colors of the spirit bones, red, blue, gold, and green, and they all fell silent.

According to the booklet that Cheng Zongyang gave them, the more spiritual bones they have, the faster their martial arts training will progress.

They were able to cultivate to the state of innate perfection, so their talent was obvious. But they never thought that they would have four spiritual bones. This means that after embarking on the path of cultivation, if resources are not sufficient, the speed of cultivation will be very slow!

If he didn't know about the spiritual bones and spiritual roots, he might be very happy that he had a high talent for martial arts. Now... go to hell.

"Spiritual bones are not important, spiritual roots are important! Let's test the spiritual roots." Shentu Li immediately put aside this depressing matter and adjusted his mood.

Cheng Zongyang didn't care and took the spirit stone.

The existence of spiritual roots and spiritual bones is basically complementary to each other with a high probability.

People with spiritual roots are very likely to have spiritual roots, and vice versa. So he has it, Zhou Zhendong has it, Cheng Zongwen has it, and Shentu Li has it.

But Zhou Zhendong and Cheng Zongwen's spiritual roots are not very good. They are either four or five attributes. This means that if they don't have resources in the future, their cultivation speed will be very slow.

Of course, resources are not a problem for him.

When he returns this time, he will start to let the tribe members with four or five spiritual roots practice directly, so as not to fall behind, and those with fewer spiritual roots and more spiritual bones will continue to practice martial arts.

He has sufficient martial arts resources and does not have to worry about his slow training speed.

(End of this chapter)