Build a planet from scratch

"Assistant, post update maintenance message for version 20201025. Time from 0:00 to 7:00 AM."

"Logged, execution in progress ......."

At 11:59 p.m., Xu Bing gave instructions to his assistant and came to the Fuxing Garden area.

He found the largest, total area of about 600 square meters of empty stores on the first floor of an outside store as the first Pangu City Bank.

With the opening of the point card system and the addition of the loan function, this bank had to appear.

As the time came, all players were kicked out.

There was no fear of players cursing and complaining.

Upset?

Can you write it off?

When everyone was gone, Xu Bing pulled out the ATM machines and set up 50 of them.

These ATM machines could handle not only money transfers, but also loans and loan repayments!

As for access to money, it does not exist.

Because the only currency in Pangu City is digital currency. There is no paper currency.

Players' income and expenses are digitized all the way in and out of their personal accounts.

Want to cheat on your taxes? Don't even think about it.

Only when taking out a loan or transferring money, come to the ATM machine and operate it.

He plans to leave the bank to his assistant to manage.

Afterwards, after decorating and setting up, he said to his assistant.

"Assistant, according to the established plan, the bank enabled the loan system, and the mall added [auction area] and [card counting area]."

"Okay."

He set up a loan system, which was currently considered a convenient and uncomplicated way.

He turned on the point card system, adding the ability for outside accounts to bind quota cards.

The purchase price of the point card was 1:1.

That is, 1 yuan of Chinese currency buys 1 point.

There are three kinds of 1005001000 points.

When a player enters, he/she will spend 5 points per hour.

Points can be purchased with external currencies or with Panguo coins.

There are two types of point cards - cash points and reserve points.

After a player buys a point card, he/she can choose which type of points to use.

The former is used to consume the points needed to login to Pangu City. They cannot be refunded after purchase.

The latter is needed for the loan, i.e. the amount of the guarantee. This reserve of points is refundable to the account.

Meanwhile, if the former points are used up, and no top-up is made, but the reserve points are used up, the points will be deducted from the account to cover the cost of Pangu City.

If you have no points, you will not be able to enter Pangu City.

In addition, if a player needs money, he can take a loan from a bank.

A loan requires collateral or security.

The points are used as collateral.

The amount of money a player needs, the amount of reserve points a player needs.

Once the reserve points are used as collateral, they are frozen by Pangu Bank.

These points will be unblocked when the player repays the loan and interest. At that time, the player can choose to return the points to the account, or continue to deposit them. On the other hand, if they cannot repay, Pangu City Bank will deduct the points.

Thus, the purpose of the reserve points is to be used as collateral as well as spare points.

If one of the players is unable to repay the loan due to borrowing, if there is a contract between the players, the points will also be deducted from the player who does not fulfill the contract.

In the world of Pangu City, you can't be a scoundrel. Nor can you do the empty-handed thing.

As for the loan issue being unfair?

Well.

Loans, in addition to collateral, have collateral.

This collateral is the reason for the creation of the auction area.

When a player takes out a loan, he can use his own quota card as collateral. When pledged as collateral, a player can lend up to 10 million.

When the player repays the principal and interest, the quota card is returned to the player, or else it is deducted and the player loses the quota.

After that, the slot card is put up for auction in the auction area.

Players can bid on the cards, and the funds received will be deducted from the bank's mortgage and interest, and the rest will go into the mall account.

However, quota cards do not allow direct trading and mortgaging between players. This prevents some players from doing anything in the real world that would be detrimental to the rest of the players.

That's the way it's set up.

If there is a loophole later, the update is.

As the bank appeared, a green cloud of light appeared.

When Xu Bing saw this, he picked it up without a ripple in his heart. The green color, nothing else but money.

"Get [Kepler Bank Loan Coupon]."

Hearing this prompt, Xu Bing was suddenly stunned.

Was this system knowing what he needed urgently and sending it to him?

Not bad.

Xu Bing immediately took out the loan certificate.

It turned out to be just like a check. The header is - a Kepler Bank loan certificate.

Underneath was a blank amount, with a bright red Kepler Bank stamp.

"Assistant, how much can I fill in this amount?" Xu Bing asked, "This feels like my girlfriend's father is throwing a check at him.

It felt like his girlfriend's father was throwing a check at him, saying proudly, "Leave my daughter, and fill in the amount as you wish.

The assistant responded: "The amount is as you fill in. But it will be repaid with interest in three ways: one year, three years, and five years. The annual interest rates are 4.5%, 5.2%, and 6.5% respectively."

When Xu Bing heard this, he looked strange.

"System, come out and talk? I know you're hiding. Otherwise you wouldn't have given me such a voucher for a loan after I launched my bank and point card system and loan feature."

As a result, there was no response.

Xu Bing shook his head, since it didn't come out, then forget it.

Then, he continued to ask, "Since I can take out a loan, do I need collateral?"

"No," the assistant responds, "Kepler Bank will pay you back over time if you have enough money in your account. The assistant responds, "Kepler Bank will defer it over time, and if you repay it in one year, but you have enough money in your account, it will be automatically deducted.

If there is not enough, the bank will automatically take the final repayable amount of principal plus interest as your new loan amount and continue the loan for another year.

And so on. If after five years, you still can't repay the loan, you will lose the planetary system, and the system will deduct all your account funds and confiscate everything inside and outside of you."

Hearing this, Xu Bing's mouth snapped open.

Do you need to be so cruel?

If he takes out a loan of 10 billion, after one year the principal and interest together will be 10.25 billion.

If he can't repay it, the 10.25 billion that should have been repaid will be counted as a new loan for another year.

That is to say, from the first year should repay the principal and interest of 10.25 billion, plus the second year forced loan of 10.25 billion, is considered a loan of 20.5 billion.

At the end of the second year, 21 billion would have to be repaid with interest!

Third year 420, fourth year 860, fifth year 1760?

If we calculate like this, wouldn't the final repayment date in the fifth year be about 180 billion?

That's killing me.

10 billion, five years, $180 billion!

Loan sharks are not even this scary. It's purely a money grab.

It's just that he's short of money, and asking the bank for a loan might be the only way to sustain it.

"Fill out a 10 billion, three-year payment? Or five years of payments?" Xu Bing thought about it and asked, "Assistant, if I take out a loan for five years and pay it back a year later or three years later, can I reduce the interest?"

10 billion, over five years. Also nearly 11.6 billion in principal and interest.

1.6 billion in interest, not a small amount!

"Unreducible."

Xu Bing: "......"

After considering for a long time, Xu Bing continued to ask, "If I lend it, after I approve it to Pangu City Bank, will I set the interest rate for the loan, or will it be according to Kepler's quota?"

"It's your business," the assistant responds. The assistant echoed.

Hearing this, Xu Bing nodded and had an idea.

Then, he would pass the risk onto the players, and he didn't believe he wouldn't be able to get on in five years anyway. Unless the players weren't even interested in Pangu City anymore.

"Assistant, how do you use this loan voucher? How do I fill it out?" Xu Bing asked.

"Are you using the loan voucher now?" The assistant suddenly asked.

"Yes."

"Mayor, the next conversation to come will be recorded, so please take it with a grain of salt. What is your loan amount, please?"

"10 billion, repaid over five years."

"Five years at an annual rate of 5.9% and you will repay $115,718,802,174 over five years. Is it confirmed that the loan amount is $10 billion?"

"OK."

"Confirmation successful, voice recording has been uploaded to Kepler Bank. Is $10 billion now being credited to your account?"

Xu Bing thought with some excitement in his heart and said, "Transfer it to the [Pangu City Municipal Finance] account."

"Okay."

Less than three seconds later, the prompt appeared.

"10 billion yuan has been successfully transferred to the city finance account, please check."

Xu Bing immediately clicked on the territory management-.

Place name: Pangu City

Area: 2000 square kilometers (irregular)

Total population: 463

Municipal Finance: 99.99112429 billion yuan (10 billion + 132,429 balance - 1.02 million owed to protagonists)

(Construction Expenditures: $496,931)

(Mission Expenditures: $390640)

Regional Planning.

Lefu District: 480 km2

Population: 463

Fiscal: 0

Number of Buildings: 16

......

Looking at the funds, Xu Bing was a glutton for punishment.

But the thought of the horrible interest rate didn't move the needle.

The 10 billion was typed in, and the system automatically paid back the money it had lent to the city government.

In addition to the consumption, the reservation of 1.8 million servers, now he also has more than 5.64 million in his account.

It's enough for his own consumption, and the city doesn't need him to advance the money.

Next, he borrowed 9 billion from the city treasury to Pangu City Bank. 1 billion was set aside as a reserve.

He didn't set a high interest rate and still lent to the bank at Kepler's interest rate.

But he set the interest rate for the players.

They were: 1 year 5.2% - 3 years 5.8% - 5 years 6.5%!

That's the rate anyway.

If you can't pay it back, offset the points, or seize the quota card for auction.

He won't lose!