Cultivating Immortals, Starting from Taking Care of Sworn Brothers, Wives and Daughters

"On the first floor of the Purple Mansion, four thousand low-grade spirit stones, one thousand sect contribution points, and one bottle of low-grade True Essence Pill every year."

"On the second floor of the Purple Mansion, there are 4,500 low-grade spirit stones, 2,000 sect contribution points, and two bottles of low-grade True Essence Pills every year.

"On the third floor of the Purple Mansion, five thousand low-grade spirit stones, three thousand sect contribution points, and three low-grade Zhenyuan pills every year."

"On the fourth floor of the Purple Mansion, there are 6,000 low-grade spirit stones, 4,000 sect contribution points, and a bottle of mid-grade True Essence Pill every year.

"On the fifth floor of the Purple Mansion, there are 6,500 low-grade spirit stones, 5,000 sect contribution points, and two bottles of mid-grade True Essence Pills every year."

"On the sixth floor of the Purple Mansion, there are seven thousand low-grade spirit stones, six thousand sect contribution points, and three bottles of middle-grade true essence pills every year."

"On the seventh floor of the Purple Mansion, there are 8,000 low-grade spirit stones, 7,000 sect contribution points, and a bottle of high-grade True Essence Pill every year.

"On the eighth floor of the Purple Mansion, there are 9,000 low-grade spirit stones, 8,000 sect contribution points, and two bottles of high-grade True Essence Pills every year.

"On the ninth floor of the Purple Mansion, there are 10,000 low-grade spirit stones, 9,000 sect contribution points, and three bottles of high-grade true essence pills every year.

If it is said that practicing qi cultivates spiritual qi.

Then the foundation-building cultivator cultivates spiritual power.

As for the Zifu monks, what they practice is the true essence.

This is also the source of the three elixirs.

During the Qi training period, the second-rank low-grade elixir Lianqi Pill, the second-rank middle-grade elixir Juqi Pill, and the second-rank top-grade elixir Ningqi Pill.

In the foundation building stage, the third-rank low-grade pill Ningling Pill, the third-rank mid-grade pill Juling Pill, and the third-rank top-grade pill Zhenling Pill.

In the Zifu period, the fourth-rank low-grade True Yuan Pill, the fourth-rank middle-grade True Yuan Pill, and the fourth-rank top-grade True Yuan Pill.

All of the above are pills that assist cultivation.

As for the pills that help monks break through the realm, such as...

The second-order low-grade Poqi Pill, the second-order middle-grade Poqi Pill, and the second-order high-grade Poqi Pill.

The third-rank lower-rank Breakthrough Pill, the third-rank middle-rank Breakthrough Pill, and the third-rank upper-rank Breakthrough Pill.

The fourth-rank low-grade Yuanyang pill, the fourth-rank mid-grade Tianyang pill, and the fourth-rank top-grade Jinyang pill.

These elixirs can break through the bottleneck encountered by monks.

Low-grade medicines can break the bottleneck of the third to fourth floors, middle-grade medicines can break the bottleneck of the sixth to seventh floors, and high-grade elixir can break the bottleneck of the ninth to tenth floors.

"Then what about the monks on the tenth floor of the Purple Mansion." Seeing that Zhang Chun didn't say anything, Wang Changsheng asked immediately.

"The monks on the tenth floor of the Purple Mansion are completely different from the previous ones."

"How do you say that?"

Zhang Chun explained: "When the 280 monks have cultivated to the tenth floor of the Zifu, the Xuanyang Sect will use the power of the whole sect to help them break through to the ancestor of the Golden Core."

"So the salaries are useless to them.

"As long as you become the Patriarch of Jindan, there will be no more offerings in the sect."

"This time is the time for Zongmen to collect rewards."

Wang Changsheng asked curiously: "Is it the same for the Tianxing sect?"

After all, Xuanyangzong copied Tianxingzong.

So in the Tianxingzong, after cultivating to the ancestor of Jindan, is it also a moment to contribute to the sect?

"Of course not..."

Zhang Qing shook his head, and then said: "How can we be like the Heavenly Star Sect? There is an incarnation patriarch sitting in charge."

"In the Tianxing sect, no matter it is the ancestor of Jindan or the old monster of Yuanying, they all have their own worship system. As for the ancestor of incarnation, we can't know about it."

That kind of existence means that he is a little Zifu True Monarch.

It is estimated that even the founding ancestor of the Xuanyang sect, the ancestor of Xuanyang, has not seen it once!

"Too......"

Wang Changsheng nodded silently.

This kind of existence is really not something they can touch.

Probably only Chen Tiantian can get in touch with it!

It seems that the next time we meet, I will change what I am looking for so that I can understand the secrets of this world.

"Senior's annual salary is 7,000 low-grade spirit stones and 6,000 offering points. One offering point is calculated as one spirit stone. Senior has about 13,000 spirit stones' salary per year.

"These are just the actual salary of the seniors."

"If you count the tasks done by the seniors and some extra income, it can be inferred that the seniors are about 20,000 low-grade spirits a year."

"Not bad, it's not a loss to be a professional."

Zhang Chun nodded approvingly. Although there are some discrepancies in this data, it is quite acceptable.

If you count the time you spend in retreat and practice.

My overall income is really around 20,000 low-grade spirit stones a year.

"We follow the annual daily training expenses of our seniors, as well as some other additional expenses.

"Therefore, it can be calculated that senior should have 12,000 low-grade spirit stones every year.

"So senior's annual repayment amount is about 10,000 low-grade spirit stones."

"Okay, you (cgdd) go down first!"

"Yes, Zhang."

After he went out, Wang Changsheng asked, "How many spirit stones do fellow Taoists need?"

"I need two hundred thousand low-grade spirit stones."

Zhang Chun thought about it carefully, and felt that two hundred thousand was about the same.

The 200,000 spirit stones are just within the acceptable range.

With these 200,000 spirit stones, he is eight levels sure that he can win a Tianyang pill.

"Yes, but I don't know how fellow daoists want to repay the loan, whether to choose the equal amount of principal and interest, or the equal amount of principal.

Wang Changsheng has no reason to refuse this request at all.

As long as Zhang Chun is taken down and let him promote it, the future Xuanyangzong will become Wang Changsheng's pocketbook.

"Fellow Daoist, can you tell me the difference between the two?"

Wang Changsheng enthusiastically introduced: "Whether it is equal principal and interest or equal principal, it is divided into ten years, twenty years, forty years, sixty years, eighty years, and one hundred years.

"The specifics depend on the number of years chosen by fellow daoists."

The repayment period was designed by Wang Changsheng for some monks.

In the initial stage of foundation building, generally only ten years can be selected, and the amount of the loan cannot exceed 10,000.

In the mid-term of foundation establishment, generally only 20 years can be selected, and the loan amount should not exceed 20,000.

In the later stage of foundation establishment, generally only 40 years can be selected, and the amount of borrowing should not exceed 30,000.

Foundation Establishment Peak can generally only choose within 60 years, and the loan amount cannot exceed 50,000.

The time given for 60 years is because the probability of the tenth floor monks breaking through to the first floor of the Zifu is basically more than two floors.

If it is assisted by pills, the probability is estimated to be five layers.

Therefore, the choice of sixty years also takes this into account.

In the early stage of Zifu, it should not exceed 100,000, in the middle of Zifu, it should not exceed 200,000, and in the later stage of Zifu, it should not exceed 300,000.

The term of the loan can be chosen at will within one hundred years.

After all, the lifespan of the True Monarch of Zifu is as long as 480 years, so the time limit can naturally be extended.

Of course, some also depend on the comprehensive factors of the monk.

If the other party's lifespan is only 50 years left, not only can the other party's lifespan be selected within 40 years, but even the loan amount will be reduced by more than half.

The current business of Qingxu Bank is only aimed at Establishing Foundation and Zifu.

When his monks become stronger in the future, it is estimated that they will also open the business of Jindan Patriarch. At that time, the loan period is estimated to be two hundred years, three hundred years, or even four hundred years.

"What if I choose a hundred years?"

Hearing this, Wang Changsheng laughed immediately, then looked at Zhang Qing and said, "Take the one million spirit stones owed by the Zhang family as an example.

"If you choose a hundred years, the interest will be superimposed at 0.98% of the principal every year, and one million interest for one hundred years will be 980,000 low-grade spirit stones."

"What, 80,000 interest."

Zhang Qing, who had been quiet all this time, suddenly jumped up, with disbelief in his eyes.

If it weren't for the fact that there is no nest grass here, what the hell.

At this moment, Zhang Qing has definitely started scolding his mother.

There is no such thing as cheating people.

Wang Changsheng said frivolously, "Is the interest of 980,000 yuan much?"

Is this a lot of 980,000 interest?

If the bank of his previous life appeared here, one million to one hundred years, it is estimated that it will give you five or six million.

So his 980,000 interest is really wrong.

Wang Changsheng already has a conscience.

"It's not much, it's equivalent to doubling you directly." Zhang Qing almost jumped up.

If it weren't for the estimation of Wang Changsheng's identity and his background.

At this moment, Zhang Qing has already drawn his sword to face each other.

"Then have you ever thought about who will lend you a million low-grade spirit stones, and who will lend you a million low-grade spirit stones for a hundred years? Tell me who can do it.

"Humph……"

Zhang Qing turned his head and was immediately speechless from anger.

If it weren't for your bastard.

How could my Qingshuang Zhang family owe one million.

That's not counting, excluding the one million low-grade spirit stones they owed, they also bought a spot of 500,000 low-grade spirit stones.

Every time I think of this, Zhang Qing feels aggrieved.

If it weren't for Zhang Qing's bad mood.

At this moment, he must have been made to cry by Wang Changsheng.

So fucking bullying.

And he was just being bullied by his own Zhang family.

"If there are too many fellow Taoists, you can also choose a dry year."

"This ten-year installment loan only needs the interest of 98,000 low-grade spirit stones.

"Fellow Daoist, this interest is really too much." Zhang Chun next to him couldn't stand it any longer.

Although this is Qingshuang's Zhang family's debt, and it has nothing to do with him, but anyway, he is still a member of the Zhang family.

If the Zhang family encounters difficulties, they will definitely find themselves in the end.

"Friend Daoist, you can't just look at the surface."

"The interest rate is only 0.98%. If you owe 10,000 low-grade spirit stones, you only need the interest of ninety-eight low-grade spirit stones in ten years.

"Borrow 10,000, only 98 interest a year."

"The two fellow Taoists asked themselves, is this 0.98% interest rate really high?"

"This..……"

Zhang Chun was speechless for a while.

It seems that this 0.98% interest rate is really not high.

Borrowing 10,000 low-grade spirit stones a year, even if it takes a thousand years, is only worth the interest of a mere 980 low-grade spirit stones.

If you want to blame, you can only blame that the amount is too large.

At the same time, the term of this loan is also somewhat long.

The interest rate of Qingxu Bank really makes people unable to find anything wrong with it.

Obviously, Zhang Qing is also aware of this.

Even so, Zhang Qing was so angry that he couldn't speak at the moment.

Originally in the peaceful Qingshuang Zhang family.

Suddenly, 500,000 low-grade spirit stones were stolen by others.

In addition, there is an inexplicable extra one million foreign debts.

Now, his 1 million debt has directly turned into a 1.98 million debt.

As long as it is an individual, it will feel depressed at home.

"Ahem, fellow daoist, let's continue!"

Looking at Zhang Qing, whose face was turning black, Zhang Chun coughed deliberately, telling him to pay attention to the situation, and then looked at Wang Changsheng.

Wang Changsheng continued with a smile: "Based on the equivalent amount of principal, fellow daoists need to repay 19,800 low-grade spirit stones every year.

"Humph…………"

Zhang Qing snorted coldly, and his complexion turned even darker.

Wang Changsheng didn't care the slightest bit.

he has

Hold, let the entire Qingshuang Zhang family owe more and more.

The current 1.98 million is still too early.

Wang Changsheng was sure that even if Zhang Qing would give the spirit stone, he would definitely not give it on time.

In the future, the 1.98 million low-grade spirit stones will gradually become 19.8 million. Only then will we know what overdue fines are.

As for Qingshuang's Zhang family who wanted to overturn the table, they didn't dare.

It's completely fine, Wang Changsheng must have contacted Chen Tiantian by then.

At that time, I will let them know the horror of collection.

I believe that with that girl's character, Chen Tiantian should be quite happy to do such a thing!

Think about it, the Saintess of the Star Sect came to collect debts that day.

That scene is simply not too beautiful.

Not to mention the small Zhang family, even the Xuanyang Sect had to spend all their money honestly to get the money together.

As long as Chen Tiantian is here, Wang Changsheng doesn't worry about not getting back the money he borrowed.

Wait till you become stronger.

He also has security, insurance, mercenaries, and so on.

Zhang Chun then asked again: "The equal amount of principal and interest, how is this calculated, and how is it paid back?"

"Equivalent principal and interest is to repay the interest first and then the principal."

"Repay the interest in the front, and repay the principal later."

"For example, Zhang Qing's one million yuan, if you choose equal principal and interest, you may not see the effect if it takes too long."

"Let's just talk about fifty years."

"Fifty years, one million interest is 490,000 low-grade spirit stones."

"The interest of 490,000 yuan will be repaid in the first 50 years, so if you calculate it this way, you will be able to repay 9,800 low-grade spirit stones in one year.

"For the next fifty years, there will be less than one million principal."

"According to fifty years, the principal of one million needs to pay back 20,000 low-grade spirit stones every year."

"This is the difference between equal principal and interest and equal principal."

"I see."

Zhang Chun nodded silently.

At this time, in his heart, he had already begun to calculate.

If I borrow 200,000 from Qingxu Bank, that would be 1,960,000 low-grade spirit stones a year.

Ten years is 19,600 Lingshi interest.

Relying on his own ability, it is not a big problem to repay nearly 20,000 low-grade spirit stones a year.

Borrow 200,000, and add the Lingshi on his body.

A Tianyang Pill should be fine.

Thinking of this, Zhang Chun was just about to speak.

Just heard what Wang Changsheng said next. .