I am a demonic cultivator, not a capitalist with a conscience.

Chapter 426 We finally have something to talk about (66)

After listening carefully for a while, Cao Zheng felt his anxiety disappear and his whole body relax.

After entering university, he encountered nothing but troubles, and every single thing added invisible pressure to him, some even more so than the college entrance examination.

Although one's own Dao heart can still maintain this balance, it has already reached a very dangerous state.

Changsheng University offers many ways to relax, but many of these methods feel more like venting than relaxation.

Today, listening to this light and cheerful melody, Cao Zheng felt as if an invisible hand was wiping away his Dao heart, gradually calming his restless mind.

He only started the game after he had calmed down enough, and then he saw two rows of characters and different victory conditions.

There are ten characters to choose from in "The Big Capitalist". The different characters seem to only have slightly different appearances, but there is no difference in how they are used.

There are many winning conditions, such as the one with the most money over several months winning; there is no time limit; and the winning method is to bankrupt everyone else in the end.

The restrictions here are not difficult and can be understood at a glance, so Cao Zheng did not hesitate much and directly chose a cute-looking girl as his character.

After being chosen, the girl spun around on the spot and said smugly, "You have good taste. I'm much better than my sister."

The girl's voice was lively and cute, cheerful with a hint of optimism, and Cao Zheng showed a long-lost smile.

Since there is only one player, the other three players are assigned by the system as non-player characters to accompany the player in the game.

"Rolling the dice will cause the character to move automatically. Moving to other squares will trigger different events. Normal squares are for buying land, so what's the deal with this big disc with a question mark?"

With a puzzled look, Cao Zheng rolled the dice and saw his character land on the large disc. A strange-looking bank teller approached and whispered, "Miss, would you like to apply for a loan?"

The bank teller was dressed in rather improper clothes and looked rather lewd, but Cao Zheng had a bad feeling about him.

Cao Zheng initially thought it was just a random event, but after he selected "yes," the other party revealed their terms and conditions, then said in a seductive voice, "Miss, you have excellent taste. I have various types of loans available to guarantee your satisfaction."

Upon seeing the terms and conditions presented by the other party, Cao Zheng discovered that the terms were almost identical to those he had just seen.

Just as he was about to choose to proceed, he felt his hand being grabbed. His roommate stared at the terms and conditions, then shook his head and said, "Don't proceed, there's a trap here."

"No way," Cao Zheng said, puzzled. "The terms here look the same as what I just saw; they seem quite legitimate."

My roommate immediately turned around, frowned, and asked, "Did you do it?"

"Not yet."

With a long sigh, his roommate's furrowed brows relaxed, and he said, "It's good that it wasn't done. Let me see your phone, and I'll explain the trickery involved."

"It's true that the loan is disbursed on the same day, but they don't tell you about the unspoken rule of 'nine out, thirteen back' for same-day disbursement. That means if you borrow 10,000, they only disburse 9,000, but your official loan amount is 13,000. In the end, the interest rate charged is 13,000. Some ruthless ones even dare to 'seven out, fifteen back'."

"The lowest interest rate is 13%, but that's just the lowest. Lenders can easily push the rate up to 30% or more."

“It’s true that you can pay it off in a year or two, but they’re talking about becoming a Foundation Establishment expert and finding a suitable job. Then you can definitely pay it off in a year or two. A Foundation Establishment expert’s monthly salary starts at 30,000, but there are only a few dozen people in our university who can become Foundation Establishment experts each year. The probability is very low.” After listening to his roommate’s analysis, Cao Zheng’s heart finally calmed down.

However, he was still somewhat unwilling and pointed to the non-violent debt collection method, asking, "If I don't pay, didn't they say they wouldn't use violent collection methods?"

Cao Zheng's roommate looked at him sympathetically: "I thought you were a show-off, but it turns out you're just a giant baby. They don't use violent debt collection methods, but they can package your debts and sell them to those who do. They'll kill you and send you to the Human Emperor's Banner, and you'll be set for life. If you want a loan, go to this platform. The annual interest rate here is only 22%, the loan limit is 300,000, and the loan term is 30 years. If you can't repay it, they'll help you rent out your spiritual root, and you'll have no problem making a living."

"hiss……"

Seeing such a high interest rate, Cao Zheng still wanted to try to negotiate, but then he heard another burly man practicing the splits on the bed say, "Only 22 points, why is it 25 points here?"

"Be content, I have 28 points here." The last student tinkering with the prosthetic body sighed, "But it also has to do with my hometown. I heard that the loan sharks are all backed by a celestial being, who can pull up all the customer's data with a simple check and then make a loan plan according to the individual's situation."

"That's so scary."

"Yes. They know which university you go to, what your major is, and your family situation, and then issue loans according to your circumstances. Many people simply can't figure out the ins and outs. Some people can even calculate a year as ten months and then feel proud of themselves for making money."

"It's terrible to be uncultured."

Listening to his classmates' conversations, Cao Zheng felt that loans were a truly terrifying thing.

Noticing Cao Zheng's disgusted expression, one of his roommates laughed and said, "Don't worry so much. We're not rich kids, we don't need to take out loans to go to university. Here's what we'll do: my platform has a welcome discount. You use my registration code, I'll earn some points and then use them to pay for toilet paper, and I'll give you the rebate. That way, we can get the interest rate down to 20%."

"Thank you, but I'll think about it some more."

"Well, don't overthink it. Everyone goes through this. Think about it: if you can graduate without taking out a loan, then wouldn't taking out a loan allow you to obtain the Dao Seed? If you can obtain the Dao Seed without taking out a loan, then wouldn't taking out a loan allow you to become a Foundation Establishment expert in university? Look at it step by step, and you'll find that loans are necessary, and loans are necessary. If you want to achieve something great, you have to take out big loans!"

"well said!"

"That's the truth!"

"I support you!"

Cao Zheng was quite tempted by what he heard and wished he could apply for a loan right now and then cultivate himself thoroughly.

However, he decided to finish playing through this dream first.

After refusing the sales pitch from the strange-looking teller, Cao Zheng was about to continue when he heard his roommate, who had just stopped him, say, "Hey, Cao Zheng, I was actually about to ask you something, where did you download this dream from?"

"To be honest, I wanted to ask that too. This dream seemed pretty good; the style was cute, the music was nice, and it was very relaxing."

"Is it expensive or not? I'll buy it if it's under a hundred yuan."

"I don't have any spare money right now. If we can hang out together, could you take me along?"

Looking at his curious roommates, Cao was silently thanking Wenchang Xingjun a hundred times over.

We finally have something to talk about!
(End of this chapter)