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

Chapter 428 Loan! (26)

A single silent word brought the dormitory to a quiet.

No airflow?

loan?

When will things from our dreams be able to become reality?

There may be charitable organizations, but it's unlikely that an organization would actually engage in charity. Such "well-intentioned" organizations usually harbor malicious intentions, and it's impossible to know how many traps they might set in their contracts.

When he realized that the others didn't believe him, Cao Zheng, who had already become familiar with them, picked up his phone, showed it to them, and said, "I'm not lying to you, it really is interest-free."

The dormitory head took the phone, looked at it carefully, frowned, and carefully reviewed every clause and detail. He felt something was very wrong.

The terms and conditions are written very clearly, and there are none of the traps that illegal microloan companies would set.

There's no such thing as "nine out, thirteen back," nor do they tamper with the repayment date. They even offer solutions for those who can't repay on time. As long as the money isn't used for anything inappropriate, they say they can extend the repayment date.

The initial credit limit is 100,000, but if you win in various rankings, the credit limit can be continuously increased, up to a maximum of 400,000.

A loan of 400,000 yuan can cover most university majors. If you are unable to find a job after graduation to repay the loan, you can work at Tianyuan to repay the loan. Your monthly income will be no less than 5,000 yuan, and you only need to make the minimum repayment each month.

After reading it carefully, the dorm leader remained silent for a long time before saying in astonishment, "There's no pitfall."

"No way!" one of the roommates said, puzzled. "Does such a compassionate, benevolent, and selfless saint really exist, asking for nothing in return but simply to receive money?"

“A great villain appears to be loyal, and a great evil appears to be good. I feel there’s something wrong with this.”

"I think so too. You can play games, but don't take out loans. Just borrow from me for 25%. At least it'll be safer."

Cao Zheng nodded, put down his phone, and then continued playing "The Big Capitalist" with the four others.

I don't know why, but the music that was relaxing just now suddenly sounds a bit noisy, and the game that was fun just now feels a bit boring.

Several times, Cao Zheng forgot to throw the dice and only remembered when others reminded him.

Once he gets to other people's turn, he can't help but think about the text message on his phone and the related instructions.

loan……

Without a sound...

One hundred thousand yuan...

He had never seen what 100,000 yuan looked like.

The subsidy for Tianyuan students is 1,200 yuan per month. This money will be provided even after they go to university. It is a welfare benefit issued by the Tianyuan Cultivator Management Committee in conjunction with the Tianyuan Agricultural Machinery Factory and will continue until they graduate from university.

He scrimped and saved, and now he has barely scraped together six thousand yuan, but the college life where a bowl of rice costs twenty-eight yuan is really too expensive, and he has to work his hardest to keep up.

One hundred thousand yuan...

With this 100,000, he was able to buy the prosthetic repair kit he had always wanted, instead of using the old antique passed down from his senior brothers and sisters.

Various teaching materials can be purchased, and teachers' educational dream scenarios can be studied for a fee. One can even save up a second-hand "spiritual brain" to facilitate drawing and research.

Although he didn't want to get injections, he occasionally wanted to eat the meat of a spirit beast to replenish his qi and blood, thus saving himself time in body training.

You can also buy some spiritual energy canned goods, as long as you can maintain your current level of spiritual energy.

All of this only costs 100,000 yuan.

After being reminded once again, Cao Zheng suddenly realized that the dormitory was already full of people.

The cramped dormitory was packed with people; some even squeezed in with toothbrushes in their mouths, curiously staring at the illusions on the ground. The map they were playing on was in Sangmu, a place full of mountains and rivers. Eating the mushrooms by the roadside sometimes allowed them to see little people and obtain special cards, but if they ate any poisonous ones, they'd better rush to the hospital for a stomach pump.

Eating mushrooms has become a unique activity here, and some special mushrooms even have the effect of turning the tide of battle, making the other roommates have a great time.

The excellent viewing experience also attracted students from other dormitories, resulting in more and more onlookers until the entire dormitory was overflowing.

Looking around, Cao Zheng noticed that his classmate, who usually had a sour look on his face, had also come over, laughing and slapping his thigh, lamenting that one of his roommates was unlucky.

Patting the other person on the shoulder, Cao Zheng gestured for them to come and take over, and then handed over his dice to the other person's surprised look.

Amidst the constant laughter, Cao Zheng held his phone and continued studying the relevant regulations for free loans.

He studied the contents one by one, wishing he could understand every single word.

He even borrowed his roommates' loan agreements and analyzed them carefully, but in the end he had to admit that he couldn't figure it out.

He genuinely couldn't see anything wrong with the regulations.

No matter how you look at it, this is a perfectly normal loan agreement; the only problem is that it's interest-free.

For college students, interest-free loans are no different from free money.

But in this day and age, are there really people who are so selfless?
He was torn between wanting to take out a loan and not daring to, like a lone boat in a storm, drifting here and there.

Sitting on the edge of the bed, Cao Zheng pondered until midnight before finally raising his head and saying in the crowded dormitory, "I want a loan."

The dorm leader, who had already given up her spot, looked up with relief: "You've finally come to your senses. Apply now, and I'll help you get a discount."

"No, I want to borrow this interest-free one."

"...Are you crazy!" the dorm leader shouted. "Free things are the most expensive, don't you have any common sense?"

"No, but I really can't see the problem. You guys can't see the problem either, can you?"

"Yes. But doesn't this just prove that the other party is insidious and cunning, even daring to use the name of Wenchang Xingjun to do bad things? Such a despicable company must have much to gain!"

“The dorm leader is right!” Another roommate immediately chimed in, “They’re probably trying to lure you in and make you a loan slave! Then you’ll become a heartless spiritual machine, and when you get old and lose your looks, you’ll be forced to breed, and your life will be over.”

"Even after death, the body's spiritual roots are dug out, and the primordial spirit is forcibly transformed into the lowest of the low, and even after reincarnation, it is pulled back to continue working to pay off its debts."

"Not only that, but it may also drag your children into paying off the debt, and so on for generations to come."

The group of people chatted amongst themselves, and the various horrifying scenes made Cao Zheng's face turn pale, prompting him to examine the scene again.

After thinking it over for a long time, he suddenly had an idea: "How about I borrow five thousand first? If there's a problem, I'll stop immediately. If there's no problem, I'll continue borrowing."

"...That's a good idea!"

"Take out a loan! If it's really not possible, I'll cover part of it for you."

"Sure, go ahead and lend it to me!"

"Go, Cao Zheng! Let's see if this mythical thing called interest-free loans really exists in this world!"

"I took out the loan!"

Cao Zheng resolutely chose to take out a loan. He stared nervously at the screen, and soon heard a clear voice: "Your student loan has been approved, and five thousand yuan has been deposited into your account."

"Great!"

(End of this chapter)