200,000 spirit money, resting in the mortal world, this is equivalent to hundreds of millions, resting in the cultivation realm, even if it is a spirit master-level existence, few people can take it out casually, maybe it is not necessary to reach the heavenly state of mind, so you can not take the 200,000 to heart.

And for students, that's a huge amount of money!

Tang Zheng Lion opened his mouth, and it was 200,000 at once, even Mrs. Shui was so breathless that he couldn't breathe.

Glaring at Tang Zheng fiercely, Mrs. Shui said, "You can open your mouth." 200,000 yuan, can you get the corresponding mortgage?"

Tang Zai said with a smile: "The rules of the academy, the kid still understands, the highest pledge of one to five, right?"

Lending must have a pledge, but the main purpose of Lingtai Pavilion's lending has always been to help students, so naturally it will not simply be as much as collateral to borrow, but will be divided according to the reputation, status and ability of students.

It is usually divided into five grades, the worst is one to one, how much collateral is borrowed to borrow money, and the highest is one to five, and one dollar of collateral can borrow five times as much.

And this kind of rating is generally closely related to the performance of the Divine Weapon Arena, basically to get the highest five-level loan limit, you must first get an invincible evaluation.

But the situation of Tang Zheng is obviously somewhat different.

Hearing Tang Zheng's words at this moment, Mrs. Shui also understood a little: "It turns out that you have been prepared. Speaking of which, although you are not an invincible student, you have set a record and made it to Tiger Roar Peak alone, and it is not too much to rate a five-level one. But...... Even so, you have to have 40,000 pledges. ”

"That's why I asked Madame for help. Tang Zai smiled: "I have some goods here, and I can also bet on the gut breaking knife and the silver needle." If that's not enough, borrow it in batches and use the puppet as collateral ......"

He's playing the subprime mortgage trick.

Goods are made from borrowed money and then borrowed from goods.

Qixia does not have the concept of subprime mortgages, and is still relatively cautious about risks. However, the student loan itself has a certain credit pledge component, which allows a certain degree of risk, and the degree of human governance is relatively high in this era, so a small subprime mortgage may not be impossible.

It's a pity that Mrs. Shui still shook her head: "That's not possible!"

Tang Zheng asked for too much, this is no longer a matter of mortgage.

The loan of 200,000 yuan, the interest of thousands of spiritual money generated every month alone, he can't afford to repay it even a single student.

After all, borrowing is for the purpose of collecting money, so all considerations must be based on the other party's sufficient ability to repay.

Don't say that you are just a student of the Lingquan Rank, even if you are invincible in the Linghai, as long as you don't have the ability to earn thousands of dollars a month, don't think about borrowing 200,000.

"If so, then borrow a hundred thousand. "If 200,000 fails, Tang Zheng retreated to the second.

Mrs. Shui was overwhelmed by him, and said with a smile: "Tang Zheng, don't blame me for saying you." You have a living brain, and you work hard, but your heart is bigger. You said that you just want to be a puppet, but as for going down for 100,000 or 200,000 yuan? Cultivating the immortal realm, after all, cultivation is the right way. If you take these 100,000 to make a puppet, you will win the first place in the divine soldier five times a month, sweep the Tiger Roaring Valley, and you will not be able to earn back your capital. ”

Competition is also about cost.

Why can't a group of students take the demon tiger of Tiger Roaring Mountain, and Tang Zheng can take it alone?

Not because he is better than a group of students, but because he spares no expense, does not care about profits, and is willing to do loss-making transactions.

A victory like this, if it weren't for his other pursuit, would be meaningless in itself!

But the same method used to run rampant in the academy is not worth the loss.

Mrs. Shui is very optimistic about Tang Zheng, but she is very optimistic about Tang Zheng's "project", so no matter how much she values Tang Zheng, it is impossible to agree.

But in this matter, Tang Zheng no longer gave in.

"Please also ask Mrs. to raise your noble hand, as long as Mrs. is willing to borrow, the student can accept three cents of monthly interest. ”

"Three cents per month?" Mrs. Shui sneered: "You have such a big breath, that's three thousand dollars a month, what do you pay back?"

"Take myself. Tang Zai replied: "If you don't come out, what's the matter if you sell me to Lingtai Pavilion!"

Mrs. Water was about to say that you are not worth the price now, when she heard a voice outside the door: "Lend it to him." ”

But it was Xie Fengtang who appeared at the door.

"Fengtang?" Mrs. Shui looked up in amazement: "Why are you here?"

"Not this kid yet. Xie Fengtang pointed at Tang Zheng: "You don't think he came to you to borrow money unprepared, right?"

It turned out that this was the case, in order to borrow money, Tang Zheng even invited Xie Fengtang.

Knowing this, Lady Shui glared at Tang Zheng.

Although she is not afraid of Xie Fengtang, but Xie Fengtang is the master of the Moon Washing Academy in the end, since he decided to borrow, then she has no need to fight for anything, she can only say: "In this case, then I will lend you, but no wonder I didn't remind you, if you are unable to repay, beware of being crushed by debt." ”

Mrs. Shui refused to borrow him, but she also cared about him, after all, she didn't want him to bear too much pressure too early.

It's just that she didn't know that Tang Zheng was now carrying more weight than ordinary people imagined.

Tang Zheng smiled and said, "Madame cares, the kid can save it." ”

Mrs. Shui took out a piece of talisman paper and wrote an IOU on it, and said, "Since you want to borrow money, then the rules must be explained to you clearly." I don't want your three-cent interest, one and a half cents a month, to be repaid monthly. The principal is repaid in a quarter every six months and settled in two years. As for your pledges, forget it, my Lingtai Pavilion is not rare. Anyway, if you can't afford to pay it back, someone from your own Moon Washing Sect will ask you for an account, and then you will have to pay off everything you have, and even you yourself will have to sell yourself to make up for the difference...... With your current strength, you can sell it for a lifetime. ”

"That's nature!" Tang Zheng agreed.

After explaining all the matters that should be paid attention to, Mrs. Shui handed the IOU to Tang Zai: "There is no problem, just drip blood marks on it." ”

Tang Zheng didn't look at it, he bit his finger directly, and stamped it with a heavy red blood mark.

This IOU is made of a special talisman paper, and once you drip your own blood on it, it is equivalent to locating your own location to the owner of the IOU, and unless you escape from the Qixia Realm, you can be found wherever you are.

After doing this well, Mrs. Shui handed over a hundred pieces of spirit jade to Tang Zai, and Tang Zai took the money and left.

Mrs. Shui looked at Xie Fengtang at this time, and said with a strange gaze: "You are really a person, how can you agree to lend him the money? He is a young boy, what will he pay back when the time comes?"

Unexpectedly, Xie Fengtang replied: "What I want is that he has no money to return." There are some things you don't know, so you don't need to ask. ”

As he spoke, he smiled and left.

The Moon Washing Party's patience with Tang Zheng is also gradually disappearing, but it has never found any opportunity to ask.

Now Tang Zheng owes a huge debt of 100,000 yuan, and if he doesn't come out at that time, it will be an opportunity for the Moon Washing Sect.

For this opportunity, how can Xie Fengtang let it go?

————————

took the money and left, and Tang Zheng walked around the Lingmiao Place.

With a huge amount of money, this time he saw all the good things.

The fifty-year-old purple poria, the hundred-year-old ice lotus, the thirty-year-old chalcedony, and even the demon pill that has escaped the mortal realm are all among his searches.

Yes.

All of them are herbs used to cultivate deviant scriptures.

From beginning to end, Tang Zheng didn't plan to do anything as a puppet of 100,000 yuan.

The biggest problem with lending in ancient times was the lack of supervision over how the money lent out was used.

The lender has always only cared about the lender's ability to repay, and how to deal with it if it can't pay it back, as for how to avoid the customer from paying back the money, and how to supervise the finances, this kind of thing has never been considered by the lender. The existence of "recourse IOUs" has greatly reduced the possibility of borrowers escaping, so that no one thought to see how Tang Zheng used the money.

With an unprecedented huge amount of money, Tang Zheng scavenged in Lingmiaofang.

This is also his biggest consumption since entering the academy, nearly 110,000 spiritual money, which he squandered in just one hour.

When he returned to Tao Ranju with a large bag of precious materials, almost all the rare materials on the Lingmiao Fang were looted by him, so that there was no medicine source in the academy for a short time, and the price of materials also soared in the following period, but this had nothing to do with Tang Zheng.

Back at Taoranju, Tang Zheng boiled a large bucket of water, processed the herbs, poured them into a basin, and began the fourth purification.

This was also his biggest refining so far, and under the steaming of the medicinal bath, it was only a little bit of a mental exercise, and a large amount of medicinal properties seeped into his skin and poured into his body with the water vapor.

The body that is extremely tired due to excessive blood loss during the day is like a baby waiting to be fed, greedily sucking every bit of nutrients, without the concept of nothingness and no supplement.

Tang Zheng's body is like a bottomless pit, and no matter how much benefit there is, it can be contained in everything.

In this medicine mist, Tang Zheng's body also underwent subtle changes.

His skin became whiter and whiter, faintly revealing a jade-like luster, warm and elastic, but no one knew that under this seemingly quiet appearance, Lu Dao was filled with a powerful and almost violent force.

Tang Zheng felt that there was heat in his body, and he roamed all over his body frantically, and an indescribable force filled him, making him can't help but want to scream and fight!

It was a desire from the exuberant flesh to vent.

However, Tang Zheng knew that he had to hold back, his mind was running at full speed, and the steaming water vapor actually converged into a cloud-like existence above his head, spinning strangely, and Tang Zheng's face was already flushed with blood, constantly changing color under the transpiration of the water mist......

This time, the refining time was extraordinarily long, from the afternoon until the next day, before all the medicinal properties were absorbed.

When he came out of the medicinal bath, Tang Zheng swept away the decadence after blood loss, and the whole person became energetic, as if he had been reborn, and he had a completely different feeling.

It was an indescribable feeling, the surrounding scenery became a little different again, everything around him did not change in any way, but it fell in Tang Zheng's eyes, just a light glance swept over, he seemed to see the existence of any point at the same time.

It's all in sight!

It's all in the bottom of my heart!

Subtlety.

At that moment, Tang Zheng had already understood that he had reached the subtle realm that cultivators often said.

After the cultivator has cultivated his body and mind to a certain level, the five senses, the five organs and other functions have been greatly strengthened, and his visual power, hearing and other perceptual abilities have been greatly increased, and his internal hematopoiesis, regeneration and other abilities have been greatly improved.

And the subtlety is one of the manifestations that makes the observation more detailed, looking at the past, and there is nothing to hide.

Above the subtlety, it is the void, breaking the delusion, no spell, only with the naked eye can penetrate the netherworld, see through life and death, and break delusions, but it is a higher level, and Tang Tribulation cannot reach it for the time being.

I didn't expect a medicinal bath to make myself into detail, and Tang Zheng had to be convinced, although the method of the master of the soldiers cost a lot, but the effect was really not to say.

At this time, his body skin was as white as jade, and he really became a jade body.

The body of jade, jade chalcedony, from the outside and the inside, strengthens the five internal organs, and the ability to penetrate into the subtleties is the reason for this.

On the contrary, in terms of strength, although Tang Zheng felt much larger than before, it was limited compared to the investment of 110,000 yuan.

On the one hand, Tang Zheng knew that the effect of this refining was from the outside to the inside, and it was mainly strong inside, and on the other hand, it was because he had not yet developed it further.

The physical changes brought about by menopausation are mainly the improvement of physical potential, three points of effectiveness, seven points of potential, and it needs to be polished in the later stage to really play its role, and the way of polishing determines the direction of potential development.

It is also a cultivation and deviance, it can be a fierce offensive type, it can be a long strength type, it can be a powerful type, it can be a copper skin and iron bone type, and it can also be a super powerful recovery ability to fight unkill.

Tang Zheng's training in the Heavenly Palace made his deviance in the previous stages mainly manifested in defense, with the condensation cover and the phaseless golden body, even if he stood there and let people fight, ordinary students couldn't move.

As for how the potential brought by this time will develop, it depends on his own life experience and choice of direction.

Even so, Tang Zheng's strength at the moment has improved by leaps and bounds.

The medicinal materials of 110,000 spirit money were smashed down, and the physical quality brought by them was not comparable even to a cultivator in the Hundred Refining Period of the Mortal Realm.

Beneath Sven's exterior, a berserk beast has lurked!