Cultivating Immortality: Starting from Ferrying Passengers

Chapter 53: Speculative Female Cultivator
Fang Jingxuan looked at the slightly lazy Wang Xinyu and felt a little surprised. This Heye Street is located in a remote area. Why did Wang Xinyu, a spiritual pharmacist, choose to settle down here?
Facing Wang Xinyu's question, Fang Jingxuan thought for a moment and then replied:
"I had this idea, so I came to see the house. If it's suitable, I'll buy it."

Wang Xinyu's eyes lit up, and he said to Fang Jingxuan:

"That's fine. We'll be neighbors from now on. Do you have enough money to buy a house? Do you want me to lend you some?"

Why is she so enthusiastic? Fang Jingxuan was a little puzzled. He recalled his relationship with the female cultivator in front of him, and it seemed that they had only met once.

However, he still needed 200 low-grade spirit stones, and had wanted to ask Lao He for some. But now that Wang Xinyu had taken the initiative to bring it up, he didn't need to bother Lao He.

Thinking of this, Fang Jingxuan said to the broker behind him:
"I really like this property, but I need to think about it. You can also ask the previous owner if the price is negotiable. Let's stop here for today."

Fang Jingxuan sent the broker away. If the deal was done, the broker would take a 2% commission, which was thirty-four low-grade spirit stones.

He pays one point and the original owner pays one point, but in fact, he is the one who pays.

After the broker left, Fang Jingxuan began to talk seriously with Wang Xinyu. He wanted to find out what Wang Xinyu's motive was.

"Well, why should I lend you the spirit stones? Of course I have to charge interest. You don't think I'm lending it to you for free, do you?"

Facing Fang Jingxuan's doubts, Wang Xinyu generously stated his purpose.

"Brother Wei Tong is willing to accept you. It can be seen that you are not the kind of person who will cheat easily. He hates people who do not keep their promises the most.

Besides, you have a spirit turtle by your side, so you shouldn't be unable to pay back even this small amount of spirit stones.

If you want to default on your debt, I will ask Brother Wei Tong to be the judge. I don't think you want to face him asking for the debt.

So after comprehensive consideration, I am willing to lend you some spirit stones and earn some interest. It will benefit both you and me, killing two birds with one stone."

So that's how it is. I said I didn't have the potential to be a gigolo.

"How is the interest calculated? Is it okay to pay it once a month?"

Fang Jingxuan was really moved. Wang Xinyu was so straightforward that he had a good impression of her.

Lending money with interest is only natural, but it is best not to mix emotions into it, otherwise the feelings will deteriorate and the money will not be recovered.

Hearing that Fang Jingxuan was willing to lend it, Wang Xinyu was immediately overjoyed. She looked around and then said to Fang Jingxuan:

"This is not the place to talk. Come, follow me into the house."

Wang Xinyu opened the courtyard gate and walked in with Fang Jingxuan and Tuo Yuan.

Fang Jingxuan was led in like this. To be honest, it was his first time to visit a female cultivator's home.

As soon as you enter the door, what you see is a large area of ​​medicinal herbs and spiritual plants, scattered here and there, and it seems that there are many kinds.

Some of the herbs have been harvested, while others are still growing lushly.

"I also like the large space here so I can grow some herbs and spiritual plants. Otherwise, I would have to buy everything myself, which would cost a lot of spiritual stones."

Wang Xinyu casually kicked a piece of debris aside, making way for Tuoyuan.

"It's a bit messy. I have too much stockpiled goods, and no one has been here for a while. Please forgive me."

Fang Jingxuan looked at the large and small packages piled together and asked curiously:

"Friend Wang, what are these?"

"Hey, don't mention it. The market was under lockdown a while ago, and I thought that some kinds of spiritual herbs would be in short supply after the lockdown was lifted, so I stocked up in advance. But I didn't expect that the market was not out of stock during the lockdown, so I'm stuck with them for now."

Wang Xinyu looked depressed when talking about this, while Fang Jingxuan, who was standing beside him, was secretly thinking in his heart that fellow Daoist Wang Xinyu really likes to speculate.

Ordinary spiritual pharmacists are similar to ordinary doctors. Some sit in the clinic, while others provide home consultations.

But Wang Xinyu lives in such a remote place, and seeing patients in the clinic is obviously not her main job. So, is her way of making money to sell magical herbs and medicines?

No wonder people want to hoard elixirs to make money. It's just like betting on futures, but at the moment, it's a waste of money.

When they arrived at the main hall, Fang Jingxuan asked Tu Yuan to wait outside and specifically told him not to eat the fruit on the side, as the fruit was bright red and looked very tempting.

Wang Xinyu cut a cup of tea for Fang Jingxuan. Seeing Wang Xinyu busying around, Fang Jingxuan quickly said:
"Let's get down to business, Fellow Daoist Wang. I wonder how you're going to collect the interest."

At this time, Wang Xinyu sat aside, took out a small abacus from somewhere, and started fiddling with it.

"It's like this. Five hundred low-grade spirit stones, calculated at a five-point interest rate. One thousand low-grade spirit stones, calculated at a four-point interest rate. One thousand or more, uh, I can't give you that much for now. After all, we're not familiar with each other yet."

It seems that my credit, in Wang Xinyu's eyes, is not even worth a thousand low-grade spirit stones, even with Tu Yuan added.

But this 5.4% interest rate, wouldn’t it be monthly interest?

In this case, the annual interest rate would be 60%. How could I possibly borrow this money?

In response to Fang Jingxuan's doubts, Wang Xinyu said:

"Of course it's annual interest. I'll lend you one thousand low-grade spirit stones, and after one year, you just need to return me one thousand and forty-five."

After hearing this, Fang Jingxuan decided that he would make friends with Wang Xinyu.

Perhaps it is because the prices in the cultivation world are very stable, the price of spirit stones here is very strong. The value of an item does not change much over the years.

As a result, the interest rates for lending business here are generally not high, of course, the prerequisite is to find a reliable person to borrow from.

Fang Jingxuan had never thought about borrowing money before. In his impression, borrowing money was never a good thing.

If you happen to meet a black-hearted person, you can borrow a hundred low-grade spirit stones, and then with the interest compounded, even if you add another five hundred low-grade spirit stones, it still won’t be enough.

He would rather save money slowly than borrow money. He feels at ease when he spends only what he earns.

But the situation is different now. As Wang Xinyu said, Wei Tong is between him and Wang Xinyu. Wang Xinyu believes that Fang Jingxuan would not be angry with Wei Tong because of these spirit stones.

Fang Jingxuan also believed that Wang Xinyu would not cheat him because of these spirit stones.

Fang Jingxuan calculated his current shortfall. He was still two hundred short for the down payment on the house. After that, he would have to hire someone to renovate the courtyard, dig a lake, create landscaping, and set up a protective formation, which would be another large sum of money.

Liuzai can't stay in the water basin all the time, and Tongcan Baoshu can't always go out with his storage bag stuffed with things.

In that case, just borrow it and pay it back slowly later.

Fang Jingxuan was confident that he would be able to pay off Wang Xinyu's debt in a year, and then he would have to pay the mortgage.

I just didn’t expect that even in the spiritual world, I would have to take out a loan to buy a house.

Fang Jingxuan looked a little jealous. It turned out that their lives were just like those of cattle and horses.

(End of this chapter)