To be the best leader, you must also be the strongest leader!

Xuanying nodded. She decided to take some time to talk to Sun Yi. Although she had not been a member of Qingyun Sect for long, she had already thoroughly understood Qingyun Sect.

As the young master of the Tiangui Sect, how could he not want to seek benefits for the Tiangui Sect?

If Tiangui Sect learns a lot of things from Qingyun Sect, it will be very helpful to the development of Tiangui Sect. However, they had promised Sun Yi before that they would never disclose any information about Qingyun Sect without permission.

At this time, the battle in front of the Demon-Slaying City was still going on. The endless sea water was gradually flowing back as the demon army retreated, and the human cultivator army was still chasing the demon army.

In this way, the army of human monks chased and killed for a whole day and night, and finally reached the edge of the Endless Sea.

Watching the countless monsters fleeing into the Endless Sea ahead, many human cultivators still had expressions of wanting more. If it weren't for the Qingyun Sect cultivators' strict request not to chase them into the Endless Sea, these cultivators might have continued to chase them.

After this period of crazy killing, the human cultivators have very little true energy left, and have consumed a lot of various supplies, so they must go back to rest.

"Arrange everyone to clear the battlefield at full speed!"

"Return to Demon Slaying City as soon as possible to rest!"

……

The human monk army moved quickly, clearing the battlefield and returning to the Demon-Slaying City.

At this time, on the right side of the City Lord's Mansion in the central square of the Demon-Slaying City, two huge buildings were undergoing final renovations, and many monks from the Qingyun Sect were busy.

Some monks passing by the square saw these two huge buildings and showed curious expressions on their faces.

"What are they repairing here?"

"I don't know, the one on the right looks a bit like Qingyun Tower."

"It does look a bit like Qingyun Tower, but this is much bigger than the one in Qingyun Fairy City."

Just when these people were becoming curious, they saw a group of Qingyun Sect disciples placing two bulletin boards in front of the building.

"Let's go over and see what's written on it."

A group of monks gathered around, and everyone looked at the bulletin board in front of them.

"Qingyun Bank supports cultivation, and the consumer loan business has officially opened!"

"What is Qingyun Bank? What is the consumer loan business?" Everyone was very confused when they saw the title at the beginning, but when they saw the introduction at the end, they couldn't help but widen their eyes and exclaimed.

"This... isn't this similar to the advance payment we made before?"

"That's right, isn't this consumer loan the same as the previous advance payment of points? But there are some differences. The previous advance payment of points had no interest requirements, but this consumer loan requires interest."

"Haha, Qingyun Immortal City's previous policy of advance points was really good. Countless cultivators in the Immortal City benefited from it. It's a pity that the policy was later cancelled. Now it's not bad to reintroduce it in a different way."

"But this consumer loan requires paying interest."

"Hahaha, so what if there's interest? It's easy to make money in Luan Yao County nowadays. As long as you're strong enough, you can earn a lot of money."

"As long as I can borrow some Qingyun coins to improve my strength, once my strength improves, it will be easier to earn Qingyun coins, and I can easily repay the principal and interest."

"This consumer loan is great! You see, it doesn't even require collateral. Any cultivator who has completed registration with Qingyun Sect can apply for it."

"The previous policy on advance points restricted one from leaving Qingyun Immortal City. However, this consumer loan has no such restrictions. This is a very beneficial policy for cultivators!"

"Yes, you see, the limit for cultivators in the Foundation Establishment Stage is that they can actually directly borrow 500,000 Qingyun coins!"

"Is the Qingyun Sect crazy? This is 500,000! Any registered Foundation Establishment cultivator can borrow 500,000 Qingyun coins!"

"Tsk tsk tsk, even cultivators in the early stages of foundation building can borrow 500,000 yuan. This is too good to be true!"

"A cultivator in the early stages of foundation building isn't very strong. Even if they go to the battlefield, they won't gain much, and there's also the risk of dying. However, if they apply for a consumer loan of 500,000, they can purchase Qingyun battle armor, various life-saving talismans, elixirs, and various spiritual tools. Their strength can instantly increase several times."

"With the Qingyun Battle Armor, even a cultivator in the early stages of foundation building can enter the battlefield. Even if they don't participate in the main battlefield, it's enough to gain benefits in some marginal battlefields!"

"Although there are interest requirements, it is not excessive at all. This is a policy that is very beneficial to the advancement of monks!"

"Hahahaha, I want to apply for a consumer loan. I want to buy the Qingyun Armor!"

"I just broke through to the Foundation Establishment Stage not long ago. Because I'm not strong enough, I can't join in the hunt for monsters. But as long as I apply for a consumer loan, I can buy Qingyun Battle Armor and earn Qingyun Coins by hunting monsters!"

"That's right. Even if we can't get Qingyun coins by hunting monsters, the many jobs in Qingyun Immortal City are enough for us to earn money to pay off our debts."

“Such a good policy won’t have any restrictions, right?”

"Don't you see the rules listed here?" A monk pointed to two eye-catching requirements on the bulletin board.

The first requirement: the consumer loan applied for from Qingyun Bank can only be used for personal use and must not be transferred to others. This is the bottom line of Qingyun Sect. Once discovered, both parties will be subject to the most severe punishment, just like the skills purchased from Qingyun Sutra Pavilion cannot be passed on to others.

The second requirement: Monks who have applied for consumer loans must pay off their outstanding debts within the specified time before they can apply for the next loan. If they are overdue, they must accept the work arrangements of Qingyun Sect. Qingyun Sect will arrange jobs for those who are overdue until the debt is paid off.

At the same time, the notice board also clearly states that once the borrower dies, the outstanding debt will be cleared and will not be passed on to close relatives.

Generally speaking, the consumer loan policy is very relaxed. As long as you abide by the rules set by Qingyunmen, you can enjoy the benefits of advance consumption.

Yes, this is a huge benefit!

As long as the registration of Qingyun Sect is completed, cultivators in the Qi Refining Stage can directly apply for a consumer loan of 100,000 yuan, cultivators in the Foundation Establishment Stage can apply for a consumer loan of 500,000 yuan, and cultivators in the Golden Core Stage can apply for a consumer loan of 2 million yuan.

The maximum loan period is ten years, and the annual interest rate is 10%. Double the principal needs to be repaid within ten years. Early repayment is possible, and the interest for less than one year will be calculated as one year.

This is the method of calculating consumer loan interest that Sun Yi and his team discussed. This interest rate seems very high, but compared to the world of immortal cultivation, it is a very suitable interest rate.

The mortality rate of cultivators in the world of immortal cultivation is very high. Even though Sun Yi has tried his best to ensure the safety of the lives of the cultivators in Luan Yao County through various means, many cultivators will still die in battle. Once they die, the consumer loans they have are doomed to be irrecoverable, which will result in a large amount of bad debts.