"The regulations say that you need to have battle merits, but they don't specify how many. So I think it should be enough to have battle merits," the middle-aged man said with a smile. He didn't think that a martial artist as young as Chen Feng, like a recent graduate, would have any battle merits.

"That's great. I have 5 battle merits here, which should meet the requirements, right?" Chen Feng excitedly took out his martial artist badge, which recorded his battle merits.

"Ah, so young brother has actually made meritorious contributions. He is a hero of our human race." The middle-aged man was filled with respect after examining the document, because the merits of the Great Xia Dynasty were not awarded randomly. They were only awarded if the merits were beneficial to the human race.

"Thank you, I understand the policy now, I can get a mortgage for my third house when I get back." Chen Feng left happily.

Then, he went directly to find the real estate agent, Liu Xiaoxiao. She jumped up in surprise, grabbed him, and asked, "Little Feng, where did you move to? I went to your house a few days ago, but the security guard said you had already moved."

I sent you a message but you didn't reply. I thought you'd forgotten about me! Did you come to see your sister today because you wanted me to make you some noodles?

“Sister Xiaoxiao, where else can I move to? Didn’t I buy both of my houses here? Can’t you go and take a look at the houses I bought?” Chen Feng immediately retorted.

Liu Xiaoxiao was stunned upon hearing this, and then murmured, "I'm so stupid, really. I only knew you moved, but I never thought you would move to the new house you bought. Why was I so stupid?"

"Sister Xiaoxiao, I'm here today because I have good news. I'd like to get a mortgage on another apartment. Do you have any spare apartments left upstairs or downstairs from my place? If so, could you give me another one?" Chen Feng said, sitting down in her seat without any hesitation.

"You've made money? You really want to take out another mortgage? You're already paying nearly 10,000 yuan in mortgage payments every month. Taking out another mortgage will add another 5,000 or 6,000 yuan to the mortgage payments. Aren't you afraid of defaulting?" Liu Xiaoxiao asked in shock.

When Chen Feng asked her before, she always thought he was joking. After all, it was already a bit scary for a high school graduate whose parents had passed away to be able to get mortgages on two houses. Now he actually wanted to get a mortgage on a third house.

"Am I no longer a martial artist? I've been working several part-time jobs during the holidays, and earning 30,000 to 50,000 yuan a month is no problem. When school starts again, there will be many rewards and tasks to complete, so making money will be very easy."

"By the way, I went to the housing management center today to inquire, and the policy you mentioned does exist. Martial artists with battle merits can enjoy various preferential treatments, including mortgages on a third home," Chen Feng said with a smile.

"Let me check the policy document," Liu Xiaoxiao immediately pulled out an official document, found the contents, and then said, "It does require that you must have military merits. Little Feng, do you really have military merits?"

"Hey, that's because I accidentally discovered a gathering place of cultists last month, reported it to the police station, and then helped them catch one of the cultists, so I got 5 merit points," Chen Feng said proudly.

"Amazing. You are a hero of the human race, and also my great hero." Liu Xiaoxiao came over, hugged Chen Feng's neck, and held his head tightly to her chest, her voice choked with emotion.

"Sister Xiaoxiao, don't you know how great you are? You're trying to suffocate me!" Chen Feng struggled free and said with dissatisfaction, glancing at her magnificent bosom.

"Giggle." Liu Xiaoxiao, who was initially feeling a bit sad, was amused by Chen Feng and started laughing again.

The reason she was always so kind to Chen Feng, even to the point of having feelings for him like she had for her younger brother, was because her father and brother had both died at the hands of cultists.

When Chen Feng came to inquire about the house, he talked to her about his family situation. She learned that Chen Feng's parents had died at the hands of cultists, which made her feel a sense of sympathy for him, so she treated him differently.

"Sis, can you help me see if there are any houses with a larger area, around five or six million in total price?" Chen Feng said after thinking for a moment.

The two houses he mortgaged had a total mortgage payment of only 3.2 million. Even with some interest, 4 million would be enough, and he would still have about 5 million left.

Moreover, the repayment doesn't need to be paid off all at once; it can be paid off gradually in the future. As long as there is money in the bank card and the repayment is made on time every month, the cultivation experience will continue to flow.

Therefore, Chen Feng decided to buy a large house so that he could make more mortgage payments each month and naturally accumulate more cultivation experience.

"Little Feng, a house worth five or six million, you really made money? But it's impossible to make that much all at once, right? Let me tell you, even if you become a martial artist, you have to walk the righteous path. You can't make money through crooked means." Liu Xiaoxiao said with a puzzled and serious expression.

"Sister Xiaoxiao, haven't you been following the news lately? Don't you know I ranked tenth in the national college entrance examination? The Governor's Office, the Ministry of Education, the Martial Arts Department, and my school all gave me awards, totaling five or six million."

Moreover, all four of the nation's top universities sent teachers to vie for my place, offering all sorts of conditions; some schools were even willing to give me ten million yuan." Chen Feng immediately boasted.

"My mom was very sick a while ago, and I spent all my time taking care of her after work, so I didn't pay much attention to anything else. You really ranked tenth in the country in the college entrance exam? I think I heard about that, but I didn't know it was you."

"Little Feng, you're truly the man your sister has her eye on. You're amazing! You're currently tenth in the country, and you'll definitely become number one in the future. Don't you agree?" Liu Xiaoxiao said with immense joy.

"Hehe, the last sentence is definitely right, but the previous ones are wrong," Chen Feng said with a smile.

"You little rascal," Liu Xiaoxiao said, tapping Chen Feng's forehead with her fair finger.

Then, she took out a map of the residential complex where Chen Feng lived, looked at it, and said, "There are still some vacant villas in the northeast section of your complex that haven't been sold yet, but the total price is around eight million."

And since this is your third mortgaged property, even with your past achievements, the down payment should be half, which is four million. A four million mortgage would then have a maximum of 240 installments, which works out to about 18,000 yuan per month.

"Haha, you only pay this much each month? Less than 20,000 yuan. Even with the two houses you used to own, it's only about 30,000 yuan."

"Sister Xiaoxiao, I want one. We can complete the formalities today. The mortgage procedures will be handled normally." Chen Feng immediately smiled and decided to buy a villa.

However, since he did not lack cultivation experience at the moment, the mortgage application was not expedited, and the normal process would have taken about a month to complete.

"Ah, I'll take it. I haven't even introduced the villa yet. And aren't you going to take a look at the house?" Liu Xiaoxiao was stunned. She felt that Chen Feng had come specifically to buy the house, unlike other customers who wanted to see it several times and haggle over prices.