Interest-bearing loans

Viscount Mild walked towards Elena with a smile on his face, took her hand like a gentleman, bent down slightly, and gave her a light kiss in the air.

"Nice to meet you again. I wish you good health," said Viscount Mild.

Elena nodded her chin modestly: "I wish you good health too."

Viscount Milder smiled and said, "Please forgive me for coming again and disturbing you."

Elena shook her head and smiled faintly: "No, I welcome friends to visit."

After a few social greetings, Viscount Mild told the real purpose of his visit.

"Miss Viscount Field, I'm here this time because I have a good business opportunity and would like to invite you to invest with me."

invest?

Elena became interested: "What business?"

Viscount Milder took out a map and unfolded it carefully.

Elena took a look and found that the outline of the map and the names of the cities on it were unfamiliar and she had no idea where they were.

"This is Cerelli Island," Viscount Mild took the initiative to explain to her. "Cerelli Island is the fourth largest island in our empire and the largest island in the Mauri Island chain. It has a warm and rainy climate and is rich in valuable plants..."

Viscount Mild spoke incessantly about the unique flora and fauna of Cerelli Island, the distribution of cities, population size, industrial pillars, customs and local practices, and he couldn't stop talking.

Elena fell asleep after listening to it.

Is this a geography class?

"There is an elephant wood garden for sale on the island. It is close to the port and has convenient transportation. Most of the elephant trees in the garden are more than ten years old and have good value. I think I can take over and purchase it." Viscount Mild finally told his real purpose.

Elena was so exhausted after listening to it that she wished she could just cut out the first half.

"How much?" Elena asked lazily.

Viscount Mild held up three fingers. "The original owner asked for 300 gold coins, but I think 260 gold coins will do."

Elena wasn't interested: "Oh."

Oh? What does "oh" mean? Don't want to buy it?

"Do you think it's expensive?" Viscount Mild asked quickly.

Elena shook her head: “I don’t know the details, I don’t know if it’s expensive or cheap, but I think this island is too far away.”

She only wants to buy land now, not the elephant wood garden.

Viscount Mild was anxious. Elena was the most suitable partner in his mind. If she refused, it would not be easy for him to find another partner who was capable of paying and easy to deceive, no, easy to talk to.

"I can take you to have a look. The quality of the elephant wood in this elephant wood garden is really good. After a few more years of cultivation, it can be sold at a high price..." Viscount Mild kept chattering, trying to persuade Elena.

Elena still shook her head. She needed to raise the baby for a few more years, and the time cost was too high. If she had that much time, she might as well open a few more pharmacies and scroll stores, and build a large chain brand across the country. Wouldn't that make money faster?

Seeing that Elena really had no interest, Viscount Mild's heart sank.

The reason why he came to Elena was because he felt that Elena was very rich and easy to persuade. Otherwise, how could she casually lend large sums of money without interest again and again?

Elena's "kindness and generosity" is now known to everyone.

So before Viscount Mild came, he was very confident that he could convince Elena to invest together.

But now Elena rejected him.

The optimal solution in Viscount Mild's mind could not be achieved.

What should I do now?

Find another partner?

But it is really hard to find a suitable partner. Who among those doing business doesn’t have more tricks than grains of sand in the river?

People like Elena, who are capable, have strong backing, and do business honestly and in accordance with the rules, are the real anomalies.

Viscount Mild sighed deeply in his heart. With a "good person" like Elena in front of him, he looked down on other partners even more.

After much deliberation, Viscount Mild finally gritted his teeth.

"Then can you lend me the money? I can pay you interest." said Viscount Mild.

Elena's eyes widened suddenly, and she seemed a little surprised.

Viscount Mild repeated with a firm look: "Can you lend it to me? I can pay the interest."

"Are you really optimistic about this elephant wood garden?" Elena asked in surprise.

Viscount Mild nodded heavily: "Yes."

Elena frowned, bit her lip, and after hesitating for a moment, asked, "How much do you want to borrow? 260 gold coins?"

"I don't need that much. I was originally planning to split the investment with you 50/50." Viscount Mild shook his head, "So you only need to lend me 180 gold coins."

Elena said, "Then how much is the interest?"

Lord Milder said, "Let's pay it at the market price."

So Viscount Mild used Viscount Antoine's land mortgage agreement as a model and agreed with Elena on the interest and settlement method. In the first year, only the interest would be settled, and in the second year, the principal and interest would be returned.

The first interest-bearing loan was lent out in this way.

Elena suppressed the joy in her heart and sent Viscount Mild away.

Great, she has taken the first step into the second stage and she can earn interest.

After taking the first step, maybe it was luck that Elena's Viscount's Mansion had a new visitor. A few days later, Woodlow asked for a meeting.

Woodrow, a wealthy man in Book Harbor and a shipping magnate, was also one of the first big businessmen to reach an agreement with Elena on the sale of spice powders and sauces.

Woodrow was not a noble. When he saw Elena, he first bowed politely, then said with a gentle and polite smile: "Miss Viscount, your business is now growing and becoming more and more prosperous. It is really enviable."

Elena smiled: "It's just good luck."

After a few more compliments, Woodrow said, "Miss Viscount, I'm here for two reasons. First, I want to discuss with you whether you can offer a preferential price for my caravan using the teleportation array. You know, my caravan travels to many places and uses the teleportation array quite often. We have a long-term cooperative relationship, so could you offer a discount?"

"Of course you can." Elena agreed generously, "I can give you a 30% discount."

Woodrow was overjoyed. He had not expected the Viscountess to agree so easily and offer such a good deal. "You are so kind and generous. May you always be healthy and happy."

Elena nodded and chuckled, accepting Woodrow's sincere blessing.

The teleportation array is actually the same as logistics. If the number of shipments increases, of course some discounts will be given.

Moreover, although it seems that she made a little less profit, wasn't the spice powder and sauce that Woodrow's caravan transporting the ones she made?

From another perspective, the transportation fee of the Caravan Festival is one of the costs. If the cost is saved, the profit will be higher, and the dividends she gets will be more. In the final analysis, it is just a transfer from one hand to the right hand.

She actually made a lot of money.

After thanking him, Woodrow turned to the second matter: "The second thing is, I want to ask you if you are interested in buying an island."

Buy an island?

Go directly from Maixiangmu Park to Maidao?

Elena's surprise was honestly reflected on her face: "Buy an island? Which island? An owned one or not?"

"The island is to the north of Rosyth County, within the scope of Baronalariki County. It has an owner, but now the owner wants to exchange the island for cash, so he is selling it." Woodrow said, taking out a small map and pointing out the location of the island on it.

When Elena heard the name of Baronalariki County, she felt a little familiar. When she saw the location on the map, she remembered it.

Ah, isn't this the territory of the Marquis of Truro?

The Marquis of Truro was the old man who was poisoned by the devil snake and whom she and Leonard met on their way to the royal capital by boat. His territory was called Barona County.

"Who is the owner of the island? I have met the Marquis of Truro once. Is he going to sell the island?" Elena asked directly.

"You know the Marquis of Truro?" Woodrow was a little surprised.

"We met during the trip to the capital on your ship. The Marquis of Truro shared the same ship with us for a while, and Leonard even helped to remove the demon snake venom from the Marquis of Truro's body." Elena said with a smile and a very cheerful tone.

"I see, that's great." Woodrow's eyes lit up. This would make it even easier.

Woodlow said, "The original owner of the island was the Marquis of Truro, but later the Marquis of Truro gave it to his youngest son, Master Ogden. In addition to this island, he was also given several other islands and pieces of land. However, Master Ogden prefers to live in the capital, so he now plans to sell the islands and buy a house in the capital."

Elena became even more interested after hearing this: "How many islands do you plan to sell in total? Has anyone bought the other islands?"

Woodrow smiled. "Are you interested? Unfortunately, apart from this island, all the others have been bought by people within his family. After all, they have better inside information and can act faster. This island, on the other hand, has few resources, so no one wants it, so it's for sale."

Elena sighed regretfully.

Woodlow continued, "However, this island has a good location. It's a good sheltered harbor and can serve as a stopover and supply point for long-distance ships. I'm very interested in buying this island."

Elena nodded and hummed.

It turns out he also came to borrow money.

Seeing that Elena didn't express her opinion, Woodrow could only continue, "But the current owner of this island, Master Ogden, has a special status. I'm just an ordinary businessman. I don't want people to mistakenly think that I'm on Master Ogden's side because of the island purchase."

"I came here specifically to ask you, Miss Viscount, if you are interested in buying the island. If you want to buy the island, I would like to buy it with you."

Elena blinked. Aren’t you here to borrow money?

Woodlow said, "Don't worry, I can pay a little more, and the ownership of the island belongs to you. I just want to build a shelter and warehouse on this island. I just want the right to use these two things."

Investing together to buy an island, but only wanting the right to use it?

Elena blinked again, oh, she understood.

Woodrow wanted to buy the island, but he didn't dare to offend anyone, so he could only find someone with greater power to back him up, to invest in the purchase together, and he would get some of the dividends.

Doing this would be an advantage for her.

Elena was a little tempted, thought about it, and asked, "How much does it cost to buy this island?"

"It's not expensive, just 150 gold coins," said Woodlow.

150 gold coins are indeed not expensive, and Woodrow, a wealthy man, can afford it himself.

But in this matter, money is not the problem; the identity of the person buying the island is the key.

Elena couldn't help but ask curiously, "What's so special about Master Ogden's identity?"

Woodrow said, "Master Ogden is the illegitimate son of the Marquis of Truro. That's the problem. The Marquis of Truro's eldest son, the true heir, has died, leaving behind only a daughter, Sylvia. Miss Sylvia is chaste and naturally qualified as a noble lady, but as the heir to a fiefdom..."

Woodrow considered his words carefully. "It's a little, a little inappropriate. Because of her chaste character, there's a lot of debate within the family about whether Miss Sylvia should inherit the title."

"But Miss Sylvia's mother was born into a noble family, the daughter of a duke. Although she remarried after her husband's death, she certainly spared no effort to secure inheritance rights for her daughter."

"Although Miss Sylvia has a chaste character, she has a strong mother and a powerful maternal grandfather behind her. There are considerable forces supporting Miss Sylvia in inheriting the title of Marquis."

"On the other hand, Master Ogden's illegitimate status means he faces numerous obstacles in his path to succession. However, the Marquis of Truro favors him. He is on the side of the eldest prince. If the eldest prince ascends the throne, it wouldn't be impossible for the Marquis of Truro to seek a title for his illegitimate son."

Dukes and marquises are both high-ranking nobles, and are great nobles who are granted titles by the king himself. The title of marquis involves too many forces and relationships.

However, Elena felt a little bored after listening to it. This kind of script should be placed in a domestic fighting novel. It always felt a bit weird to put it in a Western fantasy novel.

This is a magical world, a world with gods and monsters. The journey should be about magic and swords, warriors and dragons, light and evil, faith and magic. It should be such a vigorous battle path. Why bother with family fights and court fights?

How boring.

Elena simply threw this complicated and tangled relationship aside and said to Woodrow, "I paid for the purchase of the island. Since I own it, I should pay for it. You can use your money to build the dock and warehouse."

After thinking for a moment, Elena continued, "After it's built, if you conduct external business, you only need to hand over 40% of the profits to me."

Woodrow was overjoyed. This plan was so good, far exceeding his expectations. "Very good, very good. Thank you for your generosity, Miss Viscount. You are truly a kind and benevolent person."

Elena waved her hand and said to him, "Regarding the purchase of the island, please contact Master Ogden on my behalf. Once the transaction time is agreed upon, please inform me."

If there is no opportunity to buy land, then buy an island first. Anyway, the area of ​​the island can be counted into the total land area, so just increase the total land area first.

"Okay, okay, Miss Viscount, please rest assured. I will do my best to get it done," Woodrow assured quickly. "I will never cause you any trouble."

That's great. It turned out that I made the right decision to come to see Viscountess Field today. Viscountess is as straightforward, generous and easy to talk to as ever. Not only did she buy the island in full, but she also only took 40% of the profit from him. Such a good noble is really rare.