"Mr. Xiao, are you sure you want to use your house as collateral for a loan?"
Inside the rural commercial bank, the bank's president looked at Xiao Chen in disbelief and said...
"That's right, what's the maximum amount I can get a mortgage on my house?"
Xiao Chen took a leisurely sip of tea and asked.
The loan wasn't a spur-of-the-moment decision for Xiao Chen. Having spent many years navigating the complexities of Hangzhou, Xiao Chen naturally knew that the so-called black market truly existed.
With enough money, you can even get a gun. You should know that in China, where guns are completely banned, getting a gun is no easy task.
Although Xiao Chen has now become a cultivator and is no longer afraid of firearms, some people are still afraid and want to get some of them to avoid wasting their spiritual energy.
"Xiao Chen, since your house is in a prime location, and property prices are still rising, we can only get you a loan of up to five million. Are you satisfied with that?"
Upon hearing Xiao Chen's words, the bank manager quickly responded.
"I wonder how long it will take me to receive this money?"
"The procedures will take some time; it will probably take a week to get approved."
"It's been too long, I need it urgently, can it be tomorrow?"
Xiao Chen shook his head and said that he could only accept tomorrow at most. In a week, the bank would probably have been flooded by the heavy rain.
"That might be a bit difficult."
The bank manager looked somewhat troubled upon hearing this, as he couldn't make the decision on this matter himself.
Two million.
Xiao Chen spoke slowly, but the bank manager seemed somewhat confused about what Xiao Chen meant.
“What I mean is, I need two million. If you can approve the loan tomorrow, I’ll mortgage my house for two million.”
Upon hearing Xiao Chen's words, the bank manager quickly made up his mind: mortgaging a house worth five million for two million would be a huge profit.
"Okay, it's a pleasure doing business with you. The money will be transferred to your account tomorrow."
The bank manager said excitedly, "After all, if Xiao Chen doesn't have the money to repay, I'll have made a net profit of three million!"
That's right, the bank manager paid for it himself. If Xiao Chen doesn't have the money to repay, then they can just take Xiao Chen's house.
Xiao Chen and the bank manager quickly completed all the formalities.
"Just a reminder, Mr. Xiao, you need to repay this money within a year and bring back the principal of 500,000 yuan. Otherwise, we can take your house directly."
Before Xiao Chen left, the bank manager gave him a reminder.
"Okay, I understand. Until we meet again."
After saying that, Xiao Chen turned and left. *You think I'm kidding? Pay me back? If you're still alive a year from now, come and ask me for it.* Xiao Chen thought to himself with a cold laugh.
The bank manager was left standing there and couldn't help but laugh.
In his view, this house was already secured, which was equivalent to him earning three million in a year, a huge profit.
As Xiao Chen walked out of the Agricultural and Commercial Bank, he looked up at the vast starry sky. He could only see an endless expanse of stars and couldn't help but sigh, realizing that he wouldn't be able to see this starry sky in three days.
However, this time he had made ample preparations, and having become a cultivator, the so-called apocalyptic crisis was nothing more than that in Xiao Chen's eyes.
Once you become a Foundation Establishment cultivator, what can ice and snow do to you? And those at the Golden Core stage, who are above Foundation Establishment, will be unharmed even if they are bathed in lava.
Thinking of this, Xiao Chen felt relieved and hummed a little tune as he walked back to his house.
Meanwhile, in apartment number five of the Happiness Community, a young girl had just finished washing up and was playing barefoot on the bed, but her face was full of sullenness.
"Xiao Chen hasn't contacted me all day? Has he given up? But I've only kept him hanging for two years."
As the girl finished speaking, another girl lying next to her hesitated and said, "Shui Si, do you think two years is too long?"
That's right, the woman lying on the bed is Shen Shuisi, the vicious woman who killed Xiao Chen in his previous life, and the woman lying next to her is her roommate and best friend, Xu Qing.
"Pshaw, two years is nothing. This is just a test for him. If he just holds on for another year, I'll accept his advances and become his girlfriend."
Shen Shuisi said with a disdainful expression. She usually relies on her good figure, so there are quite a few people in Shen Shuisi's fishpond. As for her looks, sorry, under the four evil makeup arts, even an ugly woman can be transformed into a peerless beauty.
If Xiao Chen were here right now, he would probably vomit. Shen Shuisi looks like a completely different person before and after makeup.
"That's true. There are too many scumbags these days. If we don't test them a little, who knows if they'll change their minds in the future?"
Upon hearing this, Xu Qing nodded earnestly, giving off an impression of a brilliant strategist.
"By the way, what would you do if Xiao Chen really gave up?"
Xu Qing quickly realized something and reminded him with some concern.
"Give up? It's just that my attitude was a bit cold. If I gave him even the slightest hint, I guarantee he would come running to me like a puppy."
Shen Shuisi said confidently, though it was unclear where her confidence came from. Moreover, Xiao Chen was the best fish in her pond, earning two to three hundred thousand a year. If she weren't forced to, Shen Shuisi would naturally not give up on Xiao Chen.
"By the way, if you two are officially a couple, remember to take control of his savings and keep them for yourself. After all, men are prone to changing their minds when they have money."
Xu Qing reminded her.
"I know that too. If I become Xiao Chen's girlfriend, I'll give him 500 yuan a month for pocket money, since he eats and drinks at home."
After thinking for a moment, Chen Shui said, "Five hundred yuan is quite a lot, isn't it?"
"Alright, it's getting late, let's go to sleep."
Xu Qing suddenly remembered something and pounced on Shen Shuisi with a mischievous grin. Soon, the two were playfully embracing each other, creating a scene of springtime intimacy. It was just a pity that no one was there to witness it. Who would have thought that Shen Shuisi and Xu Qing were actually a lesbian couple?
Meanwhile, Xiao Chen, after returning to his house, didn't think much about why Shen Shuisi hadn't come looking for him.
Instead, he took out spirit stones directly from the Creation Ring and began to cultivate. After all, with the crisis imminent, it was safer to have a stronger cultivation level.
Moreover, Xiao Chen's condition would return to its peak while he was in a state of cultivation, so why not take advantage of it?
As Xiao Chen cultivated, some inexplicable changes also occurred at the Earth's North and South Poles.
All that could be seen was a terrifying cloud formation slowly brewing deep in the North and South Poles, seemingly possessing terrifying power that, once unleashed, would be a cataclysmic disaster.
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