Lin Maozhi, the owner of Lin's Auction House, is also a prominent figure in the Tianyan Continent.
At a young age, he made Lin's Auction House number one.
Previously, Lin Maozhi was unable to cultivate due to his furnace physique, which made him depressed.
Fortunately, he met Song Chen and Zhao Ziyi in Zhuoyangchuan.
After the two people gave their advice.
Lin Maozhi finally learned how to break the Furnace Cauldron Physique.
That is to find someone and become their destined partner.
Later, after the Immortal Realm Grand Competition ended, Lin Maozhi followed the two into the Immortal River Garden to cultivate, and also to find a partner.
Upon arriving at Xianhe Garden, Lin Maozhi was a complete novice and knew nothing about the place.
Zhao Ziyi's senior sister, Huang Li, took on the responsibility of guiding his cultivation.
Thus, through repeated interactions, Lin Maozhi and Huang Li developed feelings for each other and fell madly in love.
The two of them soon became Daoist partners.
After that, Lin Maozhi's furnace-cauldron physique was abolished, and its harmful effects disappeared.
All that's left are the benefits.
He and Huang Li had been in the Immortal Illumination Continent for a year, and their cultivation had increased rapidly, both reaching the fifth level of the Foundation Establishment stage.
Lei Yanhao looked at the pretty boy walking towards him. His expression was somewhat distorted.
He is a cultivator at the Tribulation Transcending stage.
He actually allowed a cultivator with unsteady steps and poor cultivation to discuss matters with him!
"Hmph!" Lei Yanhao snorted disdainfully.
Lin Maozhi has a keen sense of business.
His first words upon stepping forward were a direct question:
"Elder Lei, could you repeat what you just said?"
As a businessman, Lei Yanhao was full of vulgarity and greed; no matter how high his cultivation level was, he could not hide his true nature.
He repeated what he had just said in a sarcastic tone:
"Our pawnshop does business with integrity and only charges extra interest. Would you like to lend us some money?"
Lin Maozhi nodded and took out a piece of paper:
"Of course I'll lend you the spirit stones, but your words are full of traps, I don't believe you."
It's best if we have a written agreement when we borrow money.
Lei Yanhao frowned upon hearing this:
"What nonsense are you spouting? You're insulting the reputation of the Longevity Treasury!"
Lin Maozhi said slowly:
"When you say 'only some extra interest will be charged,' you mean an additional 30% will be charged on top of the original 30% interest, right?"
"The Longevity Treasury has a clever trick; the spirit stones were barely lent out before the repayment deadline arrived."
Lei Yanhao quickly calculated his options, gave a cold snort, and changed the subject without responding.
"How many spirit stones do you need to borrow?"
Lin Maozhi pondered for a moment and then held up five fingers.
A contemptuous smile appeared on Lei Yanhao's lips:
"What? You only want to borrow five million spirit stones? Is that enough for you?"
Lin Maozhi shook his head and said:
"I need to borrow 500 million high-grade spirit stones."
There are five million monks present here.
"Is it alright to borrow 100 high-grade spirit stones in each person's name?"
One high-grade spirit stone is equal to 100 mid-grade spirit stones, which is equal to one low-grade spirit stone.
This is equivalent to each person borrowing one million spirit stones.
Lei Yanhao did the calculations and smiled.
“Your cultivation level is too low to borrow this much unless Wuchen acts as guarantor. If you cannot repay it, then he will repay it.”
Lin Maozhi glanced at Wuchen.
Wuchen nodded and said:
"I agree to everything. You can continue the conversation."
Lin Maozhi looked at Lei Yanhao and said:
"Then, we can start drafting the IOU."
Lin Maozhi took out his pen and wrote a few lines of vigorous and powerful characters.
This IOU is void if any verbal agreement is made.
Once the IOU is officially established, any additions or modifications will immediately invalidate the IOU.
[The risk of this loan is shared by both parties. In the event of force majeure, such as robbery, murder, or malicious damage to property, the amount of spirit stones to be repaid will be reduced depending on the severity of the incident.]
Clearly define the transaction details and the scope of interest charges.
These few lines left Lei Yanhao speechless.
He looked at Lin Maozhi and suddenly felt a sense of powerlessness.
Pawnshops can only make money from greedy people, ignorant people, and people who have nowhere else to turn.
When encountering a clever person like Lin Maozhi, a seasoned veteran of business battles, all his tricks were immediately seen through.
Especially the last sentence.
If everything has to be so clearly defined, how will they make money?
Lin Maozhi looked at him and smiled:
"Old Master Lei, let's sign the contract. You've already earned 30% profit, which is the highest interest rate in the industry. Don't be too greedy."
Oh, and by the way, remember not to shortchange me on the spirit stones.
Lin Maozhi's words almost made Lei Yanhao's hair stand on end.
Shortchanging customers is a taboo for business people!
Half a catty equals eight taels, and one catty equals sixteen taels.
Why sixteen taels?
Because the Big Dipper has seven stars, the Southern Dipper has six stars, and then there are three stars representing fortune, prosperity, and longevity, making a total of sixteen.
Lacking one or two ounces brings less fortune, lacking two ounces brings less prosperity, and lacking three ounces brings less longevity.
If it keeps decreasing, then we might as well just wait to die!
Lin Maozhi, this is blatantly cursing him to die!
Lei Yanhao snatched the paper and pen and, without any attempt to conceal it, wrote down his demands.
Under such terms, he had no way to cover it up.
Verbal agreements are meaningless; no matter how much he says, he won't gain any advantage!
In the past, he would have said a few words:
We're all fellow cultivators; we can calculate our interest however we like.
Don't worry, we definitely won't charge any extra interest.
【I think your xxx is pretty good, how about we give it to you as interest? Hahaha, let's not talk about xxx anymore, we'll talk about it later.】
However, under the Lin Maozhi clause, his methods were completely ineffective.
Lei Yanhao quickly wrote out the loan request and handed the IOU to Wuchen.
At the same time, he took out a storage bag, opened it, and allowed everyone to probe into it with their divine senses.
"Once you sign your spiritual imprint, the IOU will be valid, and the five hundred million high-grade spirit stones will all be yours."
Wuchen didn't even look at the IOU, and handed it directly to Lin Maozhi.
Lei Yanhao's last plan, driven by greed, also failed.
After reviewing the IOU, Lin Maozhi revised it again before handing it to Lei Yanhao and Wuchen for signing.
Lei Yanhao's true target is Wuchen.
He wanted the move "Peace of All Beings" by Wuchen.
He also desires a life free from worldly dust, spiritual roots, spiritual energy, and lifespan.
Pawnshops sell and accept everything.
After seeing these terms, Wuchen signed the spiritual imprint without hesitation.
Two spiritual energy imprints rose up.
A flash of light appeared on the paper, then the paper thinned and split in two.
Lin Maozhi smiled and said:
"You two elders, you can put the IOU away now."
Lei Yanhao snorted coldly, threw down the storage bag, and turned to leave.
"I'll only give you three years. Once those three years are up, you'll have to return the spirit stones with interest!"
"If you don't come back soon, I'll take away all your lifespans!"
As soon as Lei Yanhao left, a group of Tribulation Transcending stage cultivators behind him hurriedly followed.
The powerful aura dissipated.
The nearby cultivators all breathed a sigh of relief.
This is truly a life saved.
In their minds, the Nascent Soul stage ancestor was the most powerful.
However, after sensing the terrifying aura of the Tribulation Transcending cultivators, they felt that they could now face the Nascent Soul cultivators with a calm mind.
Lin Maozhi sighed:
"I never imagined that there would be cultivators in the Tribulation Transcending stage on the Immortal Illumination Continent. After passing the tribulation, they directly ascend to become immortals. So this is the ultimate goal of cultivation."
Wuchen snorted coldly:
"Hmph, in my eyes, their spiritual energy is impure; they are all evil cultivators. To ascend to immortality is simply a delusion!"
Lin Maozhi looked at Wuchen curiously and asked:
"Why does the Ancestor say that?"
Wuchen pointed to his eyes:
“I can see that they possess a spiritual energy that doesn’t belong to them.”
All cultivators on the Immortal Illumination Continent are thieves.
After hearing this, Lin Maozhi smiled knowingly:
"In that case, I know what kind of unethical business we're going to do."
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