Chapter 170 The Breeze Blows Through the Spirit Tree

Before, when Mingyue Palace was uprooted by the black-clothed Hedao, many other similar organizations were also involved.

Li Fan guessed at the time that these organizations might not have imitated Mingyue Palace after seeing its great cause of transferring the Dharma in full swing.

Rather, these organizations were originally engaged in lending-related businesses.

After seeing the huge profits generated by Mingyue Palace every year, they could not help but imitate it.

Daoyuanzhou has it, so Congyunhai should naturally have similar organizations.

If you want to get rich quickly, how can you not use leverage.

Li Fan plans to take advantage of the huge fluctuations in the price of Lingwu Grass to make a lot of money.

Naturally, he needs the help of these lending organizations.

But whether it was before or in this life.

After many inquiries, Li Fan could not find any trace of it.

Obviously, this organization is very cautious.

So, Li Fan came to He Zhenghao to find out.

As expected, He Zhenghao did not disappoint him.

"Fellow Daoist, you'd better think about it again before going to Qingfeng Hall."

"They won't lend you contribution points for nothing. You have to pay a high interest rate of 18% every year."

"If you make money, it's fine. This interest can be paid off quickly. If you lose money..."

He Zhenghao's eyelids jumped: "I'm afraid I'll have to work for those guys for free for more than ten years."

Li Fan bowed: "Fellow Daoist, I've taken note of your request. But don't worry, I know what I'm doing."

"I won't bother you anymore. We'll talk next time."

After that, Li Fan returned to Wanxian Island through the teleportation array.

He went straight to Qingfeng Hall.

In the corner of the outermost area of ​​Wanxian Island, I finally found it.

It was inconspicuous and there was no difference from an ordinary small shop.

Li Fan activated a hidden talisman and walked in.

An old man who looked quite sloppy was sleeping on a recliner behind the counter.

A customer came in without opening his eyes.

Still closed his eyes and rocked the chair.

Li Fan took out the dark green jade token as He Zhenghao instructed.

"Beep, beep."

The old man knocked on the cabinet three times.

The dark green jade token emitted a faint light, forming a door.

Li Fan looked around for a moment, then walked into the door.

His figure disappeared, and the green door shadow also disappeared.

As for the old man, his posture did not change at all from beginning to end.

It seemed that no one had ever been to Qingfeng Hall.

The surroundings fell into darkness at first, and then lit up again.

Li Fan looked around and found himself under a big tree.

And the effect of the hidden talisman that had just been activated was also instantly lifted.

The branches and leaves were lush, and the leaves were like jasper, emitting a bright luster.

And on the tree, a human face appeared.

It stared at Li Fan and asked, "Who introduced me here? What are you doing here?"

Li Fan looked at the tree face and said loudly, "I was introduced by He Zhenghao, the garrison commander of Liuli Island. I want to borrow something from your Qingfeng Hall."

The tree face seemed to be a little slow in responding.

After Li Fan finished speaking, it took a long time before it replied, "For cultivators in the late stage of foundation building, the upper limit of the contribution points that can be borrowed is 30,000 points."

"The annual interest rate is 16%, and you can choose the repayment method yourself."

"The maximum arrears time is no more than ten years."

...

The tree face slowly introduced the business of Qingfeng Hall to Li Fan one sentence at a time.

After speaking, Li Fan said with some dissatisfaction, "How can I only borrow 30,000 contribution points in total? It's not enough."

"I am 29 years old in the late stage of foundation building, and I have a bright future. Can you treat me more favorably?"

The tree face tried to open its eyes wide and stared at Li Fan carefully.

After observing for a while, he said, "You can borrow up to 40,000 contribution points."

Li Fan was a little impatient: "Only 10,000 contribution points? This is too stingy!"

"When I was in Yuandaozhou, I was still in the middle stage of foundation building. I could borrow 70,000 or 80,000 contribution points from Mingyue Palace at once!"

"Why is there such a big difference between you Qingfengtang!"

"Brother Shu, can you make the decision? Otherwise, let's change to someone who can make the decision and talk again?"

Li Fan said carelessly, but he glanced in a certain direction without any expression.

The branches above his head moved without wind, and the green leaves swayed lightly, making a rustling sound.

Tree Face stared at Li Fan expressionlessly.

Li Fan was also fearless and stared at Tree Face.

After a long time, Tree Face slowly spoke: "50,000, no more."

Li Fan looked very regretful, and then said: "Oh, right. What I want to borrow is not contribution points, but Lingwu Grass. Can you lend it to me?" He blinked and stared at Tree Face.

The invisible wind seemed to be getting stronger.

The branches and leaves were shaking more and more.

"Yes. If you borrow something, it will not be calculated based on interest, but based on the amount borrowed." The tree face said gloomily.

"If you return it within the first year, the amount to be returned will be calculated as 130% of the amount borrowed."

"In the second year, it will be 160%."

"In the third year, it will be 200%."

"You can only borrow it for three years at most."

Li Fan was shocked when he heard this: "So dark?"

But looking at the unfriendly tree face, he immediately chose to shut up.

He started bargaining again: "If you borrow something, can you lend me more?"

The tree face ignored Li Fan.

Seeing this, Li Fan had to give up with regret.

"Then how many spiritual mist grass can I borrow now?" he asked.

"Two thousand seven hundred plants." Tree Face said in a muffled voice.

Li Fan muttered a few words, but no one knew what he was saying.

"Okay! I'll borrow it! What procedures do I need to go through?" Li Fan seemed to have made up his mind.

A green leaf slowly floated down from the top of his head and landed in front of Li Fan.

He took it in his hand, and a series of information suddenly appeared in Li Fan's mind.

It was exactly what Li Fan had just agreed with Tree Face.

"If you agree, use your spiritual power to refine this green leaf."

Li Fan nodded, and then wrapped the green leaf with spiritual power.

The green leaf was refined in an instant, and a barely visible green leaf pattern appeared on the inside of Li Fan's left arm.

"After the debt is paid off, the tree contract will disappear."

"Wait a moment, I will send you the spiritual mist grass you borrowed."

After the tree face finished speaking, he disappeared from the tree, and no one knew where he went.

Li Fan took this opportunity to raise his head and look at the big tree.

The strength of the tree face gave him a strange feeling.

Obviously much stronger than Yuanying Zhenjun, but much weaker than Huashen Xianjun.

Moreover, there is no trace of formation in this space, as if it was naturally generated.

Li Fan observed with interest.

After a while, the tree face reappeared.

It opened its mouth and spit out a storage ring.

"The Lingwu grass is all in it."

"The transaction is completed, you can go."

"Remember to repay the debt on time, otherwise..."

Before Li Fan could speak, the tree face expelled him from this space.

Under the big tree, strands of green light gathered to form a vague green figure.

"Borrowing so much Lingwu grass? Interesting."

A crisp female voice came from it.

"Could it be that the price of Lingwu grass will fall again?"

"A Liu, keep an eye on it recently."

The tree face responded in a muffled voice: "Okay, Miss."

"Miss, that guy just now was really annoying."

The green figure chuckled: "It's quite annoying."

"But which company is Mingyue Palace? Why have I never heard of it?"