Chapter 275: Ten Trillion divinity points

Yang Fan followed suit, "Then I shall greet you as Sister Qin Xue."

"That's more like it."

Qin Xue nodded with satisfaction, then raised her hand to gesture.

"Sit down."

"This is some freshly brewed Dao-Enlightenment Tea."

"It is brewed using Mermaid tears as a base, combined with thousand-year-old spirit tea."

As she spoke, she personally poured a cup of tea for Yang Fan.

Her movements were natural and fluid, without the slightest air of superiority, yet devoid of any deliberate pandering.

It was more like a top-tier investor who was accustomed to controlling the entire situation.

Gentle and composed, yet impossible to ignore.

The two sat opposite each other as the fragrance of tea curled upwards.

Qin Xue picked up her teacup and took a gentle sip, then smiled and spoke:

"As far as I know, little brother, you just accepted an investment from the Gu Family not long ago."

"And you just defeated that Undead Demigod from the Alien Divine Kingdom Zone."

"Logically speaking, your funds should be quite plentiful."

Yang Fan also picked up his teacup, "In the development of a God-Kingdom, funds are never enough."

Qin Xue smiled slightly at his words.

"That is also true."

"I wonder how much capital you intend to borrow this time, little brother?"

Yang Fan tasted the Dao-Enlightenment Tea in his mouth.

As the tea went down his throat, a cool sensation rushed straight to his Divine Soul, and even his thinking became a bit more active.

He then set down his teacup and slowly uttered a sentence.

"However much you have, I want it all."

When his words fell, a brief silence descended upon the private room.

The smile remained on Qin Xue's face, but her eyes showed a subtle change.

She suddenly realized that she might have underestimated this son-in-law of the Gu Family before her.

Someone capable of saying such things would never just be purely short on money.

They must be planning something big.

However, she did not press for details.

In the finance industry, one of the most important rules is not to inquire about how a client intends to spend their money.

You only need to judge whether the other party can pay it back.

That is all.

Thinking of this, Qin Xue smiled and spoke:

"That's easy to say. In the loan business, we never ask about the client's intended use of funds."

"Little brother, you are now the son-in-law of the Gu Family's Third Elder and have been rated as a peerless prodigy by the Federation."

"Regardless of status or potential, you are a top-tier client."

"The company's Intelligent Life has already completed the risk assessment."

"Although you are currently only at the Demigod Realm, you can still enjoy a credit limit of ten trillion divinity points."

Hearing this, Yang Fan's eyes flickered slightly.

Ten trillion.

This number far exceeded his expectations.

However, he was more concerned about the interest.

"I wonder what the interest rate is?" Yang Fan asked directly.

After all, the price of the earth heart milk source nest on the Dark Web had already been forcibly raised to 1.5 billion divinity points by him.

This was a typical case of purchasing at a super-high premium.

Although he possessed the Hundredfold Evolution Talent, one earth heart milk source nest could currently only bring in 100 million divinity points in revenue per month.

The annualized rate of return was around 80%.

If the financing cost was too high, this deal might not be worthwhile.

In the end, it was because S-Rank Buildings were too scarce.

Although he now had a purchasing channel, he had to bear a high premium, which also significantly compressed the space for return on investment.

Qin Xue set down her teacup, her expression composed.

"Most of my clients are Gods and controllers of large forces, who have extremely high credit."

"The default rate is infinitely close to zero."

"Therefore, the interest rate naturally won't be too high. A 20% annualized rate is already one of the most favorable prices on the market."

Hearing this, even Yang Fan was slightly stunned.

A 20% annualized rate was shockingly cheap within the God-Kingdom financial system.

Like Elephant Borrow under President Ma, many products had monthly interest rates far exceeding this number.

Sure enough, the wealthier one is, the lower the financing cost becomes.

However, before Yang Fan could speak, Qin Xue continued to add:

"And this is an unlimited contract."

"The model is similar to the perpetual bonds issued by the Federation."

"As long as the interest is paid on time, the principal can be deferred indefinitely."

"Theoretically speaking, little brother, you could even keep borrowing indefinitely."

Hearing this, Yang Fan finally showed a trace of surprise.

Only pay interest, no need to repay the principal?

"The cost of capital is actually this low?"

Yang Fan couldn't help but speak up.

In his understanding, any casual investment in a God-Kingdom would be enough to cover this portion of interest expenses.

This kind of loan model was almost no different from giving away money.

"Sister Qin Xue, isn't your company's capital utilization rate too low?"

"Which shareholders would be willing to agree to this?"

Qin Xue couldn't help but laugh upon hearing this.

"Of course they are willing."

"Because once you reach our level, many things are not as you imagine."

She leaned back slightly, her gaze looking out the window.

"My business partners."

"Which God-Kingdom hasn't been planned by a team of high-level Actuaries?"

"The area of a God-Kingdom is limited."

"Resource buildings, development buildings, war buildings; every single area has been utilized to the extreme."

"You will understand once you achieve a Breakthrough to the God Realm."

"Truly powerful Gods are never lacking in money-making projects."

"What they lack is sufficient God-Kingdom area."

"Only those Loose Cultivator Gods without backgrounds would spend every day calculating which building has higher revenue or which investment has a faster return."

"Because they have no choice."

"But for those powerful Gods, there is no room for further expansion within their God-Kingdoms."

"If they want to obtain more revenue, they have to invest in companies, purchase life planets, and lay out industrial chains in the real world instead."

"Although a 20% annualized return is not high, it has the advantage of being stable."

"And there is absolutely no need to worry about it."

Speaking of this, she smiled and looked at Yang Fan.

"Furthermore, if I were to lend these ten trillion divinity points to an ordinary Demigod…"

"Background checks, reviews, risk control, collection, debt recovery… all the various intermediate costs combined would be enough to give one a headache."

"But a client like you, little brother…"

"To be honest, I might not even encounter one in several years."

Hearing this, Yang Fan finally understood.

The other party simply had too much money and couldn't lend it out.

After a moment of silence, Yang Fan looked at the contract in front of him and slowly spoke.

"Since that's the case, I wonder if Sister Qin Xue could lend me a bit more?"

As his words fell, the smile on Qin Xue's face faltered for the first time.

"Ten trillion divinity points… are still not enough?"

She looked at Yang Fan, and the curiosity in her eyes was becoming hard to suppress.

One must know that this figure could already be considered a large amount of capital even for the controllers of many listed companies.

A client borrowing ten trillion divinity points at once was already extremely rare.

Yet Yang Fan actually felt it wasn't enough.

At this moment, even Qin Xue was a bit curious.

What exactly was this Gu Family son-in-law planning to do?

Qin Xue was silent for a moment.

Then she slowly set down the teacup in her hand.

"Little brother Yang Fan."

"Although I think very highly of you."

"However, the company is not mine alone after all."

"These credit limits are all results given after a comprehensive assessment by the Intelligent Life."

"If we are to continue increasing the limit…"

"Then you must provide collateral."