#81 · 81 of 485
Chapter 81 Financial Loan
At the same time, all the students in Class 1 received the Divine Kingdom coordinates.
A Divine Kingdom without a God posed no danger to them at all; at most, their believers might suffer losses due to the harsh environment.
Quite a few people had already used the coordinates to enter with their consciousness and scout it out.
Feeling the rich life aura within that Divine Kingdom, they returned to the classroom with excitement filling every single one of their faces.
First High School was truly generous in cultivating its students, allowing them to acquire a substantial amount of resources through this over the course of four months.
"Brother Li, can you add one more person?"
"Sister Bing, let me join your team."
"Brother Tie, why don't we pull a few people together?"
…
Most of the classmates did not leave the Virtual World immediately, but instead seized this opportunity to form cliques with each other.
After all, the teacher had just said that it was best to explore together.
The deeper they went, the more abundant the resources obtained would be. Even if they needed to split them equally later, that would still be much better than exploring the outer periphery.
Soon, the entire Class 1 was divided into two factions.
One faction was headed by Luo Bing, and the other was headed by Li Tianheng.
After all, only the first place could receive the school's reward this time, so these two naturally became competitors.
Coincidentally, both the Luo Family and the Li Family had quite a few Geniuses in Class 1. At this moment, they were evenly matched.
Besides that, there were also some small groups composed of four or five people who couldn't measure up to Luo Bing and Li Tianheng's teams, and decided to huddle together for warmth to fish for more resources to develop their Divine Kingdoms.
Only Yang Fan sat blankly in the last row alone. Even though his strength was quite good, no one dared to cooperate with him.
Even as a second-tier Genius of the Luo Family, Yang Fan likewise did not receive an invitation from Luo Bing.
"Who cares!" Yang Fan complained inwardly, not wanting to stay here and lose face any longer, and immediately exited the Virtual World.
Inside the Yangcheng Villa, Yang Fan followed the coordinates, and his consciousness entered that Divine Kingdom.
"Yang Yi, do you have any good suggestions?" Yang Fan asked in his heart.
"Master, this Divine Kingdom has no obvious signs of being mined, and the amount of resources it possesses is immeasurable.
The following suggestions are now given:
1. Go find Luo Bing and proactively establish a contract to join her team. With the strength displayed by Master, there is a 50% success rate, and the efficiency is about ten times that of exploring alone.
2. Explore alone. With the current Divine Kingdom troops, 120 years of time can only grope around in the outermost periphery, yielding at most 10 billion Faith Points.
3. Purchase an exploration-type high-order Intelligent Life. Efficiency will be increased by at least ten times, and 120 years will be enough to recover the cost."
Returning his consciousness to reality, Yang Fan immediately opened the Mall and searched for an exploration-type high-order Intelligent Life.
"Exploration-type high-order Intelligent Life: Priced at 10 billion Faith Points.
A special life form nurtured by the will of the Deity, specializing in external exploration and resource acquisition, possessing a high degree of autonomous action capability and extremely strong environmental adaptability.
Its core ability lies in information analysis, allowing it to quickly establish cognitive models in unfamiliar environments, conduct systematic analyses of terrain structures, energy distribution, and civilizational forms, and formulate optimal exploration plans accordingly.
It is capable of identifying defense Systems, finding weak nodes, and achieving efficient intrusion and resource acquisition.
This life form possesses a complete knowledge base and dynamic learning capabilities.
It is recommended to grant secondary command authority, allowing it to independently dispatch believer units during external operations to execute a series of tasks such as gathering, construction, transportation, and combat, achieving the integrated operation of exploration and development.
[Evaluation]: The core Intelligent Life for external exploration and resource acquisition, combining analysis, command, and strategic expansion capabilities."
"Yang Yi, what level of Intelligent Life is it?" Yang Fan asked.
"Fourth-class Intelligent Life."
"Why is the price so much more expensive than yours?"
"The scope of abilities is different. I focus on Divine Kingdom development, similar to a relatively weak Actuary. Meanwhile, the exploration-type high-order Intelligent Life mainly focuses on collecting resources and can also command some simple combat missions.
Solely in terms of computing power, I am on par with it, but on the market, it is more in demand, hence the higher price."
Hearing this, Yang Fan fell into silence.
Ten billion Faith Points were too expensive for him right now; even if he wanted to buy it, he couldn't afford it.
"Could it be that I have to wait another two months?" Yang Fan felt somewhat hesitant in his heart.
This was the Divine Kingdom of an alien First-Order God, and losing sixty years of exploration time was too heavy a price to pay.
"Master, perhaps we can apply for a mortgage loan," Yang Yi reminded him.
"A loan?"
"That's right, Master has three strategic resources in the Divine Kingdom: the Enlightenment Stone, Spirit Peach Mountain, and Penglai Island. Quite a few loan companies would be willing to cooperate."
"What is the specific suggestion?"
"Using the Enlightenment Stone as collateral can completely satisfy this funding gap. Please grant me the mortgage permission for the Enlightenment Stone, and I will immediately negotiate with major loan companies."
"Good." Yang Fan immediately agreed.
Less than two minutes later, Yang Yi's voice appeared once more.
"We negotiated with a total of 103 loan companies, and have now screened out the two most suitable ones."
"Jingxi Finance: Mortgage the Enlightenment Stone, loan amount of 30 billion Faith Points, monthly interest rate of 20%."
"Elephant Loan: Mortgage the Enlightenment Stone, loan amount of 100 billion Faith Points, monthly interest rate of 10%."
Hearing the prompt tone, Yang Fan was completely dumbfounded.
"Over a hundred companies, and you finished negotiations so quickly?" Yang Fan expressed great shock.
"Major companies have high-order Intelligent Life handling transactional work, and our efficiency is one hundred million times that of humans," Yang Yi explained.
"Awesome."
Looking at the conditions of these two loan companies, Yang Fan furrowed his brows slightly: "Aren't these interest rates a bit too high?"
"Reporting to Master, mortgage loans are mainly short-term borrowings. This is already the most suitable one I could choose; among them, Particle Loan and Anxin Loan have monthly interest rates as high as 50%."
"Why are the quotas and interest rates given by these two companies so different?"
"Jingxi Finance's 20% monthly interest is within the normal range, while Elephant Loan gave such a high quota presumably with the intention that Master won't be able to pay it back, allowing them to confiscate the collateral.
Taking this exploration of the Divine Kingdom as the goal, 30 billion Faith Points are more than enough. It is recommended that Master choose Jingxi Finance," Yang Yi said.
Yang Fan shook his head: "No, I grant you permission to contact Elephant Loan, sign the contract, and we will directly mortgage for 100 billion."
With the Evolution Talent, Yang Fan didn't worry about this 10% monthly interest at all. Even if Elephant Loan gave 200 billion, Yang Fan would still dare to swallow it down with courage.
After spending this period of time getting along with Yang Yi, Yang Fan discovered one thing: even though the other party possessed secondary permissions and could even communicate with the outside world, it seemed to be restricted by another layer of rules, failing to perceive that the time flow rate of his Divine Kingdom was different from other people's.
Since the other party had helped him handle so many real-world matters, it should have noticed long ago.
But Yang Yi acted as if it didn't know the SSS-rank Talent existed at all.
Yang Yi was bound to his Deity Origin in the first place, so he wasn't worried about the other party betraying him; Yang Fan was just somewhat curious about this.
"As expected of an SSS-rank Talent, it can actually prevent even such a powerful Intelligent Life from perceiving the slightest trace!" Yang Fan sighed inwardly in his heart.
"Contract successfully signed, 100 billion funds have arrived in the account, interest is calculated daily, and Party B can repay the principal and interest at any time. If interest is not paid for two consecutive months, the collateral will be confiscated, settling the account completely."
"Faith Points: 101.5 billion."
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