Chronicles of the Lazy Sovereign Novel - Chapter 153

**Chapter 153: The Holgazan Sells it (3)**

Grand Master Gongling silently watched the man approach the improvised counter.

“What’s that?”

“A banking branch.”

“A bank branch?”

“He said that many people would need urgent money, so they came from Luoyang up here. I thought they were using some sort of travel technique. I couldn’t get there at that time.”

Gong Mujin, listening to Wei Yanho, made a grimace.

‘You can do it, but you don’t!’

People usually say “can’t do it” instead of “don’t do it.” Well, for Wei Yanho, he probably can’t do it.

“A bank?”

“Yes.”

Wei Yanho nodded slightly.

“Where there are people who need money, there is always someone who lends it.”

Grand Master Gongling observed the situation with a strange expression.

“Welcome, sir.”

“…Can I borrow here?”

“Welcome to the Luoyang branch of the Galactic Bank, a financial institution with a long history. The Galactic Bank has branches throughout Central Plains, and we are the best bank in the world. I am Huang Chong, in charge of this branch.”

“Hmm…”

The man had heard of the Galactic Bank. It was one of the most famous banks in Central Plains, known for its efficiency in borrowing.

Although he hesitated for a moment, there was no other option.

I had the opportunity to obtain the legacy of the Sword Emperor for only two ounces of gold. Although it was not the method I had imagined.

The man looked at those who were copying the legacy of the Sword Emperor.

In addition to the 100 people who had already copied, there were more than 30 people copying at that time.

‘No… I can’t stay behind.’

If only one person had gotten it, he could have left it, but if the secret book spreads like this, at some point, those who were on the same level could become legendary experts.

It’s hard not to do what everyone does.

“Give me!”

The man said with tight teeth.

“Yes, sir. Of course. But first, we have some documents to complete.”

“Documents?”

“What’s his name?”

“Jong Pil.”

“Oh, are you Grand Master Jong Pil, the Master of Shanxi’s Nine Electric Swords?”

The man, Jong Pil, nodded.

“I am Jong Pil.”

The expression of the employee he was writing was illuminated.

“Great Master Jong Pil. I have heard of his glorious name. Someone of his level can pay two ounces of gold at this time. Need more money? Today, our branch offers lower interest rates than usual. Take advantage of this opportunity.”

“Hmm.”

Jong Pil began to doubt.

“What is the interest rate? I hope it’s not usury.”

“What an offensive question. The Galactic Bank is officially registered in the imperial court. We are a different company from those unlicensed scammers of the dark sect.”

Huang Chong picked up and opened a book next to him.

“Here is the interest rate recommended by the imperial court this year. His Majesty has ordered that no more than 60% interest be charged on loans this year. We follow His Majesty’s orders and charge only 60%. However!”

Huang Chong continued with enthusiasm.

“As I mentioned before, in this case, especially!, especially!, we will only charge 50%. An annual interest rate of 50%.”

“50%?”

Jong Pil’s mind began to work.

An annual interest rate of 50% means that if you borrow two ounces of gold, you will have to pay one ounce of interest a year.

“Loaders! That’s an absurd interest rate!”

“Sir?”

“Are you trying to rip me off?”

Huang Chong sighed.

“Sir.”

“What?”

“We didn’t come to offer you a loan, you came to ask for one.”

“…….”

“It seems like it’s your first loan, it’s understandable that you’re surprised. But, sir, if we give you a loan at the interest rate you want, what will we live on? I assure you that you won’t find any place to lend you money at the interest rate you want. Well, there could be… there could be… but! But!”

Huang Chong pointed down.

“There is none here. And you need urgent money, right?”

“Hmm.”

Jong Pil backed down.

Huang Chong’s power was overwhelming him.

“And!”

Huang Chong approached Jong Pil and whispered.

“Look. What are these people copying? The Treasure of the Sword Emperor, right? Isn’t it an incredible opportunity to get this secret book for just two ounces of gold? If you learn these techniques, you will become a legendary expert, and what does it matter to pay three ounces of gold then?”

Jong Pil’s expression changed.

“You should think about it. Two ounces of gold and an ounce of interest could be a lot of money for you now. But will it be a lot of money after you get this secret book? Have you ever heard of an expert who has no money?

“No… I don’t think so.”

“Of course not! Why not? Because it’s very easy to earn money once you become an expert. Grandmaster Jong Pil, although already famous, will get an incomparable reputation and skills after obtaining this secret book. Money will be nothing then, you can get it whenever you want.”

“Hmm…”

Jong Pil began to doubt.

Huang Chong’s words were very persuasive.

“Will you give up this opportunity and regret it later?” ‘If I had borrowed a loan then, now I wouldn’t be worried about three ounces of gold, but thirty,’ right?”

Huang Chong, seeing Jong Pil doubted, said with concern:

“Of course, this is from the perspective of someone like me, who earns money from loans. But even if it’s not just about money… Grandmaster Jong! You have the opportunity to become a legendary expert! Will you give up this opportunity as a warrior?”

Jong Pil was in conflict.

He’s right…

Everything he says is true.

But why do I feel conned?

Huang Chong, realizing that Jong Pil was hesitant, gave the final blow. Pointing to those who were copying, said:

“Those people took advantage of the opportunity.”

Jong Pil’s eyes were directed to those who were diligently copying.

“Now, Grand Master Jong, he is as good as they are. But will he be able to match them within a year?”

“I’ll do it! I’ll ask for a loan!”

As if Huang Chong’s last words had been the final blow, Jong Pil nodded quickly.

“A wise decision. Please complete this document. Write your name, sign here, and seal with ink here. Ah, and here too.”

As soon as he said yes, the document was quickly completed.

Huang Chong carefully reviewed the document, smiled and led Jong Pil forward.

“This way, please.”

“……the money?”

“I will give it to you myself, don’t worry. Young Wei already paid.”

Wei Yanho looked at Jong Pil and nodded.

“Sit there.”

“G…thank you.”

Jong Pil sat in a corner on the ground. Seomun Dayeon approached him and handed him a document.

“What is this?”

“It is an agreement not to divulge the secret book he copied.”

“Why do I need that?”

“Oh, what does it say? We’re not selling the secret book. What if it shows it to others?”

“C… true.”

“Sign here.”

Jong Pil carefully reviewed the deal. There was nothing important. He just said he wouldn’t dare complain if he was killed for selling or sharing the secret book he had copied.

Seeing Wei Yanho’s label in the end, his desire to share the secret book disappeared. He could still see the horrific beating Wei Yanho had given, and he didn’t want to end up like this.

“Not even my family?”

“The family is fine. But not uncles or cousins.”

“Understood.”

After Jong Pil signed, Seomun Dayeon collected a copy of the secret book, a new book, and a game of ink and paper, and rose.

Huang Chong approached Wei Yanho, smiled and pulled three ounces of gold out of his money bag.

Gongling rolled his head when he saw the scene.

Was he stunned by the strange situation? Why are three ounces of gold, not two?

“Why three ounces?”

Huang Chong took a hand to his mouth as if he asked for silence. Gongling asked quietly.

“Why three ounces?”

Huang Chong smiled and responded.

“It’s simple. He paid for two ounces, and we paid for one.”

“Why do they give young Wei an ounce of gold when Jong Pil was the one who asked for the loan?”

“It’s a customer acquisition expense.”

“Customer purchasing expenses?”

When Gongling rolled his head without understanding, Huang Chong snapped his tongue.

Gongling blushed when he realized that he looked like a naive rural monk. To them, who were far from the secular world, understanding the financial calculations was difficult.

“If young Wei hadn’t asked, how could we have lent so much money to so many people? It’s an opportunity to make the biggest profits, so it’s natural to pay.”

“But then, do you win nothing?”

“Oh, monk, why is he so naive?”

Huang Chong approached Gongling and whispered to him.

“How many of them will be able to pay the three ounces of gold within a year? Once a year passes, the interest will be ours. Everyone wins!”

Grand Master Gongling put his hands together and muttered.

There’s a demon here!

A demon!