Chen Changan was taught not to spend money indiscriminately since he was a child. When he grew up, he realized that he had no money to spend at all!
Now, he once again encountered the dilemma of having no money to spend.
If you want to plant three thousand acres of vegetable land, you must first have a sufficient number of seeds. The purchase cost is at least hundreds of thousands of innars. If you buy a large number of seeds in a short period of time, the market price of seeds will be further increased. In addition, A struvite mine worth more than 100,000 innars was built, and the initial investment reached 300,000 innars!
This doesn’t even count the price of the land!
You must know that soil is also a commodity, and its market price has also increased to 5 kilograms due to the dramatic increase in vegetable prices.
Selling dirt?
Chen Changan quickly rejected this idea. Treasure Island was his base for business and construction. If he was reduced to selling land to make a living, he might as well take risks on the flying Henanese.
After much thought, Chen Changan found his liaison officer Chen Jiuqi again and typed:
[Hello, I am Chen Changan. Now I am facing a dilemma. To be precise, I have no money...]
After the liaison officer Chen Jiuqi replied "Wait a moment", he went offline to report the information to the party branch. When he went online again, he gave Chen Changan three plans.
[First, our Qinghai base area is currently in a state of reclamation and has limited seed reserves, but we can give you 100,000 seeds at the market price, and you can pay with struvite or soil. 】
[Second, loan! Shenhai Bank has both savings and loan businesses. The monthly interest rate is 10%. It is a compound interest model. The actual annualized interest rate is 313.84%. However, compared with the dozens of times of vegetable income, the loan interest rate is 300%. Not that much. 】
[Third, buy shares! We will pay 100,000 innars to help you purchase 20,000 1,000 seed packets, but we will take away 10% of the income from the vegetable field, no matter what price you sell it, no matter whether the vegetable market will be affected by too many people Participation and collapse, we all only want 10% of the vegetable plot income! 】
Chen Changan studied it carefully for a while and figured out the differences between the three options.
The first option is to guarantee the bottom line and obtain a small amount of seeds through ordinary transactions, but for 3,000 acres of vegetable land, it can only be said to be better than nothing;
The second option is to bear the risk at your own risk and bear the 313.84% loan interest rate of Deep Sea Bank. As long as the vegetables can be produced smoothly, a mere three times the loan interest rate is nothing!
The third option is risk sharing. The Qinghai base area will provide money and seeds, and they will provide struvite and land themselves. After the vegetables are produced, they will take away 10% of the vegetable profits.
10% seems like a small number, but the vegetables produced in three thousand acres of vegetable land are enough to sell for tens of millions of innars. 10% is millions of innars.
Of course, the Qinghai base area also bears corresponding risks, and 10% is a relatively reasonable number.
Chen Changan slowly pulled off a leaf, folded it and tore it into pieces again and again, thinking about the pros and cons of several options.
After a while, He finally replied:
[Can the three plans be integrated into... the same plan? I don’t want to choose, I want them all! 】
Chen Jiuqi: "..."
Chen Changan explained:
[I plan to borrow 100,000 innars from Shenzhen Bank, part of which will be used to buy seeds in the market, and the other part I hope to sell me some seeds in the Qinghai base area. I also agree with you to invest in a seed package worth 50,000 innars. , how about exchanging 5% of vegetable income in the future? 】
Chen Jiuqi's avatar turned gray, and after being offline for more than ten minutes, he replied:
【make a deal! 】
Chen Changan breathed a long sigh of relief. The first difficulty in farming was finally overcome successfully.
"However, I haven't used this new function of Deep Sea Bank yet?"
He clicked on the deep sea system. Compared with the first day of traveling, which only had [Deep Sea Forum] and [System Message], the current system has added a seventh function.
【system information】
[Deep Sea Forum (World Channel Regional Channel)]
【market place】
【Task】
【Ranking】
【Deep Sea Bank】
【Storage space】
Chen Changan tried to open Deep Sea Bank, and the system sent a prompt:
"Do you want to start manual service?"
Is there any human service?
Chen Changan's eyes flickered slightly and he said softly:
"yes!"
In an instant, a trace of light suddenly appeared in the space in front of Chen Changan.
These lights and shadows gradually condensed into a charming-looking woman, wearing a cat-eared skirt, long legs in black stockings, and a sexy figure. She winked and said:
"Welcome, distinguished guest, my name is Ah Zhi, and I am one of His Majesty's pastors, Lord Yin. What business do you need to handle?"
Chen Changan swallowed instinctively.
He is not interested in humans, but when faced with special races such as cat-eared girls, mermaids, and elf girls, he always wants to ask about the price... He has no other intention, just to simply study the economic status of different races in different worlds.
"I want a loan!"
Customer service Ah Zhou smiled and said politely:
"Due to the high mortality rate of your human race, our loan interest rate has to be increased to 10% monthly interest, and corresponding collateral needs to be provided, and one-tenth of the principal and interest needs to be repaid every month. Today, one year later, we need Is it acceptable to you to repay the entire remaining loan?”
Chen Changan frowned slightly, realizing that it might not be that simple to borrow money from Shenhai Bank, and said in a deep voice:
“Do I have to provide collateral?”
Customer service Ah Zhou seemed to have guessed that he would have such a problem, and said with a calm smile:
"Yes, you have never handled any business at our bank, nor have you deposited even a single amount of money. Therefore, your credit rating is..."
"Wait a minute, you are Chen Changan, Chen Changan with a legend level of 74?"
Chen Changan glanced at his panel information and replied:
"Yes, my legend level has indeed been raised to 74."
Customer service Ah Zhou's smile suddenly became a little sweeter, and he said respectfully:
"Ten minutes ago, Sir Silver issued an oracle. We must provide the best service to all humans on earth with high legend. Since you have 74 points of legend, you are naturally different from ordinary customers. We will Provide you with the most convenient service.”
Chen Changan was stunned for a moment, then raised the corners of his mouth slightly, and slowly opened the Legendary Ranking in the Deep Sea Ranking.
1. Raven, legendary level 104
Legendary deeds: [Forum Madman] [Killing Gods-Aladdin]
2. Chen Changan, legend level 74
Legendary deeds: [Publisher of Slave Conjecture] [Killing Evil Objects - Filthy Sea Spirit] [Black Lightning] [Publisher of Yamamoto Hao's Diary] [Source of Merlin Classics] [Owner of Evil Object Nuclear Weapons] [Heroes who disrupted the slave-catching craze] One] [No. 1 on the Deep Sea Survival List]...
3.……
4.……
5.……
6.……
Chen Changan smiled.
This wave, this wave has benefited from the god-killing benefits of Brother Raven!
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