The essence of a pawnshop is usurious lending. Pen, fun, and www.biquge.info

Mortgage is pledged at a discount, and interest is paid at the time of redemption.

Of course, usurious lending makes money, but it requires not only financial resources, but also credit, and more importantly, the permission of the law.

Thankfully, there are no laws in the inn.

Credit is a problem, you can ask Xing Jiu'er for help, and everyone can earn money together, so it must not be a problem.

It's just that this financial strength is not easy to solve, Wuchang gave all the money to Liu Feng, and now he is penniless, so he can't let Xing Jiu'er out.

"What about the initial funds?" he asked.

"You can sell spells, you can sell storage space. Minghui said.

Wu Chang was speechless for a while, the spell is easy to say, it's not that he can't use it if he sells it, but he is a little reluctant to use the storage space, although the spell can be sold for some money, but the start-up capital as a pawnshop is far behind, only the storage space is the most valuable at the moment.

After thinking about it for a while, Wu Chang is ruthless, and you can buy it again after the storage space is sold, as long as you don't sell the green sword, it's easy to say.

He looked left and right, although there was no one in this ravine, it was not safe to leave Minghui here, Minghui did not have the talisman of the post station, and anyone who came could tear her apart.

"Come with me. "Fly up without a long body.

Don't be in a hurry to get a life support bag, open the pawnshop first, and then talk about it when you can make money.

Minghui has an anti-gravity device on her body and can also fly.

Wu Chang remembered the island where Xing Jiu'er flew to when he teleported to the post station, he and Minghui were one after the other, and the master and servant flew over the island.

There is no other life on the Inns planet except for the Terrans, but this island is full of life, not only flowers and trees, but also courtyards and pavilions, in which some women frolic in them.

Without a long mind, except for the courtyard and pavilion, those flowers and trees were all transformed.

In this place, even if you bring real flowers and plants, you can't grow.

Soon someone flew over to greet her, it was a tall woman, with long green hair, pointed ears, and dark red pupils, who glanced at the intelligent person Minghui suspiciously, and bowed slightly to Wuchang and said, "I don't know which son is coming?"

"Hello Princess. Wu Chang clasped his fists and saluted: "My name is Long Fei, looking for Princess Xingjiu'er." ”

The woman smiled slightly: "It turned out to be a friend of the ninth sister, she is cultivating, you wait a minute, I will call her." ”

Wu Chang hurriedly said: "Miss Jiu'er is cultivating, don't bother, I'll come back later." ”

"It doesn't matter. The woman smiled and said, "It's not a deep cultivation, there are distinguished guests coming, you can't be rude, Young Master Long wait." ”

The woman flew down, and soon Xing Jiu'er flew into the air.

Xing Jiu'er was very happy: "It's Young Master Long, I didn't expect to see you so soon." ”

"Jiu'er, I have something to discuss with you. "There is no long way.

"Nothing, but it doesn't hurt to talk about it. ”

"I want to open a pawnshop with you. ”

"Pawnshop?" Xing Jiu'er frowned slightly: "Someone has already opened it, on the continent to the east is the semicolon of the Sword Prince, and to the southwest is the semicolon of the Spirit Princess." ”

"Ahh

"This is. Xing Jiu'er looked at Ming Hui and said.

"This is my financial steward, Myeonghye. Wu Chang said: "I brought her to help me manage my finances." ”

"Hey, how did you bring her in?" Xing Jiu'er was surprised.

"She's an intelligent person, not a real person. "No long way, he can't reveal Le Xiaoxiao's secret, and neither can Xing Jiu'er.

Xing Jiu'er looked left and right around Ming Hui curiously, and then said: "It seems that Long Gongzi's hometown is very developed in science and technology, you have such means, and it is not impossible to compete with Jian Gongzi and Ling Princess, but I want to go hunting in the near future, so I can't spare much money." ”

Wu Changyi gritted his teeth: "I only need the name of Jiu'er, and some manpower, and leave the rest to me." ”

Xing Jiu'er's eyes flashed: "It seems that Long Gongzi's financial resources are not small, but no, if you want to cooperate, you have to share, so let's do it, you calculate first, how much money and manpower are needed, and the specific plan, I will discuss it with the sixth sister to see if she agrees." ”

"It turned out to be the sixth princess just now. Wu Chang said secretly, he arched his hand and said, "Okay, give me a day." ”

"I'll wait for you. Xing Jiu'er bowed her body to give a salute.

Wu Chang took Ming Hui to fly to the southwest continent first, and he wanted to investigate on the spot to see the situation and operation of the pawnshops of the Sword Spirit Family.

This continent is not only small in size, but also much smaller in number, most of the people are cultivating on the ground, and only a small number of people come and go in the air.

If you don't have money to enter the cultivation area, you can only cultivate in the post station, which is very safe, and when you come to the post station, there are very few people who want to leave.

You can also cultivate in the air, but you are a little disrespectful to the people on the ground, even if there is no law in the post station, and you are not afraid of retribution, you must always abide by the basic rules.

The pawnshop of the Ling family is resplendent from the outside, a huge hall, the house is carved beams and painted buildings, because there is no wood, the entire roof is carved out of a single boulder.

On the outside of the pawnshop hangs a large medallion with a circle resembling a boundary coin, except that a ribbon is carved around the circle.

Streamers!

Wu Chang immediately remembered the brutal woman he met on the way to the post station, claiming to be Ling Nai, using a streamer-shaped holy weapon, could it be that she was also a disciple of the Ling family?

He used his mental power to inspect it, there were many people in the backyard of the pawnshop, it seemed that they were all cultivating, presumably they were all disciples and friends of the Ling family, with these people here, there was no need to worry about the safety of the pawnshop.

After looking at the pawnshop from a distance for a while, no one entered.

The pawnshop of the Ling family is deserted.

Wuchang didn't want to wait any longer, and slowly walked into the pawnshop with Minghui.

On the opposite side of the doorway there was a counter, antique, but made of a whole piece of miscellaneous iron ore, and on the wall behind the counter there was a large clock, and the dial was engraved with strange words, but it was not difficult to tell that it was a circle of numbers.

There is no fence at the counter, and there is a young tent sitting behind the stage, and there is a beautiful woman standing.

Wu Chang took off the arm shield and put it on the counter: "How much can I do." ”

The beautiful woman's eyes lit up, she looked at it carefully, and said, "Eight hundred." ”

"It's so dark!" Wu Chang scolded in his heart.

This arm shield isolation room is obviously priced at 3,000 realm coins!

Seeing Wuchang's gloomy expression, the beautiful woman said: "Childe, the price I gave is not low, in the branch of the Jianjia family, I can only give you six hundred, Childe, you may have inquired about the price at the post station, you must know, when the price is low, the ransom is less!"

"How is the ransom calculated?" asked Wu Chang.

"The annual interest rate is forty percent, and the daily interest rate is two world coins. The beautiful woman said.

"What a high interest!"

In the Interstellar Alliance, the interest on the loan is only five points, that is, five percent, but here there is a full forty percent, that is, forty percent, eight times the interest!

At the daily rate, it is nearly half higher!

"Childe, this interest is not booked by us, even if it is not in the post station, it is also the same rate elsewhere. The beautiful woman said.

Wu Chang took the arm shield into his hand, turned around and left, and said to Ming Hui with an angry face: "Let's go." ”

The beautiful woman shook her head, looking a little dejected, glanced at Minghui, suddenly showed a look of surprise, and kept staring at the two of them walking out of the pawnshop.

Flying into the air, getting away from the pawnshop, Wu Chang asked, "What is your evaluation?"

"The interest rate is too high, 10 percent is appropriate. Minghui said expressionlessly.

"Is it just that the interest rate is high, do you guess what is the purchase price of this arm shield at the post station?"

"When the price is too low, two thousand four is more appropriate. Minghui was not shocked.

Wu Chang nodded, so it seems that the pawnshop can still be opened, and Minghui is even better at business!

He introduced the goods he saw in the market and the approximate prices, and said: "You make a price plan according to these, calculate the start-up capital, and design the operation mode of the pawnshop." ”

"Yes, master. Minghui said.

The two flew northeast.

In fact, the post station is not divided into southeast, northwest, and northwest, but several continents form a basic direction, which can be regarded as the east-west direction and the longitudinal direction is the north-south direction.

The land where the Jian family's pawnshop is located is slightly larger, and the scale of the pawnshop seems to be larger, but the business is as deserted as the Ling family.

The pawnshop's sign is also a circle, except that a sword is engraved in the circle.

There is also a large clock on the wall behind the counter, and the scale on the dial is the same as that of the Lingjia, but the text is quite different, and it is obviously not the same language.

The pawnshop's worshipper was an old man, at least looking older, and the tent was a middle-aged man.

is different from what the beautiful woman of the Ling family said, the price given by the sword family is also eight hundred, and the annual interest rate is also forty percent, and the daily interest rate is two world coins.

The two are the same.

Wu Chang muttered, if you open another one, there is such a big difference between these two families, it is a broken rule, and it will definitely be taboo by the two families, and it is difficult to say what the consequences will be.

But after thinking about it, these two are too dark, maybe the pawnshops elsewhere are also so dark, but this is the Jiehai Station, a place where masters gather, they can't be treated like ordinary people, and the pawnshop's action mode must be adapted, otherwise there is no business.

Leaving the Jian family's pawnshop, Wu Chang asked, "Minghui, do you have a plan?"

"There you go. ”

"Tell me. ”

"The price is based on the valuation of the post station, divided into dead and live, live when the loan is calculated according to 80% of the appraised value, 10% of the annual interest, rounded to the whole number, two years later turned into a dead pawn, the dead loan is the same as the appraised value, and the redemption before sale is calculated at 20 percent plus 1/1000 of the daily interest. ”

Wu Chang shook his head and said, " In addition to the scientific method, but also according to the actual situation, can not be too far from the other two, otherwise it will cause contradictions, we try to rob the business of the post station, specifically this plan, live when the loan is 50% of the valuation, the daily interest rate is one thousandth, rounded up, the interest exceeds the loan after turning into a dead when, when the death does not accept ordinary materials, the loan of holy weapons and rare materials is the same as the valuation, the redemption before the sale is based on the selling price, the selling price is flexibly formulated according to the market price, the spell is specially collected, and the valuation of the post station fluctuates between the valuation and twice the valuation。 ”

In this case, the interest rate of the live pawn is 30% per year, which is about the same as the 40% of the two families, and it is estimated that the business will not be much better, and when the loan is the same as the valuation of the post station, there will be quite a lot of people who are ready to sell to the post station to sell things to the pawnshop, anyway, the price is the same, at least there is hope of redemption.

In doing so, it is not the business of robbing the sword and spirit, but the business of robbing the post station, although it is called a pawnshop, in fact, it is more of a business of buying and selling.