"Nine out of thirteen?" It was the first time Xu Feng had heard such a fresh term.

Su Xiaoyue said with a smile: "Nine out of thirteen returns, is the basic rule of black market loans, for example, if you want to borrow 10 shadow energy points, then the envoy will only give you 9 shadow energy points, and that one shadow energy point is her service fee, and then, with a period of one month, when it expires, you have to repay her thirteen shadow energy points, this is the so-called nine out of thirteen returns." ”

Xu Feng frowned and said: "One positive and one negative, she wants to eat my 4 points of interest, this is really a loan shark." ”

Su Xiaoyue said with a smile: "Yes, however, the person who takes the initiative to borrow is yourself, and the envoy will not force it, of course, if you can't pay it back, then you can only extend it." ”

"What does rollover mean?"

"The extension period is a one-month period, but you can't get up to 13, then you are equivalent to taking the 13 to continue to borrow, the envoy will not give you any shadow energy points, but also take away your 3 shadow energy points as the extension fee, and then a week later, you have to pay her back 20 shadow energy points, if you can't pay it back, then roll it over, this kind of pit is not satisfied step by step, and it will become a bottomless pit step by step." Su Xiaoyue said with palpitations.

Xu Feng frowned, "It's so ruthless." Calculated in this way, it was originally only borrowed from the envoy 10 shadow energy points, if it has not been extended, it will become a debt of 10,000 shadow energy points to the envoy after the New Year, right? ”

Su Xiaoyue said: "No, it's 100,000 shadow energy points." ”

“…… Sub-Olympic. Xu Feng shrunk her tongue.

Su Xiaoyue said: "There was once a businessman who was doing well in business, and he wanted to expand his business, but he didn't have too many mobile shadow energy points on hand, and he was too anxious to come step by step, so he used his shop as collateral and asked the envoy to borrow money, and the result was ...... In the first period, he was short of 300 shadow energy points, so he could only be forced to extend, and as soon as he was extended, he was charged nearly 20% of the extension fee, and his capital chain was completely broken, and in less than half a year, he owed the envoy 1 million shadow energy points. ”

"And what happened in the end?" Xu Feng asked.

"What else?" Su Xiaoyue said with a smile: "All his shops have been taken away by the envoy, and he himself has been permanently expelled from the Exchange City because he can't repay his debts." ”

Xu Feng said in surprise: "Is it just confiscation of assets and expulsion?" He owes a million, and the envoy didn't kill him? ”

Su Xiaoyue said with a smile: "Brother Feng, you have to think like this, what is the cost of the envoy?" ”

Xu Feng pondered for a moment, "The cost is, the first loan?" ”

"Yes, moreover, it's still ninety percent of the loans." Su Xiaoyue said: "At that time, the merchant borrowed a total of 10,000 shadow energy points in the first phase, nominally 10,000, but the envoy only gave him 9,000, which is the cost of the envoy. In the subsequent extension, the envoy did not pay at all, but also charged an extension fee, the first extension fee was 3,000 shadow energy points, the second time it jumped to 10,000 shadow energy points, and the third time it directly 30,000 ...... The merchant repaid the five rollover fees, and from the extension fees alone, the envoy had already earned the merchant nearly 100,000 shadow energy points for nothing. ”

Su Xiaoyue sighed: "A businessman who was originally doing a prosperous business, just because he took the wrong step, he couldn't turn over again." The envoy quietly emptied all the assets of the merchant, and in order to fill the huge bottomless pit, the merchant could only borrow from his friends and partners, and in the end, most of the shadow energy points he owed were those of his friends, and when he was expelled, the loss was all that was of his friends, and the envoy not only did not lose a single shadow energy point, but instead earned four shops and hundreds of thousands of shadow energy points, you say, the envoy still needs to care about the one million shadow energy points that he didn't get? The poor merchant had been drained, not only by the merchant, but also by other friends who were related to the merchant. ”

Xu Feng took a deep breath, "The mall is really cruel. ”

Su Xiaoyue smiled: "Yes, this is the game rules of the trading city, you can not play, but once you choose to play, you have to be prepared to lose your life." ”

Xu Feng smiled: "Xiao Yue, you yourself are so afraid of touching loans, why do you still ask me to go to the envoy for a loan?" You're not afraid that I won't be postponed. ”

Su Xiaoyue said with a smile: "Brother Feng, you are different from us, this plane, although it is called the Survivor Trading Market, and we also call it the Trading City, but in fact, the envoy does not have much good impression of the merchant, which is why she set the loan rule of nine out of thirteen, what she wants to kill is the greedy heart of the merchant." And you are not a businessman, you are a hero who defeated the strong with the weak and defeated the high-level elite Gauss of the Hanguang Society, the envoy is naturally impressed by you, we businessmen borrow money, basically to earn more profits, and you borrow money to make equipment and improve your strength, which is a very legitimate behavior in the eyes of the envoy, so I think that if you go to borrow, she should not use the rules of nine out of thirteen returns and extensions, but will lend to you like a friend, and finally only charge a little interest. ”

Xu Feng's heart moved slightly, "Well, I remember this matter, if I really need it then, I will go to the envoy."

”

…… As a last resort, Xu Feng didn't want to take the path of the envoy, but this was a good way to quickly get him to the sword.

After all, the life of being fostered is the happiest life.

It's just that this kind of happiness is given by others, and others can give it to you, and naturally it can also be taken away.

Therefore, if you are smart, you should still struggle and work your own, and you will not be controlled by talents.

Su Xiaoyue said again: "By the way, Brother Feng, there is another way for you to earn shadow energy points. ”

Xu Feng frowned and said, "If you say the way to be fostered, forget it." ”

Su Xiaoyue said: "Of course not-Brother Feng, you should only have one professional skill now, right?" ”

"Yes." Xu Feng said: "I am currently a junior farmer. ”

Su Xiaoyue smiled: "Then you can learn the second vocational skill." ”

Xu Feng said: "Learn as a junior miner? Does that mean you have to spend 10 Shadow Points to buy a beginner skill book? ”

Su Xiaoyue said with a smile: "The profession of miner is indeed good, but it conflicts with your farmer skills, your spiritual vision can only track one kind of shadow energy thing at the same time, if you choose to track shadow energy plants, then you can only track shadow energy plants in that plot world, on the contrary, if you choose to track shadow energy minerals, then you can only track shadow energy minerals in that plot world." ”

Xu Feng frowned and said, "It's so pitiful? ”

Fortunately, I didn't buy the vocational skills of a junior miner, otherwise I would have lost 10 shadow energy points.

Su Xiaoyue said with a smile: "The system is set up like this, it should be in case someone doesn't do plot tasks, and only relies on shadow energy ores and shadow energy plants to make a fortune." ”

Xu Feng asked, "Then what is the profession you are talking about making money?" ”