Chapter 914: How Much Do You Need? Speak Boldly and Openly!

In the reception room of the Immortal Sect Central Bank, Jiang Ding met the bank's governor, Master Canghai Canghai Tianjun Jin Zhi.

Master Canghai Canghai Tianjun Jin Zhi is the only Level Six Licensed Financial Analyst in the Immortal Sect, having achieved multiple breakthroughs in Array Spirit Financial Yan Suan Fa, making him a master of finance, Array Spirits, and mathematics.

"Jiang Ding, we finally waited for you to arrive."

Master Canghai Canghai Tianjun Jin Zhi, dressed as a capable legal elite, looked about thirty-four with an extremely affable smile; he led Jiang Ding to a tea seat and sighed, "Do you know that since you reached Nascent Soul, I have been waiting for you to take a loan, gazing with such longing I could see through the wall."

"Otherwise, the Immortal Sect's funds simply cannot be distributed; we are not Taiyi Qingmu Xianzong, able to give money to whomever we please; everything must follow regulations and systems."

"If you do not come in a few more years, I will ask Master Canghai Canghai Tianjun Zhenjun Shenji to drag you over."

Master Canghai Canghai Tianjun Jin Zhi said seriously.

"Although our cultivators have lifespans far longer than mortals, many things on the Dao path cannot be delayed; otherwise, one step slow means every step slow, and that would not be good."

"Greetings, Senior Jin Zhi."

Jiang Ding shyly scratched the back of his head.

To be honest, he considered himself an honest person; unless absolutely necessary and having no other recourse, he was unwilling to easily take a loan from the Immortal Sect.

"No more nonsense."

"Speak; how much money do you want?"

Master Canghai Canghai Tianjun Jin Zhi looked wealthy and bold: "To tell you the truth, the Immortal Sect is not like before; we are very rich. Speak boldly; as long as you do not waste, comply with regulations, and ensure maximum efficiency, just speak with confidence."

"I have prepared for this day for a long time; there is plenty of money."

"Senior, then I will not be polite."

Jiang Ding took a deep breath: "I want to take a loan of twelve trillion low-grade spirit stones, and it must be a long-term loan, preferably around five hundred years!"

The construction cost of the Super Mothership is twenty-three trillion low-grade spirit stones; recently he also captured ten trillion low-grade spirit stones from Xu Gao Jie, so the difference is roughly this amount.

"How much did you say?"

Master Canghai Canghai Tianjun Jin Zhi was stunned, frozen in place.

"Senior, I know it is a bit much, but I truly need this much; please see..."

Jiang Ding was even more embarrassed and explained repeatedly.

"Too little."

"Ah?"

"I said too little!"

"It is too little!"

Master Canghai Canghai Tianjun Jin Zhi became somewhat angry and said dissatisfied: "Jiang Ding, I know you are always frugal, but building a natal warship and refining flying swords are matters concerning the Dao path and future potential."

"Saving money is a virtue, but can you save in this aspect?"

"You cannot!"

"You are still young and know too little!"

Master Canghai Canghai Tianjun Jin Zhi advised earnestly: "Saving money now saves money, but when you break through to Soul Transformation in the future, and when you break through to Void Refinement in the future, the difficulties encountered will be great."

"The small amount of money saved now, when breaking through to Void Refinement in the future, might cost tens of times or hundreds of times more, which cannot be made up!"

"This is not worth it!"

"Ah?"

"Senior, I am not saving."

Jiang Ding was confused: "I clearly only need twenty-three trillion to build the Super Mothership; you know, I went to Xu Gao Jie and solved part of it, which is almost enough; any more would be useless."

"What?"

"Twenty-three trillion?"

Master Canghai Canghai Tianjun Jin Zhi frowned, finding it hard to believe: "Who told you the Super Mothership only needs twenty-three trillion?"

"Ordinary Star Fortresses require five or six trillion; yours is a high-spec version. I heard from Zhenjun Shenji that the Immortal Sect will also load a large amount of top Immortal Sect technologies and a massive unmanned fleet onto it."

"In the end, it will be at least fifty trillion, and further investment might be added."

"Fifty trillion?!!"

Jiang Ding sucked in a cold breath, doubting his own hearing.

"The Ship Spirit told me..."

Jiang Ding's voice grew quieter, and he handed over a Super Mothership design blueprint.

"This will not do."

"It cannot be used."

"That Ship Spirit is too young, too weak in power, has limited experience, and knows too little."

Master Canghai Canghai Tianjun Jin Zhi swept his divine sense over the blueprint and immediately said, "In peaceful times, it would be passable, barely usable, but now it is far from enough."

"You might not know the future war situation."

"In the distant future, there is the war of eight great experts ending their lives six or seven thousand years later; if the Immortal Sect does not pass, it is death, and no amount of money left behind will be useful."

"In the near future, there is the threat of the Horned Demon Emperor Clan; this is a strange Immortal Dao civilization that appears potentially far stronger than us. In the future, we do not know what treacherous situations we will face; dozens of Soul Transformation cultivators besieging you is possible, with a high probability; this is not groundless worry."

"Considering all this, your Super Mothership is not a matter of construction cost."

"It is a question of where the Immortal Sect's technological limits lie!"

"Fifty trillion low-grade spirit stones is the minimum price; if there are suitable technological breakthroughs for you, such as breakthroughs in Jin Zhi causality research, the cost will rise further."

Master Canghai Canghai Tianjun Jin Zhi said seriously.

"... This is too exaggerated..."

Jiang Ding's brain felt dizzy; he steadied himself, barely restoring reason, and refused: "Currently, it is almost impossible for me to possess Void Refinement-level combat power; giving me so many resources is waste."

"If this money were used to build a fleet, it might allow the Immortal Sect's strength to improve even more."

The Immortal Sect is the foundation of his Dao path; he never forgot this.

"Hahaha!"

"Little friend, you are overthinking it."

Senior Jin Liu smiled faintly: "Five hundred trillion low-grade spirit stones is merely the construction cost of ten starry sky fortresses. Why think about Void Refining combat power? This is something we have never even imagined in our dreams."

"From the perspective of a domain hegemon faction, this amount of money is actually not much."

"Five hundred trillion is actually related to the current currency system of the Immortal Sects. Using low-grade spirit stones as the unit of account makes it appear larger."

"According to the financial currency reform standards for the next stage of the Immortal Sects, using mid-grade spirit stones as the unit of account, it is merely fifty billion mid-grade spirit stones."

"If using the Immortal Sects' supreme-grade spirit stones pricing method, it is merely five hundred thousand supreme-grade spirit stones."

"This amount of money is not a large sum for any Immortal Sect. To achieve Void Refining with this is impossible."

"Therefore, do not doubt the strategic vision of us old ones. The preparation given to you is certainly best for the Immortal Sects, and there is no waste."

Senior Jin Liu said solemnly.

"Then... thank you, elders."

Jiang Ding stopped refusing, stood up, and bowed deeply: "I want to take a loan of five hundred trillion low-grade spirit stones! I will use fifty percent ownership of the Great Sun Heavenly Pool as collateral."

Five hundred trillion is such a huge quantity that it must comply with the laws of the Immortal Sects and possess sufficient collateral.

"Thank for what?"

"Using the Great Sun Heavenly Pool as collateral? That works too. Originally, we were preparing to ask Yuan He and Wan Ji to guarantee it for you; they two have plenty of money."

Senior Jin Liu nodded, took out a document, wrote and drew, processed the procedures, and after a while asked: "So that is five hundred trillion, a five-hundred-year term, with the lowest annual interest rate of zero point one percent. The debt collection date is set for after your death, otherwise the loan debt will be postponed."

"Do you see? Is this arrangement acceptable?"

"Ah? I have to wait until after I die for debt collection? Is this in compliance with regulations?"

Jiang Ding was stunned.

"It definitely complies with regulations. Trust me."

Senior Jin Liu said matter-of-factly: "Moreover, it is not that it won't be repaid. As I said, the debt is postponed, but the interest is still repaid."

"You are a major client, a person with outstanding merits. Giving some preferential conditions is nothing."

"Is that so?"

Jiang Ding felt he had understood.

(End of this chapter)

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