When I write a bug it becomes the core gameplay.

Chapter 620 Internal Discount
Time Loan seems to be very uneconomical. After signing a Time Loan, one can immediately overdraw a certain number of years and gain the cultivation during this period, as well as spiritual stones rewarded by the Kalachakra Zen.

Its disadvantages are also obvious, because the repayment must be based on the year of borrowing, and because of the existence of interest, the repayment is much more than the borrowing. Even based on the lowest cultivation efficiency, it is not very cost-effective.

So when people hear the three words "Time Loan", they subconsciously choose to stay away from it.

However, when these two settings are combined, a way to exploit a loophole emerges.

Liang Chun borrowed a two-year time loan and chose to repay it directly, which meant immediately paying off four years of his life.

At this point, he had already been cultivating immortals for four years, so he would naturally be classified as a "ten-year disciple."

Relying on the two years of cultivation that he had overdrawn in advance, as well as the elixirs and magic weapons purchased with the spirit stones earned from the Time Loan, Liang Chun was directly promoted to the third level of Qi Refining, avoiding being eliminated due to insufficient cultivation.

If he practices at a normal time, then other players, even if they don't take too many Nine Dragon Pills and just play normally, will have much higher combat power than him by the time they reach his age.

Normally, it would be impossible for Liang Chun to be at the top of the list.

But the problem is that the Ten-Year Disciple List and the Hundred-Year Disciple List are all NPCs occupying positions, and since they are occupying positions, their values ​​are relatively low.

If the value is raised, it would be funny if players found out that they could not beat the NPC when they actually got to the list.

This gave Liang Chun an opportunity to take advantage of a loophole. When he came to the list of disciples for the past ten years, he suddenly found that the track was so wide. He just ran a little and he was among the outstanding disciples.

No wonder Liang Chun hurriedly took Chen Tingquan and Li Wenhao and ran away.

Once everyone knows about this method, the list of ten-year disciples and hundred-year disciples will be twisted into a doughnut immediately. Only by keeping silent can you make a fortune.

Chen Tingquan couldn't help but give a thumbs up: "Brother Liang, you are so awesome, my gaming experience depends on you!
"I won't say any more. This Time Loan is really a good thing. I'll go and get one too!"

Liang Chun said: "We should keep a low profile and go online at a less popular time. Otherwise, other players will definitely be suspicious when they see us with the title of 'Ten Years Excellent Disciple' or 'Ten Years Outstanding Disciple'.

“Once this routine is known to everyone, the routines of the ten-year disciples and the hundred-year disciples will also begin to roll back, and then it will be very uncomfortable.

"So, we must keep it secret."

The voice icon on Li Wenhao’s avatar lit up for a moment, but soon went dark again, as if he wanted to say something but stopped.

Liang Chun was a little confused: "What's wrong, does Wenhao have anything to say?"

Li Wenhao hesitated for a moment, then said, "That is, is there a possibility that the two of us are the anchors?"

Liang Chun was speechless for a moment.

Yup!

Two of these three people are anchors, how can they keep it a secret?

Chen Tingquan's comments were also making him laugh like crazy.

"Plotting loudly, huh?"

"You still want to be sneaky and not be discovered. What are you thinking? The whole process was clearly seen by the netizens."

"I guess someone has already posted something online. Many people should have already flocked to Kalachakra Zen."

"Tomorrow at noon, the tracks for the ten-year disciples and the hundred-year disciples will be the same. Just wait and see!"

Chen Tingquan was also helpless, but what could he do? After all, he and Li Wenhao were the anchors.

But he was open-minded and comforted her, "It's okay, this kind of thing can't be concealed for too long, it will be discovered sooner or later.

"Let's just play normally."

Li Wenhao asked a soul-searching question: "Then should we still go to Kalachakra Zen? Should we still apply for the Xiuxian loan?"

Chen Tingquan was silent for a moment: "Let's see."

……

At night, Chen Tingquan and Li Wenhao rode on flying swords and flew towards the direction of Kalachakra Zen.

The scenery on the screen changes rapidly, and the information on the large map is loaded seamlessly without you noticing.

After flying for a while, the Kalachakra Zen sect appeared in the distance of the picture.

Its shape is a bit like the Hanging Temple, but it looks more majestic than the Hanging Temple.

The entire area is surrounded by mountains, guarding a huge hill in the middle.

The surrounding mountains stretch endlessly, and there are different temples on each mountain. These temples are all built on the cliffs of the mountains, and you can vaguely see the special halo of the time wheel looming.

The main temple in the center is even more magnificent.

This mountain stands majestically, just like the northern slope of Mount Hua, with cliffs on all sides, like a sharp sword inserted into the earth.

The largest temple of the Kalachakra Zen sect is built on this mountain. It stretches all the way up from the middle of the mountain, perfectly decorating the mountain.

The golden-roofed temple on the top of the mountain is suspended in the air by an unknown secret method, emitting a strong halo of time wheel, with rosy clouds shining everywhere and thousands of auspicious colors.

Many disciples of Kalachakra Zen travel back and forth there, and naturally there are also some real players among them.

Needless to say, these players must have spent 648 RMB at the beginning to enjoy the treatment of being born as inner disciples of the Kalachakra Zen Sect. It is indeed enviable. However, as an ordinary player, you cannot fly directly to the inner part of the Kalachakra Zen Sect.

When Chen Tingquan and Li Wenhao flew to the periphery, their flying swords were pulled by an unknown force and forced to descend rapidly. They could only fly to the periphery of the Kalachakra Zen Sect at the speed of flying inside the Wilderness Realm.

Turning around, I saw many players riding flying swords coming from all directions.

Needless to say, they are all here to sign a time loan.

Chen Tingquan sighed: "The news spread much faster than we thought!"

These players gathered at the main gate of the Kalachakra Zen Sect and talked to the Kalachakra Zen disciple NPCs who received them one by one.

Chen Tingquan almost thought that he had to queue again, but after a closer look, it was okay. The Kalachakra Zen sect was quite authentic. There were NPCs who could handle business on every outer hill. There were many windows, and the processing was very fast, so even if there were many players coming, it would not take a long time.

"How come it's just like doing business at a bank counter?" Chen Tingquan complained.

I have to say that the game "Against the Heavens" is a bit weird.

The players fell step by step.

At the beginning, these players were very resistant to even the normal Xiuxian Loan. For example, Chen Tingquan hesitated for a long time to use the loan to buy a flying sword after signing the Xiuxian Loan in the beginning.

But now, everyone seems to have become accustomed to this loan model and is no longer worried about having too much debt.

Even the time loan that will overdraw future time has gone from being feared in the beginning to being sought after now.

This crappy game alienates all the players.

Looking at the players coming and going, Chen Tingquan hesitated.

"Forget it, let's not go.

"Looking at the situation, I'm afraid that in a few days, the ten-year disciples and the hundred-year disciples will also be twisted into a dough stick. By then, if they want to return to one-year disciples, they won't be able to do so.

"Unless you reincarnate, but the later you reincarnate, the more resources you lose. It's not worth it."

Li Wenhao also felt like backing out: "Yeah, that makes sense."

The tricky thing about this is that the benefits will change depending on the choices made by the players.

If all these players become ten-year disciples or hundred-year disciples, then the number of one-year disciples will decrease and become less competitive.

However, it is impossible for a ten-year disciple or a hundred-year disciple to return to being a one-year disciple.

Chen Tingquan and Li Wenhao were hesitating when they suddenly found a player riding a flying sword coming towards them.

"Hello, are you here to apply for a time loan?

"Would you mind starting a voice chat? I'll give you two a detailed introduction?"

Chen Tingquan was shocked. Are the NPCs in this game so awesome?
These words were typed by the other party. Because Chen Tingquan and Li Wenhao opened the friends' voice channel by default and did not open the free microphone, the words of passers-by would be automatically filtered out and they could not hear them.

The other party seemed to know this and that’s why he typed.

After a closer look, Chen Tingquan was even more shocked. This was actually a player!
He has the title of "Inner Disciple of Kalachakra Zen" on his head, and his character ID is "I am not a fried merchant". This is definitely not an NPC created by fake-AI.

Chen Tingquan was very surprised and asked on the microphone, "The inner disciples of the Kalachakra Zen sect are also responsible for receiving people who come to do business?"

This is quite outrageous, because the Kalachakra Zen Buddhism is one of the six major sects after all, and every one of these inner disciples is a top-notch spender like Lecturer Ding who spent 648 at the beginning. How could they possibly be receptionists?

Are you too bored to death?
The merchant hurriedly explained: "No, no, no, brother, I'm not a receptionist. I can handle business here directly, and it's more favorable than the official one."

Chen Tingquan and Li Wenhao: “???”

After Jian Shang gave a brief explanation, the two finally understood.

It turns out that this is also one of the benefits for the inner disciples of the six major sects!

These six major sects basically each have a special function, such as the Time Loan of the Kalachakra Zen Sect, the elixir of the Wuxiang Dan League, the tribulation relief of the Mingxing Pavilion, and the Taoist companionship of the Xuanji Immortal Mansion, etc.

The six major sects each occupy an area on the map, and players can go there to handle these businesses on their own.

Of course, if you go to NPC to handle it, you can only use the official guide price.

However, as inner disciples of the six major sects, these players also have the authority to handle business for other players, and can even obtain certain benefits and discounts compared to the official price based on their own practice.

For example, in the case of Time Loan, the official ratio of Kalachakra Zen is to repay double the amount, which means borrowing for 2 years and repaying for 4 years.

But inner disciples can get a slight discount when handling business, borrowing for 2 years and repaying for 3.8 years.

Don't underestimate these two months, they are very critical.

Even if inner disciples continue to improve their realm, they can further increase the discount amount.

At the same time, the inner disciples of the Kalachakra Zen sect can also obtain extremely favorable odds when they borrow time loans from the sect. After their evaluation becomes "the pride of the sect", they can even obtain low interest or even interest-free discounts.

(End of this chapter)