Man is devouring, Time Lord

In the short time it took to exchange a few words, the Flowing Light Elevator slowly came to a stop, and Luo Tianyi and Yueyao Wang had arrived at the 666th floor of the building.

Despite being on a higher floor and having fewer people here, the 666th floor felt much more spacious and expansive than the 25th floor.

"This 666th floor is a highly exclusive area of ​​the entire lending building. Many powerful figures who have reached the King level are not qualified to step into this office service area," King Yueyao said with a smile.

"Now, you can directly access this exclusive Cosmic Galaxy Bank headquarters system through your smart device."

"After you fill in the information, it will assess your qualifications."

Why can only small loans be made throughout the human territory, while only the headquarters can borrow huge sums of money?

Why are headquarters buildings strictly divided into floor levels?

The fundamental reason is that the permissions granted to each level by the Cosmic Galaxy Bank system are vastly different.

The higher the floor, the greater the system privileges and the higher the maximum loan amount that can be opened.

Loan applications submitted at different levels will be automatically routed and sent to the appropriate reviewers.

Such a 666-level approval process can even reach the eyes of those in positions of authority.

Upon hearing this, Luo Tianyi's smart computer on his arm instantly connected to the golden smart screen in mid-air.

Luo Tianyi's gaze fell on the floating golden light screen, and with a light tap of his fingertip, he retrieved his complete assessment report.

The next second, a line of numbers came into view.

Maximum total lending limit: 500 million Mixed Yuan Units.

Luo Tianyi felt a slight stirring in his heart, somewhat surprised.

This amount was actually much higher than what King Yueyao had previously estimated.

King Yueyao immediately noticed the surprise in Luo Tianyi's expression and asked softly, "What's wrong? The system's limit is higher than I just estimated?"

Luo Tianyi nodded, making no attempt to hide anything.

"You don't need to be too happy. The limit is the limit, and the final approval may not be able to reach that number," King Yueyao said with a faint smile, offering a timely reminder.

"When banks lend money, the intended use of the funds is crucial, as it directly affects the approval outcome and can even influence the interest rate."

"For example, if you want to use the money for fighting on foreign battlefields, purchasing life-saving treasures, or exploring a secret realm, the risk level of different realms varies, and the leniency of the approval process also differs."

"Doing business or investing resources within human territory carries lower risks, approvals are smoother, and interest rates are slightly lower."

Do not think that you can fill in the purpose of the application arbitrarily and get away with it.

Should we use a virtual universe?

If you use it, you can't just fill in anything randomly.

"Haha, don't worry, King Yueyao, I don't need that much, just 2 million will suffice." Luo Tianyi laughed heartily upon hearing this.

Since he could borrow so much, Luo Tianyi didn't hold back. He used 1 million to buy treasures and exchange them for Chaos Points, and used 1 million to buy a detector.

A detector worth 1 million points—I bet many top-tier players wouldn't be willing to buy it!

"Then there are no problems at all." King Yueyao smiled.

"With a quota of 2 million, combined with your qualifications and capabilities, the approval process will be smooth sailing and will be completed in no time."

Luo Tian nodded and quickly filled in the relevant information such as loan amount, purpose, and repayment period.

Before submitting, Luo Tianyi's gaze also fell on the interest terms that were generated immediately on the screen. He raised his eyebrows slightly and secretly marveled.

To be honest, this interest rate is really a bit expensive.

For a loan term of one year, an interest rate of 0.25% must be paid.

In other words, if you borrow 2 million Hunyuan units, you will have to pay 50 Hunyuan in interest in just one Ji period.

In the 20th century, the interest alone would be enough for an ordinary nobleman to work his entire life to accumulate enough for an immortal title.

If this were to be repaid for 400 centuries, it would cost at least 200 million.

"Tsk, borrowing 2 million and paying back 2 million, nothing beats finance, it really is a highly profitable industry!" Luo Tianyi muttered to himself, but his expression remained calm.

King Yueyao, unaware of Luo Tianyi's thoughts, smiled and said, "The application has been submitted. The approval result will be available in less than half an hour. You can wait here for a while."

As the two were talking, a figure walked in lightly; it was a peak Realm Lord attendant.

He held an antique jade plate in his hands, on which were placed two crystal jade cups filled with pale golden fruit wine, the aroma of which was refreshing and lingering in the air.

"Sir, your fruit wine." The waiter bowed and gently placed the jade plate on the table beside him.

King Yueyao raised his hand and picked up a cup of fruit wine, gesturing to Luo Tianyi: "Try it, this Star Marrow Fruit Wine is quite good. Take a sip while we wait."

Luo Tian nodded, picked up another cup, and took a small sip.

The two sat and chatted quietly, and the atmosphere was quite harmonious.

Before long, half an hour had passed.

Luo Tianyi's consciousness, connected to the virtual universe, suddenly received a pop-up email. The sender was none other than the headquarters of the Cosmic Galaxy Bank.

"Dear customer, your application for a 200... Hunyuan unit loan has been approved by headquarters."

"Your account linked to our bank has just received a remittance of 200... Hunyuan Units! Your account balance has reached 200... Hunyuan Units, meeting the requirements for a five-star account upgrade. Your account has been automatically upgraded to a 'five-star account'."

"You can enjoy the following..."

Luo Tianyi smiled as he read the email.

After inheriting the original owner's identity, he was initially a three-star customer at the Cosmic Galaxy Bank.

Since he always converted treasures into Chaos Points and never transferred or deposited them in a bank, he has maintained his status as a three-star customer.

Unexpectedly, this loan directly upgraded me to a five-star customer, which was a pleasant surprise.

Seeing Luo Tianyi's relaxed expression, King Yueyao knew the approval had been granted and said with a smile, "Since the approval has been granted, let's have a final drink to celebrate your journey ahead!"

"drink!"

Luo Tian raised his cup and drank it down with Yue Yao Wang in one gulp.

After finishing his drink, Luo Tianyi stood up and thanked her, saying, "Thank you for your guidance today, King Yueyao. I shall take my leave now."

King Yueyao nodded slightly, his smile gentle: "It's alright. If you need to borrow money again in the future, you can contact me directly through the virtual universe."

Luo Tian nodded in agreement, turned around and left the private hall on the 666th floor. He walked quickly along the way he came and soon found Cuiying Hou in the waiting area of ​​the building.

"Luo, did the approval go smoothly?" When Cuiying Hou saw him coming, he quickly got up to greet him, his eyes filled with concern.

"Yes, everything went smoothly." Luo Tianyi nodded with a smile.

"My business is done, and now I must set off to return to the 066th Barracks Base of the Eighth Extraterrestrial Battlefield."

"Are you going to stay, or...?"

"I also plan to continue my adventures," Cuiying Hou replied.

The two walked out of the loan building together. Luo Tianyi had already made up his mind: the most important thing next was to convert the two hundred million Chaos Units into points, and then use 1 million points to purchase some treasures that could restore the divine body from the treasure vault of the Giant Axe Arena.

This kind of divine body restoration treasure is a necessity for all cultivators.

Anyone with a divine body needs it and can use it.

Purchasing such treasures will never arouse any suspicion, even if someone notices it, perfectly avoiding all potential dangers.

Having made up their minds, the two arrived at the spatial passage gathering group and soon landed on the Eighth Domain Outer Battlefield amidst flashes of light and shadow.