The Sacred Land Is Going Bankrupt, I Invented a Mobile Phone!-Chapter 261

Chapter 261: A Hundred-Year Installment Plan! The Great Benevolence of the Saint Master! (Part 1)

Closing the feature introduction, the cultivators finally entered the homepage of the Immortal Cultivation Loan.

At the top, the loan amount was clearly displayed.

Seeing their loan amounts, most cultivators were surprised, even shocked.

Because the loan amounts of the Immortal Cultivation Loan were far higher than they had imagined.

Previously, they were worried that the loan amounts might be too low.

If they could only borrow a few or a few dozen low-grade spirit stones, it would be meaningless to them.

Borrowing wouldn’t help much.

But they hadn’t expected the loan amounts were not only not low but surprisingly high.

Most cultivators in the Qi Refining Realm had loan amounts ranging from a few to several dozen mid-grade spirit stones.

For those in the Foundation Establishment Realm, the loan amounts were generally above one high-grade spirit stone.

Some even reached dozens or hundreds of high-grade spirit stones.

As for the Golden Core Realm and Nascent Soul Realm, the loan amounts were incredibly high.

The loan amounts from the Immortal Cultivation Loan were truly unexpected.

For example, in the Qi Refining Realm, after working hard for a year, a cultivator might only earn one or two mid-grade spirit stones.

Yet, the loan amounts for Qi Refining Realm cultivators were at least their annual income.

Some even amounted to two to three years’ worth of income.

The average loan amount for the Foundation Establishment Realm was roughly three times the average annual income.

As for the Golden Core Realm, the loan amounts were insanely high, reaching ten times the average annual income.

For the Nascent Soul Realm, the loan amounts were generally around thirty times the average annual income.

Such high loan amounts were undoubtedly great news for cultivators.

If they ever faced any unexpected situations, they could borrow so many spirit stones at any time, which could alleviate most urgent needs.

Whether it was for breakthroughs or when they encountered rare treasures.

The Immortal Cultivation Loan would allow them to handle the situation more confidently.

This, the Heavenly Origin Sacred Land was being way too generous.

Such low interest rates.

Such high loan amounts.

It was practically charity.

However, some cultivators frowned.

Because while most of the cultivators were satisfied with their loan amounts, whether high or low, some cultivators frowned at the message saying, “You do not currently meet the criteria for a loan from the Immortal Cultivation Loan!”

Why didn’t they qualify for a loan?

In many places across Great Yan Province, many cultivators gathered together. excitedly sharing their loan amounts.

“Haha, I have a loan amount of five mid-grade spirit stones. I can borrow five mid-grade spirit stones at any time.”

“Huh, we’re both in the late stage of Qi Refining Realm, why do I have a loan amount of twenty mid-grade spirit stones?”

“Damn, why is my amount so low, only fifty low-grade spirit stones, not even as much as some early-stage Qi Refining disciples in my sect?”

“Having an amount is better than nothing. I don’t even qualify to use it.”

As the cultivators exchanged information, they were surprised to find that everyone’s loan amounts were different.

Some cultivators had low cultivation levels but high loan amounts.

While others had relatively high cultivation levels but only a small loan amount, or even no access to the loan at all.

Even within the same sect and at the same cultivation level, there could be huge differences in loan amounts.

This undoubtedly puzzled everyone.

But soon, they noticed a small tip icon in the upper right corner.

When they clicked on it, the following prompt appeared: “Loan amounts are determined based on a variety of factors including the cultivator’s identity, cultivation level, and spending habits on Immortal Net Cloud Flash Pay.

“Loan amounts are not fixed.

“Methods to increase your loan amount are as follows.

“Use the Immortal Cultivation Loan more frequently and repay on time.

“Use Immortal Net Cloud Flash Pay more frequently within the Heavenly Origin Little Spirit Communicator for transactions and transfers.

“The amount of your deposits in Immortal Net Cloud Flash Pay will also affect your loan amount.

“Golden Core Realm cultivators and above can enjoy an advanced loan increase service!

“Simply visit any Heavenly Origin Pavilion to verify your cultivation technique and authenticate your magical and dao artifacts!

“Heavenly Origin Pavilion will assess your repayment ability based on your cultivation technique and the weapons you possess, then increase your loan amount accordingly!

“This advanced loan increase service is not currently available to cultivators below the Golden Core stage.”

Reading this introduction, everyone’s eyes lit up.

Everyone’s loan amount was determined by their cultivation level, identity, and so on, verified during previous registration.

Immortal Net Cloud Flash Pay could actually use this information to assign different loan amounts to each individual.

This was truly amazing.

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For the Golden Core and Nascent Soul Realm cultivators, their eyes also brightened.

Their loan amounts were already quite high, and they could still be increased?

Just by verifying their cultivation technique and weapons, they could increase their loan amounts.

That was quite appealing.

Clearly, the Heavenly Origin Sacred Land was using this to assess the combat power of the cultivators.

After all, cultivation techniques had grades.

Weapons also had grades.

Although not absolute, in most cases, the better the cultivation technique and weapons, the stronger the combat power.

So many high-level cultivators were tempted.

After all, for most people, their cultivation techniques and weapons were not really secrets.

Telling the Heavenly Origin Sacred Land wouldn’t have any impact on them, but they would be able to get higher loan amounts.

In case they suddenly needed spirit stones, they would have another way to borrow them.

The explanation for increasing the loan amount was only brief.

However, the most important factors for assessment would naturally not be disclosed to them.