Lin Feng gradually fell asleep. In a daze, Lin Feng saw a scene: in a wealthy mansion, a young man, also named Lin Feng, lay lazily on a rocking chair and gave instructions to the middle-aged man. :"Zhang Qiang, is Mr. Li's medical loan going to be overdue?"

"Yes, sir"

"Go ahead and collect it, not even a penny less of the interest," the young man said.

"I'm going to collect the debt right now," Zhang Qiang responded.

"go ahead"

""Yes, sir." Zhang Qiang turned around and went out.

"Wait, does Mr. Li have equal principal and interest, or equal principal?" the young man asked.

"Master, what is equal principal and interest?" Zhang Qiang asked, rubbing his head.

"You are a prodigal, I have been with you for so many years and you don’t even know this," Lin Feng scolded

"Young Master, I'm just a guard guarding the courtyard. You asked me to collect payments, but I don't know anything about finance." Zhang Qiang said aggrievedly.

When Lin Feng heard this, he seemed to be right,"Forget it. Let me tell you, medical loans are the same as mortgage loans. There are two ways. The biggest difference between equal principal and interest and equal principal is the different repayment methods (the total monthly repayment amount is different). The equal principal and equal interest are equal principal and interest. The principal of the loan is evenly divided into the monthly repayments, plus the interest calculated based on the full installment. The monthly principal and interest are fixed; the equal principal is to divide the total amount of the loan evenly into each In the repayment month, the same principal is repaid every month plus the interest accrued on the remaining loan amount in that month.

The advantage of equal principal and interest is that the monthly repayments are the same, which makes it easier to arrange income and expenditure. It is suitable for borrowers whose economic conditions do not allow excessive investment in early repayment and whose income is relatively stable. The disadvantage is that you need to pay more interest. However, most of the amount repaid in the early stage is interest, and the proportion of the principal only increases after half of the repayment period, so early repayment is not suitable.

The advantage of equal principal payments is that the total interest is less compared to equal principal and interest payments. The repayment amount decreases every month, and it becomes easier to pay off later. And because the proportion of principal repaid in the early stage is larger and the interest proportion is smaller, it is very suitable for early repayment. The disadvantage is that the early repayment pressure is high, and it requires a certain financial foundation to be able to bear the high early repayment pressure.

Go check what method Mr. Li uses, see how much you owe, and then ask for the account!"

"Okay, sir." After Zhang Qiang said that, he turned around and went to check it out.

""Wait a minute." The young man stopped Zhang Qiang again,"I'd better go, that old guy is hard to deal with.""

The young man lying on the rocking chair is also named Lin Feng. He originally traveled from Blue Star to this new world and became the bastard of the Lin family, in charge of the business of a city. This world is a world of immortal cultivation, centered on Mount Xumi, surrounded by There are four continents, each with a kingdom.

Lin Feng was in Lingyao City of the Dongzhou Dynasty. He was not used to it at first. He had read in novels that the world of immortality was full of dangers, so he accepted a job arranged by his family. The business in the city is mainly engaged in medical loans. That is, some cultivators are seriously injured and need a large amount of high-end medicinal materials or property for treatment, so loans, collections, and other businesses are run by other members of the family.

It is not easy to get loans these days, and often Someone stopped paying and gave up the loan, which made Lin Feng very anxious. He had lost a lot of money if he continued like this. Fortunately, there were losses and profits, so the losses were basically not much.

Today is the first day that the medical loan of Wentian Zong leader Li is overdue. , he was injured at first, but he cried and asked for a loan to buy top medicinal materials to treat himself. Lin Feng had to collect the money quickly this time. Otherwise, if this year's performance is not up to standard, the family will blame him.

As time passes, According to previous plots, Lin Feng should have a system, but there has not been one for a long time. This makes Lin Feng very annoyed. Doesn’t time travel have a system? What about the sign-in system, the villain system, the garbage picking system, even if you use potato perfume to soak Princess Changle That's okay.

But there was nothing, and Lin Feng gradually lost his expectations. He went to ask for the account today, and he didn't know if he could get it. He decided that it would be safer to go by himself than Zhang Qiang. In this world, there is no Those who make a deposit will also be included in the credit blacklist, which will affect cultivation and cultivation resources. Even so, the existence of old people cannot be avoided. Sometimes Lin Feng wonders, isn't this just like the earth?

People who can't afford to pay back their sect's house Family property will also be foreclosed. These foreclosed houses are taken away by Lin Feng and the others, and the deeds are auctioned by the auction house.

Lin Feng thought to himself, it is not easy to come to the fairy world. You also have to repay the loan. It is not a big pressure. The pressure was huge.

Lin Feng was glad that he had passed through a good family. Although he was a concubine, he at least had a house and a carriage, but he was missing a girl. Although his maid Qiu Rong wanted to seduce him from time to time, he was not interested at all.

In Lin Feng's heart , at least like in time-travel novels, get a princess or something.

Just when Lin Feng was thinking wildly, he suddenly heard a voice:"Ding, you are currently mounting the medical system. Please ask the host if it accepts it. If not, the system will Disappear, please choose within 3 seconds... 3, 2...

Lin Feng quickly chose to accept. Lin Feng cursed secretly,"Damn, system, you are too short, how can others think about it?""

"Host, please be careful with your words. I am a man. I am no shorter than you. A man’s dignity is stronger than yours.", the system replied

"What are you thinking? The time you give people to choose is too short. Does the system know?" Lin Feng said angrily but not amused.

The system suddenly changed to a female voice,"Haha, ah, I'm sorry, little brother, I'm still young and don't understand."

"Grandma, are you a boy or a girl? Lin Feng cursed again.

"Ah, people are not happy if you say this to them."The system replied.

Lin Feng felt nauseated,"You're not neither a man nor a woman, are you?"

"You are a shemale, and I am a man.", the system suddenly changed the sound again

"Why are you a man again, and you are said to be inhuman? Lin Feng said angrily.

"Host, this medical system is managed by two elves, our brother and sister," the system replied

"So what’s the difference? Lin Feng asked

"It depends on whether you ask a man or a woman.", the system said

"How about women?"

"Same as men"

"How about men?"

"Same as women"

"Your grandma's are all the same, aren't you talking nonsense, system?" Lin Feng said angrily

"It's the same, there's no difference"

"Then if you say there is no difference, it’s just so much nonsense."

"Is this nonsense? This is not nonsense."The system said

"What is it if it's not nonsense? Tell me, where is it not nonsense? Lin Feng scolded

"It depends on whether you ask a man or a woman."The system replied

"What about men, what about women?", Lin Feng asked

"male..."As soon as the system answered, Lin Feng said hurriedly:"Stop, stop asking. I'm just asking you, what are the functions of this medical system?"

"Are you asking about a man or a woman?"The system asked

"Again, what’s the matter? The system is divided into men and women. The functions are different? Lin Feng said again

"Yes, it's different. Are you asking about male or female system functions?"The system asked again.

Lin Feng became impatient,"Stop talking nonsense, hurry up and tell them all, regardless of gender, tell them one by one."

"Okay." The system begins to be introduced.

(

Note:

I will add the traditional Chinese medicine auricular point treatment and diagnosis method to the novel in the future. It is a unique method that I have summarized over the past 20 or 30 years in Beijing with an experienced Chinese medicine practitioner. Ordinary people can learn it in one day.

)

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