C21 Maximizing Benefits

Despite having access to the Super Rich System for just one day, Yang Yu had already mastered its essence. The system's primary function is to spend money, yet among the various expenditures, lending stands out as an anomaly. Money lent could be counted towards missions and exchanged for rewards, but inevitably, that money would circle back to Yang Yu.

Kung Tianhua spotted this loophole too, which led him to establish the Tianhua Credit Group. It's important to note that the system awards mission coins for daily tasks, intended for everyday spending. When these mission coins are loaned out, they transform into real currency. Once the borrower repays the loan, the money remains tangible but shifts ownership from the system to Yang Yu.

In essence, by lending, Yang Yu could convert mission coins into actual currency, freeing himself from the system's constraints. With this realization, he eagerly assumed the role of a benevolent benefactor.

"Curse that Rescould Pavilion! They promised a square meter would cost 92,000 yuan, but at the opening, they jacked up the price by 4,000 yuan. Isn't that extortion?"

"I scraped together every penny to amass 8 million yuan, hoping to buy a small unit. Now, it looks like I can't even afford the tiniest apartment!"

"These developers are merciless, hiking the price by 4,000 yuan just like that. I'm so angry I could kill them!"

As Yang Yu traveled, he was bombarded with such laments. Developers often resort to last-minute price hikes when sales heat up. This sudden increase can dash the hopes of many potential buyers, forcing them to look elsewhere or to borrow heavily, hoping for better luck at the next release.

But for those who opt to borrow, failure is often the outcome. With each new release, prices could surge beyond their reach, once again exceeding their budget. For the average person, a developer's sudden price hike is nothing short of catastrophic.

Yet for the financially capable, it's an opportunity. With fewer competitors, they can more easily secure the homes they desire. Such individuals are rare, though, leaving the majority caught in a painful indecision—to buy or not to buy.

Yang Yu mingled among the crowd, noticing that many had huge exclamation marks hovering over their heads, signaling their status as potential mission targets.

Yet, the colors of these exclamations varied.

"System, can you explain why these exclamation marks are different colors?" Yang Yu inquired inwardly. He had previously seen an exclamation mark above Uncle Hua's head, but it was golden.

"The Super Rich System assists the host in identifying potential mission targets with exclamation marks during missions," the system responded. "The color code—gold, red, green, blue, and gray—indicates the value of the mission target. Gold signifies an extremely high-value target, followed by descending values for red, green, blue, and gray, with gray being the lowest. The Super Rich System advises the host to prioritize targets blue or higher to maximize benefits."

"I'm not settling for blue. I'm aiming for gold, like..." Yang Yu scanned his surroundings and spotted a target crowned with a golden exclamation mark. Approaching, he recognized a familiar face.

"Director Zhang, what type of property are you considering?" Yang Yu approached Director Zhang of the state-owned textile factory with confidence.

Under normal circumstances, Director Zhang wouldn't bother with a high schooler like Yang Yu.

But now, he regarded Yang Yu as a bringer of fortune, having saved him a hefty sum of two hundred thousand yuan with a mere sentence.

"The one hundred and ten square meter model comes to over eleven million yuan, excluding renovation costs. Even with a ninety-eight percent discount and Rescould Pavilion's various promotions, it's still around ten million," Director Zhang explained with a hint of resignation.

"I can lend you ten million yuan," Yang Yu offered bluntly.

At those words, Director Zhang's face lit up with excitement, as if he had just seen his own father. "Yu, I can't thank you enough!"

Having held a position of power for years, Director Zhang was well-versed in the ways of the elite.

He was under no illusion that Deng Yiming would offer Yang Yu any favors without expecting something in return.

Deng Yiming's willingness to offer such a steep discount undoubtedly stemmed from a mutually beneficial exchange. Yang Yu clearly possessed the clout to match Deng Yiming's influence.

With this assessment in mind, Director Zhang took Yang Yu's words as gospel.

"I'm lending you this money personally, so just write me an IOU. You can pay it back whenever you're able to. Let's not even talk about interest; it just complicates things and can strain our relationship," Yang Yu said with a sly grin.

Despite having fifty million yuan at his disposal, he was aware that the money was as good as waste paper unless it was put to use.

Its true value came from being loaned out.

"Ten million, Yu? You're serious? I actually don't need that much. Four or five million would suffice," Director Zhang admitted, somewhat sheepishly.

He was conscious that his ties with Yang Yu's family weren't close enough to justify accepting ten million outright—it felt somewhat excessive.

"Director Zhang, you're being too formal. My dad always taught me the joy of helping others. Now that I'm at the helm of Uixei Group, it's only natural for me to lend a hand!" Yang Yu offered a rather naive excuse, but given his young age, it didn't raise any red flags for Director Zhang.

"I truly appreciate it. I'll borrow the ten million from you, and I'll repay it as soon as I have the funds," Director Zhang said, promptly drafting an IOU on a blank sheet of paper.

Director Zhang was shrewd, confident in his ability to outmaneuver this high school student.

The IOU specified that the loan was effective immediately, with a repayment term of ten years, and an annual interest rate of 4%.

Director Zhang was sure he could multiply the ten million several times over within a decade.

An interest rate of just 4% was laughably low, even below bank rates, making it a significant loss for Yang Yu.

It's common knowledge that banking is the least lucrative form of investment, yet the interest rate on Director Zhang's repayment was even lower than that of a savings account.

Given the pace of economic growth, ten years from now, ten million might not even have half of its current purchasing power. By signing that promissory note, Yang Yu was effectively conceding a loss of five million.

Yang Yu didn't see it that way. He dashed to a secluded corner, grabbed a sack, and stuffed it with ten million in cash before handing it over to Director Zhang.

"Zhang Zhaoyang, this ten million is yours now!" Yang Yu said with a beaming smile as he passed the money to Director Zhang.

Director Zhang expressed his gratitude repeatedly. Despite his frail appearance, he hoisted the heavy sack, weighing over a hundred kilos, and hurried to the sales office to make the payment.

Onlookers shook their heads at the sight.

"Yang Yu is just too naive. That ten million is as good as gone!" an elder lamented, shaking his head.

Banks have intricate loan procedures precisely to avoid the risk of bad debts.

Even powerful banks find themselves at a loss when debtors default on their loans.

Securing property as collateral is one thing, but actually recouping the funds is a whole other ordeal.

If this is the struggle for banks, imagine the uphill battle for smaller creditors.

Yet here was Yang Yu, naively handing over millions based on nothing more than a promissory note. In the financial world, his actions were nothing short of childish.

Instead of sympathy, people saw an opportunity to profit from his naivety.

What they didn't realize was that taking advantage of Yang Yu wouldn't be as easy as they thought.

"A loophole has been detected in the new debt relationship. Would you like to exploit this loophole to maximize the host's benefits?" the Super Rich System inquired after Yang Yu completed the loan transaction with Director Zhang.

"The borrower, Zhang Zhaoyang, is of high value. It is recommended that the host employs the appropriate tools to maximize benefits," the Super Rich System advised once more.