My Talent Panel Can Add Points

”If it’s possible, it means there’s potential to reach the Loan Realm, and loans can be attempted.”

”I see.”

Ye Mingqiu nodded slightly.

The truth is indeed this situation. Tier Two experts need an enormous amount of Soul Fragments to enhance Skill Levels. The more powerful the Spiritualist, the more Soul Fragments are needed. Accumulating them bit by bit would take a lot of time.

But if one can take a loan, directly getting enough resources, then they can have quite good fighting power in the early Tier Two stage, thus accelerating the advancement speed and improving resource acquisition efficiency.

As long as the enhancement is significant enough, then the loan is entirely worth it.

However, at the same time, borrowing also carries significant risks. If a Spiritualist dies during Spirit Realm exploration, the resources loaned would be wasted.

Coincidentally, being a Spiritualist is inherently a high-risk profession. The death rate of Legendary Level Spiritualists is not low; sometimes it might even be higher than Hero Level.

But this is not due to their strength

but due to their mindset.

Many Legendary Level Spiritualists seek more than just simple Spirit Realm exploration. They also wish to acquire more world resources and master more rare equipment during exploration... Yet obtaining these things is inherently more challenging than normal exploration.

Strength greater than Hero Level gives Legendary Level Spiritualists the confidence to try risky adventures, but it also increases their death rates.

”Is there an even stronger realm?”

Ye Mingqiu asked curiously.

”Yes, brother, yes indeed.”

Qing Yu smiled and began, ”Above the Loan Realm experts, there are those of the No-Interest Loan Realm.”

”Oh?”

”No-Interest Loan experts have a key advantage in their stronger capabilities and survival abilities, with a lower occurrence of dangers during exploration in the Spirit Realm.”

”Therefore, the academy offers them no-interest loan conditions to reduce their repayment pressure, allowing them to focus more on improving their strength. As long as they repay on time, they can steadily progress.”

”I see.”

Ye Mingqiu nodded slightly, the No-Interest Loan Realm indeed represents talent and strength, unafraid of accidents.

”And above the No-Interest Loan Realm, there’s an even more powerful realm, which exists only in theory.” Qing Yu’s voice grew more solemn and serious.

”What realm is that?”

”The No-Loan Realm.”

”Oh?”

”This No-Loan Realm isn’t what regular people perceive as having no loans, but rather achieving no loans by repaying loans successfully before graduation, thereby becoming a No-Loan expert.” Qing Yu stated earnestly.

”Is repayment difficult?”

”Yes, it’s certainly difficult. When a Spiritualist’s potential and talent are strong enough, and they have a chance to cash in on this opportunity with a no-interest loan, most Spiritualists would take out substantial loans to grow rapidly into terrifying levels in a short time.”

”However, the more they borrow, the harder it becomes to repay. The stronger a Spiritualist’s talents, the more likely they are to borrow heavily, making it even tougher to repay before graduation.”

”Remember, it’s a no-interest loan!”

”Faced with a no-interest loan, ordinary people would naturally borrow as much as possible, since there’s no interest, but the greater the amount borrowed, the harder it becomes to repay, ultimately making it difficult to reach the No-Loan Realm. Do you understand now?”

”Got it.”

Ye Mingqiu nodded slightly, thoroughly grasping the situation.

Indeed, this loan is useful. If possible, he’d like to borrow more; however, if he borrows too much, it would be challenging to repay the external debt.

”Are you planning to take out a loan?”

Qing Yu asked.

”If it’s no-interest, then I definitely want to borrow more, considering it can improve strength and accelerate advancement. Why not?”

”But...”

Ye Mingqiu paused before continuing: ”If it’s an interest-bearing loan, then I need to see how much the interest is and whether it’s reasonable. After all, my current strength is already significant, and my resource acquisition speed isn’t slow.”

”My need for resources isn’t urgent. If the interest is too high, it would obviously result in negative returns for me, so I won’t blindly borrow. It’s mainly about analyzing specific situations.”

Most importantly, now many people are challenging him within the Soul Realm Contract. As long as someone challenges him, he can collect Soul Power, and the Soul Realm Contract will automatically convert it into Soul Fragments for settlement.

Although it’s unclear how much he can ultimately gather, being challenged so often, and with so many high-tier experts singling him out, his eventual earnings can’t possibly be low. With the Soul Realm Contract as a baseline, Ye Mingqiu’s desire for loans isn’t very strong.

The Soul Realm Contract is indeed quite good.

Ye Mingqiu’s lips curled slightly upward.

He could share this information with Tang Ruobing, who also needs resources, but because of the previous slight hostility from her, he certainly wouldn’t tell her for free; at least she’d have to pay a bit of ”price” for it.

Previously, during the opening of a treasure chest, he found a pile of useless cosplay costumes, which now finally can be put to use, a kind of waste recycling.

Hmm, very nice!