Chapter 563 Pricing and Making Loans
The next morning, Locke gave the completed Hydra seeds to Gregor and Williams to speed up the backcrossing and handed them to Scarlet Witch in the early morning.
Scarlett Witch looked at Locke unexpectedly, and the five-headed snake magic plant in the [fake plant pot] in Locke's hand. "I didn't expect that you actually completed a subspecies of the Hydra magic plant in such a short period of time." Witch Scarlett flipped through Locke's breeding diary that she had obtained from the plantation staff. She directly ignored the records of various potion science resources that Locke had requested from the plantation within two weeks.
Anyway, this is Alsace's money, not her as a worker's money. What's more, Locke also used the money to make the five-headed snake demon plant. Even if the board of directors of Alsace knew about this, they couldn't find anything wrong.
For Alsace, the researchers at the Wizarding University can use funds to effectively develop some magic plants, which is already very cost-effective.
After all, shop alliances are often "trapped" by the wizard instructors in major wizard colleges. Before development, they boast a lot of hype. As a result, all the results are done by students, and naturally nothing good can be developed.
Scarlett Witch, as Locke's trader, is more concerned about the effect of the five-headed snake. "The burden of the five-headed snake on individual wizards has been reduced by a full two-thirds. This is really great. This can definitely increase the sales of our Hydra series of magic plants."
Scarlet Witch was quite pleasantly surprised. She glanced at Locke and said: "It's really a pleasure to work with you. Augustine Breeder, I just mentioned to you the minor flaws of the Hydra Demonic Plant on the market. Who knew you were so serious that you actually bred a new subspecies."
Locke nodded slightly. "It's good to be of help to you. I really need money recently."
I am going to go to the Goblin Family Bank for a loan today to see if I can directly collect the four-element ring and plant the Ancient Tree of Life in the Druid's Ring.
That will greatly improve your forest sanctuary.
I am so short of money that I need money in all aspects, and I am eager to find new ways to quickly increase money.
· Locke said: "I originally wanted to cultivate a three-headed snake. But I didn't expect that there was not enough time and resources, so I could only develop a five-headed snake. Moreover, the power of the five-headed snake has indeed been weakened." "I see it. But these are just some minor problems. The emerging advantages are far greater than this small disadvantage."
"And it's a good thing to have shortcomings. There's been a movement in the store alliance recently..." Scarlett Witch suddenly stopped the topic when she thought of something, and then changed the subject to Locke: "In short, with the five-headed snake magic plant, I will indeed have more choices for subsequent operations."
"There are currently one hundred and seven official wizards who cooperate with the Alsace Shop Alliance that I have taken over. To be honest, Locke, you may not be the most powerful breeder among them, but you are the one who makes me feel very comfortable working together."
h Scarlett Witch smiled and said: "Many breeders just want to push their products to us, and then ignore it completely, and then count on us market analysts to arrange everything for them. Unlike you, you directly bred a new subspecies. As for the three-headed snake magic plant you mentioned, that is indeed very exciting."
"If you can simplify the Hydra to a three-headed snake, you can indeed have greater sales. Take a look at the sales of Hydra on September 1 this time. If the sales are good, I can actively apply for you to be sponsored by Alsace's company for project investment."
"So that you can cultivate the three-headed snake magic plant with peace of mind. Instead of like now..."
Scarlet Witch said to Locke: "Then, I will collect these seeds first. With the breeding information you gave us, coupled with Alsace's own mature plantation system, these hydra and five-headed snakes will be cultivated soon."
Locke has always been very curious about the plantation industry chain in Alsace.
From my own observations of Alsace, it seems that its native plantations in Yunze Wetland are only used for special advanced breeding bases and are basically not used for mass production.
Furthermore, Alsace seems to be very confident in its plantation system, and the cost of the entire plantation system is very low.
Locke couldn't help but ask: "Are the plantations used for mass production in Alsace not here?"
Scarlett Witch nodded and said: "Well, that is indeed the case. As a trader, I am not very clear about the specifics. But the plantations of the Alsace Shop Alliance mainly come from two places. The first is the lower wizard land, and the second is the colonial plane."
Locke nodded. Sure enough, the core of the low-cost plantation production of the Alsace Shop Alliance comes from the harvest of leeks in the colonial plane and lower-level wizarding lands.
Using the low labor cost advantages of colonial planes and lower-level wizarding lands for the production of the Alsace Shop Alliance.
But as a first-level wizard, there is no need to figure these things out, so Locke did not continue to ask.
Scarlett Witch took the magic quill pen, scrawled and corrected the documents, then handed it to Locke and said: "This is the price I gave you for the Hydra Demon Plant and the Five-Headed Snake Demon Plant. How about you take a look at it?"
Locke took the information and looked down.
Scarlett Witch said: "Based on the current market price fluctuations and the prices of similar magic plant products, I set the unit price of the Hydra Magic Plant at 200,000 magic stones per plant!" The sales volume has reached an intermediate value. "
"The cost of cultivating a Hydra plant is about 10,000 magic stones."
Locke's brows jumped, because the cost of cultivating a real Hydra plant is about 60,000 magic stones.
The Alsatian Shop Alliance needs to go through so many production chain links, and the result is that the cost is only one-sixth of its own.
It can be seen how ruthlessly the Alsace Shop Alliance harvested the leeks of those colonial planes.
Witch Scarlett said: "Among the costs, in addition to the breeding cost, there are also logistics costs, operating costs, and preferential activity costs. The total cost of all costs is about 50,000 magic stones. The largest cost comes from the operating costs of Alsace."
· "Therefore, for every Hydra sold, Augustine Breeder can earn about 75,000 magic stones."
Locke nodded slightly, and he could accept this price.
Scarlet Witch said: "Let's price the five-headed snake magic plant at 100,000 magic stones. The cost of planting the five-headed snake magic plant is lower, but because the majority of the cost is the operating cost, the overall cost will not be reduced too much, but each plant should also allow the Augustine breeder to earn 25,000 magic stones."
“But I think the Five-Headed Snake will be able to sell more units, so in the end it will make more money than the Hydra.”
Locke nodded. Scarlett Witch is undoubtedly professional in pricing.
The general price of a first-level magic plant is about 10,000, but a more powerful first-level defensive magic plant, especially if it is useful for wizards in the crystallization stage, should cost between 50,000 and 100,000.
In other words, Scarlett Witch's price for her five-headed snake has reached the upper limit of the unit price of a defensive magic plant, and the price for the hydra is not the price of an ordinary magic plant.
Of course, part of the reason is because both types of magic plants are tactical-level magic plants.
Of course, this means it will be harder to sell.
Witch Scarlett said to Locke: "In addition, I have a suggestion. I think... we can do an event. For example, on September 1st, the wizard organization that purchases the Hydra magic plant can give away a five-headed snake for free." Of course, only the first fifteen wizard organizations can enjoy this discount. What do you think? Although this will further increase our costs, it will increase Hydra's sales and may bring some unexpected gains."
Locke nodded slightly. "Of course."
Witch Scarlett said: "That's it for now. I'll leave first."
She raised the seeds Locke gave her. "I want to deliver these seeds to the mass-production plantations of the Shop Alliance as soon as possible."
"On September 1st, I hope our products will sell well in the Jinmian Mountain area."
Alsace has a system to protect the commodity ecology of the store alliance, so Yunze Wetland is divided into ten regions. The seven top colleges in Yunze Wetland are divided into seven regions, and the remaining regions are divided into three regions.
Other shop alliances are generally divided according to this method.
In this way, we can not only protect the ecology of the product, safeguard the interests of the store, but also ensure the interests of the breeders who cooperate with Alsace.
Locke and Scarlett Witch said a few more words, and then said goodbye to her.
He gave Gregor and Williams a few instructions to pack up the things in the plantation and take away all the useful things, so he left the plantation early and went to the Dragon Blood Gathering.
These strange creatures are said to have originated from the Fairy Wilderness. The fairies looked at Locke who walked into their shop with alert and shrewd eyes.
Locke looked at a one-ring crystallized fairy trader and said, "I want to make a loan."
A shrewd light suddenly flashed in the eyes of this goblin trader, and a sincere smile appeared on his face. There is a saying - the goblin family bank welcomes all customers who come to their bank for loans and regards them as their own gods of wealth.
This goblin trader immediately made an action. "Wizard Augustine, please."
They entered a VIP room filled with exquisite mahogany furniture. The goblin trader Fisher poured Locke a cup of eagle-tooth black tea with the dry and slender fingers unique to the goblin.
Only poured a cup. Instead of pouring himself tea, he drank a cup of water.
Elf wizards have their own stinginess and frugality, but they are courteous and generous to every guest.
At least for them, it is considered generous.
Fisher, the elf trader, looked at Locke with a warm smile on his face. "Wizard Locke, a researcher of Zhenzhiyuan like you is a distinguished guest of our Fairy Bank."
Locke nodded, probably because he has a name and a surname, and he can run away from a monk but not a temple.
For the Goblin Family Bank, I have a stable flow every month here, as well as a stable job and a stable residence. It is really a rare source of high-quality customers.
Fisher, the elf trader, said: "How much do you want to borrow?"
Locke said: "It depends on the interest rate of your bank."
Elf trader Fisher immediately carefully took out a [Crystal Apple] from the mahogany drawer. Then he did not eat it himself, but swallowed and looked at Locke.
Locke picked it up casually and took a bite. He looked up and saw Fisher staring at him and swallowing his saliva.
To be honest, the goblin wizards have already reached a certain level of stinginess, but the problem is that their stinginess is different from others. They are stingy with themselves, but very generous to their guests.
They will try their best to ensure the customer experience, and for themselves, they will try their best to save costs. If they can spend less, they will spend less.
Fisher, the goblin trader, said: "The Goblin Bank must have the lowest annual interest rate among all banks. We are a family bank with locations all over the country. Our ancestors are in... the Star Sea. He is very old. He enjoys status and majesty in the Star Sea. He led us to leave the Goblin Wilderness Plane, immigrate into the Wizarding World, and become a wizard in the Great World of Truth."
"Today, we have forgotten the past language and culture of our race. Many elves still think that we are the native race of the wizarding world."
"This may be a good thing. This means that we have fully integrated into this place."
Locke nodded slightly.
According to the White Wizard Association's Pan-Magical Race Wizard Law, any race that can learn magic and voluntarily join the wizarding world can be regarded as a native race of the wizarding world.
This point is even said to be recognized by the world will of the wizarding world.
Law is the magical crystallization of the Holy School. The Holy Masters in the Holy School either have the ultimate goal of creating the most perfect religion in the world, or the ultimate goal is to create a law that can be recognized by the will of the world.
Use man-made laws to replace the established physical laws of the world.
The wizarding method of the pan-magical race is one of the masterpieces of the holy masters.
According to this wizarding law, all races that learn magic can voluntarily become "human".
But Locke was not led astray by Fisher. When a goblin wizard leads you to talk here and there, you must remember the original purpose of your conversation with him, otherwise you will easily fall into the other person's rhythm.
Locke asked again: "Well, I know that the Goblin Family Bank has a long history and has a lot of credit to rely on."
"It is more reliable than those small banks, so I came to your bank to inquire about the loan, so what is the annual interest rate?"
Goblin trader Fisher quickly checked Locke's transaction records at the Goblin Family Bank, and suddenly smiled. "Okay, okay, impatient guest."
"For high-quality customers like you, as long as the loan is less than 500,000 magic stones, the annual interest rate is only 5%. That is, for every 500,000 magic stones, the annual interest is 25,000 magic stones."
Fisher said: "However, the minimum loan requires half a million magic stones, and it must be repaid at least one year later. It cannot be repaid in advance."
Fisher said: "And you need to provide proof of assets. However, I have seen your monthly turnover in our bank, so this is not necessary."
Fisher said: "This is absolutely Yes, the interest rate is very reasonable. Because the White Wizard Association has strict restrictions on the five major banks including our Fairy Family Bank, the annual interest rate for our loans is 5%-30%. The interest rate is based on your credit limit, the amount of the loan, and the loan term. "
"The more money you borrow and the longer the loan term, the higher the interest rate."
"For example, the maximum loan amount for a ring wizard is two million magic stones, and the annual interest rate will be 30%. However, generally speaking, a loan with such a high amount requires collateral. Once the payment is suspended for one month, our bank will immediately confiscate his collateral."
"Before the loan is paid off, we will We will not provide a second loan to a wizard." Fisher looked mysterious and said: "Of course, these are loans within the legal scope. Small banks and private loans will have fewer restrictions and higher interest rates, but they can break some laws... and some loans do not depend on your credit and flow."
Locke nodded slightly. He did some homework before coming.
The reason why many first-level wizards become debt slaves is that they only took out small loans at the beginning. At that time, due to the restrictions of the White Wizards Association, the interest rates were relatively reasonable within the scope of small loans.
Then, these wizards will start to make large loans, and the interest rates for large loans will become very high, reaching 30%.
But soon, due to a shortage of funds, they will have to stay away from the formal five major banks and start to contact small private institutions. As a result, the loan amount and interest rate will become higher and higher. Because they cannot afford to repay, they can only use loans to support the loans, and eventually become debt slaves.
But as long as the loan is within a certain limit, it is essentially beneficial.
You can increase consumption and solve your immediate needs. After all, everyone will be temporarily short of money and need funds for operations.
Sometimes just a small amount of money is needed to make things work, and the economic crisis can be overcome. But if things cannot work, the industry has to use it to pay off debts.
Hence, the loan services of the five major banks are very beneficial to the wizarding world to a certain extent.
You can ask someone to give you some money when you need it.
But people's greed is always insufficient, and eventually this greed will kill themselves.
Some wizards regard the money they can borrow as part of their own money, but this is a dangerous perception.
Because the essence of a loan is to misappropriate the money you will earn in the future in advance, every penny you get from the loan will not be in vain.
Locke thought for a while and decided to take out a loan of 500,000 magic stones at an interest rate of 25,000 magic stones. But in this way, he could collect the money to purchase the Ring of the Four Elements and plant the seeds of the Ancient Tree of Life in his forest sanctuary.
Once you plant the ancient tree of life, your forest sanctuary will be strengthened to a level that even its creator, Wizard Levis, could not have expected.
Furthermore, with the four-element ring, you can do more things. You can start experimenting and conceiving the prototype of your own great magic in your Druid Ring in advance.
I am already a wizard in the first-ring crystallization stage. I can indeed start to look up the information and start to accumulate it. It is better than accumulating it at the last moment.
The interest rate is only 25,000 magic stones, which is really not high to be honest.
Almost like giving it for free.
Whether it was out of necessity or because he wanted to understand the Goblin Bank loan process and become more familiar with the way wizards do things in Yunze Wetland, Locke felt it was necessary to make a loan.
Locke nodded and said: "Okay, then I will lend you half a million magic stones."
The smile on the face of the elf trader Fisher suddenly became brighter. "Dear guest. This is the contract."
"I'll get fifty magic crystal cards for you."
"By the way, do you want to buy another insurance? We have all kinds of insurances here..."
Locke was speechless and said: "This will not be used for the time being."
(End of this chapter)