The loan system greatly benefits me. Before the 1950s, there was nothing like it; a company was born, not merely made. It was a holdings company, not necessarily like a bank, in historical context.
One moment, I was on Earth in 2025, and the next moment, I found myself in the 1950s. The system called out to me, saying, "You have been selected. Please accept this information about the system." Basic information was made available, and importing was successful.
Knowledge flooded my mind:
**Rule One**: The base interest rate at the first level is one percent. You can loan out money from the system at this rate.
**Rule Two**: All loaned money from the system should not exceed more than 20% of the total amount loaned out. This may be flexible within a 12-month period. If assets increase beyond this limit, reasonable steps must be taken to address the situation within that time frame.
**Rule Three**: A company will be created. Your job is to loan money to the world. The money loaned out will be paid back to the system with one percent interest. For example, if you borrow $100, your payment will be, like a line of credit, one percent interest at the current rate of the system, which amounts to one dollar. You would pay this from the money that is loaned out. If you lend that money at a 3% interest rate, you profit by 2%. The system takes that one percent, and the profit can be reinvested or paid back to the system.
**Rule Four**: There is a cap on the amount of money that can be loaned from the system to the company. Initially, this cap is set at $1 million.
**Regarding System Assets**: Assets are things you own, such as a building or stocks, which have value. Renting is considered a liability because you are only borrowing a property for a designated time. While renting can be useful, it can also be a significant expense that contributes to the cost of borrowing. If you have stocks, it's advised not to engage in this at the first level, though future explanations may provide more context. The system is giving subtle hints and recommendations on this matter.
Interest is calculated annually
Part two
Please name your holding company:
**World Galaxy Financial Capital Holdings**
Such a company was born and thrust into the world. I stand on my own two feet, looking around. I have a basic set of clothes—a suit—and I am in New York, North America.
My first step is renting a place. As I walk through the busy streets of New York, which are full of people, I realize I fit in and have a basic understanding of the surroundings. However, the system issued me a task: rent a place within 24 hours to live in, and the company procedures will be handled by the system, which will be advanced.
I received my first loan from the system, which gave me a one-month grace period for my first time on my own. I decided to take out the full amount of $1 million.
I went to a real estate agent named Jim—though I can't recall his last name—since I was in a rush to find a rental. I paid $80 for a 12-month lease. Afterward, the landlord asked for a $200 moving-in fee, which I paid immediately.
Next, I was searching for a shop, and I asked Jim for assistance. I was in a hurry and needed to find something within 20 hours. Fortunately, there was a shop that just became available for rent, though the price was higher than average. Most people hesitated because it was quite expensive.
For the shop, I needed to furnish both the house and the store, as well as hire my first employee. The shop is located on the Lower East Side, with a size of 1,500 square feet. The rent is $350 a month, and I paid a $1,000 moving-in fee to secure a quick move-in.
With the system task complete, my next steps involve furnishing the house, setting up the shop, and hiring my first employee.