Bleach: Studying medicine cannot save Soul Society

Chapter 245 A medical loan that can be called charity

However, just when Ayasegawa Yumichika looked excited and guilty about this, Risa Aoki stood directly in front of Senju Makoto and said.

"Makoto-kun, no, you will definitely be reprimanded or even punished by Captain Unohana if you do this."

"Yes, Vice Captain Senju, this is a treatment cost of hundreds of millions. It is impossible no matter how you think about it..." Kotetsu Yuine also reminded Senju Makoto weakly.

"No matter what, you have to give it a try, even if it's a partial reduction." Senju Makoto said firmly.

However, Risa Aoki had no intention of giving in, and instead spoke more and more anxiously.

"Makoto-kun, have you forgotten? You were severely reprimanded by Captain Unohana a few days ago for carrying out such large-scale treatment without permission in the 11th Squadron. Now you are bringing this up.

Captain Unohana will definitely become more and more angry about this matter."

"That's right, that's right, Vice-Captain Senju was driven out of Captain Unohana's living room covered in blood at that time..." Kotetsu Yuune also continued to remind.

"It's okay, I am Teacher Uozhihua's disciple after all..."

For a moment, during the back-and-forth conversation between Senju Makoto, Aoki Risa and Kotetsu Yuune, Ayasekawa Yumichika felt extremely guilty.

I... am absolutely too despicable!

He actually made such a despicable request, asking Chengjun to risk his life to get a reduction in treatment bills for him...

However, Ayasekawa Yumichika's inner feelings and sense of responsibility for the 11th Squadron forced Ayasekawa Yumichika to pin her only hope on Senju Makoto.

Just when Yumichika Ayasekawa felt that she was being tortured, Risa Aoki suddenly spoke.

"By the way, Cheng-kun, if you really want to help the 11th Squadron, why not just follow the 'medical loan' method you proposed before and let the 11th Squadron pay in installments."

Yumichika Ayasekawa noticed a certain word and quickly asked. "Medical loan?!"

Risa Aoki glared at Ayasekawa Yumichika with dissatisfaction, but still opened her mouth to explain.

"Yes, this is an idea originally proposed by Mr. Cheng in order to understand those lower-level nobles with extremely poor economic conditions. The tenet he pursues is 'no matter what, treat the disease first, and the cost of treatment will be discussed later'."

Immediately, Risa Aoki explained in detail the operation method of the so-called "medical loan".

Because the nobles are recognized as nobles, they themselves have their own territory in the Quiet Spirit Court...

Therefore, nobles can mortgage their territory and promise to slowly repay a portion of the treatment costs in monthly installments over the next ten, twenty, or thirty years or more.

Of course, in order to make up for the fact that the fourth team lost a large amount of treatment expenses in a short period of time, a little extra interest needs to be added to the repayment of the treatment expenses, which is an annual interest rate of 5.65%.

Hearing this, Ayasekawa Yumichika felt his eyes light up.

Although Yumichika Ayasekawa is not very good at mathematics, the simplest multiplication is still very clear.

The fourth team is willing to delay charging treatment fees gradually for such a long time and only charges 5.65% interest. This is simply charity!

Later, Risa Aoki briefly cited a recent example:

A lower-level aristocrat owed 300,000 in treatment expenses after multiple treatments. In the end, the lower-level aristocrat only needed to repay the treatment expenses of more than 1,000 per month through a "medical loan".

This made Yumichika Ayasekawa's expression become completely excited!

Three hundred thousand? You only need to pay back more than one thousand every month?!

"Makoto-kun, I want to apply for this medical loan for the 11th Division!" Yumichika Ayasekawa said without hesitation.

"ah?"

Senju Makoto said with a somewhat embarrassed expression. "Yong-chan, this medical loan has just started to be implemented. There may still be some loopholes that need to be repeatedly verified to be repaired. Otherwise..."

"No!"

Yumichika Ayasekawa, who had felt extremely guilty towards Senju Makoto, said firmly.

"Instead of troublesome Makoto-kun to ask Captain Unohana, it is better to slowly repay the treatment bill of Squad 11 through this method."

After a pause, Ayasegawa Yumichika said to Risa Aoki. "Risa, could you please help me calculate how much the 11th Squadron will need to repay every month if we apply for a 'medical loan'?"

Risa Aoki introduced the business skillfully.

"This is also divided into different periods. Currently, it is generally divided into ten years, twenty years, thirty years, fifty years and one hundred years. Which period do Ayase River Sanchi intend to settle the treatment bills?"

Ayasekawa Yumichika thought for a moment...

For the relatively long lifespans of the Gods of Death, one hundred years is actually not too long!

But in the end, Yumichika Ayasekawa still tried to ask, "How much will it cost per month for thirty years?"

"Hold on……"

Immediately, Risa Aoki took out a pen and a small notebook from her arms, and calculated for a long moment as if she was writing furiously. Then she raised her head and said.

"Not much, not even 800,000, only 777,478.89 per month."

"More than seven hundred thousand?!"

Yumichika Ayasekawa's eyes were almost visibly filled with joy.

For Death personally, more than 700,000 per month is undoubtedly an astronomical figure.

However, this figure is not unacceptable for the activity funds of the entire 11th Division. Even though it also brings a lot of pressure, it is definitely still affordable.

At least, compared to the one-time treatment cost of over 100 million, more than 700,000 per month is nothing.

Immediately, Yumichika Ayasekawa immediately expressed his intention to apply for this "commercial loan", and quickly completed the signing of the contract with Risa Aoki on behalf of the 11th Squadron.

As for the collateral of the 11th Division, it is naturally the spacious team building and land of the 11th Division.

Yumichika Ayasekawa had no worries about this at all. It was not a problem for the huge 11th Division to settle more than 700,000 yuan a month from the team's funds.

"Chengjun, I really want to thank you this time. Thanks to your 'medical loan', otherwise the team's funds would really have collapsed from my hands."

Yumichika Ayasekawa held Senju Makoto's palm and expressed her heartfelt gratitude.

Senju Makoto, who felt guilty, was afraid to look directly into Ayasekawa Yumichika's eyes at this moment...

A loan of 134.69 million yuan, and the annual interest rate was still 5.65%. In the end, the interest that the 11th Squadron needed to settle, not including the principal, reached over 145 million yuan.

'I'm so damn...'

Senju Makoto silently condemned himself.

'However, in order to allow Unohana-sensei to enjoy the most beautiful flowers all year round, and in order to flourish rapidly with the sufficient team funds of the Fourth Division...'

"Team No. 11, let's have a hard time! Teacher Uozhihua must be rich anyway, and those muscular brothers clearly lack the pressure from poverty."

(End of chapter)