This news instantly caught the attention of the classmates, and they all started asking Ding Deng what he had discovered.

At that moment, Jiang Ye’s main body had just returned to the apartment, while his first replica took the elevator back down to the first floor.

From a distance, the replica saw Ding Deng standing excitedly at the front desk on the first floor, right beside the Apartment Administrator.

Meanwhile, in the group chat, Ding Deng’s messages kept popping up:

【Does everyone remember how the initial announcement said that the Apartment Administrator can set additional rules?】

【Just now, I was completely desperate, so I mustered up the courage to ask the Administrator if someone like me, buried in massive debt, had any way out.】

【I didn’t expect the Administrator to actually give me an option, and that is—taking out a loan!】

【And it’s not just me—everyone can apply for a loan!】

【The Apartment Administrator just confirmed that he can issue loans of varying amounts to all of us!】

【However, the loan must be applied for in person, and it comes with interest!】

【So, does anyone want to take out a loan? You can go to the first floor and ask the Administrator about your loan limit!】

【You can use the loan to invest in yourself first, improve your abilities, and once you start making money, you can repay it!】

As soon as this news dropped, all the students were stunned!

Who would’ve thought that this apartment not only offered housing, jobs, and shopping, but even had an Administrator handing out loans?!

But, the students weren’t stupid.

Everyone knew that loans weren’t necessarily a good thing.

Sure, the idea of improving your earning ability before repaying sounded nice.

But the Administrator wasn’t running a charity.

Even canceling a lease required paying a hefty penalty. There was no way loans would be that simple.

Just as the students were busy asking about the loan details, Ding Deng had already engaged in a deep conversation with the Administrator.

Soon, the excitement on his face faded, replaced by disappointment and frustration.

At that moment, Jiang Ye’s first replica walked over.

The moment Ding Deng saw Jiang Ye, his eyes lit up, and he immediately called out, “Come, come, come, Jiang Ye, over here!”

Without waiting for Jiang Ye’s response, he grabbed his arm and turned to the Administrator.

“Administrator, look at him. If he becomes my guarantor, how much can I borrow?”

As soon as those words left his mouth, Jiang Ye’s brows furrowed deeply.

The middle-aged Administrator, with his cold and rigid features, cast an indifferent glance over Jiang Ye before replying expressionlessly:

“If he agrees to be your guarantor, your loan limit increases to 50,000.”

“Hiss…” Ding Deng’s eyes widened in shock. He could hardly believe it!

“That much?!”

He turned to Jiang Ye as if he were looking at a treasure, even swallowing nervously before speaking again.

“Jiang Ye, be my guarantor!”

“The 50,000 loan will be my responsibility to repay. As my guarantor, you won’t have to worry about anything.”

Jiang Ye rolled his eyes internally and couldn’t help but think:

Yeah, right. How the hell could I not be involved?

If the guarantor had nothing to do with it, why would they even need one?

Ignoring Ding Deng, Jiang Ye directly asked the Administrator:

“What exactly are the guarantor’s responsibilities?”

The Administrator remained expressionless and replied in a rigid tone:

“It’s simple—”

“If the borrower fails to repay the loan by the agreed deadline, or if the borrower dies and is unable to repay the debt—”

“Then the debt will be transferred to the guarantor.”

The moment the Administrator finished speaking, Ding Deng hurriedly added:

“The Administrator also told me just now that if a borrower fails to repay on time, they will be eliminated!”

“So, to avoid being eliminated, I will definitely pay it back on time! You can rest assured about that, Jiang Ye!”

He spoke with absolute confidence, but Jiang Ye was left completely speechless.

This guy is hilarious!

The Administrator’s meaning was obvious—he was worried that Ding Deng wouldn’t live long enough to repay, which was why he needed a guarantor to take the fall.

And yet, this guy was completely oblivious, not even considering the possibility of his own death, and was confidently promising repayment.

Where the hell is this confidence coming from?!

But Jiang Ye didn’t outright reject him.

Instead, he turned back to the Apartment Administrator and asked, “Is having a guarantor mandatory for taking out a loan?”

The Administrator shook his head. “No. But with a guarantor, loan amounts, repayment deadlines, and interest rates will all vary significantly.”

“For example, this student Ding Deng—without a guarantor, he can only borrow 50, and it must be repaid by the end of today.”

Hearing this, Ding Deng’s expression darkened instantly.

With a stiff tone, he tried to persuade Jiang Ye again.

“The difference is just too huge. That’s why I want you to be my guarantor.”

Jiang Ye ignored him and asked the Administrator another question:

“If I apply for a loan without a guarantor, how much can I borrow?”

The Administrator replied, “50,000.”

Just two simple words, yet the atmosphere in the room suddenly froze.

Ding Deng stared at Jiang Ye in disbelief for a long time before abruptly turning to the Administrator.

“How is that possible?!”

“Why can he borrow 50,000 while I can only borrow 50?!”

The Administrator, still expressionless, replied coldly:

“Different people, different limits. I have my own judgment criteria.”

Hearing this, Ding Deng looked like he had suffered a major blow.

His face turned red with humiliation, but he refused to give up.

“Then… what if I become his guarantor? How much can he borrow then?”

Administrator: “Still 50,000.”

That cold, indifferent answer only deepened Ding Deng’s humiliation.

At this moment, he finally realized—

The Administrator didn’t believe he could live long enough to repay the loan!

The reason he was offered 50,000 was because the Administrator expected him to die, leaving the debt for Jiang Ye to cover!

This…

This Administrator was seriously looking down on him!

Hadn’t he ever heard the saying, thirty years east of the river, thirty years west, never underestimate the poor youth?!

Since the Administrator looked down on him so much…

Then he was going to prove him wrong!

He was going to become stronger! He was going to earn not just 50,000, but 100,000—just to slap this Administrator in the face!

Fueled by determination, Ding Deng suddenly straightened up and declared to the Administrator with an intense and forceful tone:

“Alright! Fine! Jiang Ye will be my guarantor—I’ll take the 50,000 loan!”

His voice was firm, like he was making an unshakable decision.

But the problem was—he had never even asked for Jiang Ye’s opinion.

Jiang Ye was completely dumbfounded!

Although all the apartment players were classmates, Jiang Ye was from Class One, while Ding Deng was from Class Two.

The two of them weren’t familiar with each other at all. In fact, before getting dragged into this Doomsday Apartment, they had never even spoken a single word to each other!

So how the hell did this guy have the audacity to act like it was only natural for Jiang Ye to be his guarantor?!

Jiang Ye didn’t need to hesitate at all. He immediately turned to the Administrator and said, “No way! I never agreed to be his guarantor.”

As soon as he said that, Ding Deng’s already humiliated expression froze even further!

He snapped his head toward Jiang Ye, his tone unfriendly. “What do you mean? You look down on me too? You think I can’t pay back that 50,000?”

Jiang Ye really wanted to just answer bluntly: That’s right. I do look down on you!

But he didn’t want to waste his time arguing with a guy who clearly lacked common sense, so he rephrased it instead:

“Of course not. I just think that since you’re from Class Two and I’m from Class One, instead of asking me, wouldn’t it be better to ask Wang Lingling from your own class?”

“Not only do you know her better, but more importantly, if she becomes your guarantor, your loan limit would definitely be much higher.”

What he said made sense, and for a moment, Ding Deng was almost convinced.

But he wasn’t completely brainless.

Wang Lingling’s status was leagues above his. Why would she ever agree to be his guarantor?

He could already imagine how it would go—

If he went to ask Wang Lingling, she would reject him on the spot, without even bothering to give an excuse.

And him? He wouldn’t even dare to complain. He’d just leave with his tail between his legs, knowing full well that pestering Wang Lingling was out of the question.

Of course, he wasn’t going to admit any of that. Instead, he quickly came up with a convenient excuse:

“Sister Ling is busy dealing with Yang Wenchao’s situation. She doesn’t have time to be my guarantor!”

“Besides, I’m only planning to borrow 50,000. You’re already here, so you’re the perfect choice to be my guarantor!”

“This saves time and gets us a perfect outcome—why not go for it?”

Ding Deng made his argument sound so reasonable and logical.

But Jiang Ye had already figured him out—this guy wasn’t just dumb. He was a classic bully who only picked on people he thought were easy targets!

Realizing this, Jiang Ye lost any remaining patience for so-called “classmate camaraderie.”

His expression instantly turned cold as he said indifferently:

“Sorry, I lied earlier.”

“I do look down on you, and I do think you can’t pay back 50,000.”

“And to be completely honest—though this might offend the Administrator—”

“If I were the Apartment Administrator, you wouldn’t even qualify for a loan of 50.”

Source: Webnovel.com, updated by NovelKeep