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Harry Potter: Why Roll Gacha When I Can Borrow Money from Hogwarts

Keita_Hoshiym
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Synopsis
Traveling through the world of Harry Potter, Lucien awakened the loan magic system. With a flick of his hand, he could advance his rewards! Of course, debts still have to be repaid. So, the students at Hogwarts got to know a new student who was not only better than you, but also more competitive than you. [Congratulations to the host for obtaining "Loki's Faceless", please repay the loan: Perfectly master the art of transformation] Dumbledore: "With talent and hard work, could it be that Lucien is the future of the wizarding world? But the prophecy..." [Congratulations to the host for obtaining the "Dark Magic Encyclopedia". Please repay the loan: Voldemort's head] Voldemort: "What do you mean you owe a debt and need to borrow my head?" [Congratulations to the host for obtaining the "Resurrection Potion Formula". Please repay the loan: create fifty new potions.] Snape: "Lucian has developed the formula for the resurrection potion? Lily... tell Dumbledore I'm resigning as Potions Professor? Go find Lucian!" … Lucien put his hands behind his back and said, "I didn't expect to be this good. I just took out too many loans."
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Chapter 1 - Chapter 1 Hogwarts Acceptance Letter

"Aunt Penelope, I really like the tutor for the finance class, and I've grasped some of the relevant knowledge. Could you find me a philosophy tutor as well?"

"Little Lucien, I'm very happy to see you so eager to learn, after all, you will take over Grafton's business in the future."

"But you are still a child and need to pay attention to proper rest and entertainment to ensure healthy growth."

"Aunt, the world is a giant washing machine; either you 'roll' others, or others 'roll' you!"

Inside the elegantly decorated villa, a beautiful, dignified woman leaned on the sofa, looking at the handsome young man before her with a hint of helplessness.

His dark golden hair was neatly combed, and his deep black eyes revealed a maturity not belonging to his age.

Lucien Grafton.

The sole heir of Grafton, a British business giant.

His parents met with an accident during a trip, and he was later raised by his Aunt Penelope.

Penelope herself was unmarried and childless; Lucien was the only bloodline left by her brother, and she had always treated Lucien as her own.

Lucien had been intelligent and clever since childhood, and also well-behaved and studious, completely unlike the mischievous children of his age.

Yet, Penelope sometimes felt that Lucien's'studiousness' was excessive; not only could he quickly master all kinds of knowledge taught by his tutors, but he would also proactively ask them to leave a large amount of practice exercises and homework.

Rubbing her forehead, Penelope chuckled lightly:

"I know what a washing machine is, but what does 'roll' mean? You always like to invent new words."

"However, little Lucien, have you really thought it through, going to that Hogwarts?"

...

Ten years had passed since Lucien transmigrated to this world. He found himself reincarnated into a wealthy family, and he should have inherited the family fortune, dominating the business world, trampling the financial industry, and becoming a true Master Lu.

But this morning, a plump, snow-white bird flew in through the window, dropped an envelope, and elegantly departed.

The crest on the envelope was a capital "H" surrounded by a lion, a snake, a badger, and an eagle.

"Hogwarts School of Witchcraft and Wizardry

Principal: Albus Dumbledore (President of the International Confederation of Wizards, Chief Mugwump of the Wizengamot, First Class Sorcerer of the Order of Merlin)

We are pleased to inform you that you have been accepted to Hogwarts School of Witchcraft and Wizardry.

Please find enclosed a list of all necessary books and equipment.

Given your circumstances, we will send a Professor to answer your questions, arriving no later than eight o'clock this evening."

Hogwarts?

magic?

Lucien finally accepted the fact that he had transmigrated into the Harry Potter world and tried hard to recall relevant memories.

Here there was all sorts of wondrous magic, a self-contained magical world, and a rich variety of magical creatures...

For young Wizards from pure Muggle families like Lucien, a Professor would visit their home to provide basic knowledge about Wizards and magic.

"I wonder which Professor will come. Old Dumbledore? Or Professor McGonagall, the older cat-lady? It can't be that Snape who doesn't like to wash his hair..."

...

Facing Penelope's inquiry, Lucien nodded.

"Yes, Aunt, at Hogwarts, I can access magic, knowledge I completely don't understand..."

Seeing Lucien about to express his eagerness for new knowledge again, Penelope waved her hands repeatedly.

"Alright, alright, if you want to go, then go. After all, it's an extraordinary and magical power; who would refuse?"

As the current head of Grafton, Penelope had vaguely heard of the existence of the magical world, but she never expected her nephew to actually awaken the power of a Wizard.

After a brief chat with his aunt, Lucien returned to his room.

"System, I'm going to learn magic, can this month's loan be waived?"

[Congratulations to the Host for entering a brand new world. Applying for a 'magic Loan' for you]

Hearing the system's emotionless voice, Lucien shook his head helplessly.

As a standard feature for transmigrators, this system awakened when he was six years old. Its full name was [Loan Reward System].

Lucien could directly advance rewards and then complete the loan tasks issued by the system.

For example, what Lucien recently loaned was "Mastery of Financial Knowledge."

The moment the loan contract was signed, Lucien directly gained a vast amount of financial knowledge.

Afterward, he needed to read 50 financial books and complete 500 related exercises to repay the loan.

Of course, thanks to the advanced rewards, Lucien found it much easier to complete these tasks.

[To celebrate the Host's embrace of the wonders of magic, a 'loki's faceless' (Annual Loan) has been applied for the Host]

Seeing the words "Annual Loan," Lucien's eyelid twitched.

The system's loans were divided into daily, weekly, monthly, and the highest level, annual loans.

The repayment periods for the four types of loans were one day, one week, one month, and one year, respectively.

The rewards increased progressively, but the difficulty of the loan tasks also soared accordingly.

[Loan Project: loki's faceless (Annual Loan)]

[Repayment Period: 365 days]

[Loan Content: Acquire the magical talent of Loki, the God of Trickery and Change]

[White Magic: S]

[Dark Arts: SS+]

[Defense: S+]

[Transfiguration: SSS]

[Potion: A]

[Alchemy: A+]

[magic Power: SS]

[Loan Tasks: Proficiently master White Magic, perfectly master Transfiguration, perfectly master Dark Arts, cultivate extraordinary offspring...]

Looking at the detailed description of the "loki's faceless" loan, Lucien's expression grew increasingly strange.

He knew Loki, the God of Trickery in Norse mythology, especially skilled in change and magic.

But such a luxurious reward also meant a hellish difficulty for the loan tasks; just the sheer number of tasks made Lucien dizzy.

No matter how good Loki's talent was, could he master all this magical knowledge within a year?

And what the hell was cultivating extraordinary offspring? Was it because Loki was rumored to have given birth to bizarre descendants like giant wolves, great serpents, and eight-legged steeds?

Can a human give birth to these things?

Lucien shook his head.

"System, since it's my first magic loan, shouldn't there be some kind of discount?"