He looks at you unaffected by your joke.
"Collateral is, of course, mandatory. As a newcomer to the city, you must show proof of residence, which includes copies of for residency license and current address. Should your address change, you must update it with us. If you have a regular job, we can use your wages as collateral, otherwise, we'll need some valuable item of your with an equal or greater value to hold in our vaults until the total is repaid.
That said, our interest rates begin relatively low, but, being a first time borrower and having no credit history within Aldhaven, the interest will be a bit higher. Depending on what the adjuster says, you'll be getting around eleven percent annually, compound."