| Author | A loan System |
|---|
The empire can start giving loans
u see
there can be a particular time to return the gold back
or else a penalty on the player.
How do u like it. |
VERY NICE BUT ..................... empire WILL NOT GIVE I THINK
SORRY FOR USING CAPS |
| i think instead of empire there shall be bank |
also when a loan taken from bank it will block all/any type of transfers
so player(s) cant transfer gold to other by taking loans from banks |
| bank sounds nice. we can put our money there and expect 9 or 11% interest per month :P |
Sounds so easy to abuse...
1. Create dozens of multis
2. Take a LOT of loan with all of them
3. Send gold to main
4. Multis get penalty |
| 5. your main will get a penalty too for illegal financial assist. |
+1 with heavy restrictions
I've thought of all kinds of possible restrictions that would prevent abuse.
For instance, a player with an outstanding loan from Empire, can be prevented from transferring money to anyone else.
The player can also be prevented from bidding on any items on the market, to prevent abuse that way.
It may be necessary to prevent roulette as well, to stop players from just blowing borrowed money away.
Not allowed to bet on tavern games.
Renting or transferring artifacts is not allowed.
Selling items/resources on the market is not allowed.
So, basically while you are in debt to Empire, the only thing you can do is buy shop arts and buy/sell resources at mines.
There can be a limit of [player level] * 10,000 for the loan amount.
Only 1 loan can be taken at a time.
Empire will automatically withdraw 1% of the loan every day for 101 days. This means the total repayment is 101% of the original loan. 1% is charged for services. |
5. your main will get a penalty too for illegal financial assist.
Yes, but imagine the number of players who will cheat this way. Admins will end up spending most of their time imposing penalties or blocking people.
+1 to Flour's idea. |
| +1 |
| will b hard to control it .... |
Simple as it is:
If you take loan then ANY transfer will go first to cover the loan and then only to transfer target. Purchase on items from market or players are forbidden only you can buy stuff from BANK (also SoM can be bought from bank with 10% increase) return of the loan - 1% per day. max term 30 days. Max bank loan = [combat lvl]*[labour guild]*1000 gold. |
| -1 |
| +1 to Flour's idea. Though interest could be higher; let's say 110 days of withdrawal. |
| why in hell empire would want to loan if their income comes from diamonds players buy? |
| -1 |
why in hell empire would want to loan if their income comes from diamonds players buy?
Read my post #8
They would charge 1% for it.
Therefore, they would get money in the long run and therefore promote diamonds. |
| or since its stupid 1% every day they would charge u every week the 7% so ur trasfer log if not so ugly :P |
+1 with terms
if you don't pay back in time then you are marked for no more loan + loan * 1,5 substracting as penalty.
like i ask 100k loan. i send back 20k so rest is 80k
i don't pay back in time so i get -150k as penalty... |
what i and forgot:
1. the max size is combat lvl * 20000
2. after one payed back loan no more within half year |
