I mean bigger loans. Tim gives out 100k and if you have the max upgrade then its only 500k. Maybe i want to take out 20 million basing on the interest the bank tells you what monthly payments you have to make or it may take out money from your account directly and for how long it will be doing this.
I am suggesting that the bank should have more features.
in what way would it be exploited? if you say they can make multiple accounts and send money and then abandon accounts then you can solve the issue by making this available to players level 30 and over. new accounts wont be able to use it till much later.
If you could take out 20M it would have to either be taxed some how or have a higher interest than what you gain from investing it. That way it would take more money out of the system in the long run than it brings in.
maybe this bank can ask for collateral. which has value of loan. in a situation you have villa but you want 1mil not to sell the property. so he can submit the collateral and take money and should pay in limited time. or he will loose his collateral. this way you can take loan
well im not saying i dont have money (which i do) but why not? How will that not enhance the game? lets say i have 500 mil saved up and i spend it all on getting a PI why not take a loan to make an upgrade or something