Thread created on Thu Dec 27, 2012 01:10:58 Last replied to on Fri Dec 28, 2012 22:14:17
I think the city bank should be able to give out loans.
At level 5 the city bank opens up
maybe at level 20 you are able to take a loan and it has its own interest rates and a certain period of time where you have to pay it off. Like a real bank
And maybe have a safety deposit or vault.
The city bank now is too simple and kind of boring where you can only invest, with more features and other things to do in the city bank it would make the game a bit more interesting.
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.
That would never work. The way people would exploit this suggestion and make ridiculous money, the 20m (with intrest payback) will be nothing to them. Everyone would become rich.
If you want more than a 100k loan from tim, use merits to upgrade the max loan by 100k each time.
Paying 250k per loss.
Paying 500k per successful run away.
Doing full spy reports - Battle Stats, Working stats + money ; 850k per player
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
i think the game is totally fine without the loan system
all of us have managed to make our millions without it and will continue to do so later too
but at your age most active people have a billion or two plus stock and other ways of making more cash
so if you fail at making cash and want to take a loan, i dont think the game should support this
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
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