Improved loans system
Материал из TTDRussiaWiki
PhilSophus wrote This patch makes the handling of loans and the interest payed for them a bit more realistic. It makes your maximum loan dependent on company value and makes the interest rate you pay depending on how much of your credit line you have utilized.
The patch is controlled by three difficulty settings:
- The initial interest setting is changed to a minimum interest setting. This interest is applied if your loan is low compared to your maximum loan. The default is the same as before. The maximum was raised to 5%.
- The maximum interest setting controls how much interest you pay if you have your maximum loan taken. For loans between 0 and max. loan the interest rate is calculated linearly between minimum and maximum. The default value is the same as the minimum value. The maximum value is 15%.
- The maximum loan in percentage of company value allows you to take a higher loan if your company value is high. However, if your company value is low you can always at least take the loan based on the traditional initial loan setting plus inflation (i.e. your maximum loan is at least as much as it was without the patch). The default value is 0%. The maximum value is 90%.
Notes:
The default values are selected so, that the patch does not have any effect unless you change them. Minimum and maximum interest rate settings are coupled in a way to enforce that the maximum is never lower than the minimum. Thus, setting one of the two settings may change the other one (this is visible in the GUI). The maximum loan is updated quarterly. The settings are locked during game play and can only be selected in the difficulty settings before starting a game.
I hope, you will find this patch useful.
Example:
Relevant difficulty settings: Initial loan: €400,000 Minimum interest: 5% Maximum interest: 15% Maximum loan: 50% of company value Your current state: Company value: €2 (you just started). Current loan: €200,000 Maximum loan; €400,000 (patch does not take effect as your company value is low) Current rate: 10% (as you have 50% of your credit line exhausted) Later state: Company value: €19,999,200 Current loan: €200,000 Maximum loan; €9,900,000 (i.e. 50% of company value rounded down) Current rate: 5% (you have only used 2% of your credit line, so you pay the minimum interest)
Ссылки
http://www.tt-forums.net/viewtopic.php?f=33&t=36184
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