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yellow ribbon
- Posts: 2245
- Joined: Sun Jun 26, 2011 5:42 pm
well, the graphical design for loan and interest rates was already there since June...
i think 3 kinds would be possible:
- kind of diplomatic option just using part of the "war reparation" option with higher payments, maybe increasing the possibility of buying goods from the country you loaned money to
- the often demanded trade payment time lack to avoid inflation as clickable option. you dont pay the trade instantly but turns later if you can afford and additionally paying interests rates only once a quarter
- kind of short selling, you get my money but i demand goods and reimbursement in future
But i guess its not priority at all, virtually you have a sort of loans in game without any "emitting bonds".
PC is loaned on the cost of inflation, extremely short run loans. since the amount of money per 1% inflation is not fixed, the very next turn you can have enough PC and even exploit the taxed production and benefit from in in form of state money....
as longer the game runs, as higher the gain from such exploiting. A problem of too much PC...
i think 3 kinds would be possible:
- kind of diplomatic option just using part of the "war reparation" option with higher payments, maybe increasing the possibility of buying goods from the country you loaned money to
- the often demanded trade payment time lack to avoid inflation as clickable option. you dont pay the trade instantly but turns later if you can afford and additionally paying interests rates only once a quarter
- kind of short selling, you get my money but i demand goods and reimbursement in future
But i guess its not priority at all, virtually you have a sort of loans in game without any "emitting bonds".
PC is loaned on the cost of inflation, extremely short run loans. since the amount of money per 1% inflation is not fixed, the very next turn you can have enough PC and even exploit the taxed production and benefit from in in form of state money....
as longer the game runs, as higher the gain from such exploiting. A problem of too much PC...
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yellow ribbon
- Posts: 2245
- Joined: Sun Jun 26, 2011 5:42 pm
clearly depends of the would-be architecture of the loan.
if you are not willing to wait until cash is available or not able (due to too high stocks, thereby too low prices) to finance it, interest rates would harm you much more, for you would also be unable to gather the money to pay it back...
you can find trade loans (including risk of currency exchange) in this time period of 30% and more, as shorter the loan, as relative higher it must be. painful...
in PON we dont have subprime markets
if you are not willing to wait until cash is available or not able (due to too high stocks, thereby too low prices) to finance it, interest rates would harm you much more, for you would also be unable to gather the money to pay it back...
you can find trade loans (including risk of currency exchange) in this time period of 30% and more, as shorter the loan, as relative higher it must be. painful...
in PON we dont have subprime markets
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yellow ribbon
- Posts: 2245
- Joined: Sun Jun 26, 2011 5:42 pm
why should it sound funny?
Even with GC US i experienced that i was unable to finance myself in a NOT overheated economy and not all needs of people fulfilled, but structures at hand in early 1860s.
i stuck with the situation until i used short run debts/inflation and bought up the market for some months afterwards. however, due to the new construction times this would be even worse now, i dont have time to play at the moment, and of course a not as playable intended country will see this kind of problems much earlier in game.
Loans would be extremely desirable for multiplayer, one slider for the amount, one for the desired time to get it back, automatic generated interest rates.
but given the current economic system the trade off between risking inflation and paying back loans must be in favor for inflation in the short run. thus interest rates must be more painful or the too much capital for larger countries with the inflation and loans at the same time, would be a magic bullet.
the loans itself are highly desirable, but the trick is the design: what it is supposed to support. trade, construction, diplomacy... the AND/OR will be the problem...
however, since it involves graphical adjustments, the work is for the Devs. we can only do small talk
Even with GC US i experienced that i was unable to finance myself in a NOT overheated economy and not all needs of people fulfilled, but structures at hand in early 1860s.
i stuck with the situation until i used short run debts/inflation and bought up the market for some months afterwards. however, due to the new construction times this would be even worse now, i dont have time to play at the moment, and of course a not as playable intended country will see this kind of problems much earlier in game.
Loans would be extremely desirable for multiplayer, one slider for the amount, one for the desired time to get it back, automatic generated interest rates.
but given the current economic system the trade off between risking inflation and paying back loans must be in favor for inflation in the short run. thus interest rates must be more painful or the too much capital for larger countries with the inflation and loans at the same time, would be a magic bullet.
the loans itself are highly desirable, but the trick is the design: what it is supposed to support. trade, construction, diplomacy... the AND/OR will be the problem...
however, since it involves graphical adjustments, the work is for the Devs. we can only do small talk
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