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Whatever the formula is, it would be nice to know how high the interest rates are before you take out the loan. Sure, you can borrow and reload if you don't like the terms, but this should be unnecessary.
Factors are
* Stabiliy
* num of cancelled loans
* amount in treasury
* number of extended loans
* if you've been bankrupt the last few years
* stock exchange
When you place the cursor over the 'borrow loan' button, it tells you in a little pop-up window how much you can borrow. Would you consider patching this feature to have it show the interest rate as well?