Loan (to AI) rule for multiplayer

[JohnMK]

Does anyone feel a rule for loans to AI nations is necessary in multiplayer? I am starting to feel my self-imposed 1% limitation is kind of restrictive. I'm liking 3% as a maximum value to charge AI nations, lately. Reason being is in real life in the game's time period, creditor nations actually lost money over time on all the loans they made because defaults were really quite rampant, yet Eu2 doesn't model this at all. Loans are always paid back on time if the debtor isn't annexed. This makes loans to the nations that historically bankrupted themselves numerous times (France, Spain, etc.) riskless. And we all know it shouldn't be that way. But well, we have to work within the limits of game mechanics and a 3% player limit on loans to AI nations seems to me quite reasonable.

How do you guys feel about it?

 

[RedPhoenix]

addiing a random element to loans that they get defaulted sometimes, would be great

 

[JohnMK]

Agreed. And in the absence of any such realism, we must impose our own rules to reflect how little benefit nations really derived from being creditors.

 

[RedPhoenix]

well anyway, I never loan money to AI in MP, I think people shouldnt

 

[Peter Ebbesen]

Originally posted by RedPhoenix
well anyway, I never loan money to AI in MP, I think people shouldnt

Bah

Those 1K 1% loans to struggling minors to give them a fighting chance are so interesting in times of peace when you do not acutely need the money yourself. It is not loansharking - it is the closest thing to real development aid the world has ever seen

 

[Hive]

Originally posted by Peter Ebbesen
Bah

Those 1K 1% loans to struggling minors to give them a fighting chance are so interesting in times of peace when you do not acutely need the money yourself. It is not loansharking - it is the closest thing to real development aid the world has ever seen

I agree. Great fun!

 

[metroncho]

Originally posted by Peter Ebbesen
Bah

Those 1K 1% loans to struggling minors to give them a fighting chance are so interesting in times of peace when you do not acutely need the money yourself. It is not loansharking - it is the closest thing to real development aid the world has ever seen

Yes, i agree with it Too late to give them to Persia tough .

I also think original John MK idea is right, but who would control that?

 

[Johan]

Guess what I wrote today?

 

[Peter Ebbesen]

Originally posted by Johan
Guess what I wrote today?

Well, I'll bite.

Having had a talk with your bank manager about the deplorable state of your account, you decided to default on a loan. Unfortunately, his limited banking system was not capable of carrying out the order due to "some sort of limitation in this type of program". Embittered, you returned home, opened a connection to the unsecure banking system, and had your banking manager assigned to play the Aztecs. Then you, as Sweden, offered him a 1000d 10% loan, and he accepted, thinking to defraud you of your money by defaulting (the EU2 interface with Word was most cunningly done, Johan, he never knew what hit him).

However, this was not to be. Sending one of the deadly supervisor codes, you killed his connection, and let the AI handle his loan. Unable to default, you won big, and annexed the Aztecs with Sweden.

Then you returned to the bank and told him to pony up the money that you were clearly owed.

Now, a lesser being might have ponied up, but not the devilish bank manager. Instead, he proposed that you hack Word, to allow him to default on loans (which could prove useful in so many situations), in return for accidentally defaulting on the loans that originally bothered you, letting the minor monetary hurt hit Göran Persson instead. (Real bank managers know awesome tricks).

Thus, funded by the bank, you went and implemented just such a defaulting code in EU2, since doing elsewise would have been dishonest.


...So. How close did I come to the truth? Probably 99% with a standard deviation of 80%. Bound to be the case, though. It is the only obvious explanation for that self-satisfied question from Johan.

 

[Peter Ebbesen]

Originally posted by metroncho
Yes, i agree with it Too late to give them to Persia tough .

Yep, paying Persia some money would have been a good idea and might have prolonged that war for a few years. I certainly would not have received it as a peace-offer, since my glorious Ottomans really wanted to force-convert those heretic Safavids.

 

[Johan]

Well, put it this way...

Don't expect to get loans paid pack if you dont have superb relations

 

[boehm]

Originally posted by Johan
Guess what I wrote today?

let me guess?!?

A) a string of code or "something" making debitors default on their loans 15% of the time?

B) hmmm restricting the use of loans to 3% interest per year?!

C) an email to all your friends and collegues saying that u have grown fed up with EU2 & life in general, that you quit and that any emails to you should be forwarded to your new address in Tibet....?!?

D) "Guess what I wrote today?"

 

[Peter Ebbesen]

Originally posted by Johan
Well, put it this way...

Don't expect to get loans paid pack if you dont have superb relations

Yup, almost a 200% match with my guess, with one or two minor exceptions.

 

[N Katsyev]

Today for the very first time ever in like 2 years of EU playing I was able to convince the AI to take a loan. I had never really tried it before, one attempt here, one attempt there, all failed, so bleh I thought. Then today I thought i'd actually try it, and found that the Pope and the Turk really like money.

And now I hear that my new-found tool will become much more difficult... Sooo, what exactly are the best ways to get the AI to take a loan? Is long or short repay time better? Interest is probably considered, today I was doing 5 and 6% loans. Also, the 3% MP limit sounds good to me. Anywho, just curious.

 

[JohnMK]

Well if there's risk for default in 1.06b then I'm pretty sure we can probably raise the limit to 6% or so. Also one thing to consider Johan is possible default (maybe) way before a loan is paid back. Otherwise you'll simply encourage everybody to make 10%, 300-month loans, and if those aren't exactly paid back, at least the interest payments over 25 years is 2.5x the loan principal.

 

[Stingray]

Anyone know the effect of another nation refusing to pay their dues ?? Does the nation that was scammed get any cb-like benefit to punish the scamming one ??

 

[Johan]

You get a cb when they default...


And i've already tweaked the ai for accepting loans, so dont expect to earn more than 100-125% total in interests on a loan.

 

[RedPhoenix]

won't this make it too easy to get CB ? just give a 10 ducat loan to AI and when it defaults you got cb. Maybe some sort of limit on what kinds of loans AI will default too.

 

[unmerged(6159)]

Originally posted by Johan
You get a cb when they default...

This was always the case right? I certainly remember getting a CB when the AI defaulted.