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Possible Lag Loan Solution?

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I was thinking that it might be possible to reduce the profound negative impact of lag loans using a fairly simple solution. If we reduce the size of loans to 10 ducats, shouldnt that reduce the pain of lagloans? We would have to test it, of course, but theoretically it should work right? You would just take a 10 ducat loan to make up the shortfall, at least that is what I would anticipate.

With the beta change that makes bankruptcy calculated differently, 20 10 ducat loans should function the exact same as 1 200 ducat loan, right?

Possible drawbacks would be that it would make it very painful to actually take a loan to pay for something; a big event cost, for example. But the pain of having to click 20 times to pay off 20 10 ducat loans isnt more than the pain of lagloans, is it? Just a thought, what do you guys think about this?
 
Eh... no... please don't...

Maybe 100, but 10 is way too low. You'd get cramps in your fingers if you actually want to take out a *real* loan...
 
so what happens when i go to war and take a few loans? i'd get like 30 instead of 600, so makes loans pointless and they should just be removed or slept somehow so 0 is 0
 
ryoken69 said:
Do you seriously use loans to finance things that often?
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I sometimes take out loans in connection with events (if I eg. get a "pay x ducats or get x % inflation!" event) or if I need money for troops badly in the early game.
 
Zeitgeist said:
Make the damn loans repayable at any time, like Victoria...
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that would be nice
 
thats the biggest problem with loans. you have a three month window to repay them .... 5 years later. miss the window and you must wait another 5 years.

i always take loans, but its usually event driven and usually related to gaining stab or keeping the stab up. its opportunistic. repaying the amount is usually not a problem, but sometimes I forget when that 3 month window of opportunity actually is.

however, i think it would be a mistake to allow one to repay mere fractions of a loan. i think it would make deficits too easy to finance and hurt good money skills. stay with the all-or-nothing, lump sum repayments, maybe even increase interest rates.
 
the best solution for lag loans is negative money,imho
 
saskganesh said:
thats the biggest problem with loans. you have a three month window to repay them .... 5 years later. miss the window and you must wait another 5 years.

i always take loans, but its usually event driven and usually related to gaining stab or keeping the stab up. its opportunistic. repaying the amount is usually not a problem, but sometimes I forget when that 3 month window of opportunity actually is.

however, i think it would be a mistake to allow one to repay mere fractions of a loan. i think it would make deficits too easy to finance and hurt good money skills. stay with the all-or-nothing, lump sum repayments, maybe even increase interest rates.
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3months ? i ussually have 1month window wich caused me to miss alot of loans.......
 
Hive said:
Maybe 100, but 10 is way too low. You'd get cramps in your fingers if you actually want to take out a *real* loan...
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But don't you (of all people) have experience in clicking the take loan -button rapidly and repeadetly?

;)
 
Zeitgeist said:
Make the damn loans repayable at any time, like Victoria...
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Yes, that would be great. More than great, even.

Jarkko Suvinen said:
But don't you (of all people) have experience in clicking the take loan -button rapidly and repeadetly?

;)
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I was wondering when that would be brought up... :p
 
admiral drake said:
3months ? i ussually have 1month window wich caused me to miss alot of loans.......
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you know, it might be two. i know if i have a loan due end of November, if I keep the loan window open, i can pay it off with my annual income on January 1st. the repay loan window will stay there all of the jJanuary.
 
balinus said:
i'd prefer this solution over the one proposed by Zeitgest. I think that in these period loan were granted by "individuals". Often, there were ultimatum (like the game --- 5 yrs).
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im not too concerned with "realism" as most countries in the period operated at a deficit, to the chagrin of many financiers. i think that expanding the money supply too easily might not be desirable.
 
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