Repaying the loan as Tommen in the AFFC scenario

[K W]

While I managed to survive as Tommen in the AFFC scenario, it appears to be impossible to pay back the huge 1,250 gold loan in the AFFC scenario. I'm barely able to pay the interest. So is there any way to clear the debt, or do I have to default on the loan sooner or later?

 

[TankRush]

It can be hard, and in a way they don't want you to be able to pay off the loan anyway (even today, they're rather you pay interest forever, than ever be able to pay off the principal).

I've had some loans that took a very long time to pay off, the only thing you can do is stay patient, and try to keep out of wars, saving as much money as possible.

 

[K W]

It can be hard, and in a way they don't want you to be able to pay off the loan anyway (even today, they're rather you pay interest forever, than ever be able to pay off the principal).

I've had some loans that took a very long time to pay off, the only thing you can do is stay patient, and try to keep out of wars, saving as much money as possible.

Well, I ultimately decided to default since the interest was just obscene. The prestige hit (-1250!) gave me the rest, triggering a massive rebellion. Luckily, I was deposed in favour of my two-year-old daughter, which was conceived when Tommen was 13, I think.

Still, it would be nice if this would be somehow softened.

 

[yezhanquan]

In canon, the default on the Iron Bank's loans by Cersei did cause a ton of problems.

 

[unmerged(515410)]

Well, I ultimately decided to default since the interest was just obscene. The prestige hit (-1250!) gave me the rest, triggering a massive rebellion. Luckily, I was deposed in favour of my two-year-old daughter, which was conceived when Tommen was 13, I think.

Still, it would be nice if this would be somehow softened.

Well, provided you don't wanna go 100 percent tyranny, it can be done, but Tommen is still probably dead if you do it this way.

I'm assuming that you've won the war with Westeros united and at peace. Simply wait 1, maybe two years, and you'll have about 250 known plots(always do). Just imprison and ransom some mayors and minor counts. The ones you do imprison, though, will likely become your rivals and one of them will eventually get you with the faceless men.

That's another issue. If all you have to do to get the FM to do a hit is sacrifice one of your kids, it makes it incredibly easy for you to get taken out by one single, solitary, landless and penniless grieving widow because you may have executed her husband. I think you should have to pay the faceless men something even if you give up one of your kids.

 

[Rambo]

While I managed to survive as Tommen in the AFFC scenario, it appears to be impossible to pay back the huge 1,250 gold loan in the AFFC scenario. I'm barely able to pay the interest. So is there any way to clear the debt, or do I have to default on the loan sooner or later?

Only 1250? That seems laughably low by the way the book describes this vast sum of money. I mean it costs 5000 in game just to upgrade to a level 4 or 5 fortress, the way they describe the amount in the book it would take a generation of taxes to pay it off, seems like 1250 is about 10 times too low.

 

[BillBear]

In the show they say its in the millions.

 

[Arriviste]

In the show they say its in the millions.

That is corroborated by the book.

Speaking of debts, did anyone catch the line when Tywin said that the Lannister gold mines ran dry? That's an odd insertion I don't recall from the books.

 

[Rubidium]

That is corroborated by the book.

Speaking of debts, did anyone catch the line when Tywin said that the Lannister gold mines ran dry? That's an odd insertion I don't recall from the books.

The mines running dry is definitely a change in the show, to give a better explanation for not repaying the Iron Bank than "I'm Cersei and I'm an idiot", which was what the books essentially had.

Part of the problem is that it's not entirely clear what exactly one gold piece represents in-game; 1250 gold pieces could be the equivalent of millions of sovereigns. But given that the Bank was willing to lend them that amount of money in the first place, it can't be an amount that would be utterly impossible to repay for the Iron Throne, or else they wouldn't be throwing good money after bad by

Spoiler

funding an alternate claimant who promises to honor the debt

 

[yezhanquan]

I would think that the initial amount wasn't that big, but the snowballing interest grew the debt to its current level. (I'm not sure, but I don't recall anyone mentioning the loan being serviced at all).

 

[Rambo]

The mines running dry is definitely a change in the show, to give a better explanation for not repaying the Iron Bank than "I'm Cersei and I'm an idiot", which was what the books essentially had.

Part of the problem is that it's not entirely clear what exactly one gold piece represents in-game; 1250 gold pieces could be the equivalent of millions of sovereigns. But given that the Bank was willing to lend them that amount of money in the first place, it can't be an amount that would be utterly impossible to repay for the Iron Throne, or else they wouldn't be throwing good money after bad by

Spoiler

funding an alternate claimant who promises to honor the debt

Probably not the case in the book, but IRL this happens with banks all the time actually. Ever read confessions of an economic hitman?

 

[Rambo]

On that note, it seems to me that the current economic system in CKII is skewed. Troops should be much more expensive IMO. It doesn't make sense that you can send large 50k man armies to war for 40 gold or something a month, but it costs 800 to build a small castle, and 5000 to upgrade to a huge one. If according and RL actually it takes thousands to fight wars, then it should take a hell of a lot more gold to keep levies in the field, especially very large armies.