Debt and Loans

Debt and Loans

Have you ever had so little money that you even had the urge to cheat? Have you ever had more than you could use? Debt and Loan introduces a complete loan mechanism based on character interaction and story loop! Any character* can borrow money from up to 12 other characters! Become your own bank by borrowing money from as many customers as you want, or build a good credit reputation and pay off your debt at low interest rates! Or both! *Except characters from Theocracy, Republic, Nomad or Ram, for balance reasons (the first two characters currently have no heirs directly, but this may change with DLC)

feature

A brand new lending mechanism that allows inheritance of debts and loans and complete freedom of choice from whom to borrow or lend!

Two new roles interact, "Request Loan" and "Provide Loan"

Two new story cycles, one to manage all debts and one to manage all loans

Bankruptcy event chain for characters with low credit scores

How does it work?

There are 12 identical story cycles, one for each of your borrowers: once you acquire a loan, the story is created but remains invisible. It is used to record who the borrower is and how much money they loaned you. You can apply for multiple loans from them! The Positive Story Cycle is equally important: The Credit Story Cycle manages all of your debts, showing all lenders, interest paid each year, credit score and repayment history. Lender Story Cycle manages all your loans and debtors. It is important to keep a record of hidden debts and keep the identity of the lender up to date in case the previous lender dies.

Acknowledgments

Really, I just want to thank n8 for helping me test this mod! His help was crucial in getting this out.

postscript

This mod should be compatible with almost all mods on the market. Of course, like lending from Sauron in the Exile Realms, it has no restrictions. So please use it at your own discretion. But it shouldn't be broken since I haven't changed any of the original files at all. If anyone would like to provide translations or pictures, I'd be happy to accept them. I wouldn't do either of those things myself. I welcome feedback, but please remember that my intention is to be as compatible as possible. So this does limit what I can do (i.e. I won't be integrating vanilla loan mechanics into it). I would very much like to receive bug reports. If you find any dead borrowers or debtors, I want to hear about them.