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Mar 28, 2001
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Has anyone figured out a way to make loaning Ducats to other states less cumbersome? It would be nice to make one 100 Ducat loan at 10% instead of 10 10 Ducat loans at 10%.

The strategy is so worthwhile for a poor country like Portugal, that I don't want to give it up - but, pausing the game to dish out ten minutes of loans is detracting from the fun.

How effective is the strategy? Not only do you fill your coffers up with Ducats, but you quickly turn the debtor countries into your employees. For example, as Portugal, my primary target for debtor is always Spain. In my current GC, I couldn't get Spain to bite on a 10% loan, so I sent my money elsewhere. Meanwhile, Spain was launching colonist after colonist into the new world at a rate that I couldn't ever hope to match. Finally, after about fifteen years, Spain bit on a 10% loan. I've plied them with about 700 Ducants worth of loans - Portugal thrives off the interest. Also, Spain has stopped launching colonists, and their army is in shambles. Moreoever, they are not in any war. Coincidence? I don't think so. I think they're so busy paying off the loan, that they can't afford to buy anything else.

Great strategy - once again Thanks to Petrus for first reporting on this feature. Now, I wish there was a way to make the whole process less annoying.
 

dralizaar

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personally i cant wait till they fix the bug that allows loans without expending diplomats like its supposed to :) it should take a diplomate and be a spread out effort..if one doesnt use diplomats for war and such then one can stay neutral and be banker etc

but no last i heard there is no change in future for size of loans..your relationship and their economy is all that affects the siuze they will accept..if spain cant do it try england..if she hasnt fallen into shambles early she has a fairly strong late game....France is also a good target being rich to start off with...then of course you could always build up reltaions with china :) lol
 

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It's strange that you have to use diplomats to execute loans. In my version (US, with the current patch), I need a diplomat to engage in financial relations, but do not expend my diplomat by executing the loan.

I wonder what accounts for the differences.
 

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Coincidence? I don't think so. I think they're so busy paying off the loan, that they can't afford to buy anything else.

I've noticed debtor nations undergoing a rebuilding period after I grant them loans. I have said it before, I will say it again: the banking strategy is a crucial historical element of the EU period. It is esp. important for small nations, and for players who grow tired of CIV II styled world conquest. The loan system is not a cheat.

As far as streamlining the process, there is no "easy" method. Not unless the AI is changed to accept rational loans or the computer remembers the terms of the last loan offered.
 

hjarg

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Originally posted by Major Minion

Finally, after about fifteen years, Spain bit on a 10% loan. I've plied them with about 700 Ducants worth of loans - Portugal thrives off the interest. Also, Spain has stopped launching colonists, and their army is in shambles. Moreoever, they are not in any war. Coincidence? I don't think so. I think they're so busy paying off the loan, that they can't afford to buy anything else.

Isn't it a bit unfair strategy, don't you think? I personally think of it as cheating and never do that. Besides, you can win the game without them.

You are a grey eminence, not a banker anyway.
 

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Originally posted by PatMaster
Cheating?
The Templars made big cash doing the exact same thing IRL. Nobody accused them of cheating. But then they got crushed by the French king because they was so powerful anyway :D

True, it's not cheating-but it's still not a strategy I can be bothered to use. I got extremely bored the one time I tried it!:D
 

hjarg

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Originally posted by PatMaster
Cheating?
The Templars made big cash doing the exact same thing IRL. Nobody accused them of cheating. But then they got crushed by the French king because they was so powerful anyway :D

Well, that's not exactly the same time, isn't it? Was it 1312 when Philippe burned de Molnay and took his treasury? After that, almoust all nations have monetary problems of their own, and were not interested in giving money away.

But Agelastus is right- it's really bothersome to make 70 10 ducat loans. Yawn. Tried it once as well.
 

Licou

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K, this may sound off topic a little bit.

How can i use this strategy? I need good relation i think. And then i tried it, but they don t want to take the loan.

What do i have to do? 10 ducat at 10 % but for how much time?

Thanks for the answer.
 

hjarg

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Originally posted by BiB
If u ever need to find another thread the search function at the top of ur page really works well.

I bet that came as a suprise to most of you :)