debt

[unmerged(8399)]

I think that the debt system is very bad in EU2, states should have a debt limit according to their income, not everybody should be able to raise the same ammount of money. Besides, bankrupt should not be that easy. IMO estates should be allowed to get heavily indebted and that have a very detremental effect on economy

 

[Nikolai]

You know, governmental debt is the rule, not the exception.

 

[unmerged(2456)]

Except in EU2 by a player.

And also as of EU21.08 (i belive that version) amount you can go into debt is based on your economy, with a minimum of being able to take out 1 loan.

 

[th3freakie]

How about if you could/had to ask money to other countries in these situations? Hell, me, Savoy, may have got into a huge debt during my war with Genova, but if my friend France is willing to help...

 

[Nikolai]

Then we better implement the Fuggers et al too I guess...

 

[pdubz]

Why not have it so loans can be repaid when you can afford it? Also, gifts didn't seem to work in EU2.

 

[curtis]

Why not have it so loans can be repaid when you can afford it? Also, gifts didn't seem to work in EU2.

The state gifts work fine in my games. I send the money to allies during wartime and see them instantly start building troops with the money.

 

[Fiftypence]

Why not have it so loans can be repaid when you can afford it?

I agree with this, definitely.

 

[tonythetiger]

Why not have it so loans can be repaid when you can afford it? .

I wish this is the case in EU3

 

[Nikolai]

Indeed a good idea. I hated to wait five years, having the money, and often forget it and not having the money after those years.

 

[curtis]

I'm assuming you guys still mean that the debt still must be repaid within 5 years, not in 5 years. If that's the case I wholeheartedly agree. Otherwise, the idea of "pay back when you can" will be abused and I will be the first to do so

 

[th3freakie]

I'm assuming you guys still mean that the debt still must be repaid within 5 years, not in 5 years. If that's the case I wholeheartedly agree. Otherwise, the idea of "pay back when you can" will be abused and I will be the first to do so

That is the idea yeah, but now that you mention it, it's also imaginable to have a system where the interest just gets higher and higher with time, although you'll only have to pay when you want.

 

[curtis]

That is the idea yeah, but now that you mention it, it's also imaginable to have a system where the interest just gets higher and higher with time, although you'll only have to pay when you want.

I can still see that being abused. My solution: have a credit rating system like in Railroad Tycoon. If your rating falls below a certain amount, no more loans for you until you begin paying back old loans.

 

[th3freakie]

I can still see that being abused. My solution: have a credit rating system like in Railroad Tycoon. If your rating falls below a certain amount, no more loans for you until you begin paying back old loans.

Makes sence actualy. Could be combined with my idea of other countries doing the loaning - better relations helping your credit rating (caped of course)

 

[unmerged(57842)]

IMO i would like to see some kind of mortgage-system when loaning money you guarantee your loan with one of your provinces and if you don't pay your debt the evil banker takes your province. This will naturally result in loss of stablity or even revolt.

 

[JoeGiavani]

IMO i would like to see some kind of mortgage-system when loaning money you guarantee your loan with one of your provinces and if you don't pay your debt the evil banker takes your province. This will naturally result in loss of stablity or even revolt.

That just wouldn't happen.
Ever.
What would be nice though, is a credit rating based on income of provinces, manufacteries etc.