Do Bankers work in HttT?

[OrangeYoshi]

EDIT: I swear in IN you could hire them and reduce interest payments after the fact.

Nope, it's been like this the entire time. I'm surprised people didn't know this already.

When you plan to take a loan, just get a bunch of bankers, take the loan at the low interest rate, then go and get all your old advisors back. It's kind of an exploit, but so be it.

 

[unmerged(199227)]

One more nice things about loans and taking them: If you're expanding nicely, when the loan is due you'll have made more surplus cash than you spent, so think of it as investing in the future.

If you own a ton of low-income provinces and take loans to pay for all of them to have a marketplace, in the year it takes to build them all, you might be making up the difference in no time flat.

Or if you're Byz and you need to get that navy up to speed really quick, you can take loans and port-lock the Ottoman fleet right off the bat. When you're done cleaning up your old cores those loans will seem like small potatoes.

 

[Profane]

I rather just set to full minting until i have built everything i need when i discover important buildings. Oh and only reason you should ever be accumulating money is in preparation for discovering a new building type, if you don't need it then just recruit more units and go conquer something, then you have a bunch of provinces to spend cash on :rofl:

I hate Loans most of all things, i have even reloaded when i accidentally take a loan during tight times in december :S

 

[unmerged(199227)]

I rather just set to full minting until i have built everything i need when i discover important buildings. Oh and only reason you should ever be accumulating money is in preparation for discovering a new building type, if you don't need it then just recruit more units and go conquer something, then you have a bunch of provinces to spend cash on :rofl:

I hate Loans most of all things, i have even reloaded when i accidentally take a loan during tight times in december :S

Not every country can even make a profit minting, and the first 50 years or so are just spent consolidating and fighting inflation. Try playing Georgia sometime, or an Indian nation. Or any nation who's primary goal is to be up to snuff when the Europeans arrive.

But that's the WC philosophy towards the game - stretching the limits of infamy, WE and RR, then defending your blob internally with military might.

It's totally different than the people who play front warfare and try to stay stable. I personally feel like I'm leading a doomed nation when my inflation gets over 10%. And it's no fun when you're a giant with no competition.