Yeah, I can't imagine what you were thinking with that one. Let Sweden and Denmark bloody each other, then smash Sweden when they're softened.
How many Loans have you needed?
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Yeah, I can't imagine what you were thinking with that one. Let Sweden and Denmark bloody each other, then smash Sweden when they're softened.
Totally worth it, you can usually pay most or at least a good chunk of it from war reparations.
Went bankrupt as Ireland once. Stupid Castille took over the warleader and, since I was the wargoal, I couldn't make peace. Had to sit there with all of my provinces occupied while Castille just farted around getting its navies destroyed for like two years.
Things like that baffle me a lot. You beat your enemy to a pulp and yet somehow they can still field a large army and have plenty of ships to blockade your ports all the while you're stomping over their provinces.
In times like this, I could swear the AI is trolling you.
As a player in charge of a war, you can usually recognize pretty fast if a war can only go south for you. With that in mind, I'll usually be happy to offer concessions early on before my army and manpower are both gone and I'm being carpet sieged because the AI will be more willing to listen to lesser concessions when it still has to actually beat you. Once you're beaten, then there's nothing stopping them from pressing further and for more.
Enter the AI becoming war leader against an enemy it has absolutely no chance to beat. Recently had a situation where Denmark called Poland in a war who in turn called me (Hannover) into the war against Sweden and Great Britain. Denmark got squished, with the naval superiorityon the enemy side there wasn't any realistic way to get to Sweden, Poland didn't actually seem like it wanted to march over to the fighting...
Leaving me getting overrun by the Swedes and their massive discipline and duo of five and six shock generals. It's like "Poland, c'mon guys, there's zero chance we win this thing. Stop being dicks and just give Sweden what they want."
Given that even decades later we still have close ties, I don't think it was a purposeful "sabotage our allies" move on Poland's part: they were just too dumb to realize that with every passing month Sweden was expecting to get more and more out of the war and Poland's strongest ally (me) was taking a serious beating which in no way actually benefits Poland.
I was playing as the japanese daimyo Ouchi and bankrupted myself while trying to win independence from japan. I won but the state was in tatters.
When i was playing as ragrusa i had to take up to 39-40 loans to take over the balkans.
This. So much.
My stringiness has lost me many a game (because I'd rather risk a terrible, disastrous war than take out a loan and stock up on mercs.)
I went bankrupt as Byzantium and Wallachia at least once. Maxed out the loans, had probably 100 or so.
Now that I have played EU 4 more, I think you probably don't need as many loans.
But if you're playing nations with bad starting positions in Ironman, you usually have 2 choices: make loans and get as many mercenaries/ships or die.
So you get all the loans you can without killing your economy.
As bigger countries I probably had a maximum of 20 or so during major wars that went downhill - for example when an unexpected ally of the target joined or when another country declared war during another war. Especially during "predatory wars" i.e. nations dog piling you during a moment of weakness. And during those moments you really wish you have a good economy, plenty of mercenaries and hopefully either military national ideas or idea groups.
Now that I have played EU 4 more, I think you probably don't need as many loans.
But if you're playing nations with bad starting positions in Ironman, you usually have 2 choices: make loans and get as many mercenaries/ships or die.
So you get all the loans you can without killing your economy.
As bigger countries I probably had a maximum of 20 or so during major wars that went downhill - for example when an unexpected ally of the target joined or when another country declared war during another war. Especially during "predatory wars" i.e. nations dog piling you during a moment of weakness. And during those moments you really wish you have a good economy, plenty of mercenaries and hopefully either military national ideas or idea groups.
Was it worth it for freedom? Yes. Paid them back in just a few years. Oh, and once free from Denmark, they offered me an alliance which caused Sweden to seemingly give up hope for freedom. They never did start that fight, at least as far as I went because of the reason below.
My goal was to colonize the new world from the north, dump all possessions in Europe and move my capitol overseas to play as the colony, but I found I could not divest myself of Old Norway through sales, wars or forming/releasing vassals. Nobody wanted my territory, refused to take it in war settlement and I couldn't even give it away, except for the Orkneys. So in the end, I was eventually defeated by the game construct. There ought to be an Abdicate Throne option. Edward VIII did it, so why can't I.
My goal was to colonize the new world from the north, dump all possessions in Europe and move my capitol overseas to play as the colony, but I found I could not divest myself of Old Norway through sales, wars or forming/releasing vassals. Nobody wanted my territory, refused to take it in war settlement and I couldn't even give it away, except for the Orkneys. So in the end, I was eventually defeated by the game construct. There ought to be an Abdicate Throne option. Edward VIII did it, so why can't I.
I used 25 loans of 800 gold
Have to build circa 35 manufacturies for my Spanish Empire, plus maintain the three level 3 advisors. I still have the manufacturies unfinished, so I hope that the 60 gold per month of interest that I`m currently paying is offset by the improved revenue of the factories
Have to build circa 35 manufacturies for my Spanish Empire, plus maintain the three level 3 advisors. I still have the manufacturies unfinished, so I hope that the 60 gold per month of interest that I`m currently paying is offset by the improved revenue of the factories
You paid a lot of ducats for those.
But relative to your scale, that's nothing.
100 x 2 ducats loans are the real (killer) deal. Or 100 x 11 ducats.
It was 2.5% because he only took 25 loans. Duh? So 75 adm or 50 with bonus to pay it down then he had 0.5% which could easily be countered by ideas or advisors.
I've taken up to 80 loans of various sizes. And sometimes I take large loans to pay off small loans after I gain land. I took tons of loans in my Polish game that is currently in about 1650. I've paid them all off now. I've never once gone bankrupt and I take loans as basically every nation.
I've taken up to 80 loans of various sizes. And sometimes I take large loans to pay off small loans after I gain land. I took tons of loans in my Polish game that is currently in about 1650. I've paid them all off now. I've never once gone bankrupt and I take loans as basically every nation.
In addition they removed the EU3 mechanic of each additional loan having a higher interest rate and going with a flat rate regardless of already having loans. So if you take 100 5 ducat loans and repay 20 in five years but can take loans of 10 ducats now you can reduce the inflation hit from 8 points to 4 at rollover at a cost of over a hundred mouse clicks. At least if they are going to allow this they should make it automatic?
Fighting for independence as a modded in Iceland took ~200-300 loans. I had to hire 3k regulars and 4k mercs to keep Scandinavians off the shore and with two 1 base tax provinces with horrible trade you get 1g ea loans.
I typically only ever "take" a loan when I have just spent all my money on something and an event forces me to spend money I now do not have.
I have never willingly taken a loan. Every war I have ever found myself in, I somehow manage to win or at least white peace it out within my own means.
I have never willingly taken a loan. Every war I have ever found myself in, I somehow manage to win or at least white peace it out within my own means.