I would really like some indicator of when those silly merchants will be wanting their gold back, and if I should spend money on my economy or be saving.
Patch Feature Request: loan timer
- Thread starter tormos
- Start date
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How about not getting to the point where you need to borrow in the first place? I've seen moneylender events only as an Islamic ruler, but I'm pretty sure the interest rate for Christian rulers are also sky-high.
You should be keeping a 250 gold reserve anyway, but it would be a good idea to have a timer so that you can remember you have to pay up eventually.
Now sure if it would be fitting: wasn't the big problem for loaners of the age the fact that they could do absolutely nothing if a monarch decided to never return the loan?
I love the replies here. Pointless, unhelpful, rude.
I for one support the OP. With alerts all over the place, a loan alert would be nice. Kinda like the truce timer.
I for one support the OP. With alerts all over the place, a loan alert would be nice. Kinda like the truce timer.
Do you realise how incredibly unconstructive and useless your reply was? If not, please refrain from posting in suggestion threads in the future.
I'd never needed a loan until the other day in my game as the Duke of Capua. I was attacked in a holy war by a muslim realm and they all piled in against me, although the HRE and other joined on my side they were too slow getting down to me and the warscore was -60%, so I hired some mercenaries using my 500 gold and used them to defeat the muslim army. Although I had some cash left it ran out pretty quickly and I was expecting the mercs to desert me when I had the loan event, so I took the loan and managed to pay the mercs for a few months more. The HRE came along just in time and took over the war and I could disband the mercs, but without the loan I would have lost Sicily. The loan repayment took me by surprise a few years later because I hadn't kept track of the dates, so a timer would have been helpful.
Well, paying back money with interest is not very wise now, is it? Better to plan on not getting into debt, although I agree that nyah's situation is not uncommon.
As I never borrowed before, what are the options when the moneylenders come knocking? As someone already said, in this era, the advantage was indeed on the borrower's side, particularly if the borrower is powerful.
Somebody better tell all the governments, economists, and businesses in the world.
Besides, it's 200 gold over 5 years with 50 gold in interest. That's a non-cumulative interest rate of 5% per year. Seems reasonable to me.
Playing as the Fatimids once, I think I saw something similar. Your interest was 50 gold because of high Stewardship (50/200= 25%; I reckon compound interest wasn't around then), right? I saw one with a 50% interest (which I reckon will be 100 gold?)
You always borrow 200 gold. Depending on your stewardship you pay 25 or 50% on that.
then again I tend to castrate and maim the moneylenders if I ever get them.
But yes a timer would be nice, so you can see when your payment is due.
then again I tend to castrate and maim the moneylenders if I ever get them.
But yes a timer would be nice, so you can see when your payment is due.
Sometimes you'll get the manufactured Duchy-Level claim event you wanted when you only have like 600 gold, and you need to pay almost twice that. Given that said manufactured claim will then allow you to launch an Invasion of your friendly Genoese Blob and then allow you to keep the Doge as a vassal lord-mayor who can then be banished for his piles of cash... yeah, cost-benefit 
Personally once I get the moneylender event, I try to not spend anything but the minimum until I pay them back; maybe begin building something or the other if your yearly income is sufficient.
Personally once I get the moneylender event, I try to not spend anything but the minimum until I pay them back; maybe begin building something or the other if your yearly income is sufficient.
To answer the OP, keep at least 300 gold in the bank (in case you can't remember how much you need to pay). In early ages, you do need some time to accumulate 300 gold. In later ages, gold income is such that you are really unlikely to hit negative.
(Off-topic) I presume, with your banishment plans, tyranny is not an issue to you?
(Off-topic) I presume, with your banishment plans, tyranny is not an issue to you?
No, this is NOT an answer. He didnt ask for your opinion on how to manage his finances. There are endless scenarios where having 300g in your bank is not an option. And sometimes it's not even in your hands, f.e. when one of your cortiers with a debt dies. That debt transfers to you.
There is no sensible argument against such a timer, especially the "don't borrow money in the first place, shmock" argument.
Well, there may not be a sensible argument, but PI still hasn't done it, and I didn't mean that as an argument, either. From 14 Feb 2012 to now: 10 months (and counting. I assumed that the moneylenders event was in from the original.) Maybe, in this next DLC, debts get expanded upon (since it's all about the money) and we'll get the timer?
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Yeah, it would be fitting to have moneylenders expanded on in The Republic. Patricians are no real nobles, just glorified moneylenders.
Off topic a little, but has anyone figured out why sometimes you have to pay back the money, while at other times you can just castrate the money lenders? Guessing it's based on ruler traits?
To the OP yes I think it is a great idea.
To all the others who personally know the one true way to play the game.
Yes each of you is 100% correct.
Yes even the mutually exclusive ones.
Yes we want to know your theories rather than the answer to our questions.
To all the others who personally know the one true way to play the game.
Yes each of you is 100% correct.
Yes even the mutually exclusive ones.
Yes we want to know your theories rather than the answer to our questions.
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No, it is not an answer. It is as much of an answer as "Don't play CK2, problem solved" to any gameplay-related question.