I had posted this some expansions earlier, but i guess it's time to address again:
The option to give out loans to other players is ridiculously worthless.
Under Economy actions there has been the option to give a "Loan offer" to other nations, which has been there the whole game, yet it never could be used properly for a couple of reasons.
1. the duration is limited to 25 months - lets say 2 years for measure with the loan you can get from economy tab.
that loan has a duration of 5 years + option to extend the loan.
2. Player Loans cannot ever be extended and they have to be paid back in total. (there is interest, yet this has to be payed back with the original loan, or it will not be payed back at all)
3. Loan offers do not increase inflation afaik, so here might be an incentive to use them, yet it is impossible to loan someone a considerable amount of money (let's assume they want to fight a prolonged war with said money) and expect them to pay it back within 2 years.
The easiest way to fix this would be to have a longer time span possible for your player loans. At the very least 5 years, but given how they work atm, 10years would be more realistic.
And/Or have them paid back like regular loans, which is over time - the very idea why a loan to another player could be a good thing. (steady income is always better to manage than lump sums)
As i said in the beginning this is a multiplayer issue mostly, because the games we play often has people playing small trade nations, which would really like to see the option to increase their wealth through the military players.
The option to give out loans to other players is ridiculously worthless.
Under Economy actions there has been the option to give a "Loan offer" to other nations, which has been there the whole game, yet it never could be used properly for a couple of reasons.
1. the duration is limited to 25 months - lets say 2 years for measure with the loan you can get from economy tab.
that loan has a duration of 5 years + option to extend the loan.
2. Player Loans cannot ever be extended and they have to be paid back in total. (there is interest, yet this has to be payed back with the original loan, or it will not be payed back at all)
3. Loan offers do not increase inflation afaik, so here might be an incentive to use them, yet it is impossible to loan someone a considerable amount of money (let's assume they want to fight a prolonged war with said money) and expect them to pay it back within 2 years.
The easiest way to fix this would be to have a longer time span possible for your player loans. At the very least 5 years, but given how they work atm, 10years would be more realistic.
And/Or have them paid back like regular loans, which is over time - the very idea why a loan to another player could be a good thing. (steady income is always better to manage than lump sums)
As i said in the beginning this is a multiplayer issue mostly, because the games we play often has people playing small trade nations, which would really like to see the option to increase their wealth through the military players.
- 3
