Problems Taking Multiple Loans

[Sam Gamgee]

Hi,

Been following the forum for the last 3 months or so - I'm pretty sure this is the right place for posting bugs for the betas, if not please let me know.

I'm playing 1.07 w/ the July 23rd beta, clean install.

This is first beta I've run.

The problem I'm having is that when I take a loan, and it comes time to pay or extend the loan (5 yrs later), If I choose 'extend loan' I can no longer take any new loans.

Example:

Playing Muscovy, I take a loan Feb 1, 1419. Feb 1, 1424 comes around. I have no money, so I must extend the loan. After choosing the 'extend' option, I need some cash, so I go to the financial window, and try and take a loan. The 'Take a Loan' window now is blanked out, and hovering the pointer gives the message 'you cannot have more than 5 loans'. If however, I have no money and cannot pay my monthly upkeep (for armies, fleets and interest) then the I still get the 'Out of Money' auto-loan, and bankruptcy happens as normal (after extending the same loan 5 times).

Other info:

1) This has happened to me w/ Muscovy, Novgorod, and Byzantium GC. It has happend from save games and starting brand new to intentionally get this problem.

2) I can take several loans, up until the time I have to pay back the first loan, then I can no longer take any more loans.

3) I have my message settings set to pause every time I take an auto-loan, so I know I am not taking loans and not noticing.

4) It doesn't seem to matter if I'm at peace or at war.

I hope this is enough info. Thanks, and this is an awesome support site btw!

 

[Peter Ebbesen]

Under the new loan system (July 23rd beta), you cannot take more than two loans voluntarily unless your economy can support paying the interest (which then determines the maximum number of loans you can voluntarily take). When you extend a loan the interest rate goes up, thus increasing your interest payments and potentially limiting the number of loans you can take.

Ignore the "5 loans" information, it is old text that has not been updated.

In other words, you are dirt poor, have taken the maximum number of voluntary loans that your credit rating supports, and are - as a result - no longer credit worthy and likely headed for bankruptcy (unless you beat up some neighbour and force them to pay a significant tribute)

 

[Sam Gamgee]

Thanks, Peter. I was aware of the tweaking of loan interst rates, but didn't realize that it affected the number of loans I could take in total. !!