Currently I think that the loans system needs a rework.
As it is, if one wants to pay off a loan they must postpone all other activities involving money (buildings for example) in order to save up enough money to pay off the loan which just adds another barrier to "building tall".
The change I would propose would be a slider, similar to maintenance, that would change how much money you want to allocate to paying off loans each month. The less money being used to pay off loans then the more negative penalties like inflation or prestige decay are inflicted. With this system the loans would tick down to 0 each month and the pay off in bulk would no longer exist.
As it is, if one wants to pay off a loan they must postpone all other activities involving money (buildings for example) in order to save up enough money to pay off the loan which just adds another barrier to "building tall".
The change I would propose would be a slider, similar to maintenance, that would change how much money you want to allocate to paying off loans each month. The less money being used to pay off loans then the more negative penalties like inflation or prestige decay are inflicted. With this system the loans would tick down to 0 each month and the pay off in bulk would no longer exist.
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