Loan Master

Titheka - Lost City
Titheka - Lost City Posts: 21 Arc User
edited July 2009 in Suggestion Box
I think it would be cool to have a npc where you can get loans but u must repay it in 20 days. You could get a loan of like 100k to add on to your savings for a mount or what not. But you can't take out more than one loan a day and it can't be over 100k unless you pay 1 gold. So when you take out the loan you don't get it immediatley it gets mailed to you 20 minutes after you purchase your loan.
Btw If you don't like the idead don't give me **** about it and just say no i don't think its a good idea ok? I don't have time for bad attitudes and irritating remarks.b:angry
Post edited by Titheka - Lost City on

Comments

  • Teh_fishey - Dreamweaver
    Teh_fishey - Dreamweaver Posts: 552 Arc User
    edited July 2009
    actually kinda a good idea

    something to consider, might need a little modification but it would be really helpful
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  • BedOfZasors - Heavens Tear
    BedOfZasors - Heavens Tear Posts: 7 Arc User
    edited July 2009
    it'd be cool, but what would you say would happen if it isnt repayed?
  • FatherTed - Dreamweaver
    FatherTed - Dreamweaver Posts: 3,723 Arc User
    edited July 2009
    What's to stop someone from borrowing 100k a day for 20 days on a mule account and mailing the money to their main?

    Can't force someone to pay it back if the loan was taken on a mule account.
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  • Notbad - Heavens Tear
    Notbad - Heavens Tear Posts: 374 Arc User
    edited July 2009
    FatherTed - Dreamweaver wrote: »
    What's to stop someone from borrowing 100k a day for 20 days on a mule account and mailing the money to their main?

    Can't force someone to pay it back if the loan was taken on a mule account.

    i would do that since i'm poor 24/7
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  • Zoe - Heavens Tear
    Zoe - Heavens Tear Posts: 3,814 Arc User
    edited July 2009
    Level restrictions to help avoid abuse.
    Main characters
    Celestial Sage Venomancer Zoe - 100
    Sage Barbarian Malego - 91
  • Mothergoose - Sanctuary
    Mothergoose - Sanctuary Posts: 1,320 Arc User
    edited July 2009
    If you're late on payment, you lose 10 levels per day...b:chuckle
  • Ebrithiill - Lost City
    Ebrithiill - Lost City Posts: 66 Arc User
    edited July 2009
    lol this is a good idea but will probably very happen. the reason why is because its human nature (most of us at least) to want something you cant afford. For example, many people spend money on the game because there too impatient to wait till they are high level to make the money and then be able to afford things. VERY few people actually dont spend a dime on the game. If a loan system comes into the game, then no need to spend money on the game to get whatever your impatient for. This is a good idea though. I would be able to get a herc for my veno and get enough money to pay them back, instead of paying some of the money of with real life money like i was planning. b:pleased
  • Neelkant - Heavens Tear
    Neelkant - Heavens Tear Posts: 15 Arc User
    edited July 2009
    This is a very good idea and i think that some day it will be in the game.
    But i would like to add my ideas.
    -The level at which u can get a loan has 2 be at least 30 becuase people rech 20 way 2 easily.
    -how much money u can borrow increases by like every 10 levels or something
    -if u dont pay the amount u took back in 20 days ull get a 10 day notice period (an extension of 10 days) but for each extra day you take in the ten days the money you have to pay back increases by a part of the loan that u took
    -if you still dont return the money u get a final notice of 10 days
    after the 10 days are over your 10 costliest items will be taken away 2 pay back your interest, u will lose xp equivelant 2 the amount of interest u had 2 pay and for however long it takes everyday atleast 5% of the amount u took will be taken from you and it will stop when u pay back the or lose full amount.
    -also in the botique there should be and item that resets your loan
    -once you get the final notice to return your loan u cannot trade or drop or buy(again) ur 10 costliest items untill they are removed from ur account or u pay back the loan

    zoe te only thing dont think is a good idea is being able 2 take a loan everday but the rest is very good
  • abcyang
    abcyang Posts: 0 Arc User
    edited July 2009
    .....you don't get a loan of money. Get a credit note, which might look like a charm which attaches to whatever you buy. That way, with mule accounts, the credit note can have an expiry on it so it doesn;t matter who has it, if it isn't paid off, it expires............
  • Neelkant - Heavens Tear
    Neelkant - Heavens Tear Posts: 15 Arc User
    edited July 2009
    abcyang wrote: »
    .....you don't get a loan of money. Get a credit note, which might look like a charm which attaches to whatever you buy. That way, with mule accounts, the credit note can have an expiry on it so it doesn;t matter who has it, if it isn't paid off, it expires............

    thats not a bad idea either

    but theres only one problem: wat if the person buys more then one thing with it??
  • Lessein - Sanctuary
    Lessein - Sanctuary Posts: 152 Arc User
    edited July 2009
    good in theory bad in practise.
    the "mule account" problem was suggested before, and the problem of penalties has also been suggested.

    Maybe negative money? so it gets taken off you in 1 month regardless, and you have to earn it back if you ever wonna buy something.
    Maybe you shouldnt be able to take out money if you have negative money?

    But then the mule account problem has already been suggested. Level cap of like 50? that'd sort it.

    But it's allot of work, i dont think it'll happen if im honest.

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