Loans
The game bank is the only lender. The node bank opens its three loans.
The loans
Section titled The loans| Loan | Amount | Interest | That is |
|---|---|---|---|
| Small loan | €10,000 | 0.2%/day | €20/day |
| Business loan | €50,000 | 0.15%/day | €75/day |
| Investment loan | €200,000 | 0.1%/day | €200/day |
A larger loan costs less per euro.
Rules
Section titled Rules- How much. Your net worth is your credit line. A loan must fit into it.
- How many. 5 open loans at most, 7 with the node credit line.
- Interest. Charged per loan at each settlement. The rate of a loan is fixed on the day you take it. Credit line takes 20% off the interest of every open loan.
- Paying back. You pay a loan back in full, at any time.
Buying with a loan lowers your net worth, because a site or a vehicle counts for half its price. So borrowing limits itself.
When to borrow
Section titled When to borrowA loan pays off when what you buy with it earns more per day than the interest. A vehicle on a route that sells every load usually does. Check the estimate of the route editor first.
No loan is called in, and nothing is taken from you. A company without cash stands at its cash floor until a sale lifts it.