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Borrow Money from Merchants
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Decisions, Events, Gameplay
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11 Sep, 2020 @ 3:54am
13 Sep, 2020 @ 8:34pm
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shaosc3
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Borrow Money from Merchants

Description
Introducing the “Borrow Money from Merchants” mod! No penalty unless you forgot to pay your loan in 5 years!


This is similar to the “Borrow Money from Jews” Event from CK2. It allows you to:

1. Borrow $300 gold from merchants for 5 years, as a Decision.

2. Within 5 years, you need to pay back $350 gold (loan + interest!) to the merchants, as a Decision.

3. If you don’t pay back the loan in time, a “Default on Loan” event will fire. You’ll get an immediate -100 prestige hit. Additionally, you’ll get a “Still owes money” trait. This trait gives you a -2 Stewardship hit, representing your ability to conduct financial activity in the realm is impaired, since everyone knows your debt is overdue. Bad things will also tend to stress you out a bit more (+30%).

4. Paying back the loan will remove the negative “Still owes money” trait. You can then borrow money from merchants again if you wish.

Credits to Rayzin “Borrow from Jews” mod which inspired me to make this: https://steamhost.cn/steamcommunity_com/sharedfiles/filedetails/?id=2217675803&searchtext=borrow
His mod is closer to CK2 in its “Expel Jews” mechanics and most importantly, applies penalty as soon as you borrow the loan. Feel free to use his mod instead if you like that mechanic.

It's just that as a banker in real life, I don’t think there’s anything wrong with borrowing money, as long as you borrow from the right group of people. So instead of borrowing from the Jews, why not simply just borrow from merchants? Even more, a person should only get penalized after his/her loan is overdue. Hope you like it!

Compatible with existing saved game, and mod can be activated/deactivated at any time.



Updates:
-Now compatible with Lifestyle XP from Skills mod.
Popular Discussions View All (1)
0
23 Oct, 2020 @ 10:10am
Default on Loan event wont fire
Revan
26 Comments
< >
dez 25 Jul, 2024 @ 4:43am 
rename to borrow money from the jews and its 10/10
Excuse me Sir? 12 Feb, 2022 @ 3:51am 
works on 1.5 :steamthumbsup:
Paul 23 Jan, 2022 @ 6:39am 
I want bigger loans, my army costs -21 gold standing
Dallan 3 Oct, 2020 @ 11:02am 
Glad to see this back in the new game! Just so you and anyone else know, there's a bug when using this with Improved Genetics, because the trait you add uses the same index (300) as one of the ones added by that mod.
DC 14 Sep, 2020 @ 10:01pm 
I was thinking only a few points, instead of it giving you less stress make it give you a discount on a feast or hunt lol. Makes ya wana go and party hehe
shaosc3  [author] 14 Sep, 2020 @ 9:40pm 
That's a great suggestion DC. I agree that paying back the loan should reduce stress, but I need to make it so it's not an exploit for players to reduce their existing stress level by taking the loan and paying it back immediately. However I intend to incorporate reduce stress mechanic in the next update. Will also try to experiment with incremental stress levels per year like what you suggested.

It might take a while though. Real life has caught up with me this week so I don't have enough time to play/mod as much I would like to.
DC 14 Sep, 2020 @ 12:53am 
If taking the loan causes stress then when you repay it you should loose a bit more stress then you gained? Ever taken out loans you know what I mean lol.

Would it be possible to have differing amounts cause, differing cost, maybe get stress points incrementally each year as you get closer to that payment date but you loos it all when you pay it off?. Traveling merchant event that allows purchase of exotic items like the "Wolf Cloak" tie the item types to the differing world regions you have them come from?

Sorry for all my questions/ideas.
shaosc3  [author] 13 Sep, 2020 @ 8:35pm 
Hi CrouchingLemur, thanks a lot for the help! This is also very useful to know. I have just updated my mod to what you suggested. I tested it and our mods now work fine together.
shaosc3  [author] 13 Sep, 2020 @ 8:14pm 
@ Marcvsiulius, thank you for the feedback. I will to implement what you mentioned, probably right after I fix the compatibility issue with CrouchingLemur's mod. For now, 30% stress purely comes from the fact one is stressed out because he's carrying overdue debt. Will refine this further in accordance to religion/trait like what you mentioned in the future.
Lemur 13 Sep, 2020 @ 2:39pm 
@shaosc replacing your quartely pulse with this:
quarterly_playable_pulse = {
effect = {
if = {
limit = {
NOT = {
has_character_flag = loanperiod
}
has_character_flag = borrowedmoney
}
trigger_event = {
id = pb.1
}
}
}
}

fixes the problem. I guess your trigger condition affected whether the pulse would fire or not, and not just if your event would fire