| Author | A loan System |
|---|
| i think the idea of bank is very nice as the player could install some money in bank and could keep as much money as he/she wants to keep with them so if by chance they got loss of some money of the got penalty they can use the mo9ney installed in banks |
Sounds so easy to abuse...
1. Create dozens of multis
2. Take a LOT of loan with all of them
3. Send gold to main
4. Multis get penalty
also when a loan taken from bank it will block all/any type of transfers
so player(s) cant transfer gold to other by taking loans from banks
if we apply it..then there will be no transfers..so no illegal :s |
| +1 |
or
the money taken should have a specific date to return if not they have to give double of the money taken and after 3 reminder/warning the penalty should b imposed of the same amount taken from bank |
| i have a better idea that players can loan players but when they send there shud time limit n at that time the money shud be automatically returned and if that player does'nt have money his money can go in minus but the other person will get his money back |
+1
2. after one payed back loan no more within half year
why?? |
| so why don't we open a bank? By create more admin character to giving loan and keeping everyone money!!!!!!! If people taking money for loan they must to pay back more than they take and if they giving money for saving they will take more than they give. Just like bank system in real live, isn't it??????? That will be a great idea for some body need money!!!!!!!!! |
| if loan can't not pay back they will be penalty on exp or minus their money or limit their action. |
if loan can't not pay back they will be penalty on exp
No penalty on exp. Many players (including myself) would like that. |
for syrian:
because then everybody feels i need money then i go to Empire. I think that would be optional for hard situations (for eample repairing in event, enchant or buying something).
Empire should use % also :) |
for barathum123:
no penalty on exps. this is why i wrote penalty should be loan * 1,5 and don't care how much i have already payed back. then everybody will think twice i need it or not and how much.
just think about in case of combat lvl * 20000.
meaning on my lvl 13 * 20000 = 260.000 golds. if i don't pay back in time then my penalty would be 390.000 golds! i think nobody wants this risk. |
I agree with all of you and this is excellent and i would love it dont get me wrong!!
There is only one reason y the admin dont do this!! The whole point of this game is to make ur own gold and try to go through lvls on ur own and face difficulties and have friends to help you!! But what you are saying if basically to imbalance the game!! cause everyone will get it and everyone will have money and so on so that is way to big of a help!! |
| but in some situation they need to lend it and transfer system will be gone,not market... so Illegal can't be done... In some situation like people who had been hacked by somebody want to play beta but don't want to create account or people who's have lot of gold minus or people want to start playing with out roulette but they didn't have money. About loan system i think that we just limit loan time in 1 year and each month you must to pay 1%-5% of loan. then if in 1 year don't pay back first warn them (maybe they are forget) then next day will take their money by 1.5 time of loan....... |
i had already created such a topic before
but now what i feel is this can't be applied
first Q. why do u take a loan?
A:to buy something which is most desired to u & which u cannot afford it(of course from the shop or by transfers between two players)
even if u stop all the transfers after u take a loan
still there is a way
suppose X is the main acc. n Y is his multi
so X will post a wooden sword or 100k n Y will buy it
hence money is transferred.
these players will be punished for sure
but this will be a big burden to the admins. |
| it is illegal adready!!!!!!!!!! i just said that there are less not no illegal |
+1
the interest rates could by maximum only be 5% otherwise people would abuse it
tax rate at like 6% if u take out loan
A maximum amount of gold for each character lv to put in. |
| -1 to all that prevent selling items in market, roulette-ing tarvern bettings and etc... Because if you ban them from doing these things, how do they seriously earn money? By wasting 1% of the loan and keep losing 1% of the loan untill they bankrupt, so it's always very complicated when admins want to create something. |
| +1 if they betting roulette there are 2 situation can it be. First, if they win there is nothing to say they will repay it instantly. If they lose they will be punish on their failure |
+1
However, what with all the restrictions needed, this will be a difficult feature to implement. What with roulette addicts and stuff, it's gonna be pretty hard to create and maintain this feature. I think the cap should be smaller. |
-1
if this is introduced.. the number of people use diamond will be reduced.. empire sure dont like that. this will be never implement.. |
