Bank loan

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Bank loan

Post by Tom Stall on Thu May 26, 2011 6:40 pm

Alright, so I would like to suggest that we would be able to loan from bank.

Maxium $1000 and it would take $100 from each payday before it's paid. And you could loan again only after you have paid your last loan back. This would be good add to server in my opinion.
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Re: Bank loan

Post by Kevin Alymer on Thu May 26, 2011 6:43 pm

Pretty good suggestion, and not a bad idea. Would be nice to have it in game as it's more original than borrowing money from random players
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Re: Bank loan

Post by Aaron_Lee on Thu May 26, 2011 6:50 pm

This is a very useful idea...
Because kyol just borrowed money for a vehicle repair, dunno how it happened cause hs is such a great driver .......right?
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So yeah, Good Idea if you car breaks and your broke.

/support

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Re: Bank loan

Post by Tom Stall on Thu May 26, 2011 6:52 pm

Aaron_Lee wrote:This is a very useful idea...
Because kyol just borrowed money for a vehicle repair, dunno how it happened cause hs is such a great driver .......right?
[You must be registered and logged in to see this link.]

So yeah, Good Idea if you car breaks and your broke.

/support

You just posted SS of Kieran abusing IC chat.
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Re: Bank loan

Post by Simon Bourne on Thu May 26, 2011 6:59 pm

You can either do this when its a command or ask a person you trust ICly for money and wait for an answer.
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Re: Bank loan

Post by Tanya Smith on Thu May 26, 2011 6:59 pm

Well I think there should be system like this, but simplier one. Like:

-You could only loan when your balance is 0
-If you loan 1000 from the bank your bank balance goes to - 1000
-When you recieve your paycheck let's say it's 220, it adds to balance and sums - 780
-At that rate, players could deposit money from hand increasing the balance more quicker and getting rid of loan quicker then 10 paychecks (if you get 1k).

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Re: Bank loan

Post by Tom Stall on Thu May 26, 2011 7:02 pm

No, then you couldn't get any money in paydays when you have loaned. Like you want to loan for new vehicle or house it would be nice that you can actually get the money and pay $100 from each paycheck. And $1000 limit because it would be abused otherwise. Like someone loans 1M and he can't pay it back ever..
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Re: Bank loan

Post by Victor_Jankowski on Thu May 26, 2011 7:07 pm

Mia wrote:Well I think there should be system like this, but simplier one. Like:

-You could only loan when your balance is 0
-If you loan 1000 from the bank your bank balance goes to - 1000
-When you recieve your paycheck let's say it's 220, it adds to balance and sums - 780
-At that rate, players could deposit money from hand increasing the balance more quicker and getting rid of loan quicker then 10 paychecks (if you get 1k).

I agree with Mia...
And the 1k maximum idea , that's good too.
Although this might open a door for new bugs, it's a cool idea.
Arnold, Peter? Give us your opinions.

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Re: Bank loan

Post by CartelZz on Thu May 26, 2011 7:43 pm

I have to disagree with Mia,because i think if it get's every payday to pay up the loan,there is no point in getting a loan,the original idea i think is better and it's gonna be pretty useful.
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Re: Bank loan

Post by Kenneth Sullivan on Thu May 26, 2011 8:39 pm

Well I'm not totally agreed with Mia's or Webb's idea of how this Loan suggestion should be working out. Although I agree fully with the idea in this suggestion. It would really be bringing a more realistic way of getting money than Advertising wanting a loan in public, then having random strangers offer you one. And in both Mia and Webb's idea of the system, the loan would be payed either way and wouldn't have any chances of not paying it back.

And yes, I've scripted before for some other Server, and I have to say that making this system will be bringing bugs in place as Victor said. But bugs can always be fixed, so there's no reason to not approve this suggestion for reasons like having bugs. Or the money can be refunded if reported on the Forums with SS'es or Fraps as proof. But nice suggestion by the way.
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Re: Bank loan

Post by Kyol Daniels on Thu May 26, 2011 9:04 pm

Webb wrote:
Aaron_Lee wrote:This is a very useful idea...
Because kyol just borrowed money for a vehicle repair, dunno how it happened cause hs is such a great driver .......right?
[You must be registered and logged in to see this link.]

So yeah, Good Idea if you car breaks and your broke.

/support

You just posted SS of Kieran abusing IC chat.
You'll notice i'm on aduty.
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Re: Bank loan

Post by Tom Stall on Thu May 26, 2011 9:16 pm

Kyol wrote:
Webb wrote:
Aaron_Lee wrote:This is a very useful idea...
Because kyol just borrowed money for a vehicle repair, dunno how it happened cause hs is such a great driver .......right?
[You must be registered and logged in to see this link.]

So yeah, Good Idea if you car breaks and your broke.

/support

You just posted SS of Kieran abusing IC chat.
You'll notice i'm on aduty.

So what? It isn't giving you a right to abuse IC chat like that.
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Re: Bank loan

Post by Guest on Fri May 27, 2011 3:54 am

Imagine this would happen :

*Aaron borrowed 1k from the bank
*Aaron keep it in his house (/housedeposit)
*Aaron have paid all the loan
*Aaron borrowed another 1k form the bank
*Aaron keep it in his house .. again (/housedeposit)
*Aaron have paid the loan
*Aaron bla bla bla
*Aaron takes all the money in his house (/housewithdraw)
*Aaron drive his way to the car dealer
*Aaron bought a Dodo and a Maverick

People can abuse this , so I disagree with this .

@Aaron : Sorry . :3

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Re: Bank loan

Post by Tom Stall on Fri May 27, 2011 1:54 pm

RaidenDragneel wrote:Imagine this would happen :

*Aaron borrowed 1k from the bank
*Aaron keep it in his house (/housedeposit)
*Aaron have paid all the loan
*Aaron borrowed another 1k form the bank
*Aaron keep it in his house .. again (/housedeposit)
*Aaron have paid the loan
*Aaron bla bla bla
*Aaron takes all the money in his house (/housewithdraw)
*Aaron drive his way to the car dealer
*Aaron bought a Dodo and a Maverick

People can abuse this , so I disagree with this .

@Aaron : Sorry . :3

Well it's not abuse if he pays it all back.
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Re: Bank loan

Post by Kenneth Sullivan on Fri May 27, 2011 3:14 pm

True that it wouldn't be abusing if they paid it all back. But maybe in case it somewhat does turns to be abused. I suggest that players can only take loans every 5 Paydays so RP'ly it might reduce the usage system of being overused. Or something along the lines of which I'm saying.
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Re: Bank loan

Post by Kyol Daniels on Fri May 27, 2011 4:45 pm

Webb wrote:
Kyol wrote:
Webb wrote:
Aaron_Lee wrote:This is a very useful idea...
Because kyol just borrowed money for a vehicle repair, dunno how it happened cause hs is such a great driver .......right?
[You must be registered and logged in to see this link.]

So yeah, Good Idea if you car breaks and your broke.

/support

You just posted SS of Kieran abusing IC chat.
You'll notice i'm on aduty.

So what? It isn't giving you a right to abuse IC chat like that.

Rule 2. And there was about 4-5 players on at that time, Non of them around when me and aaron were driving in my car.
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Re: Bank loan

Post by Kevin Alymer on Fri May 27, 2011 4:50 pm

Or you can get a loan and pay back with interest.
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Re: Bank loan

Post by Nicolas Djordjevic on Fri May 27, 2011 6:41 pm

RaidenDragneel wrote:Imagine this would happen :

*Aaron borrowed 1k from the bank
*Aaron keep it in his house (/housedeposit)
*Aaron have paid all the loan
*Aaron borrowed another 1k form the bank
*Aaron keep it in his house .. again (/housedeposit)
*Aaron have paid the loan
*Aaron bla bla bla
*Aaron takes all the money in his house (/housewithdraw)
*Aaron drive his way to the car dealer
*Aaron bought a Dodo and a Maverick

People can abuse this , so I disagree with this .

@Aaron : Sorry . :3

You're black sheep or something?

Scripters won't be that stupid to make such a mistake,..

I actually think it should be maximum of 1000, and no more.


Last edited by Nicolas on Fri May 27, 2011 6:42 pm; edited 1 time in total (Reason for editing : I'm lazy to read other's post sometimes so I understand the story a bit to early..)
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Re: Bank loan

Post by Kenneth Sullivan on Fri May 27, 2011 8:34 pm

Kevin wrote:Or you can get a loan and pay back with interest.

Yeah something like that would be great to have in the system since IRL you would have to pay extra interests.
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Re: Bank loan

Post by Tom Stall on Fri May 27, 2011 9:41 pm

Henry wrote:
Kevin wrote:Or you can get a loan and pay back with interest.

Yeah something like that would be great to have in the system since IRL you would have to pay extra interests.

I thought of that too, but I thought it would be too hard to script.
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Re: Bank loan

Post by Kevin Alymer on Fri May 27, 2011 9:48 pm

Don't think so, since it's just math first of all, not that hard to program and two it's already being used when we recieve paychecks.
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Re: Bank loan

Post by Peter Greenson on Sat May 28, 2011 8:15 am

RaidenDragneel wrote:Imagine this would happen :

*Aaron borrowed 1k from the bank
*Aaron keep it in his house (/housedeposit)
*Aaron have paid all the loan
*Aaron borrowed another 1k form the bank
*Aaron keep it in his house .. again (/housedeposit)
*Aaron have paid the loan
*Aaron bla bla bla
*Aaron takes all the money in his house (/housewithdraw)
*Aaron drive his way to the car dealer
*Aaron bought a Dodo and a Maverick

People can abuse this , so I disagree with this .

@Aaron : Sorry . :3

Ummm.... Are you at all good with maths?

+1000 From bank loan
Move 1000 dollars to house
-1000 From payday
+1000 From bank loan
Move 1000 dollars to house
-1000 From payday
etc... etc....
You don't gain any money. You have to pay the equivalent sum of money before getting loaned some more.... So that's quite a fail.

In-fact, I will add interest to the loan (4% every payday. Compound interest) So that the user is inclined to make the payment quick smart.
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