Enhanced Loan System

This mod overhauls the in-game loan system to make it more realistic. The default loan system is disabled, and any existing loans are migrated to the new system.

With this enhanced system, you can take out annuity loans with a fixed amount, term, and interest rate. Monthly installments are automatically deducted at the end of each month.

The bank calculates your maximum loan amount based on your current asset values, including vehicles, 60% of your land value, cash, and existing loans. Interest rates can fluctuate monthly to simulate real-world conditions, or you can opt for a fixed rate in the settings.

Several customization options are available to tailor the system to your preferences.

What is an annuity loan?
An annuity loan has a fixed monthly installment composed of both interest and principal repayment. As the remaining loan decreases, the interest portion decreases and the repayment portion increases.