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Bank of Skyrim
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0.536 MB
Jul 5, 2012 @ 12:09pm
Jul 27, 2012 @ 3:14pm
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Description
Welcome to the Bank of Skyrim. Here you may invest in the local economy, take out a loan, or turn your gold coins into bank notes.

You may make investments at three different risk levels, choosing a different time period and investment level for each. You will make a variable amount of interest each day, dependin on risk level. The investments are like real-world CDs where you are subjected to a penalty for early withdrawl. Also, your investments will give merchants across Skyrim access to more working capital (a.k.a. more gold on hand). The more you invest, the more gold they will have on hand.

You may take out a 30 day loan. The size loan available is based on your character level. If you happen to default on the loan your investments will be seized in an attempt to pay back the loan.

Bankers in the major holds (Whiterun, Solitude, Riften, and Windhelm) spend their days at a table in their respective hold's palace. The smaller hold bankers hang out in the Jarl's longhouse. During the evening these bankers hang out at the local inn. The Markarth Banker spends all her time at the Treasury House.

Bankers in the major holds have a book at their table that goes into more detail on each of these features.


--Known Issues--
Some users have reported a bug where they start a new game with this mod enabled. For some reason they aren't situated on the cart properly and the starting sequence doesn't initiate. I have tried to replicate this problem myself many times with no luck. I also have no idea why this would happen: this mod doesn't touch carts, any existing quests or actors, or any of the Helgen cells. But, just be safe, you should probably disable this mod temporarily whenever you start a new game.


--FAQ--
Q: The banker is no where to be found. What gives?
A: The bankers hold specific hours. They are their desk in the palaces (or hanging out in the Jarl's longhouse for the smaller holds) from approximately 8am-7pm. The rest of the time they are at the local inn. If you cannot find them at either location you may have to "wait" in order for them to show up.

Q: What is the interest rate of the loan?
A: It is 4%, compounded daily. Increases to 6% if you default.

Q: What is the interest rate of the different investments?
A: That's not any easy answer. They are all compounded daily, but the exact percentage fluctuates every day. The range of values are determined by the length of the investment and the risk level. For charts detailing these values, check out the "Banking Fine Print" book that the major bankers keep at their tables.

Q: What's the point of the promissory notes?
A: There are some immersion mods that add weight to gold. The notes feature is designed to allow your player to carry their money around in a lightweight form. If you don't have any mods that alter gold weight you can safely ignore this feature.

Q: I'm feeling sneaky. Can I rob the bank?
A: There is no central banking location for you to break into, but that's not to say there is nothing at all for you to pilfer...

Q: How do I know how much time is left on my investment or when my loan is due?
A: You can check under your miscellaneous quest objectives; there will be an entry for each investment and/or loan that tells you how many days are left. You can also talk to a banker to get a more detailed status with time remaining , current balance, and recent intererest rates.

Q: I go to invest but when it asks for an amount all I see is "cancel". What's wrong?
A: You don't have enough money on you. You need at least 5k gold (actual gold, not notes) to make an investment.

Q: I want to collect my investment. How do I do this?
A: Investments all use the same screen, whether you are starting one, checking the status of an ongoing one, or collecting a completed one. You just need to select whichever investment level you are interested in and you will be taken to the relevent start/status/collect page.

Q: Is the investment bonus to merchant gold compatible with merchant mods?
A: It depends. There are a few different things you can alter with relation to merchants, so some mods will conflict, some won't. The ones that have been asked about so far are:
Dynamic Merchants - Does not conflict
Wealthy Merchants - Amount of gold on hand will conflict
Leveling Merchant's Wallets - Amount of gold on hand will conflict, inventory refresh rate will not

Q: Can I get this off the nexus instead of the workshop?
A: You can if you'd like. http://skyrim.nexusmods.com/mods/17985


--Change Log--
v2.0 Initial Posting
v2.1 Added strongboxes to banker tables
-Clarified investment minimum


--Other Notes--
This is by FAR the most complex mod I have ever done. Between the various features there is well over 1000 lines of code. I've tried testing it myself in as many different conditions as I could think of, but given the shear amount of code I'm pretty sure there will be bugs. If you run across something that's not working properly, please detail the problem in the comments and I'll fix it ASAP.

Make sure you read the entire description before asking a questions. Any questions that are already answered in the description will be deleted.

Finally: If you like it (or even if you don't), please leave a rating.
292 Comments
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Arhi Davinci Aug 14 @ 1:13pm 
wooohooo! who knew real-life would be integrated into skyrim!? XD great mod, very good job on it.
WarGolem2011 Aug 11 @ 12:43pm 
Oi the problem with the starting the new game is due to not launching with skyrim script extender. Your mod is solid mate
tojo316 Aug 10 @ 12:15pm 
great idea but it needs a main head bank at a major hold. Bank of Cyrodil had a hq in the imperial city market district placed on an un occupied wall so didn't look out of place and could be broken into with an expert lock on a vault.
Gamerguypie Jul 21 @ 7:10am 
Can you steal the money?
natergater95 Jul 14 @ 9:23pm 
sometimes people subscribe to lots of mods at once. this could be an issue with the starting sequence. it could be another mod
BrninBear Jul 9 @ 1:15pm 
Placed outside the cart on a new game, thank's for letting us know in the description, would be the last mod disabled for testing :p
ragnarokeod Jun 27 @ 5:12pm 
Starting a new game did nothing to help, there is still a problem. I am assuming I have to uninstall skyrim and reinstall it to fix this problem.
ragnarokeod Jun 27 @ 4:07pm 
I'm still trying to troubleshoot this problem and hopefully I'll find a solution. However in my current progress it seems that it has corrupted all of my saves and that every merchant has a ridiculous amounts of gold even as far back as being lvl 17. I downloaded the mod when I was about lvl 72. So this doesn't make sense for it to be affecting my game saves but it is. Though it may be the case I'm still working to find a solution and if I find one I'll be sure to post it on here.
JBSchroeds  [author] Jun 27 @ 12:44pm 
I'm sorry you seem to be having issues. Unfortunately I have no idea what could cause that problem and you are the only one to ever report such an bug. This leads me to believe that this may not be something I can fix on my end.
ragnarokeod Jun 27 @ 11:18am 
I tried this mod because I felt it would be cool to have the option to make money on any excess coin that I was carrying. I wouldn't have unsubscribed and deleted the mod if I wouldn't have had a major conflict....After investing 50k for a low risk investment for 10 days gave all of the merchants 180k gold. This wasn't exactly the problem as much as I could sell all of my items for FREE and not receive a single septim. Problem is I have unsubscribed and still have this problem. I feel this is a lingering affect of the mod and strongly feel it needs to be fixed. I ran my own test and have seen with a normal merchant who wasn't affected by this investment could normally carry 20k without glitching out like this. Please fix this problem if possible. Otherwise I'll have to start a new game from my lvl 83 character.