安装 Steam
登录
|
语言
繁體中文（繁体中文）
日本語（日语）
한국어（韩语）
ไทย（泰语）
български（保加利亚语）
Čeština（捷克语）
Dansk（丹麦语）
Deutsch（德语）
English（英语）
Español-España（西班牙语 - 西班牙）
Español - Latinoamérica（西班牙语 - 拉丁美洲）
Ελληνικά（希腊语）
Français（法语）
Italiano（意大利语）
Bahasa Indonesia（印度尼西亚语）
Magyar（匈牙利语）
Nederlands（荷兰语）
Norsk（挪威语）
Polski（波兰语）
Português（葡萄牙语 - 葡萄牙）
Português-Brasil（葡萄牙语 - 巴西）
Română（罗马尼亚语）
Русский（俄语）
Suomi（芬兰语）
Svenska（瑞典语）
Türkçe（土耳其语）
Tiếng Việt（越南语）
Українська（乌克兰语）
报告翻译问题
讨论规则及指引
举报此帖
Yes, you can be hit by unexpected random event and go into negative. In such case, do not panic, repay the loan as soon it runs out and you will be fine.
one thing to note , loans are common and not a sign of doing badly like in other games. A loan doesnt mean your ♥♥♥♥♥♥ or you did something wrong or need to worry.
Loans are actually OP ( they used to be a lot more OP) and if you watch good players in multiplayer they arent scared of lots of loans . I personally try to avoid them as i don't like them but there are lots of times when taking a loan is the best thing to do even when you dont 'need' one. In the real world every country has huge loans and everyone owes each other debt.
Being able to negotiate the loan rate would be boring , pointless and a waste of time in my opinion , i dont wont to tweak a slider every time just for the sake of it.
There are actually loan offers from other countries in the game, but you can not ask for these, they have to offer the loan to you. There is also Jains Estate (India only, requires Dharma DLC) that can be used to take loans with 1% or even 0.5% interest (instead of 4% of normal loan), but I never bother with these myself.
The Janis loans are really helpful. Atleast to seek support for the religous unity buff :)
An automatic loan is unfair, in my point of view. I'm not a pro, and I struggle to get out of debt, mainly in the beginnig of the game, when a nation profit is still very low.
1. A loan is coming due on May 1. I pause the game in April and see if there is anything I want to do about it before it renews. Most of the time, I take out a new, bigger loan on the theory that it is better to have 1 large loan than 3 small ones.
2. My treasury is going to become negative on August 1 because I am running a deficit. Again, I pause the game in July to see if a new loan is the best course of action. The great majority of the time, I simply let the loan occur. Many times, I can do things like remove garrisons on forts, drop some slider down, decrease maintenance on the army or navy, as well as other things to make my income positive.
3. The game pauses when I get an event where I can spend gold for some benefit such as admin power or something equally good. I notice that the selection to spend gold will move me to a negative balance. I now get to decide if taking the loan is worth the benefit.
My point is that you are always in control. The ONLY thing the game engine does is to NOT allow you to carry a negative balance into the following month. Nothing more, nothing less. The player decides if an automatic loan is to his benefit, and this only occurs if the player does nothing about it.
I see loans as a very strategic aspect of the game. I have had runs where I carry loans for longer than a full century before finally climbing out of debt.
In my most recent Karaman to Rum achievement run, I recall taking out 2 very large loans late in the run for the sole purpose of paying for the final institution. My income was so high that I had no trouble paying them off 5 years later.