Loan payback, how does it exactly work?

[Azrael]

I somewhat crashed my little SSR, had too many uneducated, people were escaping in droves, because I couldn't afford to keep paying for clothes and electronics... so I took a 2 mio Rubels loan from Papa Breshnev to kickstart my republic again, which worked really well, solved my educational problems, got my food industry up and somewhat running (would require more investments) and according to the trade balance screen, I make a comfortable + every month...

However, besides that the payment of the loan seems to function automatically overtime, I don't get the intervalls, do they get paid back monthly, bi-weekly, weekly?

Also can I see somewhere the exact amount, that is paid back automatically each intervall? I've seen (probably because it is a rather new feature), that these payback sums don't show up in the trade screen, which I recognized by my Rubel bank account going slowly but steadily down, yet the trade screen showed a positive Rubel income.

[gusgblaw]

It's on a 'need to know' basis.
So long as you pay, you don't need to know :P

Im at 6 years, about 5 millions owed. They don't seem to fret about it. The interest went up by 0.1% tho.

[smartys1809]

It‘s automatically. You can see the stats in loan statistics - during time you will see the owed amount decreasing while the paid goes up. I think it‘s paid daily! Keep attention, it‘s not calculated in your trade screen. So I suggest to watch how many you pay per day, and from this you can calculate your monthly payback and compare to your monthly results. I found myself wondering why going constantly forward to bankruptcy while earning money from trades.

[angry_bosmer]

Yeah It's paid on a frequent basis (I think daily). You can track the amounts paid if you keep the loan window open. You'll see the payments go up over time.

That said, one of the features I think that is still missing is the loan payments being calculated into your other balance sheets. I don't believe its included anywhere, so even if you are making a positive balance, that wouldn't include your loan payments.

[Azrael]

Well good thing is, for now, with exporting steel and cows (damn, that really sounds like eastern bloc) and lowering my food and meat cost by atleast partially supplying my people with own food and meat, I more or less hold it at around 0, working on improving my coal production to further boost my steel production to go into positive numbers again.

But if things turn bad, I could let the game run in background and hold out as it is until the loan is paid off, paid alrdy a little bit over a million rubles back.

I thought about one "way" to lower ruble expenditures, by establishing a road and electrictiy connection to one of the western custom houses and exporting atleast electricity to the west, to generate dollars and maybe, instead of buying some stuff with rubles buying it with dollars or alternatively getting better vehicles for dollars, e.g. harvesters for my food production.
My Town is in one of the corner areas on a modded map, where the eastern and western borders meet, so a western customshouse wouldn't be that far away.


What do you guys think about that, got experience with that?

[The_Mask]

If you click on the individual loan that you made you can see all the details and even pay the loan back sooner .

https://steamcommunity.com/sharedfiles/filedetails/?id=2014092071

[angry_bosmer]

I mean, the solution for me is to just make more exports. Get another loan and use it setup something profitable. I usually take the 5 year loans and pay them off early. That way the payments don't affect me as much.

If you are making steel, you can make quite a bit of rubles exporting your surplus coal and iron. Those processors should be running 24-7, don't let those stockpiles sit on full. Power exports kinda cap out. Making mech components out of some of that steel is also a good export, just watch the prices they can drop to below the value of the steel if you overdo it. With steel + mech comps, vehicles production become really viable. The costs for fabrics, plastics and electro comps is pretty negligible for those (like 1% of costs).

[Azrael]

Originally posted by The_Mask:

If you click on the individual loan that you made you can see all the details and even pay the loan back sooner .

https://steamcommunity.com/sharedfiles/filedetails/?id=2014092071

Well I've seen that screen, but as you can see at your screen too, there is no info about how often these payback sums flow and which amount flows there, that is a bit lacking, especially since it doesn't appear (yet, since Early Access) in the Balance Overview. Hence why I asked the question.

I alrdy thought about setting up a mechanical component factory, more for filling up my own stocks, but you're right, you don't need that stuff that often, it should be viable for making a ton of Rubels and bringing me into the green big time, without using anymore loans.

I am hesitant about borrowing money, not just in game but in general, but maybe, if the need arises, I have to take a 2nd loan.
I'm just worried about interest maybe crippling me...

So far, my 2nd Coalmine (the 1st one supplying my coal power plant with coal and with overflow the steel mill) is still in the process of being setup, but as soon as that is finished I plan to shift my dumper trucks, which supplies my steel mill with coal so far, from the 1st to the 2nd coal mine, since that is closer => Increased frequency of deliveries, since shorter route.

I hope that should push my steel production without the need to import new vehicles.

PS: And so far, regarding the steel mill alone, the only material that I'm getting close to oversupplying it is the processed iron, but only close, it doesn't really happen except I somehow fiddle with the buslines and screw up, robbing the steel mill of it's workers :D

[angry_bosmer]

I would invest in conveyors. They really make all the difference. :)

Also, for now the interest rates are actually kinda comically low... so don't worry too much. But yeah try to avoid the debt death spiral for sure!

[Storpappa]

Its been said above, but quick recap / short answer

Borrow $ or ₽
You pay it back only in $ or ₽ / can't run a $ surplus and use it to pay back a ₽ loan
The longer the term, or the higher the amount, the higher the interest rate, and the larger the payments.
Payments are made daily, taken automatically from your funds, or additional manual payments

That's it

Wait, what if I don't have enough $?
Then your $ account will be 0, it will sit at 0, and anything you export to the Western block will go up and instantly back down to the loan

Do Western block spies cross my Republics border and drive off with my Blue Beetle? No, they do not come to reposes anything

Gosbank is just as friendly for ₽ deadbeets
They even let you continue to Import goods. Oh wait, no they don't

OMG, that's awesome, start a new game and borrow 200,000,000₽
Then you might as well play on unlimited funds
The penalties are an honor system

If you are in default, you won't be able to buy stuff, because hey, you have no funds and as soon as you sell stuff, it goes up and then back down.

Azrael said it best above - "hesitant about borrowing money"

If your game style is Hard, Hard Mode Challenge, or Cosmonaut Mode, none of those says no borrowing or it may limit it. But your only going to be seen by yourself. You can easily play on any of those styles with the starting funds, and not need a loan.

If you need a loan, something happened, fix it. Ask for help here or on Discord
Start exporting, stop construction, rethink your plans
Or find that traffic jam that stopped your trucks from making their route and its all messed up.

[RP-BOOST]

These loan rates as is, you can borrow 2 million rubles and pay only a 4.1% interest on the amount, at least interest rates should be 10% on that amount. COSMONAULT mode is the best way to play. I hope the developer fixes this for the loans and really raises a question before you want to borrow.

[Storpappa]

Originally posted by RP-BOOST:

These loan rates as is, you can borrow 2 million rubles and pay only a 4.1% interest on the amount, at least interest rates should be 10% on that amount. COSMONAULT mode is the best way to play. I hope the developer fixes this for the loans and really raises a question before you want to borrow.

As always, play your game the way you want
I post that for the overly sensitive who cry if you don't tell them their doing everything perfect


Hard should have loan restrictions
You take one out, you don't get another till you pay it back
You need more, you should have borrowed more and paid the higher interest

RP, the only adjustment I have seen to interest occurs around 5 or 6 concurrent loans
The 2,000,000 5 year rate goes slowly up from 4.1 to 4.2%

It needs to be much higher. I wonder what an index to steel rate would do to loans?

[angry_bosmer]

I feel loans were only introduced because people all started on hard and really struggled... Even on medium its tough to not make a bunch of mistakes and end up broke. So yeah the loans are pretty advantageous for that reason I think... just don't play with them if you don't want to.

I hope there is a game mode eventually where you start with 0 rubles and 0 dollars... such that ALL your starter money is loans. That would be so fun imo.

Also index to steel rate! That's so soviet. XD Maybe include loan rates as part of the difficulty setting?

[RP-BOOST]

It needs to be much higher. I wonder what an index to steel rate would do to loans? [/quote]

I didn't understand your final question.

[RP-BOOST]

Originally posted by angry_bosmer:

I feel loans were only introduced because people all started on hard and really struggled... Even on medium its tough to not make a bunch of mistakes and end up broke. So yeah the loans are pretty advantageous for that reason I think... just don't play with them if you don't want to.

I hope there is a game mode eventually where you start with 0 rubles and 0 dollars... such that ALL your starter money is loans. That would be so fun imo.

Also index to steel rate! That's so soviet. XD Maybe include loan rates as part of the difficulty setting?

yes, starting with nothing would be a very interesting way, especially for those who already find the way difficult, 'easy'. Starting with 0 rubles and 0 dollars would be a mega challenge for planning and efficiency, depending only on loans at the beginning of the game, there would have felt these insignificant loan rates.

[RP-BOOST]

Originally posted by Storpappa:

Originally posted by RP-BOOST:

These loan rates as is, you can borrow 2 million rubles and pay only a 4.1% interest on the amount, at least interest rates should be 10% on that amount. COSMONAULT mode is the best way to play. I hope the developer fixes this for the loans and really raises a question before you want to borrow.

As always, play your game the way you want
I post that for the overly sensitive who cry if you don't tell them their doing everything perfect

With respect to gameplay, each one plays as they will, but we have to speak for real to those dear capitalists who arrive in communism and cry, because they are used to the easy and simplistic mechanics of TF, SC and CS.