Since this round skyscrapers were added to the game. Houses don’t exist anymore. To open a bank account or to be partially save, you can live in a skyscraper. To fasten the build of skyscrapers at the start of the round, the federals allowed the national governments to hand out loans for these skyscrapers. But are they as good as they needed to be?
To start off with, the skyscrapers are not cheap to build. For the first 10 floors as a base it will cost 20.000 to 25.000 ISH to build. You can build a smaller skyscraper, then you will save money on the first (base) build. But the problem i think that will occur is that an expansion of your current skyscraper is more expensive. So to start with and at the most cheapest is it better to build the first 10 floors for that 20-25k.
Now national governments can give loans up to 30.000 ISH to get skyscrapers early in the round quicker. But there are some things i and some others have noticed with the loans. First, to hand out the loan the treasury should have enough money to give the loan. At the start of the round, this is one of the hardest things. At the start of the round the treasury doesn’t have enough money to be able to give a loan. On the second day of the round it is possible, but only 1 loan. While the round is going the treasury should be able to hand out more loans.
But by the time the treasury has enough to hand out more loans, players themself are already able to build a skyscraper without a loan. The skyscraper loans are not necessarily needed anymore, altho you could use the loans to furnish the rooms better.
Another problem with the skyscraper loans is the interest that has to be paid everyday. The responsible official for the finances needs to give the order everyday to give a fine for the interest to the person who has the loan. Hereby the official needs to keep in mind the height of the loan. In Virtua the interest was adjusted when a part of the loan was paid back. With this, the official needed to keep a some sort of log to know if a fine was given for a certain day and/or was paid in time.
Not only the government official had a job with the loans. Also the FCS’s of a country had some work. They were the players that had to hand out the fines everyday and check whether the fine was paid on time. The FCS also had to give a fine to pay back a part of the full loan.
This sounds pretty easy to do, but it isn’t when you need to keep track of, for both the government official and the FCS. If a fine is not given for a day, it can destroy the whole system. Then the main problem will be, which fine is given to find out which fine is not given. When you found the missing fine, that can be solved.
Another thing is when you have multiple loans at the same time. If 1 fine is not given on time, it again destroys the whole system, but then it’s not traceable anymore, since there are more loans going. Then you just have to wonder, will the CBI or federals find the problem or not. It causes major problems if the system cannot be kept running. And it’s not easy to keep it running according to the system.
Some solutions appeared after the problem was known. Players started thinking on how to make this more easy for everyone. A solution was that you have a FCS responsible for every city where loans are handed out, or a FCS on 1 loan. The problem is, in Digitalia and Ibisha, this can be done, there are only 2 cities in Digitalia and Ibisha speaks for itself. But in Cyberia and Virtua, this is just not possible. The International Law only allows to have max 2 FCS’s in each country. Since Cyberia has 4 cities to keep track of and Virtua 3, this is just not possible. Or the law should be adjusted, that allows more FCS’s each country.
Another solution was using the same loan system for banks, but make it like in the playermanager, where a player can request a loan, the government gives the loan and everything goes automaticly. Or the government official is allowed to open a bank with a mv and use that bank as government bank. How the interest system works on the banks is something i’m not sure of and if this would help with the loans.
We will see what the federals will do to solve these problems. One thing i know and what i can tell you is that with the skyscrapers loans currently, makes just a mess. Something has to be done, before the loans are doable for everyone and before big fines from the federals or CBI will show up for the national treasury or the player self.
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