WIP - Loan System

Ok, I'm working on implementing a loan system into my currently active Bank system in the VX Event systems. Check it out. Let me know what I might do a little different.

This is how it's supposed to work:
There's an NPC that the player talks to that will first introduce himself and give you 4 choices: 1, View Paperwork*; 2, Get Loan 1**; 3, Get Loan 2**; Pay Loans***.
*: This option will display a series of texts that will explain how the loan system works and display the current interest on each loan.
**: This option will fill this slot for a loan.
***: This option will create 3 more choices: 1, Pay Loan 1*; 2, Pay Loan*; 3, Back**
*: These options will open a new option to input a number to pay back the corresponding loan slot.
**: This option will take you back to the original 4 choices.

When a player selects the option to create a loan, it will call a Common Event to the corresponding slot. Below, is the current common event for "Get Loan 1".



Here's what the paper work will roughly say to the player: The player only gets to make 2 loans. You can only get a loan equal to half of the amount of gold you currently hold plus what's in your bank account. If you pull the first loan, the second loan will not be affected by the amount of gold you pulled from the first. (So, if player gold = 10 and account gold =20, (player+account=30), so Max Loan 1 = 15. You will now have 45 gold in all including the new loan. When the player pulls loan 2, all the math is done then the amount of gold you pulled for the first loan will be subtracted from that amount. So Loan 2 will be: Player gold = 25, account gold = 20 (player+account=45-Loan1=30), so Max Loan 2 = 15.) This is so that a player with a lot of gold can't withdraw a TON of money from a loan then do it again in the second for even more money. A player can only pull 1 loan from each slot, you can only make a new loan if you have an empty slot open.

Thoughts? Questions?

EDIT: System was changed a bit so that instead of 1/2 the amount of your total gold will equal the max loan amount, it will now equal 1.25 the total amount you currently have. So if you have 100 gold, the total loan amount you can get is 125. If you take the full amount, you can have up to 225 gold. (Do note that I haven't yet implemented an interest system to this yet, so when it gets added like say 10% interest, you will have to pay the bank 137.5 so basically 138 gold, instead of 125. Of course this increases with the amount of gold you borrow. I haven't yet figured out consequence system for this like if you haven't paid the bank in a certain amount of time. I'm thinking about making it so that after a set amount of time, the bank will remove some gold from your current account and in turn will slowly pay itself back. However, that presents the issue that the player doesn't have to use bank account at all then, and instead hoard all of the gold they make. The only incentive for having a bank account is that when you use the account, the gold in it will compound with interest making you more gold. Not sure if this is worth it yet. It's getting very complicated >_<

I like the system so far, would of never thought of it. As for consequence, you could do like a credit system. After a set amount of time it will -1 from a variable, I guess named credit. If the player keeps putting off paying back the loan, the credit variable keeps going down. After the variable reaches a certain point, some shops won't sell to the player.

There could be 2 ways for the player to redeem their points.

1) pay off the loan and get some +x to the credit.
2) If future loans are paid back before the time line, it will also increase the credit variable.

There could also be perks to this as well. You could make special shops or quests that only open up if the player has a good standing with the loaners and has a good amount in their credit variable.

I like the idea, that's more like weaving a web throughout an entire game. This is just an event system. It's something that a person should be able to copy/paste (plug&play) into their game and just do it. The consequences would have to involve only the banking and loaning options. I might set it up so that the interest rate starts to climb and that the bank will slowly wipe your bank account. For instance, let's say that every 10 minutes, you lose 1000G from the bank account and is attributed to your loan. When your bank account runs dry, the bank will start to seize gold from your inventory instead but at longer time intervals. So once your bank account is dry, the bank will start to pull 500G from your inventory every 20 minutes. So half as much Gold in twice the amount of time. I think I like this solution best. Though I will have to implement it separately from the events so that a person could easily choose to include it in their game or not. Make it as simple is delete that section from the Event System or keep it.

Thanks for the input =]

EDIT:
This is coming along pretty perfect. I was having issues with decimals in a different way than before. There's a 25% interest rate on the loans so if you pull 1000G you owe the bank 1250G. However, the question became, what if a player pulled 1G just to be a dick or something, or maybe by accident, well then they would owe the bank .25G. That's not even equal to 1. The way I have it set up, you're allowed to use decimals, however when you go to input a number, you can't choose to input a decimal. The system also checks to make sure that you don't OVER pay the bank. So if you were to pay the bank and the result would be less than 0. Like say you owe 100G and you pay 150G, instead of losing 150G, the bank would warn you that you are over paying and prompt you to pay again. The issue becomes where you owe them an amount and a decimal. You can only pay in whole numbers, so if you owe .25G you can't pay them 1G because the result would be -.75G to you. The bank would prompt you that you're over paying.
However, I may have come up with a solution... Let's say you owe 25.5G and you have 30G.
I do this:

Code: [Select]

Condition: If [Input Number] >= [Repay Loan1]
 > Change Gold - [Repay Loan1]
Else: -
End

So basically, if you're over paying, instead of losing that much gold, you instead only lose the remaining amount that you owe. In other words, instead of losing how much gold you input, you lose how much you owe left.

=]

EDIT2:
YIKES! Well, what I said above works just fine to pay off the loan, HOWEVER, if you do have a decimal that you have to pay off, your gold amount will now hold decimals. It could be annoying because it can hold more than hundredths of a decimal. It can have well over a hundred-thousandth. So you could have an ugly gold amount like 4839.2995830G. It may look like a lot at first glance in game, but in reality, you only have about 4840G. There's a lot of extra decimals that are unnecessary. Well, looks like I'm still looking for a fix, but as of now the system is complete without the consequences. Works like a charm otherwise.

Never was too sure on Necro... But I'm pretty sure that a month doesn't dictate it...

I don't see why you can't allow the player to overpay? Just not overpay more than 1 or 2 GP (or whathaveyou). That way, even if you use decimals, you will have it payed off...

"But, oh wise, handsome, sashikinaroji! If you do that, the loan will already be partly paid off the next time on is made! How can we fix that?" you ask?

Simple, just have the system reset at that point, and the total will go from negative .75 to 0... I think it's simple enough...

Of course, I have been wrong before

this is already finished. here http://rmrk.net/index.php/topic,31324.0.html