Loans ??? is it possible.. has it been DONE?

A really great feature in Smac allowed other leaders to request and offer loans to you. eg you could borrow 1000 bucks and pay it back 11 bucks for 10 turns. In smac you could agree or you could say no pay it back at 14 bucks for 10 turns....

Could it be done in civ 4? During wars or when the other user could not afford it, the payments were suspended and would resume during peace time....

They had it in Civ3 too. I had a lot of fun taking out a 10,000 gold loan and then killing the lender.

That's probably why they removed that ability, it was exploitable.

it wouldn't be that exploitable... allow them to refuse to loan you cash unless you are on frendly terms.... ie just make the ai a bit wiser to the technique!

t wouldn't be that exploitable... allow them to refuse to loan you cash unless you are on frendly terms....

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How can they decide are you on friendly terms with them or not? The AI's are not telepaths.

The ai knows which factions are friendly and which are cautious and which are furious

Eg Usa will lend money to the uk... however they are hardly likely to loan money to iran.....

Same thing.

Well i thinks its a great idea, in the real world Loans are an important part of politics and refusal of loans or resentment towords loans have cause invasion in many situations

Eg. After the Iran-Iraq war Iraq wanted kuwait to forgive Iraqi loans but they didnt leading to the first gulf war and by extension second gulf war.

The ai knows which factions are friendly and which are cautious and which are furious

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How can the AI know are YOU, THE HUMAN PLAYER, are "Friendly" or "Unfriendly" to them?

Lone Wolf said:

How can the AI know are YOU, THE HUMAN PLAYER, are "Friendly" or "Unfriendly" to them?

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It has to do with whether or not the AI is friendly toward YOU... i.e. what things you have or have not done to them in the past. This is already there.


But a problem is the fact that the AI never has any money to loan anyway... they are horrible at managing their finances.

However, this doesn't take into account the fact that even with a great relationship, you might still declare war anyway just to avoid paying the loan.

I agree witht the post above..it would be based on the ais relationship to the player..
I have ve been considering types of scenarios where this would work or not....
using the following rules as a basis.

1) ai will only lend a maximum of 40percent of their total amount of cash.
2) interest payments are fixed.. so if it takes them longer to pay off eg because of a war...the amount is still the same.
3) if the player wants to risk a war for the sake of a few hundred up to a maximum of 500 based on some games I have. they will find that the lost productivity and cost for the war would be higher than the cash they would have received...

the interest payments that come in may be used to trade for resources.. evn if they are just temporary... hence this will create a mechanism that you can take advantage of cash surplus and turn the cash into resources for a period...

troyDoogle7 said:

eg you could borrow 1000 bucks and pay it back 11 bucks for 10 turns.

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I just had to say it, that would be a great loan hehe

Lord_Azazel said:

I just had to say it, that would be a great loan hehe

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Interest boyo... interest...

troyDoogle7 said:

1) ai will only lend a maximum of 40percent of their total amount of cash.
2) interest payments are fixed.. so if it takes them longer to pay off eg because of a war...the amount is still the same.
3) if the player wants to risk a war for the sake of a few hundred up to a maximum of 500 based on some games I have. they will find that the lost productivity and cost for the war would be higher than the cash they would have received...

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Ah, but then we come to the question of failure of payment... Countries have been invaded for failure to pay their loans... should it be a provocation for war here? Should somebody be able to default on a loan if they can't or won't pay it?

keep it simple for the moment...they have to pay it back...only suspended in war.

if you can't afford to pay it back then you need to cut back on science