Fixed rate loans with agreed time limits.

[baz]

Is it possible to consider fixed rate loans. for example if I take out a loan at my bank tomorrow, I will borrow at an agreed interest rate and a fixed time. IE borrow £5,000 at 5% over 5 years. At the moment your subject to whatever interest rate the central bank sets. I don't beleive this is very accurate. I don't belive that this should be removed but the game should have fixed rate too, it would give a better balance to the game and allow you to borrow money when the rates are low, to perhaps pay off a loan that was taken out at a higher rate. At the moment it's just pays the interest on the loan. Yes you can pay off the loan but surely you should be able to get a loan option which you can pay off a loan an agreed time. These loans could be set to a higher rate than current central bank rates but least it gives you some more loan options.
I do like the current interest only loan but I would like another option as I believe that you get this option in the real world. Credit ratings and penalties could then be considered but thats for another post.

[David]

We have considered this design option before but decided that it is better to keep the bank loan system simple. In fact, it is an on-going balancing act between game simplicity and the level of detail of the simulation throughout the development process.

[baz]

Thats fine, I do like the simpicity of the loan system currently but had to ask the question.