Own banking system with a separate village bank menu. The bank name adapts to the map, so it appears as village bank > your map name.
Features
- Multiple bank accounts: In addition to the farm account, additional accounts can be created and renamed.
- A total of up to 10 accounts are possible.
- Different symbols can be selected for the accounts.
- Money can be transferred between your own accounts.
- When making purchases, you can choose which account to pay from.
- Transaction overview for transfers, financing, leasing payments and other bank transactions.
- Fixed-term deposits/savings accounts with up to 8 simultaneously running accounts.
- Available maturities and interest rates:
1 year at 1% p.a.
5 years at 5% p.a.
10 years at 10% p.a. - Vehicle financing with terms of 12 to 96 months.
- Selectable down payment of 10%, 20% or 30%.
- Selectable final rate of 10%, 20% or 30%.
- Financing interest rate of 5.5% p.a.
- A liquidity/creditworthiness check is carried out before financing is granted.
- Vehicle leasing with terms of 24, 36, 48 or 60 months.
- 10% down payment for leasing.
- A lease interest rate of 4% has been deposited.
- After the lease ends, the vehicle can be purchased for its residual value or returned.
- Business loan via the normal LS25 loan scheme.
- Loans can be taken out and repaid in €5,000 increments.
- The normal credit limit of the game balance is taken into account.
- Dunning and arrears system for financing and leasing contracts.
- If installments cannot be paid, they will be listed as outstanding.
- If there are 3 outstanding payments, the vehicle in question will be confiscated and removed from the game.
- The contract and any remaining debt will then be terminated without refund.
- Vehicles with ongoing financing or leasing cannot simply be sold.
- Integrated vehicle insurance.
- Three options: no insurance, partial coverage, or comprehensive coverage.
- Partial comprehensive insurance reimburses 50% of the repair and painting costs.
- Comprehensive insurance reimburses 100% of repair and painting costs.
- Insurance premiums are based on the vehicle’s value.
- Partial comprehensive insurance costs 1.2% of the vehicle’s value per year.
- Comprehensive insurance costs 2.4% of the vehicle’s value per year.
- The minimum contribution is €2 per month.
- Tariff changes will take effect from the next game month.
- Insurance premiums and reimbursements are recorded.
- Multiplayer support.
- Accounts, investments, financing, leasing agreements and other data are stored in the savegame.
