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loans [2023-11-30 07:21] – ↷ Links adapted because of a move operation 40.77.167.55loans [2024-12-22 15:53] (current) – external edit 127.0.0.1
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 The following table "bakes in" the assumed reputation gain of characters as they go up in level. Rates should be worsened for a character with a negative reputation. The following table "bakes in" the assumed reputation gain of characters as they go up in level. Rates should be worsened for a character with a negative reputation.
  
-To determine the interest rate of the loan, cross reference the character's highest class level with the amount of security they're posting against the loan:+To determine the interest rate of the loan, cross reference the character's highest class level with the amount of security they're posting against the loan. If the character has enough XP to train to the next level and is taking out a loan for that training, consider them to be the level they are training to.
  
 ^ Character                                                                   ^ 0% Security interest rate                                ^ 50% security interest rate                        ^ 100% security interest rate  ^ ^ Character                                                                   ^ 0% Security interest rate                                ^ 50% security interest rate                        ^ 100% security interest rate  ^
-| 1st level (not enough XP for 2nd level)                                     | Unavailable                                              | Unavailable, or 10% with positive reaction check  | 10%                          | +| 1st level                                      | Unavailable                                              | Unavailable, or 10% with positive reaction check  | 10%                          | 
-| 1st level (enough XP for 2nd level) - 2nd level                             | Unavailable, or 10% with positive reaction check         | 10%                                               | 9%                           |+| 2nd level                             | Unavailable, or 10% with positive reaction check         | 10%                                               | 9%                           |
 | 3rd - 4th level                                                             | 9%                                                       | 4.5%                                              | 3.5%                         | | 3rd - 4th level                                                             | 9%                                                       | 4.5%                                              | 3.5%                         |
 | 5th - 6th level                                                             | 8%                                                       | 4%                                                | 3%                           | | 5th - 6th level                                                             | 8%                                                       | 4%                                                | 3%                           |
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 | Owns [[strongholds|stronghold]]                                             | 4%((Based on PHB 35's rate for propertied characters.))  | 2%                                                | 1%                           | | Owns [[strongholds|stronghold]]                                             | 4%((Based on PHB 35's rate for propertied characters.))  | 2%                                                | 1%                           |
  
 +This table is heavily extrapolated from the rules on PHB 35.
 ===== DM's notes ===== ===== DM's notes =====
  
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 It's important to keep starting gold meaningful by not giving free loans, but you also don't want to saddle new characters with a ton of debt they can't get out of. Characters can avoid debt by staying XP capped, but you may find that a lot of this has negative effects to the campaign as time goes on. It's important to keep starting gold meaningful by not giving free loans, but you also don't want to saddle new characters with a ton of debt they can't get out of. Characters can avoid debt by staying XP capped, but you may find that a lot of this has negative effects to the campaign as time goes on.
  
-After the campaign has been going for a while, new players and characters will join. If it takes a long time for them to be able to get past the first few levels in order to join in on non-introductory adventures, the campaign may suffer for it. Either these low-level characters will face challenges too great, or the higher-level characters will need to be put on the backburner (or be played in low-level adventures and thereby accumulate more upkeep than they make in these "starter dungeons"). Whatever you choose, your loan system should not cripple your campaign advancement.+After the campaign has been going for a while, new players and characters will join. If it takes a long time for them to be able to get past the first few levels in order to join in on non-introductory adventures, the campaign may suffer for it. Either these low-level characters will face challenges too great, or the higher-level characters will need to be put on the backburner (since their presence will often cause an XP penalty in starter dungeons due to the penalty rule on DMG 84 rule). Whatever you choose, your loan system should not cripple your campaign advancement.
loans.1701328873.txt.gz · Last modified: 2024-12-22 15:53 (external edit)

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