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loans

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loans [2024-02-20 04:40] – [DM's notes] poemsloans [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 =====
  
loans.1708404016.txt.gz · Last modified: 2024-12-22 15:53 (external edit)

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