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-   -   SimCity Loans 2.0 (http://www.modthesims.info/showthread.php?t=623575)

scarletqueenkat 9th Feb 2019 7:17 PM

SimCity Loans 2.0
 
2 Attachment(s)
New Patch Compatibility
Patch status for this and all of my mods can be found on my Mod Status page. It receives live updates as I'm checking and it's always complete within a couple of hours of patch releases.

What's New in 2.0?
Teens can now take out a loan (previously only available for Young Adult+).

Late Fees
Once you receive the Loan Payment Overdue buff, a 5% late fee (5% of your payment) will be deducted shortly after. After that, they will be deducted about every 24 hours until your sim makes a payment. If your sim is at work, the late fees will be deducted shortly after they get home. If you don’t have enough Simoleons for the late fee, it will deduct when you do.



Fixes
  • Fixed the rare occasion of being able to take out two loans because the computer broke during the first interaction. Thanks to Ande1707 for finding this issue during testing.
  • You can no longer take out a loan if you still have a loan packet that’s been paid off in your inventory. You must destroy it before taking a new loan out. Thanks to nyqueent for finding this issue during testing.


Mod Compatibility & Requirements
This mod was made with game version 1.48.94. No additional packs required.
For patch compatibility, please check my Mod Status page.


Mod Description
Your sims (Teen and up) can now apply for loans from SimCity Bank. When your sim needs a loan have them click on the computer and select SimCity Loans. From there you will select which loan amount you want.

Loan Amounts include:
  • §1,000
  • §5,000
  • §10,000
  • §25,000
  • §50,000
  • §100,000
  • §250,000
  • §500,000
Once you select the loan amount, your sim will receive a Loan Packet in their inventory (which is not delete-able). Your sim will then be responsible for repaying it! When repaying the loan, you have two options:
  • Repay in full with no interest.
  • Make 12, 24, or 36 payments which includes a 5% interest rate.



If your sim doesn’t make a payment (or pay in full) within 48 hours, he/she will receive a Loan Payment Due (fine mood) buff. If your sim ignores this buff for 24 hours, this buff will turn into a Loan Payment Overdue! (stressful mood) buff. The only way to remove this is to make a payment (or pay in full).



If your Debtor sim dies, the loan packet will be sent to the household inventory (still not delete-able). After you place it on your lot, another household sim can use the Take Over Loan interaction. This will add the loan packet to that sim’s inventory and he/she will be responsible. Don’t worry, any payments that the deceased sim made won’t be lost!

If your Debtor sim dies and gets added back to the household either as a ghost or resurrected, they won’t have the loan packet anymore (obviously since it went to the household inventory). However, they can’t take out a loan. They’ll have to use the computer and click on SimCity Loans > Request Loan Forgiveness, then after 3 days they can apply for a loan again if needed.

ADDITIONAL INFORMATION
  • Sims can only have one active loan at a time. However, once your sim pays off the loan, you can click on the loan packet and select Destroy. Your sim can then take out another loan if desired.
  • The loan packet is not drag-able! This was done on purpose to keep it in your sims inventory for needed buffs and interaction availability. It’s also not delete-able, for obvious reasons….no skipping out on your debt!
  • If you move your household while the loan packet is on the lot (after placing it from the household inventory), it can be found in the household inventory once again. No running away from it until it’s paid!
    If you have any questions or need any help, please feel free to join me at my discord. You’ll get a much faster response from me there.

**NOTE - If you use Basemental Drugs and your Sim gets arrested, they will lose their loan packet as well. If this happens, you'll have to use the Request Loan Forgiveness option on the computer.

PLANS FOR FUTURE UPDATES
  • Add the SimCity Loans to phones
  • More to come


Mod Conflicts
No known conflicts. It should work well with all mods (including any other loan type mods) because it has its own resources.


Changelog
  • 10/10/19: Updated to 2.0, now includes:
    ♦ Teens now take out a loan
    ♦ Late Fees added
    ♦ Fixed a couple issues
    ♦ Request Loan Forgiveness now costs §1,000 Simoleons.
    ♦ Request Loan Forgiveness menu is now back in the SimCity Loans computer menu.
  • 6/22/19: Fixed 24 and 36 payments charging the same amount as if it would a 12 payment.
  • 6/19/19:
    ♦ You can now choose how many payments while selecting the loan amount. Different versions are now obsolete.
    ♦ Sims can no longer Take over a loan if they're already responsible for another.
    ♦ Fixed issue with French translation improperly displaying the payments on the loan packet. (Thanks to Jamjars for the report!)
    ♦ Cleaned up code
  • 4/16/19 - Fixed missing strings caused by patch & Added SimCity Loans menu to the new laptop
  • 3/22/19 - Fixed loan payments not reducing when paying in full for 24 and 36 payment versions. Thanks @RaZeR for pointing it out!
  • 3/11/19 - Added 24 and 36 payment versions as requested.
  • 3/4/19 - Added SimCity Loans to StrangerVille laptops and moved the SimCity Loans menu further back so it's not on the first page (you'll now have to click More Options.. to get to it)
  • 2/25/19 - Minor Tuning Fixes (special thanks to scumbumbo's Tuning Error Notifier tool). Added Polish Translations thanks to pawlik5556.

Translations
The translations below can be found on my site :
  • Chinese Translations (by Miaow_CC)
  • Czech Translations (by DannyLady)
  • Dutch Translations (by TessMoana)
  • Finnish Translations (by Iiruliini)
  • French Translations (by Maia Game & Candyman)
  • German Translations (by ł₥₳Q₮₱łɆ & Mr_TreeX)
  • Polish Translations (by pawlik5556 & IlkaVelle)
  • Portuguese Translations (by ManyWhiTe)
  • Russian Translations (by AnnieHugss)
  • Spanish Translations (by Panko81 and Don)
  • Swedish Translations (by Eilienn)

heidi137 9th Feb 2019 8:46 PM

Nice work, thank you for all this beautiful sharing

Nintai 9th Feb 2019 11:05 PM

This is a really good idea. Thank you very much.

Brezchette 10th Feb 2019 12:03 AM

Thank you so much for this! Been waiting for a mod like this :D

eskie227 10th Feb 2019 12:11 PM

Great idea! The one thing I couldn't find was how often are the payments due for either pay in full or installments?

delightfulcoco31 10th Feb 2019 2:26 PM

This is awesome! The mod adds more "realism" to the Sim world and I really like that. Too often I find my sims having too much simoleons and not enough financial activities to use it! Thank you!

DiamondIce 10th Feb 2019 2:54 PM

This is so cool, can't wait to play with it! :D

Stheno 10th Feb 2019 4:31 PM

A mod i never thought i needed thank you <3

2cool4u_1 10th Feb 2019 5:02 PM

Thank you. I've been doing this manually, for ages. This is well thought out, and very much appreciated.

bigpeaches 10th Feb 2019 5:40 PM

I'm loving it! Thanks for sharing.

scarletqueenkat 10th Feb 2019 5:46 PM

Quote:
Originally Posted by eskie227
Great idea! The one thing I couldn't find was how often are the payments due for either pay in full or installments?


It's in the post :

Quote:
If your sim doesn’t make a payment (or pay in full) within 48 hours, he/she will receive a Loan Payment Due (fine mood) buff. If your sim ignores this buff for 24 hours, this buff will turn into a Loan Payment Overdue! (stressful mood) buff. The only way to remove this is to make a payment (or pay in full).

PolarBearSims 10th Feb 2019 6:56 PM

Thank you! I love making my sims lives harder and this just adds to the realism of taking out a mortgage.

skyty 10th Feb 2019 7:16 PM

So, if you don't pay, you only get the negative moodlets ?

scarletqueenkat 10th Feb 2019 7:34 PM

Quote:
Originally Posted by skyty
So, if you don't pay, you only get the negative moodlets ?


Correct.

KaitlynneC 11th Feb 2019 3:31 PM

Does this mod conflict with the SNBank mod?

scarletqueenkat 11th Feb 2019 4:09 PM

Quote:
Originally Posted by KaitlynneC
Does this mod conflict with the SNBank mod?


Check the Mod Conflicts section in the main post:

Quote:
It should work well with all mods (including any other loan type mods) because it has its own resources.


That includes SNBank

danielean90 11th Feb 2019 6:13 PM

doesen't work on my game
i tried to use this mod without any mods, and a new save file, but i don't see the "sims Bank Loans" on my sims pc.
please, help me

scarletqueenkat 11th Feb 2019 6:52 PM

Quote:
Originally Posted by danielean90
doesen't work on my game
i tried to use this mod without any mods, and a new save file, but i don't see the "sims Bank Loans" on my sims pc.
please, help me


You probably don't have it installed properly. Make sure both the .ts4script and .package are together and no more than one sub-folder deep in your Mods folder. Also, make sure you have Enable CC/Mods and Script Mods Allowed checked in your Game Options.

MonicaChurch 11th Feb 2019 8:16 PM

Its a good mod but I swear its making my game lag really really bad when i use it. i removed all my other mods and it still seems to be doing this

scarletqueenkat 11th Feb 2019 8:34 PM

Quote:
Originally Posted by MonicaChurch
Its a good mod but I swear its making my game lag really really bad when i use it. i removed all my other mods and it still seems to be doing this


I have this mod along with many other mods installed and have no lag, so I don't know what to tell you. Lag depends on your computer specs and the amount of Mods/CC you have. You may want to clear your caches. Have you been getting any LastExceptions?

dante9898 13th Feb 2019 2:51 AM

Should make it that if you take longer than 48 hours you start getting constantly called asking to pay for your loan, giving you more debuffs like being embarrassed or sad. Longer than X hours and they start taking stuff out of your house :P

InfinitePudding 14th Feb 2019 4:21 AM

Thanks for making such a cool Mod I find myself needing extra Simoleons sometimes but I hate to cheat and this is a perfect fix!

FarawaySon 23rd Feb 2019 3:55 PM

Excellent mod...it makes so much sense! I mean, why wouldn't you have loans in the game? Not everyone wants to use 'motherlode' as it feels like you're cheating! Couple this with Scumbumbo's Sim Lottery mod and we're cooking by gas!

scarletqueenkat 23rd Feb 2019 5:07 PM

Status for 1.50.67
 
SimCity Loans is compatible for 1.50.67 (February 21st ) patch. To see the status of all my mods, you can always check the status posts on my Tumblr.

SleezySlakkard 24th Feb 2019 5:00 PM

I really like this mod, it is very well done, but I feel like there is not enough consequences for not being able to pay the loan back. Sure, you get the mood penalty but that seems to be just a very mild annoyance. Don't get me wrong - not saying you didn't do great work but for me personally it just feels to close to using the money cheats.


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