Teens can now take out a loan (previously only available for Young Adult+).
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 applied to this update include:
Your sims 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:
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:
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 (Young Adults and older) 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 (which will cost §1,000), then after 3 days they can apply for a loan again if needed.
♦ Additional Information ♦
NOTE – If you use Basemental Drugs and your Sim gets arrested, they will lose their loan packet. If this happens, you’ll have to use the Request Loan Forgiveness option on the computer.
No additional packs required.
No known conflicts. It should work well with all mods (including any other loan type mods).
*Please delete all previous versions of this mod before installing new ones*
Alternate Download – Google Drive
If you want to use a translation, click on your language below to download the .package. Then, move the .package into your Mods folder WITH the main mod. Do NOT rename!
If you’re interested in translating this mod, download the strings below. Then follow the instructions in Translating Mods.
Note – The mod is in the process of getting updated. Some translations may be removed/added. Therefore, I recommend not translating this mod until version 3 is released.