Bank And Credit V1.1.0.1 fs25-mods

Description:

Bank & Credit introduces a fractional-reserve bank system to Farming Simulator 25. Borrow money, manage your debt, and expand your credit capacity through farming activities. The bank operates as a standalone virtual entity with its own equity, funded by the interest it earns. Credit is granted based on an evaluation of your income and assets, not automatically. **Features:** - Three types of loans: Annuity (fixed monthly payments), Bullet (interest-only with full repayment at maturity), Revolving (flexible draw and repayment, no fixed term) - Revolving loans: 1% annual commitment fee on undrawn amounts; optional closure when balance reaches zero - Credit scoring using DSCR (12-month income decay-weighted history) and LTV (asset liquidation value with category-specific haircuts) - Five risk levels: LOW / MODERATE / HIGH / CRITICAL / REFUSED, with transparent rate breakdowns and clear reasons for refusal - Risk surcharges added to the base rate: LOW +0%, MODERATE +0.75%, HIGH +2%, CRITICAL +5% - Critical applications are capped at 50% of the requested amount; the bank still lends but at a reduced size - Asset haircuts by category: farmland 70%, livestock 60%, buildings 55%, inventory 50%, tools 50%, tractors 40%, cash 30% - Borrower limit: liquidated asset value plus 24-month income projection minus existing debts - Concentration cap: a single farm cannot exceed 25% of the bank’s total lending capacity - Loan detail view: full amortization schedule for Annuity and Bullet loans, or draw and repayment panel for Revolving loans - Bank health dashboard: displays equity, leverage ratio, outstanding portfolio, internal loss reserve, and coverage ratio - Annual financial report per farm - Configurable base rate (1.25–5.75%) with persistent monthly market trends - Type spreads: Annuity +0%, Bullet +0.75%, Revolving +5% - Early repayment options for Annuity and Bullet loans: full or partial, with configurable penalties (0%–5%) - Settings (in Game Settings): starting capital (€100k–€5M), leverage ratio (5x–20x), base rate, dynamic rate, early repayment penalty - Separate entries for Interest and Principal in the Finance tab - Solo and multiplayer modes: in multiplayer, bank equity and portfolio are shared server-side across all farms - Compatible with FS25_Invoices: invoice income counts towards DSCR history - Compatible with FS25_RedTape: subsidy and grant income count towards DSCR history **Important:** This mod replaces the vanilla loan system. Any existing vanilla loan balances are automatically cleared at game start. **V1.1.0.1:** Fixed issue where revolving credit limits changed unexpectedly when loading a savegame.