Bank And Credit V1.1 fs25-mods

Description:

Bank & Credit introduces a fractional-reserve bank 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 loan types: Annuity (fixed monthly payments), Bullet (interest-only with full repayment at maturity), Revolving (flexible draws and repayments without a fixed term) - Revolving: 1% annual commitment fee on undrawn amounts; optional closure when balance reaches zero - Credit scoring using DSCR (12-month income history with decay weighting) 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 refusals - Risk surcharges added to the base rate: LOW +0%, MODERATE +0.75%, HIGH +2%, CRITICAL +5% - Critical applications are automatically capped at 50% of 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 debt - 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 reports per farm - Configurable base rate (1.25%–5.75%) aligned with persistent monthly market trends - Spread adjustments: Annuity +0%, Bullet +0.75%, Revolving +5% - Early repayment options for Annuity and Bullet loans, with full or partial repayment by months (penalty 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 - Multiplayer support: bank equity and portfolio shared server-side across all farms - Compatibility with FS25_Invoices: invoice income counts toward DSCR history - Compatibility with FS25_RedTape: subsidy and grant income included in DSCR calculations **Important:** This mod replaces the vanilla loan system; any existing vanilla loan balances are cleared at game start. **V1.1.0.0 Updates:** - Fixed persistence of bank settings and multiplayer UI synchronization - Revolving credit limits now adapt to leverage ratio changes - Reworked dynamic interest rates into stable, normal, strong, and exceptional monthly market trends - Adjusted the base rate range to 1.25%–5.75% - Improved multiplayer safety: bank and loan data are only synced from the host, preventing data corruption or tampering. Thanks to KeilerHirsch. - Existing saved base rates above 5.75% are capped at 5.75% - Added compatibility with FS25_additionalCurrencies: loan, repayment, and revolving draw amounts now accept values in the active converted currency