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Tibia Lending and Borrowing

Would you like a gold lending and borrowing system in Tibia?

  • Yes

    Votes: 8 50.0%
  • No

    Votes: 8 50.0%
  • Other (Discuss)

    Votes: 0 0.0%

  • Total voters
    16
a better idea is to make a charity fund where players can donate cash and noob gear for new players

no one in his right mind is going to lend out anything to noobchars and expect to make a profit
They aren't actually "lending" anything. It's just a number to figure out the funding. See my post above.

Whatever they put into the fund will automatically start gaining interest. If you are in your right mind, you'd lend gold instead of hoard it in your bank.
 
Actually there is an easy solution for the "not-repaying-problem".

Make it so in order to borrow X amount of money you have to put something that values at the same as a guarantee, be it a house, equipment, or even the account.

So, let's say a lvl 100 knight wants to borrow 100,000 gold. Well, the character will have to drop as a guarantee items that are valued (by NPC) at that amount and a bit more, so for example he drops a Magic Plate Armor (90,000 gps) and Golden Legs (30,000 gps).

Now, once the bank marks these items, there could be a system that prevent this char from trading them, dropping them in the floor, or even from dropping it when dying (in order to avoid people from exploiting this in order to protect their whole eq with a Red Skull it could be done so if you die without blessings, AOL, or on a redskull while wearing these items you will get a huge exp penalty on death.

So if the lvl 100 dies while being a redskull and wearing the MPA and Golden Legs, he'd lose something like 30 levels, lowering its level from 100 to 70; also, the highest the lvl the higher the penalty, a lvl 1,000 could get a 200 level penalty.

Then, after the prescribed days passes, if the character doesn't have enough money in the bank, DP or Bp, the MPA and GL will be seized automatically.

It sounds complicated, but this is the only way I can think off that could be "fair" so it's not exploited, and there's is fear from not paying your debts (like in real life lol).
 
@DonVic
this is how pawn shop works


Maybe a well skilled Town Guards

for example:

low loan - weaker guard(s) in lesser group (allows a person to run/kill guards which lead to bounty grow)
high loan - harder enemies

aol shouldn't be working - even with 1 hp lost due to a guard all loot should disappear (be moved?), priced and bounty should been reduced.

maybe some formula calculating it also for exp? idk, i think it should all stay on server side and you mustn't allow people to buy bounties as it will cause mechanic break. in rl citizens also do not help police or other services. for some reasons.


Thing that is really taking my head now, is how to calculate possible loan as there is no such recipes in game to prove NPC that player earned exact ammount of gold/items.

Everything would need uniquePlayerID - but would also come with proove in case of any swaggering in player database (like selling items for rl money etc.)
 
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