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Lending gp

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Vicecitygrif
Sep Member 2017

Vicecitygrif

Posts: 825Gold Posts by user Forum Profile RuneMetrics Profile
Enables higher guarantee of loans paid back, a system where more people take on debt to afford things they previously couldn't, and potential source of profit for loaners.

How would this work? You can only lend/borrow a certain amount at a time from banks (but unlimited from real players), earn a credit score for future borrowing (with increases), gp is automatically transferred back to lender after a certain time or when that gp amount is earned by the borrower. (Items are automatically sold). Also you wouldn't be able to abuse this because of borrowing limits and being unable to give that money away or risk it before you pay it back

Loaning from banks and from players

Interest rates

Credit systems -
account age, achievements, playing time
credit history

28-Sep-2017 23:01:44 - Last edited on 14-Oct-2017 19:29:07 by Vicecitygrif

MystLunaris
Jun Gold Premier Club Member 2017

MystLunaris

Posts: 203Silver Posts by user Forum Profile RuneMetrics Profile
No support.
Waaay too much hassle than it's worth.
Some players could become indefinitely stuck in debt.
Other players may start acting like loansharks towards other players.
And there's going to be countless amounts of players whining and begging Jagex staff to help them with their debt and either get another player off their back or to make another player pay up.
And I really don't want anyone's time to be wasted trying to clean up all that mess.
99-120 Skill content
Skilling boss ideas
Talents

28-Sep-2017 23:10:03

Vicecitygrif
Sep Member 2017

Vicecitygrif

Posts: 825Gold Posts by user Forum Profile RuneMetrics Profile
What's the hassle? It's very worth it, because that way there's much more guarantee the money is paid back.
Like I said, you can't keep borrowing if you are already in a certain amount of debt.

28-Sep-2017 23:19:27

Keentsburger
Jan Member 2015

Keentsburger

Posts: 186Iron Posts by user Forum Profile RuneMetrics Profile
It's an interesting idea in general, however as described I don't see it working. There would be too much risk pertaining to the 'credit score' aspect-- I could see a lot of potential for players abusing this, taking advantage, scamming etc.

Perhaps a more realistic option might be to introduce an in-game CD (certificate of deposit) tying the players money up for a specified amount of time, earning them a specific amount of interest/profit (i.e. x% per week, per month, etc). This eliminates the aforementioned abuse risk.

Personally, I am all for bringing back lending. It seems lending items has died over the years which in my opinion is quite unfortunate.

29-Sep-2017 00:03:31

Vicecitygrif
Sep Member 2017

Vicecitygrif

Posts: 825Gold Posts by user Forum Profile RuneMetrics Profile
You can already lend out money to people, but this would give more of a guarantee they pay back. Also you wouldn't be able to abuse this because of borrowing limits and being unable to give that money away before you pay it back

29-Sep-2017 18:51:07 - Last edited on 29-Sep-2017 18:53:54 by Vicecitygrif

Shadow Mist
Dec Member 2013

Shadow Mist

Posts: 766Gold Posts by user Forum Profile RuneMetrics Profile
Absolutely no support. What if I just borrowed 500M from someone then transfer that loan to another player and the one who borrow quits? You'll never get that money back. It's a scam waiting to happen...You going to tell me that Jagex would put a tracker on the loaned GP?

30-Sep-2017 00:12:16

Shadow Mist
Dec Member 2013

Shadow Mist

Posts: 766Gold Posts by user Forum Profile RuneMetrics Profile
Regardless of that one line at the end. Some dude can just borrow 500M quit and then the one who lent it is still at a huge loss. So it just still proves my point that this is a horrible idea. And don't tell me that if this happens the borrower can place a lean against the player who quit, lmao.

01-Oct-2017 14:48:39 - Last edited on 01-Oct-2017 14:49:11 by Shadow Mist

Vicecitygrif
Sep Member 2017

Vicecitygrif

Posts: 825Gold Posts by user Forum Profile RuneMetrics Profile
Shadow Mist said:
Regardless of that one line at the end. Some dude can just borrow 500M quit and then the one who lent it is still at a huge loss. So it just still proves my point that this is a horrible idea. And don't tell me that if this happens the borrower can place a lean against the player who quit, lmao.


yeah but you can already lend 500m, this method would just give more of a guarantee the lender gets their money back

04-Oct-2017 03:31:32

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