Page 1 of 2

Increase loan limit?

Posted: Sun Oct 06, 2019 12:33 pm
by mexel75
Is there any way or mod that could let me increase the loan limit? And if so, can I keep this loan limit modification restricted to one particular saved game?

Re: Increase loan limit?

Posted: Sun Oct 06, 2019 1:48 pm
by FarmerLee73
Guess you could edit the xml's of the save game to show the amount you want, ie change the cash value that you have and add the same amount to the loan total that you have, can't say I have ever needed to increase the load limit, in fact I very rarely even need to take out a loan.

Maybe some other farmers on here may know a better way.

Re: Increase loan limit?

Posted: Sun Oct 06, 2019 3:08 pm
by Frick

Re: Increase loan limit?

Posted: Sun Oct 06, 2019 4:34 pm
by mexel75
Yeah thanks for the tip, but this only allow me to add money. The gameplan was to be able to take a bigger loan at the start of the game, to get a boost. But then start paying it all back. So I'm only looking for being able to raise the loan limit, not just adding money. But it doesn't seem possible to do that I guess.

Re: Increase loan limit?

Posted: Sun Oct 06, 2019 4:53 pm
by Rasping rabbit
As far as I know, the loan limit is worked out on how much land you own. You could always add in money, buy land you aren’t planning on using and increase the loan limit that way.

It’s a long way around but may work

Re: Increase loan limit?

Posted: Sun Oct 06, 2019 5:00 pm
by Eische
Edit the savegames xml files:
careerSavegame.xml --> money
farms.xml --> loan and money

Just increase your loan and money accordingly. make sure to put same money value in both files. This daes not increase your loan limit, but you can get higher initial loan at the beginning.

Re: Increase loan limit?

Posted: Sun Oct 06, 2019 5:03 pm
by mexel75
Rasping rabbit wrote:
Sun Oct 06, 2019 4:53 pm
As far as I know, the loan limit is worked out on how much land you own. You could always add in money, buy land you aren’t planning on using and increase the loan limit that way.

It’s a long way around but may work
I tried that :smileynew: . Doesn't work

Re: Increase loan limit?

Posted: Sun Oct 06, 2019 5:06 pm
by mexel75
Eische wrote:
Sun Oct 06, 2019 5:00 pm
Edit the savegames xml files:
careerSavegame.xml --> money
farms.xml --> loan and money

Just increase your loan and money accordingly. make sure to put same money value in both files. This daes not increase your loan limit, but you can get higher initial loan at the beginning.
Yeah, I guess that's the only way. I would prefer though to take my loans in game. But is doesn't seem possible to raise the loan limit in some XML file. But thanks for your suggestions

Re: Increase loan limit?

Posted: Sun Oct 06, 2019 7:40 pm
by Doc3d
Im surprised nobody mentions seasons or real life numbers. Both of these mods adjust how much loan you can take out and raises the limit significantly over vanilla FS as far as I know.

Re: Increase loan limit?

Posted: Sun Oct 06, 2019 10:27 pm
by mexel75
Oh really? Just started playing seasons. Will check that out.. thanks

Re: Increase loan limit?

Posted: Mon Oct 07, 2019 5:46 pm
by Thedebe48
From what I've found, purchasing land doesn't always do it right away, but purchasing buildings will. If you put up a bin site or shop, and a few other things, it will let you borrow at around 80% LTV of your total assets owned.

Re: Increase loan limit?

Posted: Tue Mar 03, 2020 10:54 pm
by Max4hdmatt77
On welker farms on console on seasons just owning the main field that you start with I was able to take out a 1 mil loan. Bought field 3, 21, 22 and my loan is now maxed out at 3 mil. My somewhat goal is to just take as much out of loans as I can in the first year. Than work on paying it back the rest of the years

Re: Increase loan limit?

Posted: Thu Aug 06, 2020 1:38 pm
by samlarson
On welker farmson console on seasons just owning the main field that you start with I was able to take out a 1 mil loan. Bought field 3, 21, 22 and my loan is now maxed out at 3 mil. My somewhat goal is to just take as much out of loans as I can in the first year. Than work on paying it back the rest of the years
Taking as many loans as possible are my usual strategy in all simulators. But this strategy backfires like half of the times because if I fail to build my economy enough to cover my margins they snowball me to the oblivion

Re: Increase loan limit?

Posted: Thu Aug 06, 2020 3:23 pm
by Kamoore65536
samlarson wrote:
Thu Aug 06, 2020 1:38 pm
Taking as many loans as possible are my usual strategy in all simulators. But this strategy backfires like half of the times because if I fail to build my economy enough to cover my margins they snowball me to the oblivion


Welcome to real life farming.

Edit Alagos: fixed quote

Re: Increase loan limit?

Posted: Thu Aug 06, 2020 9:34 pm
by CaptGoodvibes
IIRC, the loan limit has a direct correlation to your assets. Increase your assets and you can take a bigger loan. AFAIK, it's 50% max.