Increase loan limit?

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mexel75
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Increase loan limit?

Post by mexel75 » Sun Oct 06, 2019 12:33 pm

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?
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FarmerLee73
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Re: Increase loan limit?

Post by FarmerLee73 » Sun Oct 06, 2019 1:48 pm

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.

Frick
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Re: Increase loan limit?

Post by Frick » Sun Oct 06, 2019 3:08 pm


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mexel75
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Re: Increase loan limit?

Post by mexel75 » Sun Oct 06, 2019 4:34 pm

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.
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Rasping rabbit
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Re: Increase loan limit?

Post by Rasping rabbit » 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

Eische
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Re: Increase loan limit?

Post by Eische » 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.
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mexel75
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Re: Increase loan limit?

Post by mexel75 » Sun Oct 06, 2019 5:03 pm

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
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mexel75
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Re: Increase loan limit?

Post by mexel75 » Sun Oct 06, 2019 5:06 pm

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
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Doc3d
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Re: Increase loan limit?

Post by Doc3d » Sun Oct 06, 2019 7:40 pm

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.

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mexel75
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Re: Increase loan limit?

Post by mexel75 » Sun Oct 06, 2019 10:27 pm

Oh really? Just started playing seasons. Will check that out.. thanks
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Thedebe48
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Re: Increase loan limit?

Post by Thedebe48 » Mon Oct 07, 2019 5:46 pm

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.

Max4hdmatt77
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Re: Increase loan limit?

Post by Max4hdmatt77 » Tue Mar 03, 2020 10:54 pm

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

samlarson
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Re: Increase loan limit?

Post by samlarson » Thu Aug 06, 2020 1:38 pm

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
Last edited by samlarson on Wed Aug 12, 2020 5:35 pm, edited 3 times in total.
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Re: Increase loan limit?

Post by Kamoore65536 » Thu Aug 06, 2020 3:23 pm

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


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CaptGoodvibes
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Re: Increase loan limit?

Post by CaptGoodvibes » Thu Aug 06, 2020 9:34 pm

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.
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