Heartland Agricultural Bank (Realistic Loan System) v1.0.0.0

Heartland Agricultural Bank (Realistic Loan System) v1.0.0.0 Heartland Agricultural Bank expands Farming Simulator 25’s basic loan system into a realistic agricultural banking experience. CONTROLS B Open or close the bank NUMPAD 7 / 9 Previous or next banking tab NUMPAD 8 / 2 Move up or down NUMPAD 4 / 6 Adjust choices, statements, and inbox messages ENTER Confirm or submit NUMPAD 1 Extra $10,000 principal payment NUMPAD 3 Full loan payoff NUMPAD 5 Open customer services NUMPAD 0 Close the bank CURRENT FEATURES Six agricultural loan products Loan application and approval system Named agricultural loan officers Farm credit score system Asset-based borrowing eligibility Credit-based fixed APRs and dynamic prime rate Automatic amortized monthly loan payments Persistent loan/payment data across saves and restarts Monthly loan statements Secure banking inbox Application and origination fees Late fees and past-due accounts Collections and default progression Restrictions on new financing while delinquent Customer relationship tiers and rewards Payment protection insurance Payment deferral requests Loan refinancing Extra principal payments Full early payoff ACCOUNT DELINQUENCY 1 missed payment: Past Due 2 missed payments: Collections 4 missed payments: Default Late fees are 5% of the monthly payment, with a $75 minimum and $2,500 maximum where applicable.