Bank And Credit FS25

Bank & Credit adds a fractional-reserve bank to Farming Simulator 25. Borrow money, manage your debt and grow your credit capacity by farming. The bank is a standalone virtual entity with its own equity, funded by the interest it collects. Credit is not granted automatically: it is evaluated based on your income and assets. Features: - Three loan types: Annuity (fixed monthly payment), Bullet (interest-only, full principal at maturity), Revolving (draw and repay freely, no fixed term) - Revolving: 1%/year commitment fee on the undrawn portion; voluntary closure when balance is zero - Credit scoring via DSCR (12-month decay-weighted income history) and LTV (asset liquidation value with per-category haircuts) - Five risk levels: LOW / MODERATE / HIGH / CRITICAL / REFUSED - transparent rate breakdown and explicit refusal reasons - Risk surcharges on top of base rate: LOW +0%, MODERATE +0.75%, HIGH +2%, CRITICAL +5% - CRITICAL applications are auto-capped at 50% of the requested amount (the bank still lends, but at a reduced size) - Asset haircuts by category: farmland 70%, livestock 60%, buildings 55%, inventory 50%, tools 50%, tractors 40%, cash 30% - Borrower limit: liquidated asset value plus 24-month income projection, minus existing outstanding debt - Concentration cap: a single farm cannot exceed 25% of the bank's total lending capacity - Loan detail view: full amortisation schedule (Annuity, Bullet) or draw and repayment panel (Revolving) - Bank health dashboard: equity, leverage ratio, outstanding portfolio, internal loss reserve (not player-loan reimbursement), coverage ratio - Annual financial report per farm - Configurable base rate (1.25–5.75%) with persistent monthly market trends - Type spreads: Annuity +0%, Bullet +0.75%, Revolving +5% - Early repayment on Annuity and Bullet loans: full or partial by number of months (configurable penalty 0% - 5%) - Settings (in Game Settings): starting capital (100 k€ - 5 M€), leverage ratio (5x - 20x), base rate, dynamic rate, early repayment penalty - Separate Interest and Principal entries in the Finance tab - Solo and multiplayer: in multiplayer, bank equity and portfolio are shared server-side across all farms - Compatible with FS25_Invoices: invoice income counts in DSCR history - Compatible with FS25_RedTape: subsidy and grant income counts in DSCR history Important: this mod replaces the vanilla loan system. Any vanilla loan balance is automatically cleared at game start.
- Fixed revolving credit limits being changed unexpectedly when loading a savegame
- Fixed bank settings persistence and multiplayer UI synchronization - Revolving credit limits now follow leverage-ratio changes - Reworked dynamic interest rates into persistent monthly market trends with stable, normal, strong, and exceptional movements - Adjusted the configurable base-rate range to 1.25–5.75% - Improved multiplayer safety: bank and loan state is now only synced from the host, preventing corrupted or tampered data on clients. Thanks to KeilerHirsch: https://github.com/KeilerHirsch - Existing saved base rates above 5.75% are automatically capped at 5.75% - Added compatibility with FS25_additionalCurrencies: amount fields for loans, repayments, and revolving draws now accept values in the active converted currency
- Fixed multiplayer synchronization of paid loans and annual reports - Fixed Bank tab display in the menu - Fixed repayment and draw amount fields accepting letters - Added full translation coverage for all 27 supported languages