Loan rates

Can we make the rates in loan be decided by the player so that everyone can make money and also use loans to help and build economies

Higher Tax Rates might seem a good idea on the Loan-Giver Side, but this would mainly profit older players with bigger moneybags while increasing cost of new-player countries.
You get loans anyway whenever you need them and arent THAT badly in dept.

The problem with having more money then you need is that besides investing it into war or creating inventive ways to sell SC$ for GCs there is no ingame mechanic in which you can make good use of that extra-bucks.

The one sentence suggestions make me wonder if this has been thought out. I currently have $220 Trillion lent out and about 10 times that offered. Does the original poster believe that if loan rates were affected by market forces that it would be possible to charge more for loans?

As Borgqueen said, there is a lack of options of what to do with a lot of cash at the high end. If you forgo military (or are simply an enterprise), what do you do with your cash? I my case, I have the military, and continue to make investments in it, but still have a considerable amount of cash left. Is there any use for this cash other than maxing out loans?

I just want it to be easier to give out money and also so that corps and countries can borrow from one another. Like if i met a new player. I would help them out with a 3% interest rate so that they can grow. I think most of us would understand or feel that sim is dying??? So anything helps and we really need to revolutionize this game to recruit more people if possible.

gmm54: Stop pretending that it is necessary to tell other the state of game activity like you are the only one that knows. Have you read my Game Level guide and Path of a Warrior guide on the beginners forum? Both describe ways to build large amounts of wealth in short periods of time.

Something you may not know is that the interest rate is calculated for real years, not game years. Interest is not a significant expense or a source of significant income for anyone. In one game month, the interest on a $200 Billion SC$ loan is $11 Million SC$. No one is going broke paying interest.

Edit: For some comparison, this would be like borrowing $200,000 and paying monthly interest of $11. For those that play this game that have credit cards, mortgages, or similar loans, who among you would not consolidate your real life loans with an offer like this? I could live in a castle with an attached garage full of cars for every day of the week with such an offer.

Aries the game is dying. Instead of trying to attack others. Let's try and grow the game base . I like this game and the players. I want to try and maybe help grow the game base. I know what it means with loans but I want new people to want to build large economies quickly. Quicker growth and easier growth helps others

Please bear with me on this. I'll get to a point eventually.
Back in the day, freightliner trucks were cheap, rickety machines; very basic controls, and everything vibrated. Thus, they were nicknamed 'freightshakers'. They were held in contempt by truckers. Next to a Mack truck, they were the second least prestigious trucks on the road. You pretty much had to be a humble man to drive one of them, let alone own one.
But then Daimler merged with Chrysler. The pairing was a disaster for both companies. But the one odd thing that happened was Daimler let their Mercedes engineers cut loose on the Freightliner trucks. The engineers did little to the exterior. Just a few tweaks here and there. They dropped a whole new line of Detroit Diesels in there. But that new engine was already scheduled to go in them anyway.
But the Mercedes engineers ripped out the whole interior and started over. By the time they were done, the whole dashboard was changed. The seats changed, the windows changed, everything inside changed. Suddenly, freightliners really were the 'mercedes of trucks'. They became highly sought after, and very prestigious.
It took a few years, but they eventually worked all the squeaks out of the interior too. Now they look and feel just like a mercedes. And if you're going to spend 10 hours a day behind the wheel, why wouldn't you want to be in a mercedes?

The point is, this game may not need any tweaks under the hood. It may just need a whole new dashboard and controls. Completely revamp the user interface so we would want to spend 10 hours a day using it - and it does not feel like mindless tedium.

I am still wondering what adjusting loan rates fixes and how changing those rates fixes it. Charging a new player $3 million per $200 billion instead of $11 million will not allow them to grow any faster. A new player gets $400 billion just for logging in and another $30 billion/game month in beginners bonus. If they were to borrow, lets say, $5 Trillion, a hefty sum for a player you say is counting their dimes, would saving $200 million/game month make any difference?

On the other hand, point them to my Game Level and Path of the Warrior guides on the Beginners forum. A new player can actually learn stuff and use their beginner's income to earn 10s of Trillions and hundreds of coins in a short time. That sounds a heck of a lot better than taking on debt.

That new player is far more likely to waste their newly earned 110 coins for game levels 1-4, an easy level to get. Sell these to the GM, and a new player would collect $3.19 Trillion. Go to direct trade and purchase my power and then sell on your world and the new player would collect $20 Trillion. They would lose nearly $17 Trillion without this knowledge. Are we still talking about saving $200 Million/game month?