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 a

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.
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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 Trilli