Need help with loan system

I have a question about my loan system when I offer sat 1T in loans at 12%
Do i get 12% of 1T in repayment
if so does this system work every time even if the loan is repaid early

Actually....it's 12% per Real Life year

If it's repaid early, then you get 8% immediately

12% per real life year thats dumb.....one of the many things wrong with this game

Once you play for a while, you'll realize why they did that.

Besides, I make a decent profit off of loans as they usually pay off. Corps in player countries will usually just take money from the player and pay you off immediately. Players rarely let debt sit and usually initiate ways to pay you off.

Those conditions happen just so often as to have you profit in small amounts.

In the olden days interest on loans generated too much wealth for rich players for next to no work (capitalism, yay). Game economy over-balanced with ppl making ludicrous amounts on interests alone.
W3C used to tax ppl to death during a period if they kept to much cash in the open to "balance" that. This current system is better than that.

maybe it should be realistic and there should be a free market loan system the ability to default and credit ratings

Maybe 12% per RL month?