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Probably I am missing something, but in Patrician i, I seem to be regularly incurring debt from craftsmen automatically even if I did not actively take out a loan from the bank. And when I go to the bank and click on repay, it shows me the debt usually at very high interest rate like 108%, a loan which I did not take. If I clear this debt, then again some days later another debt piles up. So how is this happening?
Note: The debt is always incurred in the home city.
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aureliussr: Probably I am missing something, but in Patrician i, I seem to be regularly incurring debt from craftsmen automatically even if I did not actively take out a loan from the bank. And when I go to the bank and click on repay, it shows me the debt usually at very high interest rate like 108%, a loan which I did not take. If I clear this debt, then again some days later another debt piles up. So how is this happening?
Note: The debt is always incurred in the home city.
If you don't have money in your mainbase; and you're lets say constructing warehouses you still have to pay for the construction so you automatically take out bad loans to cover for it.
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aureliussr: Probably I am missing something, but in Patrician i, I seem to be regularly incurring debt from craftsmen automatically even if I did not actively take out a loan from the bank. And when I go to the bank and click on repay, it shows me the debt usually at very high interest rate like 108%, a loan which I did not take. If I clear this debt, then again some days later another debt piles up. So how is this happening?
Note: The debt is always incurred in the home city.
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Ciryadin: If you don't have money in your mainbase; and you're lets say constructing warehouses you still have to pay for the construction so you automatically take out bad loans to cover for it.
Yes indeed. Thanks.
I experienced this even without any current constructions, no staff hired, nothing.
So quickly earn some 10k money, put 10k in your home base and that's it.
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Apollo346: I experienced this even without any current constructions, no staff hired, nothing.
may come from the taxes you have to pay?
Yes, could be. Or any other small expenses. But it happened to me very early, at a time when I had no employees, no warehouses rented etc. Confused me a bit, but just do few fur deals and you can forget about this pain point.
The mysterious debt which seems to appear out of nothing is related to the Main Office taxes.
If one forgets to transfer money from the ship to the office then - during a trade run - one automatically gets in debt since the city gives an average of 1000 thaler credit.