|
Services |
Rate |
|
Loan Gold |
1.1x-1.9x Late Fee: +.1x each year with debt |
|
Invest Gold |
1.01x-1.09x |
|
Withdraw Investment |
.01%, -.001% per month until no fee |
|
Rent Magic Item |
11-19% of est. value. Late Fee: 50% est val Lost Fee: 150% est val or 1500gp |
|
Invest Magic Item |
.01%-.001% of est value, Return Fee: 10% est val or 1500gp, Instant Return Service: 2000gp |
Taking a Loan
Each debtor is given an interest rate based on their scores on the Speyish Citizenship Assessment (ranging from 1.1x to 1.9x). Each month that passes, their debt is increased by the interest rate. Failure to pay quickly will result in a higher difficulty of acquiring future loans and an increased interest rate.
Investing Money
Investors earn an interest based on their scores (1.01x to 1.09x). Each month their invested balance increases by the determined value.
Renting a Magic Item
Renters may pay the deposit on a magic item at the current location to use it for a predetermined amount of time. Failure to return the item to any branch within that time will result in increased fines and potentially a bounty placed on the renter's acquisition.
Investing a Magic Item
Owners of magic items may invest them to earn an interest for as long as they are invested. If an owner desires to withdraw an item that is currently being rented out, they must wait until it is returned, or pay a large fee to have it immediately returned. Owners may specify maximum rental lengths and off-the-shelf periods between rentals to increase the likelyhood of having it available as they need, but these reduce the interest rates. As a premium service, owners may also pay to be provided a magical sapphire, that when crushed, returns the item to them immediately.
https://docs.google.com/spreadsheets/d/1L2rrIKM5Wq7C6QR31fvVoM5cjDLlqSCahmZXOENeZjQ/edit?usp=sharing