Savings & loans
Both are on by default, and each one can be turned off on its own with Config.Features or in /hzpanel. A page that is off leaves the menu, the server refuses its operations, and no interest or payment is taken. Nothing is deleted: turn it back on and balances and loans pick up where they were.
Savings
Every character has one savings account, used at a counter.
- Move money between the personal account and savings, both ways.
- Interest — 0.5 % every 24 real hours by default, on the lowest balance kept during the period. Money put in just before the payout earns nothing for that period, so depositing and withdrawing around payout time doesn't pay.
- Interest is paid when the player opens the bank or makes an operation. After time away, up to 7 periods are paid (
MaxCatchUp), so a forgotten account doesn't grow forever. - Ceiling — 1,000,000 by default. Interest stops at the ceiling too.
Settings: Savings.
Loans
Credit score
Every character has a credit score, from 300 to 850, starting at 600.
| Event | Points |
|---|---|
| Payment taken on time | +5 |
| Loan repaid in full | +25 |
| Missed payment | −30 |
| Loan in default | −100 |
The offer
The score sets the largest loan and its interest, fixed for the whole loan:
| Score from | Largest loan | Interest |
|---|---|---|
| 300 | 5,000 | 15 % |
| 580 | 25,000 | 10 % |
| 670 | 75,000 | 7 % |
| 740 | 200,000 | 5 % |
Payments
- Each payment is taken from the bank account automatically. A payment due while the player was away is taken when they come back, one at a time.
- If the bank account can't cover it, it is taken from savings (
UseSavings). - If neither can, the payment is missed: a late fee of 5 % of one payment is added, the score drops, and the bank tries again next period.
- After 3 missed payments in a row, the loan is in default: the score drops again, and a server event let your police or debt collection scripts take over. Payments keep being taken until the loan is repaid.
- Players can repay early at a counter, part or all of it. Paying at least one payment clears a late status.
Settings: Loans.
Keep loans above savings. With the defaults, savings over a 12-payment loan earn about 3 % on the money still owed, below the best loan rate (5 %). If you raise savings interest, raise the loan rates too, or borrowing to save becomes a money maker.