Taking loands - what's the consequences?

**Seleucus I Nicator** · May 29, 2007, 01:19 PM

I have taken lots of loans in my current game to replenish my armies. Is there any consequence of taking them?

**Spart** · May 29, 2007, 01:40 PM

You'll have to pay them back at some point, with interest. If you can't.. Well, you'll go broke, and that sucks.

**Seleucus I Nicator** · May 29, 2007, 02:27 PM

Ah, that explains my monthly -10 ducats income. I took a loan of like 600 ducats, haha.

**John I Tzimisces** · May 29, 2007, 04:09 PM

Bankruptcey is a very grievous thing to have happen to you. Your armys' morale is halved, you take a stability hit, and your revolt risk is increased. I'm not quite sure how to resolve bankruptcey because if I've gotten to that point, I'm pretty sure I'm fairly boned.

**Carach** · May 30, 2007, 01:06 PM

i once went bakrupt and took out a loan, it sent my inflation to 12% and took years to get back down, although i was in a pretty decent position in the world by the time that happened so had no major consequences - unlike someone i know who had some 80% inflation :/ - thats when your "boned"... lol..

**Arakorn** · May 30, 2007, 01:23 PM

I went bankrupt in my current game as Denmark. The growth for that season was bad and either I had to get an army of 4 rebel units in a remote province (West of Bremen), or then pay 30 ducats. Because it was so remote I chose the latter (even though I had only ~22), and so I had to take a loan of 200. Now that I had the money I just spent everything on spamming colonialists at Lappland!

**Seleucus I Nicator** · May 30, 2007, 01:53 PM

Hehe, I took loans of 800 ducats in my game as Sweden to defeat Denmark in a war. Needless to say, I won the war because I was able to spam countless mercenary units. But I ended up as the loser, because of going bankrupt from the loans along with the troop upkeep.

I stopped that game, though. It wasn't any fun being unable to build/train anything, and Sweden is in my opinion a boring faction to play as. Now I started a game as Poland, in which I'm having a good deal of fun. It is my favorite faction so far.

**Narakir** · May 31, 2007, 01:46 AM

Sometimes you can do what I call a "strategic sucidal bankrupt" in the early game when you're a small isolated country and your stability can recover easly. As scotland set my national idea to have a better army I charged right on the british without cassus belli and went for peace taking some of thier provinces. Then I went bankrupt, my army was already disbanded and my stability awfull the only problem was inflation that's why I switched my national idea to national bank and started to build and restore order but with some new provinces to tax...