Possible BUG in company purchase agreements:

from Stardock Forums
Wanted to buy a constructor, here are were the options:

960BC bought outright.

760; 21x48 = 1768 over the life of the loan.

290; 11x89 = 1269

195; 5x223 = 1310

What stands out in this to me is that there should be a natural curve to a higher price as your monthly payments get lower, or was there another philosophy behind this? As it stands there's no benefit to paying it off faster at the 21x48 rate, in fact you lose serious money. It should be more like:

960; ----- = 960
520; 40x18 = 1254
325; 15x84 = 1585
145; 7x2406 = 1825

Does this make better sense? The math isn't very difficult to come up with these. Of course I could be missing the point behind the way it is now...

-sigh- there's still a lot of "cheese" (beginning to hate that word) to this loan for items idea bottomline, because as you near the end game you can take out bajillions of the low cost long duration loans without much capital, use what you bought and within a few months (long before you feel the financial strain of paying them all off) end the game, but I won't mention that... oops. ;)

~SDC~
402 views 11 replies
Reply #1 from Stardock Forums Top
oops that should read:

145; 7x240 = 1825 NOT 2406!!! grrr......

~SDC~
Reply #2 from Stardock Forums Top
Maybe it should shorten the terms of the loan the closer you are to any particular type of victory. At 90% victory, the longest term loan might be 20 months instead of 225 months.

~SDC~
Galactic Civilizations III
Reply #3 from Stardock Forums Top
This whole thing would be a minor point, anyway, but yeah, your ideas seems sound.

~SDC~
Reply #4 from Stardock Forums Top
bump.

Anyone care on this? Mostly on the overall price comparison. Can this issue find a simple, elegant solution?
Reply #5 from Stardock Forums Top
How about a reduction in score based on the amount of loans you still owe? So if I still have to pay X for Y months, my score becomes (Score - (X*Y)) or some variant of this.
Reply #6 from Stardock Forums Top
That works for me.

~SDC~
Reply #7 from Stardock Forums Top
Different loan companies offer different rates and terms.

And as far as you end game situation, just remember, the AI can do the same to you. :)

~SDC~
Reply #8 from Stardock Forums Top
I hope it does!

The different companies offering different rates though doesn't hold water for me- because they're almost always a little screwy, in fact once I could outright build a Constructor for $112 and the companies offered me deals like: 116 20xX 121 XxX and 123 XxX. Which indicates something is *wrong* with the math behind how those are derived.

~SDC~
Reply #9 from Stardock Forums Top
I don't have the game yet (my computer and I currently live in different countries), but...

If you're going to drop someone's score for having outstanding loans, you need to provide a facility for paying them off ahead of schedule (if there isn't one already)
Reply #10 from Stardock Forums Top
Astarach makes a good point. That was what was in my mind when I said you could only drop it as if they didn't have that amount of money. Basically, instead of scoring on cash reserves, you score on assets - debits.

~SDC~
Reply #11 from Stardock Forums Top
Sounds good.

-bump- -ahem- :notsure:

~SDC~