Cyanide
Well-known member
- Location
- Oxford, United Kingdom
My suggestion is pretty simple, I think there should be other ways to get houses instead of just paying for them outright. So my suggestions are as follows.
Mortgage: This would be fairly simple, you pay X amount up front, then each week you pay a % of what you have left to repay as well as the interest for using the mortgage option. Failure to pay X amount each week would mean your house would get "prepossessed". Pretty sure its obvious why I think this should be implemented. A lot of people want houses, but can't afford them straight up. So this would lighten the load. So as an example, someone wants to get a Mortgage on a £250,000 house. They put a 20% deposit down (£50,000), and they have to pay £25,000 a week + 10% interest. Making the total cost £275,000 (if I'm correct) and it would take a total of 8 weeks, with the possibility to reduce that say they paid more than £25,000 one week. The only downside to this I can see is that if people know they can't afford a house, but still use this option they can basically take up the expensive houses.
Renting: Again fairly simple, the pay X amount a week. If they don't, get lose the home. This would have to be around £500-£10,000 a week tops to make this a viable option. However this means that somebody gets a temp option, while they're saying up either for a Mortgage or to outright buy a house.
I get these might not be top priority, but I personally think that they would be a nice QoL and realism addition to the server
Mortgage: This would be fairly simple, you pay X amount up front, then each week you pay a % of what you have left to repay as well as the interest for using the mortgage option. Failure to pay X amount each week would mean your house would get "prepossessed". Pretty sure its obvious why I think this should be implemented. A lot of people want houses, but can't afford them straight up. So this would lighten the load. So as an example, someone wants to get a Mortgage on a £250,000 house. They put a 20% deposit down (£50,000), and they have to pay £25,000 a week + 10% interest. Making the total cost £275,000 (if I'm correct) and it would take a total of 8 weeks, with the possibility to reduce that say they paid more than £25,000 one week. The only downside to this I can see is that if people know they can't afford a house, but still use this option they can basically take up the expensive houses.
Renting: Again fairly simple, the pay X amount a week. If they don't, get lose the home. This would have to be around £500-£10,000 a week tops to make this a viable option. However this means that somebody gets a temp option, while they're saying up either for a Mortgage or to outright buy a house.
I get these might not be top priority, but I personally think that they would be a nice QoL and realism addition to the server
