Royal? Eh.
Basically you can borrow tu or cp. Return to me later.
Staff can borrow up to 500mil. / 1000cp
People that I know / are familiar to me can borrow up to 300mil. / 600cp
Users who have been here for over a year can borrow up to 100mil. / 200cp
Otherwise the standard is 50mil. No cp sorry. :(
Users must send items of almost/approximate value to me to hold, if payment not met.
Users have two weeks of interest free time after the sent date.
After the initial two weeks, there will be a 5% interest rate applied on tu and a 10% interest applied on cp every two weeks.
CP must be payed back in CP. NO EXCEPTIONS
IF USER DOES NOT PAY BACK LOAN IN 3 MONTHS, ITEM OF APPROXIMATE VALUE WILL BE SOLD OFF.
Q. If I loan 100mil, and pay back 50mil in the interest free two weeks, how much would I owe?
A. 50mil.
Q. If I loan 100mil, and pay back 50mil in four weeks, how much would I owe?
52.5mil. The interest is taken on the amount LEFT. Not the INITIAL loan.
Q. What if I get banned?
A. Uh. I don't think you'd have to pay me back. But you wont get your item back either.
Q. What if I get banned, but not permabanned?
A. Hopefully you can contact staff, and then staff can then contact me. I will wait 7 days from the day i discover that you have been banned. If there is no mail/message sent to me about you status, i will just assume that you were permabanned.
Q. Can I take two loans out at the same time?
A. Yes. However, they can't go over the specified amount on the top. So if you are a user who has not been here for over a year, and borrow 25mil initially, you can borrow another 25mil on top. Keep in mind that there will no extra interest free time.
Edit:
CP is valued at 1mil/cp when borrow cp. Item(s) send should correspond with that conversion factor.
Tu available for lending: 525,000,000 / 1,000,000,000
CP available for lending: 3,000/3,000
Lent:
Startla | 2017/04/11 | 50mil —— Albino Zaphao
Keith | 2017/04/11 | 400mil —— Black Jahra and Wyrae
Startla | 2017/04/13 | 75mil —— Albino Zaphao
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