Money Lender

Author: Trolldemorted

src/SUMMARY.md

@@ -33,6 +33,7 @@
     - [Taxes](./towns/taxes.md)
     - [Tavern](./towns/tavern.md)
         - [Sailors](./towns/tavern/sailors.md)
+    - [Money Lender](./towns/money-lender.md)
     - [Bath House](./towns/bath-house.md)
     - [Sieges](./towns/sieges.md)
         - [Initialization](./towns/sieges/initialization.md)

src/towns/money-lender.md

@@ -0,0 +1,46 @@
+# Money Lender
+
+## Interest Rates
+
+## Pages
+
+### Grant Loan Page
+During every preparation tick of the window the town's loan applications are converted to *grant loan* operations and stored in the window.
+
+### Grant Loan Confirm Page
+When the confirm button is clicked and if the merchant has enough money, the selected *grant loan* operation is enqueued.
+
+The interest rate is calculated as follows:
+\\[
+    f_{setting} * (\sqrt{\frac{1}{\text{weeks} * \text{amount}}} * 300 + 1.2)
+\\]
+
+where \\(f_{setting}\\) is defined as:
+
+|Setting|Factor|
+|||
+|Very Low|8|
+|Low|9|
+|Normal|10|
+|High|11|
+|Very High|12|
+
+Interest is applied weekly, the repayment sum is capped at 65000.
+
+A loan's success is determined while on the grant loan page and when clicking the interest change buttons on the grant loan confirm page.
+The following table defines the safe repayment sums for each debtor's rank:
+
+|Rank|Safe Repayment Sum|
+|||
+|Shopkeeper|5000|
+|Trader|10000|
+|Merchant|15000|
+|Travelling Merchant|20000|
+|Councillor|25000|
+|Patrician|30000|
+
+If the repayment sum is bigger than the safe repayment sum, the following computation dedices whether the loan will default:
+```c
+rand() & 0x3ff < 75 * ((repayment_sum - safe_repayment_sum + 1250) / 1250)
+```
+Therefore, exceeding the safe repayment sum by `n * 1250` causes a default chance of `n : 1024-n`.