Loan System

[highways1]

Quick question, how are the amounts available for loans calculated? I have found that despite the same credit rating (B) and cash on hand (approximately 5-12 million), my amounts have gone up dramatically from earlier in the game. It's nice to have more money available, but I was just curious how it changes.

[Jps]

I would imagine it takes into account at least your weekly profit.

[Richard9741]

Another loan system comment/question:

I don't seem to be able to use a plane I own but lease out as security on a loan.  In reality I would - not least because it's a revenue generating asset (and if I defaulted the bank would own the plane and carry on leasing it).  Would be good if that can be changed - don't need it now but there may come a time when I'll want to leverage planes that are loaned... 

[Sigma]

Another loan system comment/question:

I don't seem to be able to use a plane I own but lease out as security on a loan.  In reality I would - not least because it's a revenue generating asset (and if I defaulted the bank would own the plane and carry on leasing it).  Would be good if that can be changed - don't need it now but there may come a time when I'll want to leverage planes that are loaned... 

While I agree that's realistic, as the system is now it would create a virtual endless amount of money for people once they had sufficient funds to buy a few planes.

You could buy a few planes, lease them out, borrow against them to buy a few more, lease those out, borrow against them to buy some more.... and so on.  That occurred already in previous games with airlines that were making money faster than they could use it on their own, but now with the ability to so easily borrow huge sums of money against borrowed assets, it would occur far more often and far more earlier in the game than before.

[Richard9741]

While I agree that's realistic, as the system is now it would create a virtual endless amount of money for people once they had sufficient funds to buy a few planes.

You could buy a few planes, lease them out, borrow against them to buy a few more, lease those out, borrow against them to buy some more.... and so on.  That occurred already in previous games with airlines that were making money faster than they could use it on their own, but now with the ability to so easily borrow huge sums of money against borrowed assets, it would occur far more often and far more earlier in the game than before.

This is the same if I buy a plane and use it myself - I will be earning an income from the plane (probably more than if I just lease it out) AND I'll be able to borrow against it.  That's part of the game - the only unrealistic part is that I can't do the same for a plane I've leased out.  One of the options in this game is to make money from leasing out planes to other players - so we shouldn't be penalised for doing so.  If we want the used market to open up with more decent planes I think this should be enabled!