This mod makes the credit system a bit more realistic. However, the standard game credits will be deactivated. If a farm still has a loan, it will be transferred to the new system.
With this system it is possible to take annuity loans. For this, a loan with a fixed amount, a term and a loan interest rate is concluded. This calculates the monthly installment, which is debited at the end of each month.
The bank requires collateral here, so the maximum loan amount is calculated from the current sales value of your vehicles, fields (60%), cash and your already current loans.
To make this a bit more realistic the loan rate can go up, down or stay the same each month. This makes it all the more crucial when the loan is taken out. However...