FS25 Heartland Agricultural Bank (Realistic Loan System) v1.0

Heartland Agricultural Bank expands Farming Simulator 25’s basic loan system into a realistic agricultural banking experience.
CONTROLS
B Open or close the bank
NUMPAD 7 / 9 Previous or next banking tab
NUMPAD 8 / 2 Move up or down
NUMPAD 4 / 6 Adjust choices, statements, and inbox messages
ENTER Confirm or submit
NUMPAD 1 Extra $10,000 principal payment
NUMPAD 3 Full loan payoff
NUMPAD 5 Open customer services
NUMPAD 0 Close the bank
CURRENT FEATURES
Six agricultural loan products
Loan application and approval system
Named agricultural loan officers
Farm credit score system
Asset-based borrowing eligibility
Credit-based fixed APRs and dynamic prime rate
Automatic amortized monthly loan payments
Persistent loan/payment data across saves and restarts
Monthly loan statements
Secure banking inbox
Application and origination fees
Late fees and past-due accounts
Collections and default progression
Restrictions on new financing while delinquent
Customer relationship tiers and rewards
Payment protection insurance
Payment deferral requests
Loan refinancing
Extra principal payments
Full early payoff
ACCOUNT DELINQUENCY
1 missed payment: Past Due
2 missed payments: Collections
4 missed payments: Default
Late fees are 5% of the monthly payment, with a $75 minimum and $2,500 maximum where applicable.