Positive gearing involves buying land to earn money on a fortnightly basis. The profit margin is lower, but you make gains faster. This method, however is not a short-term strategy and requires a lot of economical acumen on your part in order to work out. This is a good strategy to conduct with Swadian towns (most especially Suno), as they receive the most trade overall but are most susceptible to attacks from all directions. This works best when you buy land in a town with low land prices that you speculate will increase fairly soon. Negative gearing is a strategy which means buying land to sell when it's more valuable. There are two financial strategies when it comes to landowning, negative gearing and positive gearing. When buying land (doable by moving the slider from left to right and clicking verify) it is best to pay out of your wallet as it is impossible to pay back a loan solely with money earnt from landowning. The interest rate starts at 20%, so don't borrow more than you earn unless you know you can spend that money to earn more than you borrowed before the 2 weeks is up.įailing to pay back the loan will decrease both your relation with the town you borrowed from, your honour and increase the interest rate of further loans in that town. The lower your relation, the lower amount of cash you can borrow at any time. The amount you can borrow at one time is based on your current relation with the town you are borrowing from. This function differs, however from the Bank of Calradia in that each borrowing is specific to the town you lend it from, and the interest rate is specific to the town in question as well. Moneylenders are exactly that: moneylenders. In order to use the Moneylenders & Landowners interface, you must enter a town, scroll down the the bottom of the menu and select "Visit the Landlords and Moneylenders." This page however, serves the purpose of explaining how this function works, and how you you can use it to your benefit. The Landowners & Moneylenders mod by Duh is a continuation of the Bank of Calradia mod by Garnier and Keedo420.
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