What's the biggest ship they get a loan on?

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JMISBEST
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What's the biggest ship they get a loan on?

Postby JMISBEST » Thu Nov 01, 2018 11:00 am

Asking on behalf of another GM what's the biggest ship A Group of 5 Pcs lead by A Noble could get A Loan of when they start with A 30% ownership, can offer Cr 830,000 in cash and collateral in the form of Cr 20,000,000 in Antique Artwork, Cr 14,000 worth of both weapons and armour and A Cr 105,000,000 Portfolio and a guaranteed minimum payment of Cr 8,079,000 per year
PsiTraveller
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Re: What's the biggest ship they get a loan on?

Postby PsiTraveller » Thu Nov 08, 2018 8:51 pm

Are you sure the other GM is not treating you like all your other players and messing with you?

If the 8 million a year income is free and clear then he spends all of it on mortgage.

8 million/12 = 666,666 a month. Call it 600 000 a month income for easy math

Mortgage cost of ship is purchase price divided by 240. This is paid off for 40 years (double the cost of the ship basically)

So 600 000 a month mortgage fee pays the mortgage price for a 144 Million credit ship. Start shopping list from there.

And the 830 000 cash is a pretty lowball number. Barely a month and a half income. pfft

The 20 million in Artwork is a good downpayment. 10 percent down and you are in the 200 Million Creditrange for a ship. This might take the mortgage per month down to the 520k range.
steve98052
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Re: What's the biggest ship they get a loan on?

Postby steve98052 » Fri Nov 09, 2018 3:50 pm

Selling that much art would be an adventure. The owner might be the only person with enough money to buy such a collection on a world, unless it's a substantial world. If it has to be transported to a rich world for sale, it has to be secured against thieves, pirates, and mishandling by cargo masters. Auctioneers need to interviewed. A date needs to be scheduled. The event needs to be advertised. And then the money needs to be safely transported to the bank, unless it's on the same world.
Old School
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Re: What's the biggest ship they get a loan on?

Postby Old School » Fri Nov 09, 2018 3:51 pm

That's alright Steve, he's got a lucky die roll to handle all that.
PsiTraveller
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Re: What's the biggest ship they get a loan on?

Postby PsiTraveller » Fri Nov 09, 2018 6:30 pm

I get the feeling every player uses the Wealth table in the Dilettante book with loaded dice, generating massive amounts of monetary value, this value then being placed into the subsequent Domain Revenue holding systems which allow a roll attempt to generate more income and a stunning success on such a roll allows for the massive wealth already rolled for to be increased.

Nope, I cannot write a run-on sentence any longer than that.

Looking at the wealth rules for Dilettante it can make for incredibly rich players. Given the time of Jumpspace and travel the monthly income could be reinvested and generate more income the following month. This is the only way I can see the game breaking wealth being generated in the rolls.

On the other hand simply waiting 6 years will allow the purchase of a Far Trader, cash. this results in no mortgage and a saving of 55 Million credits over the 40 Year mortgage.
JMISBEST
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Re: What's the biggest ship they get a loan on?

Postby JMISBEST » Sat Nov 10, 2018 1:32 pm

Just found out The GM made a few mistakes, here's the correct info. Which is actually a lot of wrong and missed info

A down payment of Antique Artwork, Cash and other stuff worth selling of Cr 20,878,000, a absolute minimum payment of Cr 614,000 every odd numbered month and thanks to TAS Membership ships a absolute minimum payment of Cr 632,000 every even numbered month, from Ship and Ship Share Benefits if they choose any class and/or any type of Trading Ship they get a starting ownership of 50% but with 1D6 or 2 starting Quirks(that may be A GM change cos I think it should be 2D6 Quirks) and another Cr 4,000,000 paid off, a potential Cr 1.000,000 a year from A 2nd Pc having A 25% ownership in a different ship, as well as a potential extra payment of up to Cr 14,000 x4 and Cr 16,000 x1 or Cr 72,000 from Pensions

So does that help?

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