Why a group:
The group members will be able to delete, give loans and take properties to make a auction with the taken properties for the group bank (in help with SAHA) ''a special panel will be set for the group money'' (except the creation that will be automatic). THE MEMBERS WILL BE CHOSEN ONCE THE GROUP AND THE IDEA ARE SET BY ADMINS
The idea behind this is marvelous. But what I see here is quite an issue.
Even though SAES members would recruit "responsable" players for such a position.. Wouldn't it be safer to not to involve players at all?
Make a menu where you select a property, (house that costs 10 k as an example) You can get a loan of 10 k as maximum, as it's what the value which you got instead is. You get a term of some time to return the loan, if you don't, property gets automatically claimed by saes. Then a simple saha can auction the house as usual and make even more money for the banking system.
If it comes to a vehicle, just use the price which you get when you sell it, (If I'm not wrong, half the price it costs when you buy it) So for example, if you've got a car that costs 500 k, you'll get a loan of 250 k max, and the car will be removed from the disk automatically, once again, without involving players.
Another thing, didn't see a word about interest rates, if you get a loan for x time, there should be x% that will be an extra. < If you didn't consider this, it would improve the script even more, making it even more complicated to write.
In overall, you've got a great idea right there that might be really a gamechanger as with a proper economy reset, the banking system could be updated..
well scripters will be fixing bugs that can be caused out of the system so the best thing to deal with that is to make players able to do the job, and we have trust-worthy members in SAES that can do this including admins
Watch the example of SAHA
I completely disagree, if something can be done automaticly, make it happen automaticly. I trust computers more than I trust people.
About the idea in general, if I understand it correcly what it boils down to is you want players to have an extra monthly cost, the cost of having a bank account. And you want loans, these two features are completely seperate from eachother.
I don't see the point in adding the extra costs for a bank account, if we wanted to charge players ingame money for playing, we could just do that. But we have chosen not do so in the past, and don't see any reason to start doing so.
Now loans on the other hand aren't a bad idea, but in order to implement it properly is going to require a major overhaul of how finance works in the current server in order to make sure it can't be abused.