Kundarak - Bankers Guild - Help [Archive] - Wizards Community

Kundarak - Bankers Guild - Help [Archive] - Wizards Community

Post/Author/DateTime Post
kokukitty
12-29-06, 12:34 PM Hello all.

I'm in the process of planning a Sharn campaign and was looking at the Bank section. Besides the basic services (Arcane Seal and Lock, Explosive Rune) has anyone played with setting up a loan system and safety deposit box system?

Any help would be great!

Thanks.
The White Sorcerer
12-29-06, 07:58 PM safety deposit box system?

The Guild already has this. The neat thing about their safety deposit boxes is that you can retrieve items in them from any Kundarak bank.
kokukitty
12-29-06, 08:43 PM I noticed the safety deposit box was covered after I submitted the post- thanks for replying, it's appreciated.

But have you dealt with the loan aspect?
Sphere
12-29-06, 09:46 PM I noticed the safety deposit box was covered after I submitted the post- thanks for replying, it's appreciated.

But have you dealt with the loan aspect?

They only deal loans to royalty, dragonmarked houses, guilds and other large organizations. That list excludes most PC's, as they probably won't be in a position to speak for an entire organization in a financial capacity.
Forged_Fury
12-29-06, 09:51 PM Dragonmarked has information concerning Favored in House characters receiving loans. Since House Kundarak is Uncle Moneybags, Kundarak characters with Favored in House can pull higher loans than other characters.

-Forged_Fury
kokukitty
12-30-06, 08:34 AM Thanks for all of the help!
Forgivance
12-30-06, 08:20 PM I personally do loans with 10% interest rate if they are in good standing with the bank. If the characters are unknown to Kundarak (below lvl 5 or for roleplay reasons) than it's 20% interest (accrued per month) and the amount to be loaned would not exceed 100 gold pieces per level unless it is for a permanent fixture (such as a house), than I will do as much as 500 gold per level, though the transaction is in bank note writen to purpose, not just gold coin handed over (so the PCs don't get a sack of gold to spend on anything they want)...

In addition, geas or any number of spells (contingent style curses) are applied with any substantial loan...and all loanies are looked at through a gem of true seeing before being accepted to ensure you are dealing with a person and not some half-blood changeling! :p
Nived
12-31-06, 12:09 AM Small business loans, home equity loans, and such are one thing and probably available to most people.

Adventurers on the other hand rarely have a permanent address, are members of a high risk profession, have no steady income, and are generally very bad investments in the eyes of House K.

For adventurers I'd imagine a VERY harsh VERY steep interest rate. Think of it from the bank's perspective. "Well this war hero swordsmen wants a loan to fund his expedition to unknown reaches of Xen'drik. Where he'll probably die... but if he actually comes back he'll be loaded with treasure and artifacts.... 45% interest sounds about right."

Which is probably why the EBCS suggest private patrons.

Post/Author/DateTime	Post
kokukitty 12-29-06, 12:34 PM	Hello all. I'm in the process of planning a Sharn campaign and was looking at the Bank section. Besides the basic services (Arcane Seal and Lock, Explosive Rune) has anyone played with setting up a loan system and safety deposit box system? Any help would be great! Thanks.
The White Sorcerer 12-29-06, 07:58 PM	safety deposit box system? The Guild already has this. The neat thing about their safety deposit boxes is that you can retrieve items in them from any Kundarak bank.
kokukitty 12-29-06, 08:43 PM	I noticed the safety deposit box was covered after I submitted the post- thanks for replying, it's appreciated. But have you dealt with the loan aspect?
Sphere 12-29-06, 09:46 PM	I noticed the safety deposit box was covered after I submitted the post- thanks for replying, it's appreciated. But have you dealt with the loan aspect? They only deal loans to royalty, dragonmarked houses, guilds and other large organizations. That list excludes most PC's, as they probably won't be in a position to speak for an entire organization in a financial capacity.
Forged_Fury 12-29-06, 09:51 PM	Dragonmarked has information concerning Favored in House characters receiving loans. Since House Kundarak is Uncle Moneybags, Kundarak characters with Favored in House can pull higher loans than other characters. -Forged_Fury
kokukitty 12-30-06, 08:34 AM	Thanks for all of the help!
Forgivance 12-30-06, 08:20 PM	I personally do loans with 10% interest rate if they are in good standing with the bank. If the characters are unknown to Kundarak (below lvl 5 or for roleplay reasons) than it's 20% interest (accrued per month) and the amount to be loaned would not exceed 100 gold pieces per level unless it is for a permanent fixture (such as a house), than I will do as much as 500 gold per level, though the transaction is in bank note writen to purpose, not just gold coin handed over (so the PCs don't get a sack of gold to spend on anything they want)... In addition, geas or any number of spells (contingent style curses) are applied with any substantial loan...and all loanies are looked at through a gem of true seeing before being accepted to ensure you are dealing with a person and not some half-blood changeling! :p
Nived 12-31-06, 12:09 AM	Small business loans, home equity loans, and such are one thing and probably available to most people. Adventurers on the other hand rarely have a permanent address, are members of a high risk profession, have no steady income, and are generally very bad investments in the eyes of House K. For adventurers I'd imagine a VERY harsh VERY steep interest rate. Think of it from the bank's perspective. "Well this war hero swordsmen wants a loan to fund his expedition to unknown reaches of Xen'drik. Where he'll probably die... but if he actually comes back he'll be loaded with treasure and artifacts.... 45% interest sounds about right." Which is probably why the EBCS suggest private patrons.