Loan
A loan is a way to borrow money from the civilian population. An avatar can take a loan up to its credit limit, which is dependent on the avatar's reputation.
There is no interest rate and no penalty for not paying back a loan. The current account balance shown on the Gear (F4) window is however displayed in red while money is owed.
Credit limit
The credit limit for an avatar dependent on its reputation.
The exact math is:
credit limit = (reputation + 0.5) * 100'000
This means that with a reputation of 0, it is still possible to loan up to 50'000¢. But if the reputation is negative, it is not possible to make a loan at all.
Bank Money
Banks loan money from the citizen accounts of a city. This means that there is almost always money available to make a loan, since the citizen accounts are rarely ever empty.
An amount is held in reserve, so the citizens don't go bankrupt.
reserved amount = (population x 1000) + 1000
They will loan whatever remains after that.
Taking a Loan
A loan must be made at a bank, and the city's citizen accounts must hold enough money.
