Bank

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Bank Icon.png

To open the Bank, click on the Bank icon above the Log Window. The Bank has two main functions in the game: accepting deposits and lending loans.


Bank Deposits

Deposit Window.png

Bank deposits’ main benefits are their time-efficiency and high liquidity. You can close it at any time without losing any money.

There are two types of deposits:

Time deposits have a fixed one-year term and higher interest rates. You earn interest at the end of the year. If you withdraw a time deposit prematurely, you won’t get your interest.

Call deposits don’t have fixed tenures, and you earn an interest every month, but the return is lower.

To make a deposit, click the Investment icon:

  1. Specify the amount of money you want to deposit
  2. Click OK
  3. Drag your deposit amount into Assets
  4. Drag your interest into Income.


Personal Loans

Loan Window.png

A personal loan is a short-term loan taken to meet your personal needs. The term also includes credit cards. There are all kinds of loans, but they can all be summed up in one sentence: you borrow money now, and return more money later.

In TimeFlow, the Bank gives you loans for 1-3 years at 20% per annum.

In other words, for every thousand borrowed, you give 200 back for 12, 24, or 36 months. After that term, the overpayment will amount to 20% a year.

The Bank automatically gives you a loan if you don’t have enough cash. You can also take a personal loan to finance a small or mid-sized business.


To get a loan:

  1. Specify the amount of money you want to borrow
  2. Click OK
  3. Drag the amount of money you’ve borrowed into Assets
  4. Drag your credit payments into Expenses.

You can pay off your loans early to avoid unnecessary expenses.

To pay off your loan partially or completely:

  1. Click on the title of your loan in the Bank
  2. Click on the icon with the bill on it
  3. Specify the amount of money you want to pay back


Mortgage and Large Business Loans

A mortgage is a long-term loan that allows you to purchase real estate.

Unlike a personal loan, a mortgage can have unique conditions depending on which property you want to buy. If you take a personal loan for 1-3 years at 20% per annum, you can get a 20-year mortgage loan at 7-15% per annum.

Mortgage loans and personal loans are otherwise similar.


Summary

With bank deposits, you get a small but steady passive income that doesn’t need any of your time. A mortgage and loans give you an opportunity to buy businesses and real estate without having to pay the full price right away. You just have to make sure that profit from your investment exceeds the loan payments.


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