Economy

Loans

The arbitrary loan cap in the vanilla game has been removed and replaced with a loan cap based on your equity. We set the loan cap to be 30% of the value of land that you own with a minimum of 300,000. In addition, the interest payable on the loan has been adjusted to the year length.

Prices

The prices of products change realistically during the year based on supply/demand dynamics that occur in the real world. When something is in high supply, the prices will be lower. When something is in high demand, the prices will be higher. For example, the prices of firewood will increase in the winter due to higher demand.

The prices of some produce, which normally would not be sold by a farm, have been reduced to 0. This currently includes grass, hay and straw that hasn't been baled and also grass bales. Hay, silage and straw bales can be sold as usual.

Helper Wages

The wages have been changed to fit the new economy system and the concept of seasons and years. Effectively, this means that wages were reduced, but also the concept of overtime has been introduced. On weekdays between 6 am and 6 pm normal wage rate applies. Outside of those times, you will pay 150% of the normal rate. Therefore it pays to make sure you are using your workers efficiently, especially when you have just started and money may be tight.