Player Features and Ideas Discussion

Anyone else want a loan feature so we can borrow from each other?
Only catch would be that there is collateral and hourly/daily payments.

I think it might be used a bit more than it was before. I say just put them back in there and whoever wants to use it can use it. To be honest, people may need to use a freighter to move some stuff, use a hulk to mine with corpies, use an Orca to help mining corpies, etc. Maybe someone wants to rat, and all they have is a Drake. They can afford a well fit Tengu (with faction mods n stuff), but they don't feel like going through the trouble of selling the faction mods and whatnot. There are ALWAYS times when people want to just use a ship for a few days/hours and no more.

i wuld like this feature to lone out ships for pvp in 0.0 to members hoo needs them.

But there is one more ting scaming, if you run like in top presented eny loners wil get scamed, by borrowing items and not giving back just seling them and leave char that char for ever.

Afcors its posible to implement in game that borrowed items not posibul to sell any way. not posible repage, reprocess. if so that culd work.

A collateral would make the system fairly hard to find loopholes in. I honestly thing collateral would be the best thing. I thought about CCP flagging accounts (and debt, etc), but then you'd have useless alts getting the contract and putting themselves in debt, while their main gets rich and doesn't need to worry about paying.

This system is fairly simple, kinda like the courier system. Lots of people would want to borrow a freighter for a day for maybe 20m ISK, with the collateral set around 800m ISK. As long as the freighter stays alive, the person just completed their own courier by borrowing a freighter, and may have even saved himself a bit of money.

If this feature is released in the future, my hopes are that loan prices will be low. If they are low, then it will monopolize the courier market, making moving stuff around much easier and available to everyone with 30 days worth the skills (freighter).

Also, if someone wants loyalty points, and they want full benefits of a fully faction fit Tengu, (as long as they have 2B ISK) they can borrow one. If they had bought one and bought some faction mods with it, it would be difficult to sell them off.

This would also be a good benefit for corps to reduce griefing slightly. This would allow a CEO to loan a Hulk for 0 ISK/day but also set a collateral to 150m+. This will allow CEOs to feel that there's less risk letting someone borrow a Hulk (maybe because the nearst one on the market is 10 jumps away, etc). This will especially benefit corporation who needs to let a member borrow an Orca for support.

SCAMMING ISSUE: Scaming won't be an issue. I'd expect the item to be "character bound," as it would be completely pointless to let them trade items. Also, if the items are to be tradeable, then I can imagine the collateral will kick in - meaning the owner of the item will be paid, and the person borrowing the item will be charged the collateral.

What I expect from this is the rental time will be determined (by the person borrowing) before the item contract is accepted. After it is accepted, the person borrowing the item will have the option to extend it or reduce it. The owner will have the right to some how request it back if he needs it (if you're loaning out an item, you shouldn't need it at all - it should be as if you are selling it and will never see it again). If the buyer doesn't return the item within 72 hours of the request/promised date, then the owner has the right to charge collateral. The person borrowing the item will have to return the item in the same station it was borrowed from.

Collateral is held as soon as the item is rented, just as a courier's collateral is held as soon as you accept one. If their wallet hits 0, then they will not receive their collateral back, but they can keep the ship. That is why I'd suggest making the collateral slightly more than the ship is worth, to make them want to return it and save some money.

Also, this isn't a courier. In a courier, items go to one designated place by a designated time, and there's only so many routes that you'd be willing to take. It is completely different. You can take the ship where ever you'd like. It's not like you'd get suicide ganked just because you took an item loan.

Most people would understand the collateral is just for security, and that it should not influence their decision of accepting the contract or declining it. The key is checking the ship's modules before you rent it, and make sure that the collateral is reasonable. As I said before, this will most likely be used mostly for corporate loaning.

Again, I'll go back to going to referring to corporate interests. I can imagine after corps get the hang of this, they'll use it as an anti-grief tool.

Also, where I live, a contract/sell order on a freighter is a miracle. Again, that would go back to corporate interests. People in corps would want to loan out carriers/freighters without worrying about them getting stolen.

I am not really "enthusiastic" about the idea. I just think it'd be a cool feature. If one person benefits from it, then it was a good idea. If they add this feature, there will be quite a few people along with myself who use it.

Real quick, I will also bring back the faction part. People like me might want to borrow a full fit faction Tengu for a couple of hours to do some LP farming. A couple of hours - no more. To buy a Tengu off the market fit mostly with faction mods is something lots of people will not do... not because of price, but because of time. It takes a while to sell high end mods sometimes. Someone who is visiting high sec for a day may want to do missions for a few hours... he either uses his Drake (10m ticks), or he uses a rented Tengu (15m ticks).

Say the Tengu costs 10m/hr. At that rate, you are saving money (as long as you don't lose it), and you are still making small profit, along with TONS more LP because of the 50% bonus to speed you'd get with a Tengu (Tengu > Drake). And by not buying a Tengu on the market then hunting down some faction mods (and worrying about selling them), you saved a lot of time and money.

This feature is pretty nice to have in my opinion. I'd use it.

If it has a collateral, this can be a job for some people. Just like car rental... they have your credit card info for collateral :p.

won't work
borrow 1 bil isk
send isk to main
delete character you borrowed with

rinse and repeat

That is not a new feature, it is an old one that got removed.