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price check: how much interest for 7 months runtime?
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HandelsPharmi
Pharmi on CharBazaar
#1 - 2014-06-21 22:19:38 UTC  |  Edited by: HandelsPharmi
Hello capsuleers,

I want to start a new project on char bazar.
Here a few details about me:
I have sold more than 100 (one hundred) char in the last 5 years with HandelsPharmi.

At the moment I am planning to buy a few chars for the next small "expansion" which will boost the industry part of the game.


I am looking to sell the chars around christmas and new year (time, when player are buying PLEX for $$$)
-> 7 months of runtime, that means, 6 months runtime plus 1 month of buffer in case of not selling the first chars fast enough to repay the loan plus interest.

In my opinion, an interest of 25 % over these 7 months is fine
3.5 % per month

minimum investment = 850 Mio ISK


I DON'T want to discuss if I am a trustfull player or not, I will find a 3rd party for holding my Nyx for this time....
but how much interest I should offer, if there would be NO collateral?

In case of not be collateralized, is the interest higher or the same?

Thank you for input, I will make a few market researches and maybe invest around 25B in the char bazar
Loraine Gess
Confedeferate Union of Tax Legalists
#2 - 2014-06-21 23:24:24 UTC
Wow sounds like you can easily afford to fund your own loan, and then you don't have to pay interest! Well I guess you could pay interest to yourself, but you'll need a second character for that. Maybe you could also use one of your characters yet-to-be-sold for that?
RAW23
#3 - 2014-06-25 18:29:14 UTC
Without collateral I think you would need to look at 10%, and even then I doubt a first-time uncollateralised loan of this size would fill.

Collateralised, 3.5% sounds fine, or maybe even less. That's assuming that you intend to pay interest at the end of each month. If the investors won't see any interest until the characters are sold you would probably need something in excess of 4% and maybe around 5 depending on who is holding the collateral.

There are two types of EVE player:

those who believe there are two types of EVE player and those who do not.
HandelsPharmi
Pharmi on CharBazaar
#4 - 2014-06-25 20:41:28 UTC  |  Edited by: HandelsPharmi
what about 3% collateralised and paying the interest every month? Is this a fine "price"?
but over 8 months

that means, 10 B ISK = 300 Mio per month, should not be a problem
RAW23
#5 - 2014-06-26 07:35:50 UTC
HandelsPharmi wrote:
what about 3% collateralised and paying the interest every month? Is this a fine "price"?
but over 8 months

that means, 10 B ISK = 300 Mio per month, should not be a problem


I think you would probably get quite a few takers, especially if you guarantee the 8 month term as long term solid investments are not easy to find.

However, you mention a Nyx as collateral in the op and this severely limits the available collateral holders. You will have to find someone who you not only trust but who also has a spare supercarrier character that they are willing to leave unused for 8 months. That is likely to be a tricky, not to mention pricey, proposition.

There are two types of EVE player:

those who believe there are two types of EVE player and those who do not.
HandelsPharmi
Pharmi on CharBazaar
#6 - 2014-06-26 21:07:56 UTC
I have to find an alternative collateral, something which can be traded in Jita or Highsec.

Actually I am planning to start the new project in two weeks, so there will be enough time to find anything with a higher value.
Lord LazyGhost
Sebiestor Tribe
Minmatar Republic
#7 - 2014-06-26 23:54:30 UTC
If u find the collat and a good known trusted 3rd party. I would be interested for sure..
Ellon JTC
Quadralien
#8 - 2014-06-28 06:40:45 UTC
HandelsPharmi wrote:
Hello capsuleers,

I want to start a new project on char bazar.
Here a few details about me:
I have sold more than 100 (one hundred) char in the last 5 years with HandelsPharmi.

At the moment I am planning to buy a few chars for the next small "expansion" which will boost the industry part of the game.


I am looking to sell the chars around christmas and new year (time, when player are buying PLEX for $$$)
-> 7 months of runtime, that means, 6 months runtime plus 1 month of buffer in case of not selling the first chars fast enough to repay the loan plus interest.

In my opinion, an interest of 25 % over these 7 months is fine
3.5 % per month

minimum investment = 850 Mio ISK


I DON'T want to discuss if I am a trustfull player or not, I will find a 3rd party for holding my Nyx for this time....
but how much interest I should offer, if there would be NO collateral?

In case of not be collateralized, is the interest higher or the same?

Thank you for input, I will make a few market researches and maybe invest around 25B in the char bazar


I think collateralized loans are about 2% a month, and non are around 10~15% not sure