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10B LOAN: 7 months, 12.5 % interest, 100 % collaterized

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HandelsPharmi
Pharmi on CharBazaar
#1 - 2014-12-29 12:30:22 UTC  |  Edited by: HandelsPharmi
Hello Capsuleers,

I am looking for a long term loan of 10B
7 months of duration
12.5 % interest = 1.25B ISK

Collateral: 119x Leopard

3rd party could be necessary, depends on you :)



loans - fullfilled / payed back:

https://forums.eveonline.com/default.aspx?g=posts&m=4497912#post4497912
https://forums.eveonline.com/default.aspx?g=posts&m=4159083#post4159083


loans - NOT fullfilled / still open
https://forums.eveonline.com/default.aspx?g=posts&m=4794762#post4794762
JohnathanGalt
Northern Sky Industries
#2 - 2014-12-29 15:49:18 UTC
The problem I have with Leopards being used is that they were a special edition "gift" ship. There are three possible outcomes with these as collateral:

1. They hold steady in value, everything works out fine.
2. CCP releases a new batch to everyone. the price crashes, all of the sudden the 10B is collateral you had is now with 1B.
3. The value continues to increase. at the end of the bond, you are holding 15B worth of collateral. This would make it tempting for the person holding the collateral to just keep the collateral.

Just my thoughts, that is all.

MonkeyBusiness Thiesant
Pandemic Unicorns
#3 - 2014-12-29 17:11:03 UTC
I'll do it.

Make a contract pls?
Jerry T Pepridge
Meta Game Analysis and Investment INC.
#4 - 2014-12-29 18:15:48 UTC
I feel i should warn you i'm currently holding 400 units also, and will crash this market for tears. (so i can rebuy yours when u dump them :D )

@JerryTPepridge
Cheese Crackers
Malfurion Mining
#5 - 2014-12-30 09:29:13 UTC  |  Edited by: Cheese Crackers
just to clarify, is that 12.5% per month or for the whole 7 months? if it were per month then id find this awefully suspicious. if it is for the whole 7 months then it is laughable, considering the long term commitment, especially since with 10 billion in pocket you can make the 12.5 interest in under a month of rigorous trading. I would suggest you offer 5% interest per month. just my two crackers worth

Edit: I would also suggest buying 2 more leopards to make collateral on par with the loan or its not 100% collateralised :/
HandelsPharmi
Pharmi on CharBazaar
#6 - 2014-12-30 09:36:05 UTC
Cheese Crackers wrote:
just to clarify, is that 12.5% per month or for the whole 7 months? if it were per month then id find this awefully suspicious. if it is for the whole 7 months then it is laughable, considering the long term commitment, especially since with 10 billion in pocket you can make the 12.5 interest in under a month of rigorous trading. I would suggest you offer 5% interest per month. just my two crackers worth

Edit: I would also suggest buying 2 more leopards to make collateral on par with the loan or its not 100% collateralised :/


12.5 % per 7 months, you don`t have to invest your money :)
HandelsPharmi
Pharmi on CharBazaar
#7 - 2015-01-03 18:27:58 UTC
MonkeyBusiness Thiesant wrote:
I'll do it.

Make a contract pls?



Hello Sir,

I am sorry, I have missed your offer. Is it still available or do you have to reject it?

I am still interested :)
Makhpella
Bad Taste.
#8 - 2015-01-03 19:15:31 UTC
I think Plex is much safer and very likely more profitable investment. This seems like semi-scam to secure your investment in Leopards for next 7 months. Jerry is just mad that he didnt come up first with this idea.
HandelsPharmi
Pharmi on CharBazaar
#9 - 2015-01-03 19:19:42 UTC
Makhpella wrote:
I think Plex is much safer and very likely more profitable investment. This seems like semi-scam to secure your investment in Leopards for next 7 months. Jerry is just mad that he didnt come up first with this idea.


Dear Gentleman, stop trolling my LOAN request please.
I am a serious trade of the char bazaar and I will not use PLEX to get a loan and buying PLEX for it...

I want to "secure" my investment of more than 100 Leopard, right. The risk is low, that the price is dropping, but I want to wait for the price of 150 ISK per ship. Why should I accept that they are "dead ISK" laying in my hangar?

I am still looking for a 10B ISK investment. At the moment I am collecting my Navy Armageddons, I think they are much better than Leos.
Makhpella
Bad Taste.
#10 - 2015-01-03 20:52:23 UTC
HandelsPharmi wrote:
I will not use PLEX to get a loan and buying PLEX for it...


Well, that is what you should do when you offer such ****** interest. Question is if you can find some stupid ppl that are willing to lend you money.
Cheese Crackers
Malfurion Mining
#11 - 2015-01-03 23:40:46 UTC
we are not trolling, we are informing. there are 2 types of loan threads in md. Ones that get taken up fast and go smoothly, and the rest that get loads of non accepting replies and flop. the reason this is not akin to the first is that you have not looked into previous loans to get a solid idea of what us as investors like in terms of interest and loan time. as it stands investors are looking at 1.78% interest per month and having their liquid isk out of pocket for 7 months. Most, if not all would only accept that if it was 1.78% weekly. Like I have said before the standard interest rate for around 10 billion is 5% interest per month. Had you have started the tread with that as yur interest I believe you would have had many more people contacting you too fill it without all the rst of these posts.

oh and one more thing, this may be your LOAN request but this is market DISCUSSIONS sub-forum so when you see people discussing your thread don't call them trolls because it is the ones that will most likely loan you money that post in such threads trying to help you fill it.

I would suggest going back to the drawing board, look around a bit on completed requests and come back with fresh thread that is more to the liking of investors because at the end of the day YOU are trying to win us over, not the other way as we are the ones with the money.

thread closed peace out, CC.
HandelsPharmi
Pharmi on CharBazaar
#12 - 2015-01-03 23:44:32 UTC
I have thought about and will change a) the collateral and b) the interest and c) the duration

Thank you for your input. A few comments were constructive
RAW23
#13 - 2015-01-04 01:49:59 UTC  |  Edited by: RAW23
Cheese Crackers wrote:
we are not trolling, we are informing. there are 2 types of loan threads in md. Ones that get taken up fast and go smoothly, and the rest that get loads of non accepting replies and flop. the reason this is not akin to the first is that you have not looked into previous loans to get a solid idea of what us as investors like in terms of interest and loan time. as it stands investors are looking at 1.78% interest per month and having their liquid isk out of pocket for 7 months. Most, if not all would only accept that if it was 1.78% weekly. Like I have said before the standard interest rate for around 10 billion is 5% interest per month. Had you have started the tread with that as yur interest I believe you would have had many more people contacting you too fill it without all the rst of these posts.

oh and one more thing, this may be your LOAN request but this is market DISCUSSIONS sub-forum so when you see people discussing your thread don't call them trolls because it is the ones that will most likely loan you money that post in such threads trying to help you fill it.

I would suggest going back to the drawing board, look around a bit on completed requests and come back with fresh thread that is more to the liking of investors because at the end of the day YOU are trying to win us over, not the other way as we are the ones with the money.

thread closed peace out, CC.


To be fair, you are the only non-troll posting in this thread. Jerry and Makhpella don't do much else than trolling.

In addition, the interest rates you are talking about are typical for uncollateralised loans. Collateralised loans are typically in the 1.5-4% range per month, so this one is pretty low but not that low (the single payoff at the end also reduces the value of the interest somewhat as it can't be reinvested in the intervening time).

That said, the collateral chosen is not one with stable value and definitely shouldn't be accepted at current market prices due to them a) being a high price in the historical context, and b) us not knowing whether CCP will issue more of these ships in the future. If I were still in the loans business I probably wouldn't accept them for more than a value of 50mil pu due to the long time frame involved and the unknown unknowns that could rear their head in the interval and would still be looking for 2.5% to 3% monthly interest at that valuation.

There are two types of EVE player:

those who believe there are two types of EVE player and those who do not.
Jerry T Pepridge
Meta Game Analysis and Investment INC.
#14 - 2015-01-04 05:22:08 UTC  |  Edited by: Jerry T Pepridge
RAW23 wrote:

To be fair, you are the only non-troll posting in this thread. Jerry and Makhpella don't do much else than trolling.


you also my friend, that whole nanoribbon thread where u failed twice was a troll too right Big smile nudging close to the 3.8 sell order then i see, interesting. build buy effect ;) i;d be mad being dunked by pepper too :p


@OP put simply:

only good collateral in this game is BPO's as they have a NPC seed value and shouldn't drop in price below it. so u as the bond holder can;t loose money & the one holding the collateral can liquidate it also.

ship prices can be dunked anytime anyone feels like it just so u have a bad day, can;t do that with BPOs. which is why you have nothing but trolls in your thread (raw included)

just sell the ships. they are in demand, and gankers pop them coz its a 80m Killmail.

lets say you are right and in 8 months the price of leopard is 110m, what motive is there for the collateral holder to give them back?

@JerryTPepridge
Makhpella
Bad Taste.
#15 - 2015-01-04 09:54:50 UTC
If you would be able to read my posts without hurting your ego, you would get the same information as in Cheese Crackers post.
Makhpella
Bad Taste.
#16 - 2015-01-04 10:10:03 UTC  |  Edited by: Makhpella
Jerry T Pepridge wrote:

lets say you are right and in 8 months the price of leopard is 110m, what motive is there for the collateral holder to give them back?


Yeah thats why I think the col has to be held by 3rd party for the whole time and it has to be much more than 100% in case of such speculative items(to protect both parties). Otherwise there will be always one holding the short end of the rope.

edit:
So under OPs terms only fool(willing to hold the short end) or informed speculator(with no intention to return the col) would accept this contract.
RAW23
#17 - 2015-01-04 16:52:37 UTC  |  Edited by: RAW23
Jerry T Pepridge wrote:
RAW23 wrote:

To be fair, you are the only non-troll posting in this thread. Jerry and Makhpella don't do much else than trolling.


you also my friend, that whole nanoribbon thread where u failed twice was a troll too right Big smile nudging close to the 3.8 sell order then i see, interesting. build buy effect ;) i;d be mad being dunked by pepper too :p




Are you hoping that if you repeat the claim that you were right and I was wrong often enough it'll become true? Unfortunately for you the data that shows otherwise is recorded in the game so you'll have to wait at least the year it takes for the data to disappear if you want to push that line successfully.

There are two types of EVE player:

those who believe there are two types of EVE player and those who do not.
Cheese Crackers
Malfurion Mining
#18 - 2015-01-04 17:12:01 UTC
Inb4 thread hijacking
Jerry T Pepridge
Meta Game Analysis and Investment INC.
#19 - 2015-01-04 18:16:18 UTC  |  Edited by: Jerry T Pepridge
RAW23 wrote:
Jerry T Pepridge wrote:
RAW23 wrote:

To be fair, you are the only non-troll posting in this thread. Jerry and Makhpella don't do much else than trolling.


you also my friend, that whole nanoribbon thread where u failed twice was a troll too right Big smile nudging close to the 3.8 sell order then i see, interesting. build buy effect ;) i;d be mad being dunked by pepper too :p




Are you hoping that if you repeat the claim that you were right and I was wrong often enough it'll become true? Unfortunately for you the data that shows otherwise is recorded in the game so you'll have to wait at least the year it takes for the data to disappear if you want to push that line successfully.


ITT: butthurt failed manipulation thread author calls out trolls (starts it), and expects nothing to happen in return.'

you're a laughing stock matey, nothing more nothing less.

best of luck~

@JerryTPepridge
RAW23
#20 - 2015-01-04 18:54:08 UTC
Jerry T Pepridge wrote:

ITT: butthurt failed manipulation thread author calls out trolls (starts it), and expects nothing to happen in return.'



Jerry, no one needs to 'call you out' as a troll since a month ago you announced in a thread devoted to talking about yourself that that was exactly what Jerry was created for.

Jerry T Pepridge wrote:

jerry, was always a "troll"


As to your historical revisionism, lets keep the increasingly shrill denunciations in the right thread, eh?

There are two types of EVE player:

those who believe there are two types of EVE player and those who do not.
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