Market Discussions

Hi All.

I am offering loans of up to 1 Billion ISK to anyone that want's them.

Loans must be Collateralized (I do not offer unsecured loans of any amount to anyone period.)

Low Risk Loans

Collateralization
Is defined thusly.

You may borrow any amount of ISK from me provided it does not exceed 75% of the total worth of your collateral.

High Risk loans may borrow up to 90% see below

Collateral worth is defined by any items market value in jita as determined by the buyers not the sellers.
Collateral may also be defined by the items average market value in jita over the last 3 months.

It is the lenders decision which of these 2 formulas is used and my decision is final.

For example:

You have an item worth 100m ISK as defined by one of the above formulas you may then borrow 75m ISK from me.

Interest
Is defined thusly.

Loans are offered over a 1 month period normally however this is negotiable.
Interest rates are currently

Low Risk
500 million or under.... 10%
1 Billion or under... 6%


High Risk Loans

High Risk Loans are exactly the same as low risk loans with a small difference
Collateral items may be borrowed on at 90% of their value

However interest rates are Higher and defined below

500 million or under... 15%
1 billion or under.... 10%


These Values are not set in stone they may be negotiated under certain circumstances

Beware being late on your loan repayment will result in extra interest being added to you account but will be decided on a case by case basis. and agreed upon before any loan is made.

Defaulting on your loan completely or scam attempts are particularly frowned upon and may result in merc corp war decs.


If you would like a loan or have questions then you may post here or contact me in game

Regards
Ajdeathgiver.

You think so?

i could change them i guess what do you think would be apropriate?

Keep it simple. Low risk 5%. High risk 10%. Just my 0.02 cents your miles may vary. :)

So to burrow 1b isk someone need to give you a collateral of 1.333.333.33 ISK value ?

There is smthing wrong becaouse its exactly vice versa of 90% of the threads of ppl ( "scamers") which are in MD . But this is a different aproach , you actually ask for something more valuable then that what you are giving . Actually they do a favor to you not you .

So why should someone entrust you with such Collateral ? If its worth 1/3 more then the loan , 33% .



lol thats not even the average , that even underpriced , buy orders and item value are 2 different things afaik .

You are getting a item (or items) which even if sold with 32% UNDER the BUY value will make you profit . if they are sold at the buy order value they will net you a 33% . and if they are sold as SELL order value they will give 33%+ PROFIT ....

Ehm did i miss something ?

.....

Who guarantee that they will get theyre item back and you wont scam them ?

.....

Thats valid also towards you , how can they Trust you actually ?

There is indeed a market for loans , but usually colateral isNT bigger then the loan , or none at all if the one who asks is trusted enough . Why i am trolling , cos youre thread so far doesnt seems so different from all the other i see once in a while .


But usually the scammer is the one who asks the loan . Here its you who MUST be trusted , you should improve youre ods by Taking into consideration PROVE it in someway .

I wouldn't do any background checks either if people would give me, say, a Vindicator in exchange for 750m-ish.

And then they would have to come back and give me interest on the loan to get the Vindicator back?

You're putting yourself in a 100% safe position no matter what happens, but also in a position to screw over the other guy.

And you're posting on a character in an NPC corp.

There is a fine line between an honest deal and getting scammed. I don't know which side you're standing on.

Anyway, I don't get why people want to loan ISK in exchange for equal-or-higher value collateral.
If you have collateral, just sell it.

3/10 for a decent troll. However, Ruvin is completely right, and there is nothing that requires trust on YOUR end. Nice try, but try again.

PS Ruvin - Would you feel comfortable lending me as a stranger with no questions asked two bill against my carrier as collateral - value 1.6 bill

If you do then lets do business

Thankyou

And Ruvin hit the road pal. you are talking utter bolox

as The Buildman says i am only doing what thousands of pawn shops and loan brokers do end of story.

I never understood the issue either, although the loan process is kind of cool in eve but it is still with no safe guards etc. If I was out of isk and needed to play the game through Plex I would sell off assets if I had them and work hard to make them up and rebuy those assets later. If I have no assets then who would loan me money that I may or may not ever pay back? What are you going to wardec Caldari Provisions?

The only exception is those people who take bonds who can turn that massive amount of Isk into other massive amounts of isk sort of like venture capitalism. The investors let their money make a certain amount of interest, even though the person doing the venture may make 10X what the interest pays out. I suppose a good off time thing for the multi-billion isk players who have 20+ in the bank why not make some cash on it. However that even comes to a head where the people can not make isk from nothing and get lazy. What is to say they don't take the 16 or 20 billion isk and say "hahahaha fool I am tired of investing and trading". There is no real regulation of the system and if CCP wanted to perhaps they could create them but not likely. Dividen Corps was an old Ponsi Scheme deal.