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    Mortgage

    adamclark83adamclark83 Posts: 692 Member
    in The Sims 4 Ideas Corner
    I was thinking the other night about what if they included mortgages in this game?

    When you first start off and you don't know there are cheats, you only have 20,000 to buy a house or en empty lot to build one. Now, what if you could purchase any property you wanted but you had to work to pay it off?
    2quwd7.gif

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      ChampandGirlieChampandGirlie Posts: 2,482 Member
      I'd have interest in this and in other forms of investments. I have some wealthy sims and I'd like them to have to manage their finances more, not just mysteriously have a lot of money from somewhere. It fits my game that those sims are wealthy, but yes, I'd like the ability to win and lose money through more forms of investment.
      Champ and Girlie are dogs.
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      Mariefoxprice83Mariefoxprice83 Posts: 8,109 Member
      Yes! We really need this.
      Better to reign in Hell, than serve in Heaven.
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      InuMiroLoverInuMiroLover Posts: 1,184 Member
      And with a chance of losing the property if your sim takes too long in paying it off and/or misses several payments in a row! On that note, I still want loans in BG. With high interest rates if your sim got it from a loan shark.
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      coldladycoldlady Posts: 7 New Member
      there are some mods floating around out there. But i agree would be nice to have some base game options for some of this. And i would be happy if they added some kind of money sinks besides buying more clutter for your house.

      MC Command center.
      Lets you tweek almost everything in the game via computer/mail. I use it to increase my bills to have a higher draw on cash. Does'nt make sense i make same in 1 day as i have bills in for 1 week

      SNB Bills.
      you have to manually hire services like Thrash collection, water and electricity. you are able to select which to hook up, so off the grid can have plumbning and cellphone but no power, if you so desire. It comes with some new lot traits. There is 2 step internet. There's basic cable and High power cable. (the standard fast internet with bonus is gone, writers beware)
      There is also Mortgage which will slowly increase over 4 weeks sim time, then the bill hits and you have 4 weeks to pay that. I made a tiny shack in sulani off grid and its estimated 25k. If you DON'T pay your mortage, you will get plastered on the front paper of the Sim's weekly as a, whats the word? foreclosure? Bankrupcy or whatever and your sim will get MORTIFIED= high chance of DYING!

      There is Allso a ATM mod somewhere where you can borrow money up to 50.000 with dayly payments and run time over XX days, fines for not pay over time.
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      friendlysimmersfriendlysimmers Posts: 7,546 Member
      no would not went this in the sims4
      If you went the sims5 to remain offline feel free to sign this petition http://chng.it/gtfHPhHK please note that it is also to keep the gallery



      Repose en paix mamie tu va me manquer :

      1923-2016 mamie :'(
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      ddd994ddd994 Posts: 418 Member
      100%! I was hoping DU would add crippling loans that would follow sims to their graves, as IRL lol, and potentially a loans system or even mortgages.. but alas it did not.

      Even a household starting with 20k is kinda suspect if you think about it, most people have a mortgage on their house if they aren’t renting.. it would be cool to have like a tycoon pack or something maybe? Add financial backgrounds in CAS, mortgages and loans, a bank system (with credit cards for teenagers lol?), own and rent out multiple properties? Maybe risk losing it all at the casino or something? I dunno there’s potential for a pack that could bring all kinds of challenge and drama, is all Im saying :)
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      PlayerSinger2010PlayerSinger2010 Posts: 3,267 Member
      No thanks. That's too realistic for my liking.
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      ChazzzyChazzzy Posts: 7,166 Member
      Yea sure why not
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      popstarsleypopstarsley Posts: 1,086 Member
      Yes too easy to be wealthy without consequence
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      nessatay1920nessatay1920 Posts: 459 Member
      adamclark83 wrote: »
      I was thinking the other night about what if they included mortgages in this game?

      When you first start off and you don't know there are cheats, you only have 20,000 to buy a house or en empty lot to build one. Now, what if you could purchase any property you wanted but you had to work to pay it off?
      InuMiroLover wrote: »
      And with a chance of losing the property if your sim takes too long in paying it off and/or misses several payments in a row! On that note, I still want loans in BG. With high interest rates if your sim got it from a loan shark.
      ddd994 wrote: »
      100%! I was hoping DU would add crippling loans that would follow sims to their graves, as IRL lol, and potentially a loans system or even mortgages.. but alas it did not.

      Even a household starting with 20k is kinda suspect if you think about it, most people have a mortgage on their house if they aren’t renting.. it would be cool to have like a tycoon pack or something maybe? Add financial backgrounds in CAS, mortgages and loans, a bank system (with credit cards for teenagers lol?), own and rent out multiple properties? Maybe risk losing it all at the casino or something? I dunno there’s potential for a pack that could bring all kinds of challenge and drama, is all Im saying :)

      I love these ideas! They should most definitely put in the game! I hate having a lot of mods in my game.
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