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[OEP] - Ouverture du nouveau système Financier !

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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede orangeair » Dim Mar 29, 2009 11:52

Seawolf a écrit:
orangeair a écrit:
Benjamin.C a écrit:Peut-être si vous avez fait vos travail, je ne reçevrais pas une proposition pour le taux d'intérets de 154% pourcentage annuel. :roll:

Are you a bank or a loan shark?


désolé, mais là, c'est toi qui n'a rien compris... :lol:

exemple: if you take 100 millions at 4.5%, you will have to give back 100 + 4.5%*100 = 104.5 millions to the bank.
L'intéret est calculé une fois, au début, et c'est tout (+taux d'intéret*montant du prêt). Ensuite, la somme a rembourser reste la même pendant tout le prêt. Il n'y a plus d'intérets à payer.


Yeah, that's what the math works out to. But because the terms of the loan are different I recalculate all my interest rates to an annual basis (the standard in the financial world). On an ANNUAL basis 9% for three weeks is equivalent 154% per year. Not even loan sharks dare to charge that kind of interest. There's a REASON banks are required to advertise their interest rates on an annualized basis.

You're basically being deceived. 5% interest for 3 weeks and 5% interest for 40 weeks is not the same. The former is illegal in most countries, the latter is reasonable. Are you telling me with a straight face that both terms are the same because I'm paying the bank the same amount?

I'm an economics major at university. You think I don't know how to calculate a bloody interest rate?
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Re: [OEP] - Ouverture du nouveau système Financier !

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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede webenor » Mar Mar 31, 2009 19:19

j'ai eu 2% sur 25 semaines soit du 4-5% environ sur un an.

Il suffit de savoir choisir sa banque :mrgreen:
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede Frslovaque » Mar Mar 31, 2009 20:53

A quelle heure dois-je rembourser l'emprunt ?.

C'est d la part de nos alliés Soviétiques
položka Štefánika membre de spojenectvo rusko-slovenský, groupe russo-slovaque depuis 1949 (pacte de Varsovie)

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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede Brieucdnl » Mar Mar 31, 2009 21:19

il me semble que le remboursement est effectué vers 5 heures du matin en tout cas mon dernier prélèvement à eut lieu à cette heure :wink:
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede Soyouzman » Dim Avr 12, 2009 08:53

ça dépend de l'heure et du jour où tu contracte ton prêt. :wink:
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede deBoer » Dim Avr 12, 2009 10:12

Tous mes prélèvement se font à 00h25
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede insuline007 » Dim Avr 12, 2009 14:54

Orangeair,

In Airlines manager, if you buy an aircraft and operate it, you will earn more than 1% of the price of the aircraft per day. On one year it's mean 365% of benefits. Do you think that in real life you will earn the same amount? I don't think so. That's why interest rates have been adapted to the parametres of the game and are upper than standard interest rates of the real life.

And what do you think about this amazing 1737% Annual Percentage Rate ?? :shock: : http://www.monthendmoney.co.uk/paydayloans.html

Your 154% APR is finally lower than the 1737% APR of the real life.... :mrgreen:
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede orangeair » Mer Avr 15, 2009 21:06

insuline007 a écrit:Orangeair,

In Airlines manager, if you buy an aircraft and operate it, you will earn more than 1% of the price of the aircraft per day. On one year it's mean 365% of benefits. Do you think that in real life you will earn the same amount? I don't think so. That's why interest rates have been adapted to the parametres of the game and are upper than standard interest rates of the real life.

And what do you think about this amazing 1737% Annual Percentage Rate ?? :shock: : http://www.monthendmoney.co.uk/paydayloans.html

Your 154% APR is finally lower than the 1737% APR of the real life.... :mrgreen:


What idiot airline on earth operates on payday loans? :roll: :roll: :roll: One rule about being a proper customer-NEVER be happy. Keep setting the bar higher.
Dernière édition par orangeair le Mer Avr 15, 2009 21:12, édité 2 fois.
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede orangeair » Mer Avr 15, 2009 21:06

webenor a écrit:j'ai eu 2% sur 25 semaines soit du 4-5% environ sur un an.

Il suffit de savoir choisir sa banque :mrgreen:


Unfortunately, there are only 3 of them, and NONE of them know how to run a proper bank. :roll: :roll: :roll: What kind of banker tells a company that makes a 70% profit margin that "they're borrowing too much?" :roll: :roll: :roll: :roll:

Let's see how many customers they have when they have to compete against 300 banks. :roll: :roll:
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede insuline007 » Jeu Avr 16, 2009 00:10

What idiot airline on earth operates on payday loans? :roll: :roll: :roll:




I only give you this exemple (payday loans) because the duration of their loans (less than one month) is similar to your 3 weeks loan in AM.

I know that airlines use very long loans periods. The payday loans are used by people who are really in the shit, and are such more in the shit after the loan....
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede waj » Jeu Avr 16, 2009 00:20

Alors la j'y comprend plus rien, dans la section anglaise on parle français et dans la section "française" on parle anglais :mrgreen:
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede orangeair » Jeu Avr 16, 2009 04:42

insuline007 a écrit:
What idiot airline on earth operates on payday loans? :roll: :roll: :roll:




I only give you this exemple (payday loans) because the duration of their loans (less than one month) is similar to your 3 weeks loan in AM.

I know that airlines use very long loans periods. The payday loans are used by people who are really in the shit, and are such more in the shit after the loan....


Key word: People. Payday loans are given to people with no credit or bad credit. Your comparison of 3 week loans in AM to payday loans is batshit. Most of those places never check your credit, they never check your address, or income or anything. We have to actually come up with a viable plan for those loans.

And if an airline is stupid enough not to have a negotiated line of credit with a bank, they SHOULD go under. And so should banks that have their heads so far up their asses that they turn away profitable loyal customers. Every time I try to establish a relationship with a banker they say crap like "You borrow too much money" even though I could have my revenues go down by 50% and still cover expenses AND make a little profit. My business is there to win over, you're free to earn my business-but it's going to take a LOT MORE than flashy marketing, or telling me "we hope to see you soon" even though we both know you don't mean it. I want REAL tangible benefits. Otherwise, piss off and stop wasting my time. I'm the customer, customers NEVER beg. They demand.

If the bankers want to get paid back fast (or at all) they will unfreeze credit. I can just as easily give up because it's impossible to get credit to expand my business. :roll: :roll: :roll:
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede webenor » Jeu Avr 16, 2009 10:00

Orangeair, I think you are getting too much involved in this game. Go out and breeze some fresh air ;)

But as I am a very kind special agent, I will try to answer you:
Bank loans interests in AM are much higher than in the reality, OK that's a fact and we are not denying it.
On the other hand, profits in AM are at least that much higher than in the reality.

Anyway, I know that you will find other points to discuss about and I am sure that you will tell me that this is a game and that you want to move fast and get more credit to get more planes to get more profit to be able to get more credits etc...
The only thing I can tell you is that loans are limited because we do not want the game to grow too fast and therefore have companies with hundreds of long-range planes in one month.
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede -Anima- » Jeu Avr 16, 2009 10:42

Airlines manager English forum for french and english member !
But we have more french player that english player

So every body must speak french !
:mrgreen:
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Re: [OEP] - Ouverture du nouveau système Financier !

Messagede orangeair » Jeu Avr 16, 2009 10:47

-Anima- a écrit:Airlines manager English forum for french and english member !
But we have more french player that english player

So every body must speak french !
:mrgreen:


Name one law.

If the bank won't give me the credit needed to expand so I can eventually pay HIM back, then he'll just have to deal with me paying him back as slowly as possible. :roll: He's never going to encourage me to pay him back faster by denying credit. :roll: What happens when I get bored, lose interest, and then declare bankruptcy? THE BANK loses money. That's the fact of the matter.
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