Heartland Agricultural Bank (Realistic Loan System)

Heartland Agricultural Bank expands Farming Simulator 25's basic loan system into a realistic agricultural banking experience.

CONTROLS

• B             Open or close the bank

• NUMPAD 7 / 9  Previous or next banking tab

• NUMPAD 8 / 2  Move up or down

• NUMPAD 4 / 6  Adjust choices, statements, and inbox messages

• ENTER         Confirm or submit

• NUMPAD 1      Extra $10,000 principal payment

• NUMPAD 3      Full loan payoff

• NUMPAD 5      Open customer services

• NUMPAD 0      Close the bank

CURRENT FEATURES

• Six agricultural loan products

• Loan application and approval system

• Named agricultural loan officers

• Farm credit score system

• Asset-based borrowing eligibility

• Credit-based fixed APRs and dynamic prime rate

• Automatic amortized monthly loan payments

• Persistent loan/payment data across saves and restarts

• Monthly loan statements

• Secure banking inbox

• Application and origination fees

• Late fees and past-due accounts

• Collections and default progression

• Restrictions on new financing while delinquent

• Customer relationship tiers and rewards

• Payment protection insurance

• Payment deferral requests

• Loan refinancing

• Extra principal payments

• Full early payoff

ACCOUNT DELINQUENCY

• 1 missed payment: Past Due

• 2 missed payments: Collections

• 4 missed payments: Default

• Late fees are 5% of the monthly payment, with a $75 minimum and $2,500 maximum where applicable.