This hack makes the credit system a little more realistic. However, ordinary game credits will be disabled. If a farm has an existing loan, it will be moved to the new system.
This method allows you to take out annuity loans. A loan with a defined amount, a period, and a loan interest rate is agreed upon. This calculates the monthly amount, which is debited at the end of the month.
The bank demands collateral here, therefore the maximum loan amount is computed using the current sales value of your cars, fields (60%), cash, and any existing debts.
To make this more realistic, the borrowing rate may increase, decrease, or remain constant each month. This makes it much more important when the loan is taken out. However, you may convert the variable loan interest rate to a fixed loan interest rate in the settings.
There are also other settings available that enable the credit system to be tailored to individual tastes.

How does an annuity loan work? Here's a basic explanation:
An annuity loan includes three components: an annuity, a monthly payment, and a loan interest rate. This annuity consists of the payback amount and the interest amount. The interest amount is computed by multiplying the loan interest rate by the remaining loan balance. As a consequence, the interest amount decreases but the payback amount increases.

Credits:
Chissel