(Public) SNB - Financial Center by SimRealist (2022)

(Public) SNB - Financial Center by SimRealist (1)

The Financial Center is an adjacent mod of SNBank that brings a physical bank to the game. Your Sims will now be able to access SNB options, and more, in-person. This keeps to that off-the-grid option where you don't need to use your Sim's cellphone for every SNB service. This mod will also usher in SimRealist Credit options we have planned for later this year.

We are operating on aUSE -> WORK -> OWNprogression for all our venues. That means right now we are building the ability to USE a bank venue. Next, we will work on the ability for your Sim to WORK at a Bank and then OWN.

To get started, you will need the main SNBank found here:

-itch:https://simrealist.itch.io/snbank

Optional Modsthat will enhance your experience are:

-(MizoreYukii) Scarlet's SimCity Loans mod: https://www.patreon.com/posts/mod-simcity-2-0-48521567

-LittleMsSam's ATM Cards and Credit mod:https://littlemssam.tumblr.com/post/175407172343/atm-cards-and-now-with-real-credit-function

Summary of Changes

We added/changed the following:

  • New Loan Product:Changed the Application Process for Credit Accounts for the new SNB Unsecured Loan.
  • Realistic Terms:added a realistic bill calculation system.
  • Debt-to-Income Calculation:for SNB Loans only, Sims will not be able to borrow if they do not meet SNBank Policy.
  • Flexible SNB Loan Bill Payment System:Pay more or less whenever you want! Just be sure you satisfy any outstanding bills when it comes due!
  • Simple Credit Credibility Standing System:Derogatory Marks are now a thing when your Sim's loan defaults. This will block all future credit until resolved and then even if resolved a waiting period will go into effect before new credit can be taken.
  • Annual Thank You 2020:Simple investment into an FC lot is now available with the Patron Thank You Gift for 2020.
Before we get into the details of this new update, all of these features affect SNB Loans (current and future) ONLY! The Partner Loans (LittleMsSam's Credit Mod and Scarlet's SimCity Loans) are not affected by this process and follow the rules set by the respective mod creator.
FOR A REVIEW ON HOW TO PLACE A FINANCIAL CENTER LOT, PLEASE GO TOWARD THE BOTTOM OF THIS POST.

Unsecured Loans

This update brings in Unsecured Loans. Mortgages became way more complex than what we originally thought and will have their own update. Unsecured Loans are not bound or secured to any object or real estate. As a result, rates are normally higher than mortgages or other secured loans because the risk is higher to the Financial Institution. This mod sets this loan type with the following term options:

(Video) MOST REALISTIC & FUNCTIONAL BANK 💵💰 | SNB BILLS MOD | LOANS & MORE! // The Sims 4 Must Have Mods!

(Public) SNB - Financial Center by SimRealist (2)

New Application Process

When you would like your Sim to borrow an SNB Loan, you will send them off to their local Financial Center to apply with the usual Loan Officer option (Request Assistance from Loan Officer) and then Apply for a Loan. From there, you will enter how much you would like to borrow. The mod will check the Sim's financial standing or DTI to see if they can borrow that much or less based on Bank Policy/Criteria. Bank Policy requires the following in order to borrow from SNBank:

DEBT-TO-INCOME

The Household's Debt-to-Income cannot be more than 75%. The mod takes into account the Household's income against how much outstanding SNB debt they have. So say the entire household makes a total weekly income of §5,000, and one of the household members has an SNB Loan with a weekly payment of §1,000. DTI would calculate as 0.2 or 20%. This is still within bank policy, so the Sim can borrow 55% more or §2,750. Still with me? 😂 You can cheat withsnbfc.dtito have the mod generate this figure without applying and being denied.

Please note that DTI is only seeing Career Pay in the traditional sense and doesn't have a way to calculate income derived from ownership of a business yet.

SNBANK ACCOUNT

The requirement to have a SNBank account with at least §200 for loan fees still applies. This is where the loan will disburse to as well.

DEROGATORY MARK

If anyone in the Household defaults or their loan goes into collection, no potential applicants in that Household will be able to get a loan until the Mark has been removed. It is removed 2 Sim weeks after the loan in Collection is satisfied.

(Public) SNB - Financial Center by SimRealist (3)

Loan Payments and Payoff

BILL CALCULATIONS

The calculatedweekly payment amountdisplayed before you Accept the Agreement is the loan amount divided by the term of the loan without consideration of interest accrued. So the actual bill amount will always be more than the quoted payment amount. Loan Paydown, Interest Accrued, and Late Fees are part of 3 separate billing calculations to keep things as realistic as possible. Meaning, the more you pay down the loan, the lower the amount of interest you will have to pay. So to keep things from getting too complicated, all three bill categories have been separated for your mathematical delight. 😂

  • Weekly Payment Amount= Loan Amount / Term Selected (4, 8, or 12 weeks)
  • Daily Interest Accrued orPer Diem(starting on Day 0) = (Interest Rate / Term) x Current Loan Amount
  • Late Fee Amount(when a loan is past due for a week and every week thereafter) = Billed amount x .04 (or 4%).

LOAN PAYMENTS

On the day the loan is due, your Sim will receive a phone call to notify you of this. To make a loan payment, your Sim will need to go to the Bank to take care of this bill. Once at the bank, loan payments are taken by the Bank Tellers with the new option called SNBank Loan Payments. After selecting which account you would like to pay from, a pop-up will appear to show you how much is due.Future updates will allow this new bill category and calculation to show in SNB-Bills.

(Public) SNB - Financial Center by SimRealist (4)

(Video) INDIVIDUAL SIM FUNDS & More! SNBank Mod | The Sims 4 (by SimRealist)

LATE FEES

If your Sim should ever be late, a late fee of 4% of the billed amount will be applied to your Sim's next weekly Bills, not your Loan Bill as a fee. You do not need SNB - Bills in order for this late fee to populate properly. It should show up in EA's bills instead of this mod isn't present.

Collections

If your Sim continues to be late after 4 missed bills, their loan will default and go into Collections. As a result:

  • Repossessions will take place (see the warning at the top of this post)
  • A Collection Fee will be assessed
  • The Household will be unable to borrow again until the Collected Loan has been paid off and the Sim's Derogatory Mark has fallen off their Credit profile.
  • Payments will only be available by way of the mailbox.

Annual Thank You

In December, we announced that we were planning to do another Annual Thank You gift since we liked offering this to our long-term patrons in 2019. We stepped it up a notch by removing the listing of Patrons from the mod's Welcome Notice and put it in a new object, the Patron Plaque. This Plaque is the reuse of EA’s Might Plaque of Honor that came with Get to Work (pack NOT required to get this object). We customized it to now show the Financial Center logo and make it base game compatible. You can find this Plaque under the Generic Community Objects or just by searching SNBank Plaque.

(Public) SNB - Financial Center by SimRealist (5)

This Plaque not only holds all the Active Patrons of a year or more as of Oct. 1 2020 listing but also a new simple investment feature! Your Sim can now "invest" into the Financial Center by buying shares. Depending on how many shares that Sim has will determine how much dividend income they will receive each week. We have it set to §125 dividends a week per share (1 share = §2,500). This Dividend will automatically deposit into the Sim's SNB account. This amount will never fluctuate since we didn't want to add in another complex system yet.

(Public) SNB - Financial Center by SimRealist (6)

PATRON THANK YOU LEVELS

In theThank You!option, Patrons that were with us for a year or more are listed according to how long they've been with us and then by name.

(Public) SNB - Financial Center by SimRealist (7)

Placing or Creating a Bank Lot

***NO CHANGES WERE MADE ON THE LOTS ATTACHED TO THIS DOWNLOAD. IF YOU ALREADY HAVE THEM INSTALLED, YOU DO NOT NEED TO UPDATE THEM.***

In order to start with this mod, you will need a lot with the Sim National Bank Lot Trait. This can be any type of lot, even residential but I wouldn't recommend that at this time. If you would like just a bank, you can use the Generic lot type with this lot trait. I made a test bank for you as well so you don't have to immediately build one. It will provide an example of what you will need for each function of the bank. You can then build whatever kind of bank you would like. To add my test bank branch to your game, you can either download the tray files below and put them in your Tray folder, or you can look up the EA Account ID: SimRealist.

Objects you will need to have a complete bank are:

(Video) Banque Nationale Sims (SNB) ★ Speed build ★ Sims 4

  • A Bank Computer (Account Manager) Desk Station (found in Community Items)
  • A Bank Teller Desk and Station (found in Community Items)
  • A Credit Computer (Loan Officer) Desk Station (found in Community Items)
  • A Bank Lobby (be sure to have a good size one and only have one entrance and exit so you can attempt to control the NPC traffic).
  • (Optional) SNB Bank Sign (Found in Wall Decor)

AdditionalCustomBanksbyKateEmerald

I've been watching KateEmerald's builds for a while and all the great work she has done so far for the Sims Community. I reached out to her to assist me in building some custom Bank Venues for everyone to start off with since I wouldn't say I'm architecturally inclined (though I tried with the Test Branch. 😉) and she happily agreed! In fact, you may see more of her work in the future as we add in more venues to go with our mods. Below are your options to download. They all only require the Base Game and sit on 30x20 lots for ease of use. Each of them is made to match the World that they are named for. I've also made these lots available via the Gallery under the SimRealist ID.

WILLOW CREEK BRANCH

(Public) SNB - Financial Center by SimRealist (8)

OASIS SPRINGS BRANCH

(Public) SNB - Financial Center by SimRealist (9)

NEWCREST BRANCH

(Public) SNB - Financial Center by SimRealist (10)

Please check out KateEmerald here:https://www.youtube.com/channel/UCfSA8fw-AoVckUmrkBKR4dw

If you do share your build to the Gallery, be sure to add#snbto your lot description for others to easily find your lot.

How to Use the Bank

ACCOUNT MANAGER

If this is the first time a Sim has used SNBank (the main mod) and they don't have an account, you want to start at an Account Manager's office. There you will be able to Inquire about what Bank Products are available and Open either an SNB account or buy a LittleMsSam ATM Card. You will need an SNB Account in order to use other Bank services.

(Video) My current FAVORITE mods for The Sims 4 🧡 (October Favorites)

In addition to opening an SNB Bank Account, you can also close one with an Account Manager when you no longer need SNB services or open more SNB Accounts for the rest of your household.

From there, your Sim can either go to a Bank Teller or a Loan Officer. This depends entirely on your Sim's needs at the moment.

BANK TELLER

A Bank Teller will assist your Sim with a number of services starting with the basic deposit and withdrawal as well as making your Student Loan Payment. You also have two new options that allow you to send money to other Sims by way of a limited SimoleonGram or an unlimited Wire. Both come with a fee. What this means is that SNB will require an update where we cap the Send Money feature so that you have to go to the bank to send more than a certain amount with Bank Approval. You know to protect you from future fraud and all. 😉

LOAN OFFICER

A Loan Officer is available to assist with your Sim's Credit needs. Right now you need one or both of the Third Party mods we reference which are LittleMsSam's Credit module of her ATM mod and(MizoreYukii)Scarlet's SimCity Loans mod.To get started, click a Loan Officer NPC and the Credit UI will guide you through whichever product you choose.

Conflicts/Issues/Notable Items Observed:

  • If you use our test branches, there have been instances in which it will switch back to the original lot type. All you need to do is switch it back in build mode to what you would like or keep it as is. Leave the lot and come back with your Sim to activate the Bank.
  • Be sure to have a good size lobby, Bank Customer NPCs have been known to sit where they shouldn't. With that being said, you should bypass Building Fire Codes and only have one entrance/exit to the building as well.
  • In order for Tellers to show, you will need a bar stoolwith the Teller Desk.

Compatible With:

Patch08/30/2022 PC: 1.91.186.1030 / Mac: 1.91.186.1230

Credits

  • Victor Andrade:SR Mod Developer
  • Nichole:SR Mod Producer
  • roBurky:SR SNBank Mod Developer
  • Kate Emerald: SR Animator
  • scripthoge (Mod The Sims) for assistance in the development of these additions
  • EA's Might Plaque of Honor Plaque

Thanks toScarlet&LittleMsSamfor letting us side-load their mod to give everyone an enhanced experience.

Thanks to theSR Linguists Team

STRINGS INCLUDED:

  • Chinese - Simplified
  • Chinese - Traditional
  • Czech
  • Dutch
  • French
  • German
  • Italian
  • Korean
  • Polish
  • Portuguese (BR)
  • Portuguese (PT)
  • Russian
  • Spanish

TOOLS USED:

Mod Support/Assistance:

If you are experiencing an issue with an SR mod, please head over to our Discord server channels: simrealist-mod-support or patreon-mod-support (https://discord.gg/97hyxrM).

To connect a Patreon Account to Discord for support on Patreon versions, please follow these instructions: https://support.patreon.com/hc/en-us/articles/212052266-Get-my-Discord-role

FAQs

Can you get a bank loan in Sims 4? ›

And scarlet sim city loans this mod has credit cards and atms. And this mod allows you to get

How to Pay SNB Mortgage down payment Sims 4? ›

To make a loan payment, your Sim will need to go to the Bank to take care of this bill. Once at the bank, loan payments are taken by the Bank Tellers with the new option called SNBank Loan Payments. After selecting which account you would like to pay from, a pop-up will appear to show you how much is due.

How do you open the SNB app in Sims 4? ›

When a Bills is due, you will get a notification that allows you to open the Bills App without having to go to the Cellphone Household menu. Within the Bills Main Menu, click “Pay Utility Bills” to pay for your Sim's Services.

What happens if you don't pay student loans Sims 4? ›

There are consequences if your sim decides not to pay back their student loans. You will have your stuff repossessed to help pay back some of your debt, but not all.

Can Sims take out loans? ›

Attending university requires paying tuition, which players can settle out of pocket if they have the funds. But if they don't have the means, players can take out a loan with a very reasonable 5% interest — and it doesn't have to be repaid while the sim is enrolled in school.

How do I pay my SNB bill? ›

You can pay your bills and governmental fees any time through our banking channels:
  1. AlAhliOnline.
  2. AlAhli ATM.
  3. AlAhliPhone ( +966-92000-1000 )
  4. AlAhliMobile.
  5. Branches ​

How do you pay your bills on Sims 4? ›

The traditional way to pay one's bills in The Sims 4 is by selecting a Sim and having them check the building's mailbox for letters. If the bills are included in the mail, a notification will appear, revealing how many Simoleons are needed to keep the utilities running.

How do you turn bills off in Sims 4? ›

If you're no stranger to cheats, then you probably know that there's a cheat to skip paying bills in Sims 4.
...
Here they are:
  1. autopay_bills – automatically pays all of your bills.
  2. autopay_bills true – turns off all of your bills.
  3. autopay_bills false –turns all of your bills back on.
1 Dec 2021

How do you get child support from SNB Sims 4? ›

They will need to go into the Government Benefits Portal and "Apply" as soon as they divorce their spouse. Once done, at their next billing cycle they will receive a direct deposit based on how they set up this agreement in the Portal. These payments stop when a Sim marries another or 4 billing cycles have passed.

Is there child support in Sims 4? ›

Once you have money settings open here you're going to see the options to pay child support and

How do you pay child support on Sims 4? ›

So you go to the computer. And you will go ahead and collect MC command center you go click MCC

Do student loans go away after 20 years? ›

Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years (if all loans were taken out for undergraduate study) or 25 years (if any loans were taken out for graduate or professional study).

Who is eligible for student loan forgiveness? ›

To be eligible, your annual income must have fallen below $125,000 (for individuals) or $250,000 (for married couples or heads of households). If you received a Pell Grant in college and meet the income threshold, you will be eligible for up to $20,000 in debt relief.

Do student loans ever go away? ›

Do Student Loans Ever Go Away? U.S. borrowers owe a combined $1.7 trillion in student loan debt. The short answer is no, unless you're part of the Public Service Loan Forgiveness Program.

How do you ask for money on Sims 4? ›

Again, for those Sims without such a guilty conscious, one way your Sim can make money is by repeatedly asking friends and family for loans. Once your Sim reaches level 7 of the charisma skill, they can ask for a small §500 loan; they're able to ask for a large §2000 loan at level 9 charisma.

How do you cheat and get money on Sims 4? ›

How do you cheat for more Simoleons? For The Sims 4 money cheats: Typing “rosebud” or “kaching” would earn you 1,000 simoleons. Typing “motherlode” will get you 50,000 simoleons.

How do I add mods to Sims 4? ›

Download the mod you want from the internet. Use Finder to locate the Mods folder (Documents/Electronic Arts/The Sims 4/Mods). Extract the mod from the downloaded file and copy the files into the Mods folder. Don't unzip script mods that work in zip files (most modders will notify you of these mods).

› wiki › get-the-best-loan-mod-in-... ›

Sims 4 Loan Mod in 2021: an Overview. Whenever you need a loan, simply hop on your computer and select SimCity Loans with this mod.

Sims 4 Loans : r/Sims4

https://www.reddit.com › Sims4 › comments › sims_4_loa...
https://www.reddit.com › Sims4 › comments › sims_4_loa...
Anyone think they should add loans to the game? I find it quite hard if not impossible to be able to afford any of the 100K houses or up without…
The Sims 4 recently saw the release of Discover University, an expansion where players pursue the fantasy of college life. Beyond schoolwork, partying, and dorm...

Is there a loan mod for Sims 4? ›

Click here to download the 2021 version of the SimCity loan mod for The Sims 4! After you download the mod, make sure to extract the contents and copy them into your Mods folder. This is how you install mods in Sims 4, so it's the same process for this mod too. Check out all the Sims 4 money cheats!

How do you repay a loan on Sims 4? ›

You can pay off your loan just like you would normal bills in The Sims 4. Head to your mailbox and choose 'Pay Back Loan' to pay it off. You'll then be free from the debt and won't have to worry about the money you have.

How do you cheat and get money on Sims 4? ›

How do you cheat for more Simoleons? For The Sims 4 money cheats: Typing “rosebud” or “kaching” would earn you 1,000 simoleons. Typing “motherlode” will get you 50,000 simoleons.

How do you put child support in Sims 4? ›

So you go to the computer. And you will go ahead and collect MC command center you go click MCC

Do Sims 4 mods cost money? ›

All mods are free, which means you can download custom content to your hearts content, and that's great. However, these changes to policy are actually far from good for the creators of The Sims 4 custom content, who have arguably made the game what it is today.

How do I add mods to Sims 4? ›

Download the mod you want from the internet. Use Finder to locate the Mods folder (Documents/Electronic Arts/The Sims 4/Mods). Extract the mod from the downloaded file and copy the files into the Mods folder. Don't unzip script mods that work in zip files (most modders will notify you of these mods).

How much is a large loan in Sims 4? ›

If you have Charisma at least on level 7 you can ask a friendly Sim to loan you a small amount of money (500 Simoleons) and from level 9 you can ask for a big loan instead (2000 Simoleons).

How do I stop a repossession on Sims 4? ›

Sims can also try to appeal to humanity, bribe with simoleons, or fight the man. If successful the repo-men will not repossess an object and leave the household.

How do you ask another sim for money? ›

Again, for those Sims without such a guilty conscious, one way your Sim can make money is by repeatedly asking friends and family for loans. Once your Sim reaches level 7 of the charisma skill, they can ask for a small §500 loan; they're able to ask for a large §2000 loan at level 9 charisma.

What is the cheat to get money 9999999 on Sims 4? ›

For quick thousand simoleons enter either Ching. Or the classic rosebud into the console. If one or

How can I earn more money? ›

Ways to Make Money on the Side
  1. Get paid for your photos. Are you a shutterbug? ...
  2. Drive for Uber or Lyft. ...
  3. Become a food delivery driver. ...
  4. Join a focus group. ...
  5. Deliver groceries. ...
  6. Take up babysitting. ...
  7. Start pet sitting. ...
  8. Advertise on your car.
2 Sept 2022

How do you get unlimited money on sims Freeplay? ›

And go to the house. Section. The way you get money from doing. This is you're spending 400 i think

How do you get child support from SNB Sims 4? ›

They will need to go into the Government Benefits Portal and "Apply" as soon as they divorce their spouse. Once done, at their next billing cycle they will receive a direct deposit based on how they set up this agreement in the Portal. These payments stop when a Sim marries another or 4 billing cycles have passed.

Can my Sim pay child support? ›

And go down to money settings. Once you have money settings open here you're going to see the

How do teenage Sims get pregnant? ›

And you go to who actions. And you're going to allow teens. And you then you do enabled. I already

Videos

1. PRIVATE PRACTICE MOD // The Sims 4: Mod Overview
(SpringSims)
2. LET'S BUILD A SAVE FILE IN THE SIMS 4
(JC Sims)

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