SimCity 3000 Hints & Tips

How to make loans work for you

Written By: Rand Huck
Tuesday, October 31, 2000

You have just started a city. You place a school, fire station, police, and a hospital. Then you fill the gaps with some zones, mostly made up of residential and industrial, then you water them. This is a good, healthy start for your city, but you notice that you are going into debt. You feel insecure at this point, but your financial advisor tell you that this is normal for a young city to find itself a little in the red. After all, it's only about 1000 simoleons.

This, though, is the best time to pull out a loan. I have known people who are afraid of loans, saying that it pulls them into more debt. That is because they don't know how to use their loan money.

It might seem simple enough. Use your loan money wisely to make a profit. But, people will use their money to build more fire stations, police stations, and other expenses. That will make you get into more debt. Why? Fire stations, schools, hospitals, police, and transit stations all are deducted from your annual budget. Therefore, using your loan money to make facilities that will cause more expenses in your budget is foolish spending.

Loans should only be used for:

Zones
Business Deals
Neighbor Connections (Only to sell)

Have you noticed a pattern? Those three items are not expenses, but are income making things. Sure, they cost money to make, but they don't cost money to maintain. Don't use your neighbor connections to buy, though, since that is an expense.

If you use your loan money correctly, you will find yourself having more income than expenses. Leave the expensive police stations and such until you have a steady income of 1500 simoleons or more.

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