Any clan may take out a loan[s] for a max balance of 300 million gold.
Most of these loans are used for clantown expansion. The downside of a loan is that a 1.5% interest rate is applied daily. This means that your loan balance is increased 1.5% each and every day.
To make payments towards your loan use the PAYMENT command.
If your loan balance grows above 400 million because of interest charges, your clan will no longer have the ability to use CLANTALK.
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