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If you want to buy a big mansion or a small beachfront house in InZoi but don’t have enough money right now, you might need a loan. Borrowing money in InZoi isn’t just clicking “yes” on a prompt—it’s a decision that can affect your entire island life. Your choices can impact your assets, your freedom, and even your furniture. This guide will help you understand how to get a loan and what to watch out for so you can enjoy your new home without future trouble.
What Are Property and Shark Loans?
In InZoi, there are two main types of borrowing:
- Regular property loans from banks: These are safer loans, with lower interest rates usually around 1%, and predictable repayment schedules.
- High-risk “loan shark” loans: These are quick cash options for urgent needs but come with very high interest rates. You can borrow 2,500 or 5,000 Mew, but you’ll owe an extra 5% interest. These loans can spiral out of control if you don’t manage them carefully, often leading to threatening collection tactics if you miss payments.
How to Get a Loan
Getting a loan in InZoi is easy. For standard property loans, just pick a house you want but can’t afford yet. On the screen, look for a checkbox that says “Receive a move-in assistance loan.” The interest rate depends on the house’s price, but it’ll be lower than a loan shark’s rate.
To borrow from a loan shark, use the dedicated “Loan” app on your in-game phone. Select how much money you want, then accept the high-interest rate. Be careful—these loans can lead to serious consequences if not handled responsibly.
What Happens If You Don’t Pay Your Loan?
Keep a close eye on your loan payments. Falling behind, especially with loan sharks, can lead to debt collectors showing up and seizing your assets. This means you may lose some household items until you pay back what you owe. Missing payments can quickly turn into bigger problems, so stay on top of your loans to avoid losing control of your financial situation.
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