Revision 1

Overview

inZOI features a banking system with two banks operating across the main cities. Banks provide loan services that let Zois borrow Meow (the in-game currency) for large purchases like property, furniture, or starting a business. The loan system was expanded in v0.4.0 with new overdue consequences and repayment options.

Banks

Taking Out a Loan

Visit either bank in person or use the banking app on the smartphone to apply for a loan. Loan amounts scale based on the Zoi's career level and current income. Higher-earning Zois can borrow larger amounts.

Repayment

Loan repayments are due on a regular schedule. Payments can be made through the banking app on the smartphone or by visiting a bank in person. You can also access repayment options through the computer at home. Immediate full repayment is available at any time if the Zoi has sufficient funds.

Overdue Consequences

The v0.4.0 update introduced consequences for overdue loan payments. If a payment is missed:

• The bank sends reminder text messages to the Zoi's phone.

• Continued non-payment triggers additional messages that affect the Zoi's relationships with household members, as financial stress spills over into personal life.

• Overdue status can negatively affect the Zoi's emotions, causing Worried or Stressed states.

• Prolonged default may result in penalties or restrictions on taking out new loans.

Welfare System

When a household's total funds drop below 1,000 Meow, the game automatically provides a welfare payment of 2,000 Meow. This safety net prevents Zois from becoming completely destitute and ensures basic needs can still be met even during financial hardship.

Budget Tracking

The Budget app (accessible through the smartphone) shows the household's total assets, income, expenses, and outstanding loan balances. The v0.4.0 update improved this app to display total assets more clearly, making it easier to track overall financial health. Use this to plan loan repayments and manage household spending.