1. What is a Mortgage Calculator in Endless Siege?

Definition: This calculator determines monthly castle mortgage payments in the Endless Siege game world.

Purpose: Helps players plan their in-game finances when purchasing or upgrading castles and fortifications.

2. How Does the Calculator Work?

The calculator uses the standard mortgage formula:

Where:

• \( M \) — Monthly payment (gold coins)
• \( P \) — Loan principal (castle purchase price)
• \( r \) — Monthly interest rate (decimal)
• \( n \) — Total number of payments (months)

Explanation: The formula accounts for compound interest over the loan term to determine fixed monthly payments.

3. Importance of Mortgage Planning

Details: Proper mortgage planning ensures you can maintain your defenses while meeting financial obligations in the game.

4. Using the Calculator

Tips: Enter the castle price (principal), annual interest rate (default 5%), and loan term in years (default 30). All values must be > 0.

5. Frequently Asked Questions (FAQ)

Q1: How are interest rates determined in Endless Siege?
A: Rates vary by in-game faction and your reputation level with them (5-15% typical range).

Q2: What happens if I miss a payment?
A: Your defenses may be temporarily weakened until payments resume.

Q3: Can I pay off my mortgage early?
A: Yes, with a 1% prepayment penalty of the remaining balance.

Q4: Does loan term affect total interest paid?
A: Yes, shorter terms mean higher monthly payments but less total interest.

Q5: Can I refinance my castle mortgage?
A: Only during peace periods between siege waves, with a 2% refinance fee.