🏦 MonoCredit — Simple Credit System

Manual payments only • Enhanced credit scoring

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Enhanced Credit System: Score ranges from -3 to +3. Perfect (3.0) credit allows massive loans. Each late payment heavily penalizes credit. Defaults cause severe damage.
Loan Caps: Emergency 30%, Normal 50%, Development 40% of net worth, heavily modified by credit score. Perfect credit can borrow up to 2.5x base amounts.

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