loan

[jygglag]

Some website said that the actual amount you can loan is depend on your regional reputation, and I have seen a video in youtube that he can't actually borrow 900000 gold. I suspect that the 1100000 gold limit is not always correct, but I don't have the game myself, can anyone check that for me?

[Werozzi]

Well, after reading your post, i went on some field research.
I chose Daggerfall city bank, for the experiment. I used my two current characters; One, a level 2 Nord, first time on town, low mercantile. The second character was a level 8 Bosmer, few visits to this town, medium mercantile. none of them had a reputation higher or lower than common citizen.
When i tried to loan the 1,100,000, with both characters, a message appeared, the Bosmer's max credit was that of 400,000, while the nord's was of only 100,000.
My deduction is that even if reputation might have a part on your max loan, it is not all involved, as it might be player level, mercantile level, AND reputation.
Hope I helped you.

[jygglag]

Well, after reading your post, i went on some field research.
I chose Daggerfall city bank, for the experiment. I used my two current characters; One, a level 2 Nord, first time on town, low mercantile. The second character was a level 8 Bosmer, few visits to this town, medium mercantile. none of them had a reputation higher or lower than common citizen.
When i tried to loan the 1,100,000, with both characters, a message appeared, the Bosmer's max credit was that of 400,000, while the nord's was of only 100,000.
My deduction is that even if reputation might have a part on your max loan, it is not all involved, as it might be player level, mercantile level, AND reputation.
Hope I helped you.

Thank's for your help, Werozzi. So, it seems that mercantile seems to be a important factor. In your experiment, the importance of regional reputation is not shown. Level and mercantile may be a factor,but the information is not enough. I doubt race is a factor, but more experiment need to be carry out or someone need to look into to the construction set.

[Werozzi]

Actually, there is no DF cs, so the best approach might be experience.
Yes, i agree with race not being a factor, i'll try to do more experimenting on the subject.