[markelphoenix]

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You must pay
a monthly interest rate of 500 nuyen per
Karma spent, in addition to any payment to
the principal. If the interest is not paid, the
lenders come searching for you. You must repay interest at a rate of 200 nuyen per level
of this quality, which addresses interest only,
not principal. pg. 77
Trying to make this gel...do you pay 500 or 200 ....

[Stainless Steel Devil Rat]

500.

[Michael Chandra]

Errata on p77 are 500. I disagree with that because you only get 3k extra per karma point, where in 5e In Debt gave you 5k extra nuyen on top of the karma point. So you don't get bonus karma and you get less per point of debt, but the interest is still the same as 5e. Okay you don't have to pay the karma back, but even then I'd go for 200/month even if RAW is 500.

[Stainless Steel Devil Rat]

Yeah the errata establishes the value as 500, but it needed to be changed in two places not one.

Sigh.

[markelphoenix]

Errata on p77 are 500. I disagree with that because you only get 3k extra per karma point, where in 5e In Debt gave you 5k extra nuyen on top of the karma point. So you don't get bonus karma and you get less per point of debt, but the interest is still the same as 5e. Okay you don't have to pay the karma back, but even then I'd go for 200/month even if RAW is 500.

For me, the fact that it doesn't cost Karma any more makes it a fair trade. If I can get 3 runs a month in, should be pretty reasonable burden to start out crazy geared out the gate.

[Michael Chandra]

The karma to get rid of was because you also got karma for taking it, and it granted nuyen on top of your purchase limit. Now you only get 3k extra nuyen, but still pay 500 interest, that's why I consider it too much.

[markelphoenix]

The karma to get rid of was because you also got karma for taking it, and it granted nuyen on top of your purchase limit. Now you only get 3k extra nuyen, but still pay 500 interest, that's why I consider it too much.

Fair point, may house rule it as 300 then.

[Serin_Marst]

The karma to get rid of was because you also got karma for taking it, and it granted nuyen on top of your purchase limit. Now you only get 3k extra nuyen, but still pay 500 interest, that's why I consider it too much.

Huh? I'm not sure I follow your complaint.  You get X2.5 nuyen/karma(5k) but have to pay back 10% of the principle monthly as interest, just like in 5e.  Kinder actually, because you owed an extra 50% on the principle (so 750/karma/month) in 5e. 

Now it should have language so that the interest drops automatically as you pay off the principle.

[Michael Chandra]

In 5e the full 5k was on top. Now it's only 3k extra, and it's not even a source of chargen karma. But you're right that the repayment conditions are kinder.

[Serin_Marst]

I just double checked the wording to be sure, but I don't think that's right.  It explicitly states that the 5k replaces the normal 2k and the maximum conversion of karma to cash is 75k for 15 karma.

[Xenon]

Rules for reference;


SR5 p. 66 Resources
The exchange rate is 2,000 nuyen per Karma, or 5,000 with the In Debt quality.


SR6 p. 66 Step Four: Spend Customization Karma
Remember that you can spend Karma to buy cash for the next step at a rate of 2,000 nuyen per point of Karma, or 5,000 with the In Debt quality.


SR6 p. 77 In Debt
When you spend Karma for cash, every point of Karma you spend gets you 5,000 instead of 2,000 nuyen. Each point of Karma spent also puts you 5,000 nuyen into debt with someone very dangerous and capable of collecting. You must repay interest at a rate of 200 nuyen per level of this quality, which addresses interest only, not principal...The quality can be bought off purely with money; if the principal is repaid the quality is eliminated. This quality can be obtained only during character creation, not during gameplay.


Without In Debt you have the option to get 2k per karma and it will not give you a debt and and you don't have to pay interest rate.

With In Debt you have the option to get 5k per karma but this will also give you a debt of 5k per karma and you have to pay interest rate.

[markelphoenix]

I just double checked the wording to be sure, but I don't think that's right.  It explicitly states that the 5k replaces the normal 2k and the maximum conversion of karma to cash is 75k for 15 karma.

Where do you see a max of 75k in 6e rules?

[Serin_Marst]

I just double checked the wording to be sure, but I don't think that's right.  It explicitly states that the 5k replaces the normal 2k and the maximum conversion of karma to cash is 75k for 15 karma.

Where do you see a max of 75k in 6e rules?

Sorry, I was referencing the 5e rules and should have been clearer.  The point I was, unnecessarly, trying to make is that the quality functions as best as I can tell nearly identically, if even a little more in the player's favor, in 6e to the 5e version so the house rule to reduce the interest rate errata isn't necessary.   

[Michael Chandra]

And I utterly disagree with that claim because the system switched from 'extra nuyen you can get along karma' to 'buffs how much nuyen you can get with karma', which makes it entirely different. As such I personally consider the interest too high.

[Serin_Marst]

Agree to disagree then. 

IMO, a 150% boost to cash for karma at a cost of 10% interest is pretty darn appealing for a NQ even without the karma refund of the 5e version (you still need to spend karma for cash, best case reading of the 5e version is that that karma is refunded, so it counts against the NQ cap maybe?).  Personally, I always thought getting cash and karma was way too good, so we ran it without the bonus karma and it worked just fine.  If a lower interest rate works more fairly for your table, more power to you.