General information | Farm development Professional Farmer 2014 Guide

Regardless of whether you started the game in the career mode or in the free play mode, in this chapter, you will learn how you can develop your farm in the smart way. As it has been earlier pointed out, it is a good idea to start the game by selecting the career mode, to learn the ways of the game. The career mode is also profitable because of the tasks and the monetary rewards for completing them.

As you progress in this business, you can take advantage of several ways of making money. The first and the basic one is cultivation of soils. The arduous task of making money and turning it into new investments (better machinery) may prove to be too difficult for many players. The equipment that you have at the beginning of the game is not too effective. After you expand your business, it is worthwhile to take advantage of help provided by the hired workers. You can also make additional money by keeping animals, which do not require your attention. There also is another way - you can take out a loan. Is it worth it? Is it better to strive for money or to take out a loan?

A Loan or a hard work?

There are three amounts that you can choose from at the bank.

The answer is simple: take out a loan. You can take out a loan only if you go to the bank, located to the far west of the map. There are three loan amounts that you can choose from: 50 000 Euros, 100 000 Euros and 250 000 Euros (in the career mode, you take the last one automatically). You can take out two 50 000 Euro loans, , and when it comes to the other two amounts, you can only take them once, each (this means that, if you take out a 100 000 Euro loan, you cannot take out the 250 000 Euro one).

If you have the money, you can pay up your loan at any moment.

Regardless of the amount that you have borrowed, each round (season shift), the amount of 1000 Euros is deduced from your account, as a means of paying up the capital, and 5% interest of that amount (i.e. 50 Euros). This means that, regardless of the borrowed amount, one installment is always 1050 Euros. At any moment, throughout the game, you can go to the bank to pay up the entire loan (you cannot pay up in installments). A loan is a very profitable tool to finance your investments. And what happens if you do not have the money to pay up an installment? Nothing. In such an event, the amount is not deduced from your account (there is no negative balance). Also, you will receive no penalty if you pay the installment in the next round - and the amount of the interest remains the same - it is heaven on earth.