貸款Loans

選用功能，預設可關閉。設 loans.enabled: false 會連同排程一起停用，不會有任何背景任務。

loans:
  enabled: true
  max_active_per_player: 1     # 同時可持有的貸款數
  min_amount: 1
  max_amount: 100000
  min_installment: 1           # 每期最低還款額
  min_installment_by_amount:   # 依貸款總額提高最低還款額
    '1000': 50
    '5000': 250
  max_installments: 60         # 最大分期數
  default_interval_hours: 24   # 每期間隔
  charge_check_seconds: 60     # 檢查該扣款的頻率
  max_missed_payments: 3       # 超過即標記違約

違約處置

  defaulted_effects:
    enabled: true
    refresh_seconds: 5
    duration_seconds: 8
    effects:
    - SLOW:1
    - SLOW_DIGGING:1

格式是 效果名稱:等級，等級從 1 起算。效果會定期重新套用以維持存在。

操作

/loan 或 /vault loan 開啟選單，可申請、查詢狀態與還款。

扣款檢查在非同步執行緒上進行，但實際的扣款動作會回到主執行緒執行 —— Bukkit 的 API 不保證執行緒安全。

Optional, and off by default in many setups. Setting loans.enabled: false disables the scheduler too, so no background task runs.

loans:
  enabled: true
  max_active_per_player: 1     # concurrent loans per player
  min_amount: 1
  max_amount: 100000
  min_installment: 1           # minimum per-installment payment
  min_installment_by_amount:   # raise the minimum for larger loans
    '1000': 50
    '5000': 250
  max_installments: 60
  default_interval_hours: 24   # time between installments
  charge_check_seconds: 60     # how often to check for due payments
  max_missed_payments: 3       # marked as defaulted beyond this

Default penalties

  defaulted_effects:
    enabled: true
    refresh_seconds: 5
    duration_seconds: 8
    effects:
    - SLOW:1
    - SLOW_DIGGING:1

The format is EFFECT:level, with levels starting at 1. Effects are reapplied periodically so they persist.

Usage

/loan or /vault loan opens the menu for requesting a loan, checking status and repaying.

The due-payment scan runs asynchronously, but the actual charge is dispatched back to the main thread — the Bukkit API is not thread safe.