A quick information about how the bank works:
The bank allows you a loan up to 40% of your building value, but not more than 1.5 times your profit of the last 12 Wus.
If you have made no profit you don't qualify for a loan.
Durations are 6, 12 18 or 24 months.
The loan is repaid by monthly installments.
You can only take out one loan at a time.
Interest is always calculated for the remaining debt.
Interest is dependant on the percentual amount of the maximum Loan:
up to 25% -> 12% Interest
up to 50% -> 15% Interest
up to 75% -> 18% Interest
up to 100% -> 21% Interest.