Why would we just take on R360,000,000 worth of debt (total after 15 years) when they already don't like the Hyuuga?
There has to a better middle ground.
Currently, they have about R168,500,000, assuming an interest rate of 12.5%. If it's 15% then it's closer to a principle of R150,000,000.
If we could refinance their loan at 9.2% for 20 years (rather than 12.5% for 15 years) then their monthly payments would be R1,498,000. Which would probably make them pretty happy to have payments reduced by 25% and be indebted to us rather than the Hyuga.
In order to do that in an economically sound way, we would need to take on their loan and pay off R43,000,000 to give them (now us) a principal of R125,500,000, making our monthly payments (to Hyuga) R1,493,000.
We currently have R10,000,000 in the bank right now. That's not enough. We could do it as part of a group loan with some other clans for the total R43,000,000.
If we did take it on entirely on our own, and paid R10,000,000 off the top of the principal, that would be monthly payments of R1,886,000 - we'd be on the hook for an additional R388,000 each month.
If we wanted to break closer to even, we could offer the Hagoromo terms of 12% for 17 years, making the monthly payments R1,871,000. Which is not a small discount, and we're still better people to be indebted to than the Hyuga.
Incidentally, if we paid the R10,000,000 off of the principal we currently owe then our mortgage payments would drop to R515,232 from R675,526, which might be something to consider doing since that's a nearly 25% reduction in payments.
We should probably do that in any case (minus an emergency chest) since the savings are better off of our mortgage than on the adopted Hagoromo debts if we adopt them (unless Hyuga are being usurious, see below).
If we took the R10,000,000 off the Goketsu mortgage, and adopted the Hagoromo debts, to break even we could offer them slightly better terms, such as 11.5% for 16 years for payments of R1,862,000.
Unfortunately, the real issue with these analyses is that we don't know the interest rate of the Hagoromo debts. Since the Hyuga are being portrayed as abusive jerks, and Jaraiya probably got much better terms, it's reasonable to believe they have the Hagoromo paying a much more usurious rate.
If it's something insane like 25%, then R10 million off the top of a R103 million principal turns their payments into 1,809,000. If it's 35% then the principal is R78 million and we can get the payments down to 1,741,000.
It may also be worth looking into getting a loan from ISC, Tsunade, or other. If we can get a decent rate and levy that loan to pay off the principals of the worse loans then we can actually make a profit by getting the loan.
So,
@eaglejarl @Velorien @OliWhail how much is the Hagoromo principal and/or interest rate?