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Loans & Estates - The Fixening

A lightweight mod that attempts to fix the bankruptcy issues plaguing the estates.

The way estate income and expenses are currently calculated and handled is fundamentally broken. Estates, counter-intuitively, generate income based on control and not lack of control, meaning that they benefit from a centralized realm but are hurt by a decentralized realm. However, they pay for all of their associated pop expenses regardless of control. The result is that Estates are constantly in the negative on even slightly non-centralized nations and thrive in absolutist realms. This means that until mid game, estates will struggle to pay for their own demands and won't fill your national bank with loan offerings. This means that in certain cases a single loan can bankrupt your nation, as there are no loan offerings on the table.

Here is where this mod comes in - provinces with low control still pay estates their due, however this income is not taxable by the crown. Estates actually benefit from low centralization and can now both offer loans and build buildings, the more decentralized your state - the stronger the estates will be. This non-taxable income is also hurt by your crown power, making centralization-decentralization an actual choice.

Estates are considerably richer now, however they aren't ridiculously strong.

Note - I have failed to find a way to visualize the income that estates generate through this mod, as the ways I would have done so in EU4 or other PDX games don't work in EU5. Hopefully this mod becomes obsolete rather soon, as PDX should fix estate income/expenses sooner rather than later.

Completely safe to add and remove mid-campaign.