New Feature in v12.0.75: Locking a Loan Type’s New Loans Allocation
Posted: Wed Jul 15, 2026 10:54 am
A small but frequently requested quality‑of‑life improvement has arrived for anyone running a Bank: starting from version 12.0.75, you can now lock the New Loans Allocation of individual credit‑rating classes.
The problem it solves
On the Bank Headquarters → Loans page, the New Loans Allocation column determines how new lending is split across the five borrower credit ratings — AAA, A, BB, CCC, C — and these must always total 100%.
Previously, adjusting one rating caused the game to automatically rebalance all four others. If you had AAA set exactly where you wanted it, tweaking C could quietly shift AAA again. There was no way to say: “leave this one alone.”
How it works now
Next to each rating’s +/- buttons, you’ll now see a lock icon:
Open padlock — allocation is unlocked (normal behavior).
Closed yellow padlock — allocation is locked and pinned in place.
Click the icon to toggle it.
When a rating is locked, adjusting other ratings will never change it.
The game distributes the change only among the unlocked ratings, keeping the total at 100%.
Example
If you want AAA fixed at 40%:
Set AAA to 40%.
Click the padlock next to AAA — it becomes a yellow closed lock.
Adjust A, BB, CCC, or C freely. AAA stays at 40%, and the remaining unlocked ratings absorb the balancing.
Good to know
You can lock multiple ratings. Unlocked ratings share the rebalancing.
A locked rating can still be changed using its own +/- buttons. Locking only prevents side‑effect changes.
If you lock everything except one rating, that last rating cannot be adjusted (there’s nowhere for the balancing to go). The change is blocked to keep the total valid.
The total always remains at 100.00%, exactly as before.
Hover the lock icon in‑game for a quick reminder of its function.
To start using this feature, please download Capitalism Lab patch v12.0.75 from https://www.capitalism2.com/forum/viewtopic.php?t=10647
The problem it solves
On the Bank Headquarters → Loans page, the New Loans Allocation column determines how new lending is split across the five borrower credit ratings — AAA, A, BB, CCC, C — and these must always total 100%.
Previously, adjusting one rating caused the game to automatically rebalance all four others. If you had AAA set exactly where you wanted it, tweaking C could quietly shift AAA again. There was no way to say: “leave this one alone.”
How it works now
Next to each rating’s +/- buttons, you’ll now see a lock icon:
Open padlock — allocation is unlocked (normal behavior).
Closed yellow padlock — allocation is locked and pinned in place.Click the icon to toggle it.
- bank-loan-lock.png (176.62 KiB) Viewed 1062 times
The game distributes the change only among the unlocked ratings, keeping the total at 100%.
Example
If you want AAA fixed at 40%:
Set AAA to 40%.
Click the padlock next to AAA — it becomes a yellow closed lock.
Adjust A, BB, CCC, or C freely. AAA stays at 40%, and the remaining unlocked ratings absorb the balancing.
Good to know
You can lock multiple ratings. Unlocked ratings share the rebalancing.
A locked rating can still be changed using its own +/- buttons. Locking only prevents side‑effect changes.
If you lock everything except one rating, that last rating cannot be adjusted (there’s nowhere for the balancing to go). The change is blocked to keep the total valid.
The total always remains at 100.00%, exactly as before.
Hover the lock icon in‑game for a quick reminder of its function.
To start using this feature, please download Capitalism Lab patch v12.0.75 from https://www.capitalism2.com/forum/viewtopic.php?t=10647