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Tcee11
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4 years ago

99 in 10 Home Loan Challenge

99/10 Home Loan Challenge

Basic Goals:
Have 99 Babies
Pay Off House Loan With Interest
Try to complete In 10 Generations or Less

Basic Challenge Guidelines:

Decide if your Household is going to be a single Sim or married Sims.
They can be any occult.
Move them onto a bulldozed 50x50 or larger lot-Choose wisely because you must live on the same lot in the same town for the whole Challenge
Use TestingCheats On
Type: Money 1333333
Turn TestingCheats Off
You now have your Dream Home Loan.
Build Your Dream Home or place a lot from the gallery worth at least $99,999,999.00
The money left over from your Dream House Fund is your starting funds.
Example: Your Dream House cost is $1,100,000.00. The funds left in your household Funds should be $233,333.00

Interest Rate Guidelines:
The Generation that pays off your loan is what determines your amount of interest you have to pay.

1st Generation 40% - $1,866,667.00
2nd Generation 30% - $1,733,333.00
3rd Generation 10% - $1,466,667.00
4th Generation 20% - $1,600,000.00
5th Generation 50% - $2,000,00.00
6th Generation 60% - $2,133,333.00
7th Generation 70% - $2,266,667.00
8th Generation 80% - $2,399,100.00
9th Generation 90% - $2,533,333.00
10th Generation 99% - $2,653,333.00

After you have enough to repay your loan use a calculator to figure out how much your sims will have left in their household funds.

Example:
Your sim is on the 6th generation and has accumulated $2,140,000.00

2140000-2133333=6,667

Use TestingCheats On
Type: Money 6,667
Turn TestingCheats Off

Your loan is now repaid!

May use any cheats, mods and CC you wish. Use your discretion and remember that this is a challenge but I want you to play the way you like.

Optional Add Ons:

Start Me Up-
Your Sim(s) Start as Teenagers
Move them onto a lot they can afford.
If you have two teens you can only age up once both of you reach the requirements for teen offspring or it's your birthday.
You can rebuild the apartment as many times as you like after you start game play as long as you have the funds.


After Aging up:

Move to the bulldozed lot you choose for your Dream House.
Selling everything you don’t want to keep.
Times Available Funds by 2.
That is your down payment on your house and then subtract that from $1,333,333.00 and that is your adjusted loan amount.

Example:
You have $75,000.00 when you move
$75,000.00x2=$150,000.00

$1,333,333.00-$150,000.00=$1,183,333.00 <— This is your adjusted Loan Amount
and what you use to calculate your interest.
Paying it off during the 4th generation looks like this:
$1,183,330.00x0.30=$35,499.00
Then
$1,183.330+$35,499=$1,569,999.00 <-Full payment due including interest.

By doing that you saved $30,000 in interest!


The 99 After Party-

Once you have finished the main goals if you have not gone through 10 Generations you can try to accomplish these as well.

Raise 99 Dogs and/or Cats

Build 99 Servos and move them out once you bring them alive. You can add them into am NPC household or just homeless in your unplayed households.

Have your Vampire Sim Turn 99 Sims into Vampires using powers

Have your Spellcaster Sim grant Rites of Ascension 99 times

Have your Alien Sim Do 99 Mind Wipes

Have you Mermaid Do 99 Siren's Calls

Start any of the 99 After Party Challenges at any time.


Other Add on Challenges:

Increase House Value by 33% of the amount your lot says it’s worth in build mode at the time you payed off your loan with interest.

Complete all collections

Completed All Aspirations at least once by any member of the family while part of the household.

Have at least one Sim Complete all of the Aspirations before they age to Elder (Toddler, Kids, The rest and hidden aspersions)

Learn All Recipes

Have at least one of each occult types as your Chosen Child


Guidelines to The Specifics:

Home Renovations:
You can only purchase new items for your home after you have paid off your loan or after 3 Generations.
You can edit the colors of all décor as many times as you like.
You can rearrange furniture but cannot change the house shell. Walls, Stairs, Windows and Doors may not be moved. Roofs are okay to redo as much as you wish because they don't cost anything.
You cannot change the tile type but you can change the color.
Crafted furniture and décor may be placed or replace an existing item of the same function.

Single Sims:
If you wish to have your single sim marry at any point you may do so.

Aspirations:
Only untouchable Aspiration is Fabulously Wealthy. You can complete that once you pay off your loan.

Exception:
If you are starting with Teens you can attempt to complete the Money Tab/First Aspiration (weekly interest) before you age up.
If you fail you may not complete the Fabulously Wealthy Aspiration until your loan is repaid.
You must switch tabs before moving to bulldozed lot and adding the money.
That includes any two teen households except only the ones who failed.
If you’re attempting to complete this aspiration before aging up and you are a couple both of your Sims have to start with that aspiration if either sim completed the aspiration they may not switch tabs or Asperation until you moved to your bulldozed lot added funds and build/place your Dream Home. Make sure to check the requirements so that you fulfill the requirements. I personally always forget the pillars.
Once you start live play that is it. You may not purchase any more furniture unless other wise specified.
If you don’t meet them you can finish it after you pay off your loan.

Work:
It’s up to you.

If both spouses work a rabbithole job and you are both at work you must Hire a Nanny for babies and toddlers and play your offspring.

If you choose Actress/Detective/Doctor/Scientist you have to turn aging off, no offspring in the household until you reach the maximum level of your job. Turn aging back on and then choose to send alone except once a week if you want to you may join your sim at work. Only One Spouse per Generation can work at one of these jobs.

If your Sim{s} work from home and you can take all your offspring (minus babies) with you to complete the objective you must, or it’s a rabbithole then Hire a Nanny. If you’re unable to do either of those then daycare is okay but only as a last resort please. Applies to Single Parents as well.

Single Parents have to hire a Nanny if they are going into a rabbithole job.

Nannies can be replaced by a butler or a Servo. You have to create your own Servo. The Servo has to be a member of the household. If you’re Servo dies you may make a replacement. Household Servos count towards the 99 Servo tally.
You can only have one Servo in your household at a time.


College:
Aging can be turned off.
Same rules for work apply for childcare while attending classes and such.
Must be living in your Dream Home and cannot stay on campus

Exception:
If you start off as teen(s) you can send your first Sims to college and live on campus. If there are two Sims you must attend the same college and live in the same student housing if you want to live on campus.


Vacation:
You must take at least one 3-7 day vacation every Sims Calendar Year. You cannot take a vacation if you are pregnant or have babies in your household.

Holidays
At least one Holiday when school and work is out per season and no more than 2 holidays a week.

You can replace any 1 item on rebate day as long as it is with in $50 of the Original Priced Item when new and has the same functionality as the original item and cost at least $500 dollars.

You can play the lottery.

Age Setting Guidelines:

If you use the games age settings choose any one of the age spans you wish.

If you are creating your own age stage lengths with a mod here the rules:

Age Length:
2-12 days for Babies,
4-32 days for Toddlers
12-112 days for Children/Teens/Young Adult/Adult,
Elders is Adult-(Baby+Toddler)=Elder Age.

Example:
3 Weeks a season
Baby: 3 days
Toddler: 14 days
Kids: 84 Days
Teens: 84 Days
Young Adult: 105 Days
Adult: 84 Days
Elder: 67 Days

No more than 4 Weeks per Season

Gameplay Setting Guidelines:

You can enable aging during pregnancy if you wish. It must stay enabled through the whole time and vice versa.

Choose your game menu toggles like weather choices, Fame/No Fame, NPC Community Vote/No NPC Votes, Environmental Effects, Build/Buy item affect gameplay , Dust, Life span, Lifestyles, Autonomy etc..

If you add a laundry game play item (wash tubs, washer/Dryer/Close Line once you place it and start your game you cannot ever stop having to do laundry.

If you place a handheld or upright vacuum cleaner in your household you must toggle Dust on. You may never change it back.

If your house is haunted you can change it after you have unlocked Guidry's outfit.


Occult Guidelines:

Your Choice but your Sim(s) cannot change occult unless they do it via game play. For example: Finish the Good Vampire and acquire The Vampire Cure, Drink it, then ask to become a Spellcaster. Aliens are forbidden from changing their occult.


Reward Guidelines:
No Money Tree or Seeds except for one seed to finish your collection and then you must sell it. May not copy it using magic.


Aging Up Guidelines:

Babies:
On their Birthday

Toddlers:
Maxed All Skills or Birthday

Kids:
All 4 Aspersions Completed
All Child Skills Maxed
Done at least 2 School Projects
Have an A in School
Joined After School Activity (Exception: See Teen Section) or Birthday

Teens:
Completed 2 Aspersions
Has an A
Done at least 2 School Projects
Reached Max Level in After School Activity or After School Job (You decide if your offspring will be in an After School Activity or a Teen Job when they age up to Child)

You can keep any offspring at their current life stage until their birthday even if they have completed their objectives.

Traits: You have to raise them so it's up to you!

The Parent(s) Guidelines:

Any Occult
Single or Married
If you are an immortal then add the number of days a non immortal sims lifespan and minus elder days and when you have lived for that number of days you can no longer have children and must move out.


The Next Generations Guidelines:

The last offspring you can have in each generation must be aged up to teenager before the parent(s) pass away of old age.

If your Parent(s) Sims die of anything other than old age you must ask them to join your household till they have reached the right number of days lived to reach elder then move them out. Ghost Parent(s) continue on where they left off except you have to adopt because ghosts can't have or make babies. If you have a mod that changes that then they can give birth as long as the baby is not a ghost

The Chosen One’s Spouse if desired:
Create them or use a gallery sim as long as they don't add funds to your household.
If you can manage to cheat a marriage to the Grim Reaper you may.

Place them
Get to know them
Romance Them
Marry Them
More Babies
Make Money

Repeat Till The Challenge is Complete

Other Guidelines:

If you are adopting use a random number picker for 1-3. The corresponding number is the number of babies that you adopt. You choose the first babies listed. Only Adopt Babies. You must wait 4 days to adopt aging to make up for pregnancy time.
You can Adopt and Have Babies. No adoption if your Sim is pregnant. Wait 4 days after birth to adopt. No more than 3 babies at a time in the household.

Alien Abduction Pregnancy is the only way to have both parents pregnant at the same time it is very rare but I did have it occur once. In the event of this happening you have to send the Alien babies to their home world until you only have 3 Babies. Let’s say your spouse has twins and you have triplet Aliens. That means 2 of the aliens must be sent to the home world by clicking that option on the bassinet.


Pets:

If you have a cat/dog/raccoon/fox then you must always have one in the house.
You have to try and train them to the best of your ability. If they learned all the tricks and have completed an obstacle course (with at least one of each obstacle) with no mistakes and a gold star they count towards both your offspring count and your pets count if you decide to do the After Party 99 pets add on.

You can Change between cat or dog one of each or 2 of 1. If you start with one pet you will always have at least one pet. No more than two pets at once.

Pets can be added at the start of a new generation. You can add a Dog to generation 2 and then add a Cat in generation 6. Pets cannot be aged up early unless you finished the main goals of the challenge.

If you have completed the 99 kids part and are still paying off the loan you have to have one child to take over the next Generation and the rest can all be pets.
If you payed off your loan and had 99 offspring but haven’t reached 10 generations you can try and raise 99 pets. Your pets can now have children and can be aged up from adult to elder after they learn all the tricks and passed a Full Obstacle Course(one or more of each of the obstacles) with a gold star and no mistakes.
You don’t have to have any more kids if you’re Adult Sim(s) are immortal to finish the rest of the generations and try for the add on challenges.

Caged pets don’t count.

Age Span Pets:
Puppies/Kittens 1-12
Adults 12-96
Elders 9-60

Example:
Using the Sim Age settings above
Puppies 6-9 days
Adults 36-63 days
Elder 21-45 days

You cannot have a pet as a teen with the exception of caged pets. If you have a caged pet in your apartment you do not have to bring it to your Dream Home.

When your pet passes away wait 4 days to add another.

Clubs:
Your Choice

Batuu:
Your Choice

You can build your Dream Home ahead of starting the challenge, save it to your library then when your on your chosen bulldozed lot and have $1,333,333.00 in your funds place the lot. Check for any final adjustments and press live.

You are now living in your Dream Home.

Save your game.

Go to your options menu and double check your settings.

When you are sure you’ve covered all your bases

Save your game

Start playing and have fun!

I want you to enjoy this challenge (hence the lack of restrictions) so make it as challenging as you like.

I will be starting this challenge tomorrow and will be uploading my home and couple with the #99in10Loan

I hope some of you will try this challenge. If you have any questions please ask away!

Remember to play it your way, the rules are just guidelines even for me. When I post updates I will include if I used a mod or CC or cheat.

Have a Goodnight/Evening/Morning/Afternoon when and wherever you are!

Happy Simming!

Hopefully this is the last edit I will need to make. 🤞

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