You can choose from three loans - short term and small, to finance a small investment, medium term and large, and a gigantic one for ten weeks, which you should avoid, even though it is the cheapest one of all. After you take a loan, you have the possibility to quickly pay it up and you should do it whenever you have the opportunity. Loan is the last resort - don't use it unless it is absolutely necessary.

Later in the game everything should be set at 100% and no longer be something to be bothered with. You should check this tab from time to time and adjust the expenses to current situation in the city. Not always it is efficiency in production, it can also be reach or the amount of working cars.

It can be from 50% to 150% which makes the efficiency of buildings from that category vary from 25% to 133%. In each category you can regulate how much cash you give to a specific aspect. But if penalties from traffic jams are very big, then you should pay for the transportation.Įxpenses are divided into few categories and each one of them corresponds to different aspect of the city. Income from tickets is nice, but usually not enough even to pay upkeep cost of the transportation if you have more than one type of it. You shouldn't put too much faith in it as touristic trends tend to change often, but sometimes they allow you to earn pretty nice amounts. Second income category is tourism which generates income if there is a lot of unique buildings and commercial zones in the city. In third order on the level of buildings in a zone, the better the level, the more taxes they generate.

In second order it depends on build-up density ( high density zones pay much more taxes). Taxes depend mostly on the size of build-up area in the city. Their size doesn't have a drastic impact on the amount or speed of new buildings. Taxes can be modified in the Economy panel and at the beginning they are set at level 9%. The basic and most important income source are TAXES.

Cities skylines guide