Each bank certificate §10.000 is locked for 5 simdays, interest 1%
Certificates can be sold at any time but the holder might miss interest because interest is added only every 5th simday.
Limited to 25% of the household's networth.
Bank loan interest is 2% and is paid every 5th simday. In addition the loan is increased with §500 every 5th simday, and this can be done only twice, meaning the loan must be paid bck within a total of 15 simdays.
It's only possible to close a loan on that 5th simday.
We also have individual accounts (notes in the household info window, hood view), but there is no interest included.