It looks like Starfield is returning a long-lost Elder Scrolls feature
Starfield has finally been revealed, and it looks like Bethesda’s much-anticipated sci-fi RPG will be reintroducing a mechanic of the Elder Scrolls series that hasn’t appeared since 1996’s Daggerfall.
As shown during the Starfield gameplay reveal at the Xbox and Bethesda Showcase, and spotted by one observant fan on Reddit(opens in new tab), the spacefaring RPG looks to include a mortgage system of some kind. The feature was briefly alluded to when director Todd Howard walked through the game’s character customization features, and discussed several Personal Traits that can be selected for “unique advantages and disadvantages”.
One of these is titled Starter Home. “You own a small house on a peaceful little moon, but it comes with a 50,000 credit mortgage with GalBank,” the trait’s description reads.
The mention of mortgages doesn't usually stir much excitement, but the financial system has a storied history across the Elder Scrolls series. Daggerfall included a surprisingly robust banking system that allowed you to deposit gold in an account, buy items by carrying around a letter of credit, buy and sell houses, and even take out loans at a 10% interest rate. If you were to default, your regional reputation would reduce until you had improved your financial standing.
The mortgage system was dropped for future Elder Scrolls games, although The Elder Scrolls Online does feature banks that can be used to store gold and items. Several mods have also been created for Skyrim that add entire banking systems, spanning loans, debt repayment, and saving accounts. Check out Bordeciel Bank Mod (BBM) or Google's Imperial Bank if that’s your thing.
That Starfield will involve a credit and debt system of some kind shouldn’t be too
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