I think they should change the loans into mortgages.
They could add a mortgage option under "Sell" in the building info pages. Clicking on this will bring up a page with the information on the building including size, employees, and value in fixed assets. This page will contain options for mortgaging the building which includes how many days until you pay back the mortgage, how much the system will let you borrow in exchange for the building (FA value * [Cash / Total FA]), and the rate is 10% per day.
After mortgaging the building, the building will be transferred to a new category/page (kind of like premium buildings) where you can continue to use it as normal until it becomes frozen when you run out of time. You can view the building info page as normal (frozen or not) and pay the mortgage (or some) here and also see how many hours, minutes, and seconds remain. If the building is frozen you will have an additional amount of days (how many days you originally agreed) to pay back the mortgage or else the system will claim the building and place it on the market at 10 times the fixed asset value and the money goes to the system.
Also the rate will be applied to the remaining payment at the end of each day and will continue being applied until the system claims the building for the market. This will add a benefit for players that don't know how long they need the money and will be able to make the payment. This will also have players decide which buildings the system will claim if they are unable to pay the system back the money they borrowed.
Loans to Mortgages
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