Loans
The guide lists Loans at Little Hamlet, the 500-population milestone. It describes borrowing as a way to expand the city quickly and reports one loan of €21,000 at 5% interest.
How it works
The excerpt presents the loan as available capital with interest attached. It does not explain repayment timing, whether additional loans become available later, or how the stated amount and rate vary, so those details cannot be inferred from this window.
The tradeoff
Borrowing provides money to expand but carries the stated interest cost.
Read the supporting references
Original Cities: Skylines milestone progression and selected unlocks. Excludes Cities: Skylines II systems and modded unlocks. Guidance explains the referenced mechanics; it is not a tested damage ranking. Check the stated edition and source version before applying a patch-specific detail.