Loan Office

The Loan Office is a Secondary Industry card in Machi Koro, originally introduced in Millionaire’s Row

Gameplay
The Loan Office is unique in having a negative cost to build, as the listed cost is zero coins and the effect of the card explains that the player collects 5 coins on building the Office.

Furthermore, the card has a negative return. When the card's activation number of 5 to 6 is rolled by the player, the player pays 2 coins to the bank.

If the player has less than 2 coins, then all their coins must be paid to the bank.

Strategy
This card becomes unhelpful immediately after purchase, so it would wise to use either a Moving Company or a Business Center to move/swap the card to another player's city, especially if the other player is ahead.

Note that, because of the order of card resolution (Restaurants, Primary Industry, Secondary Industry and lastly Major Establishments); when a 6 is rolled to activate the Business Center, the two coins will be paid by the Loan Office's current owner before the card can be swapped.