You actually did take in to account the nearness of the year of Jubilee when buying or selling. The Year of Jubilee was more in the realm of property bought and sold between the Jewish people. Specifically that of productive land, family land, and indentured fellow Israelites. What you are looking for is mentioned in the Bible in Leviticus chapter 25.

https://www.biblegateway.com/passage/?search=Leviticus+25&ve...

The responsibility for making a fair purchase/sale was actually on both parties (buyer and seller). This is conjunction with the sale of property actually being considered the right of receiving the profits the sale of the goods the property produced would have prevented pretty much all short term purchasing. A landowner would not give up their land post seeding and prior to harvest because they have already invested in it, and a purchaser is not going to purchase land after a harvest in the year before the Year of Jubilee because there is no way for them to make a profit while still keeping the land.

EDIT: That being said, there isn't really a comparison here because the leaders of the Jewish people would never had made these kind of loans to the general populace and then expect other members general populace to pay for them.