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You can ride a horse in Metin2 from level 10. The Metin2 Wiki covers the whole system, from the first Riding Ticket to the Mighty War horse and the skills you can learn later.

Getting started

• Open a Riding Permit to receive a Horse Riding Ticket. The ticket lasts 10 minutes.
• An Appaloosa seal lasts 7 days. You can extend it with an Appaloosa Snack (7d) from the Stable Boy.
• From level 25, talk to the Stable Boy to start the horse quest chain. The first horse is permanent.

The four tiers

• Beginner horse (levels 1-10) - requires level 25, a Horse Medal, and 100,000 Yang. The first task is 20 Savage Archers within 30 minutes. You get the Horse Picture after a 1-day wait. Levels 2-10 are checkpoint rides, moving from the starter map to the Valley of Seungryong, Yongbi Desert, Mount Sohan, and Doyyumhwan as you go.
• War horse (levels 11-20) - requires level 35, horse level 10, a Horse Medal, and 500,000 Yang. The level 11 task is 100 Scorpion or Snake Archers in 30 minutes. Group kills count if you are the group leader. You unlock fighting from horseback.
• Military horse (levels 21-30) - requires level 50, horse level 20, a Horse Medal, and 1,000,000 Yang. The level 21 task is 300 Demon Archers in 30 minutes. This tier unlocks horse skills. From level 21 you feed the horse Fodder instead of doing kill quests.
• Mighty War horse (levels 31-40) - requires champion level 1, horse level 31, and 100,000,000 Yang. The task is 100 gnolls in 30 minutes. You get a second horse skill slot. This is the highest horse tier.

Horse skills

• Active skills unlock at horse level 21. Every class has three, except Ninja, which has a fourth:
  • Horseback Slash (level 50): run and attack at the same time.
  • Horse Stump (level 52): the horse pushes the target and faints it.
  • Power Wave (level 55): an explosion that knocks back enemies around you.
  • Arrow Storm (Ninja, level 50): hit up to 5 enemies at once with a bow.
• Passive skills: you can learn two, the first at horse level 21 and the second at 31. They only work while you are mounted. You upgrade them to level 20 with Yang and Gaya.

Care and controls

• Feed your horse or it dies. The status icon tells you when.
• Revive a dead horse with the correct Monkey Herb, gathered from bosses in the ape and gnoll dungeons.
• Rename a summoned horse with Horse Sugar.
• Riding gives +20 defence.
• CTRL + B sends the horse away, CTRL + F feeds it, CTRL + H or G mounts and dismounts.

The same bonuses and skills apply when you ride a Mount.

Sources:
Metin2 Wiki - Horse
Metin2 Wiki - Mounts