Business loans
Business loan details
-
Project aim: secured nonperforming
real estate loans purchase - Project country: Spain
- Borrower: VIA SMS Group
- Loan term: 24 months
- Collateral: Yes (real estate)
- Interest rate: 12%
Business loan details
- Projektziel: Finanzierung des Kreditgeschäfts
- Projektland: Philippines
- Kreditnehmer: VIA SMS Group
- Darlehenslaufzeit: 24 Monate
- Sicherheit: Nein
- Total interest rate*: bis zu 14% *
*Annual interest rate is calculated according to the two component model - guaranteed annual interest rate set to 12% plus bonus at the end of the agreement. More information on interest rate calculation is available in the business loan profile.
Business development project details
- Projektziel: Finanzierung des Kreditgeschäfts
- Projektland: Vietnam
- Kreditnehmer: VIA SMS Group
- Darlehenslaufzeit: 24 Monate
- Sicherheit: Nein
- Total interest rate*: bis zu 14% *
*Die Rendite besteht aus einem zweikomponentigen Vergütungsmodell - 12% Zinsen, die monatlich gezahlt werden, und 2%, die bei Fälligkeit des Darlehens gezahlt werden und die Gesamtrendite von 14% erreichen.
This particular business loan allows early exit from the investment taking into account specific annual interest rate calculation terms. Early exit options and respective annual interest rates are listed below. Early exit from the investment can be requested by pressing EARLY EXIT button available in this particular business loan profile. Invested principal and earned interest returns to investor account after selected notice period.
| Reason for withdrawal from the agreement | Prior notice period | Guaranteed annual interest rate (paid on monthly basis) | Extra annual interest, paid once at the end of the agreement | Total annual interest rate |
|---|---|---|---|---|
| The loan maturity day | n/a | 12% | 2% | 14% |
| Early exit request before the maturity day | 1 month | 12% | n/a | 12% |
| Early exit request before the maturity day | 3 month | 12% | 1% | 13% |
| Early exit request before the maturity day | 6 month | 12% | 2% | 14% |
By selecting one of the early exit options listed below, you will automatically inform VIAINVEST about your willingness to exit the investment after the selected period of time starting from the date when the request is made. Invested principal and respective earned interest will be transferred to your investor account after chosen time period.
This particular business loan allows early exit from the investment taking into account specific annual interest rate calculation terms. Early exit options and respective annual interest rates are listed below. Early exit from the investment can be requested by pressing EARLY EXIT button available in this particular business loan profile. Invested principal and earned interest returns to investor account after selected notice period.
| Reason for withdrawal from the agreement | Prior notice period | Guaranteed annual interest rate (paid on monthly basis) | Extra annual interest, paid once at the end of the agreement | Total annual interest rate |
|---|---|---|---|---|
| The loan maturity day | n/a | 11% | 2% | 13% |
| Early exit request before the maturity day | 1 month | 11% | n/a | 11% |
| Early exit request before the maturity day | 3 month | 11% | 1% | 12% |
| Early exit request before the maturity day | 6 month | 11% | 2% | 13% |
By selecting one of the early exit options listed below, you will automatically inform VIAINVEST about your willingness to exit the investment after the selected period of time starting from the date when the request is made. Invested principal and respective earned interest will be transferred to your investor account after chosen time period.
*Zweikomponenten-Vergütungsmodell: Zinsen von 8% p.a. auf Monatsbasis plus Zinsen, die bei Fälligkeit der Vereinbarung gezahlt werden und dem Anleger eine Rendite von 8% bis 12% p.a. bieten. Die bei Fälligkeit gezahlten Zinsen ergeben sich aus dem Projektkapitalisierungssatz und dem Immobilienverkaufspreis wie folgt:
Berechnungsbeispiel:
| Mietrendite | Verkaufspreis | Zinserträge |
|---|---|---|
| 5,75% | 38 093 071 € | 8% |
| 5,25% | 41 720 983 € | 10% |
| 4,75% | 46 112 665 € | 12% |
Die Kapitalisierungsrate gibt die erwartete Rendite an, die ein Investor voraussichtlich mit einer als Finanzinvestition gehaltenen Immobilie erzielen wird. Der Zinssatz errechnet sich aus der Division des jährlichen Nettobetriebsergebnisses durch den Wert der Immobilie und wird mit 100 multipliziert, um den Prozentsatz zu erhalten.