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Lars from Passives Einkommen mit P2P invests on Viainvest

Passives Einkommen mit P2P
Lars

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Regulated
Latvijas Banka supervises compliance with EU laws and regulations made to protect investors, like MiFID
Securities are backed by the pool of loans
Using segregated accounts to safeguard investors' assets
The security issuance is overseen by the NASDAQ CSD SE
Investor protection scheme of up to EUR 20 000
Appropriate product offering based on investor knowledge assessment
Safe environment monitored by market regulator

Other P2P loan platforms
Business integrity
A single loan investment
No requirement to hold separate accounts
Loans issued by platform
No state guarantee
Same investment product offers for everyone
Security procedures defined and monitored by the platform

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* This is a marketing communication and in no way should be viewed as investment research, advice or recommendation to invest. There is no guarantee to get back the invested amount. Past performance of financial instruments does not guarantee future returns. Investing in financial instruments involves risk. Before investing, consider your knowledge, experience, financial situation and investment objectives. Read more here.

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.

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%

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	9%	2%	11%
Early exit request before the maturity day	1 month	9%	n/a	9%
Early exit request before the maturity day	3 month	9%	1%	10%
Early exit request before the maturity day	6 month	9%	2%	11%

*Two component compensation model: interest of 8% p.a. on monthly basis plus interest paid at maturity of the agreement, providing investor with yield to maturity range from 8% to 12% p.a. Interest paid at maturity derives from project Capitalization Rate and Real Estate sales price as follows:

Calculation example:

Capitalization Rate	Sales price	Yield to maturity
5,75%	< 38 093 071 €	8%
5,25%	38 093 071 € - 41 720 983 €	10%
4,75%	46 112 665 € <	12%

Capitalization rate indicates the expected rate of return an investor is likely to achieve on an investment property. The rate is calculated by dividing net annual operating income by the value of the property and multiplied by 100 to get the percentage.