In the “Let’s talk about money” series, the FMA explains why
Investors should pay attention to this product
Vienna (APA-ots) – The Austrian Financial Market Authority (FMA) is dedicated
yourself in the
current edition of the information series “Let’s talk about money”
qualified subordinated loans – a risky form of financing,
which are often used in real estate or corporate projects
becomes.
With qualified subordinated loans, investors lend to you
Business money – usually for real estate or corporate projects.
In the event of bankruptcy, these loans come after all others
Creditors served – there is no entitlement to deposit protection
or guaranteed repayment. Often what remains is for the subordinated creditors
nothing left. The repayment can also be postponed if that
company gets into financial difficulties. A total loss
is possible. There are no rights of say or
Profit sharing.
High interest rates are intended to compensate for the risk. However, the FMA warns:
Promises of high interest rates without a comprehensible business model are a thing
Warning signal. Only invest with transparent providers and
Only bet money that you can afford to lose.
The FMA particularly recommends the subordination clause in the contract
to be checked carefully. It regulates that interest and repayments only
may take place if the company is financially sound and no
Risks arise from payment. The clause must be transparent and
must be formulated in a legally effective manner – otherwise it may be ineffective
be.
Zwtl.: Conclusion
Qualified subordinated loans are not safe investments,
but rather high-risk investments with the risk of total loss. The FMA advises
Investors to obtain comprehensive information and if there is any uncertainty
seek independent advice.
The new edition of “Let’s Talk About Money” entitled “Jobs
Look at the back!” is, like all previous editions, online
available at https://redenwiruebergeld.fma.gv.at/. Further information
Information on the subject of finance can be found in the “Finanz-ABC”.
the FMA website.
You can also follow “Let’s Talk About Money” on Instagram at @
let’s talk about money. There is the “Let’s Talk About Money” podcast
everywhere there are podcasts.
Inquiry note:
FMA media spokesperson
Boris Grondahl
Telephone: +43 1 24959-6010 / +43 676 8824 9995
Email: [email protected]
Digital press kit: http://www.ots.at/pressemappe/694/aom
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