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    Project Jurmala en Latvia

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    Project Jurmala en Latvia

    Mensaje por Admin el Sáb Ago 05, 2017 1:27 am



    Bueno pues me acabo de dar de alta en la plataforma, y voy a realizar una pequeña inversion.



    Como lógicamente no puedo hacer un estudio de estas propiedades , lo único que puedo aportar de momento es que soy el inversor nº 654 y que la plataforma tiene mas o menos un año de vida, por lo que he visto.

    De momento solo veo financiados 6 proyectos, y lógicamente de valor mucho mas pequeño que los españoles.

    Son prestamos garantizados con hipotecas y en este en particular es un prestamo para rehabilitacion de 4 inmuebles de casi 900 m2 en total.

    El plazo es de un año con vto. el 17-08-2018

    Quien dijo miedo.,,,,

    _________________
    Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
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    Re: Project Jurmala en Latvia

    Mensaje por Ragagu el Sáb Ago 05, 2017 1:33 pm

    Me motiva ver que ADMIN da el salto a esta plataforma...
    Creo que para conocer bien éstas plataformas no queda más remedio que adentrarse en ellas como inversor. Pues ya nos contarás todo lo que vayas averiguando del sistema que emplean...
    Así que préstamos al estilo de las últimas oportunidades de HOUSERS, no? Y con garantía de Hipoteca? Te refieres a que un banco ha concedido una hipoteca y, por tanto, cierta tranquilidad da ver que una entidad financiera con expertos, del nivel de los que tiene HOUSERS (ironía), en la materia han decidido concederle un préstamo, no?
    Bueno, si es en plan préstamo se puede considerar como otra plataforma de CROWDLENDING pero sin Buyback garantee, no? HOUSERS tampoco tiene BG y la peña invierte como si fuera un depósito a un mes!

    Espero ansioso información para dar el salto....A ver si me doy de alta por lo menos en estos días...

    Ragagu

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    Re: Project Jurmala en Latvia

    Mensaje por Admin el Sáb Ago 05, 2017 2:51 pm

    Hola Ragagu,

    funcionan como alguna otra que hemos visto meses atrás (creo que por Gran Bretaña, pero el tema de las Libras y el Brexit me pararon,), hipotecan el bien para obtener el préstamo, en este caso el prestamos es solo por el valor del 16% del bien, hay también un certificado de una empresa dedicada a ello.

    Lógicamente NO TENGO conocimiento suficiente de este mercado , ni de estas sociedades para conocer la veracidad de la mismas, eso es algo que también tengo aprendido que torres mas altas han caído.

    Este proyecto es un bloque de apartamentos, por lo que entiendo que es un negocio y de alguna forma mas o menos rápida, el principal del préstamo esta garantizado.

    Lo que ofrecen en este proyecto es un retorno del 13.4% para agosto del 2018, si sale  bien, teóricamente sera sin impuestos hasta que los tenga que pagar en el 2019. lo cual también el coste oportunidad es valido.

    De todas formas quiero contactar la próxima semana con Bulkestate para confirmar este tema.

    Investments
    What guarantees are provided for investments?
    Each investment object is being examined from both Bulkestate and real estate experts, as well as the loan is secured by a mortgage on immovable property, so we are sure that the loan will be repaid to investors. We also take into account the future value of the property, where loan to the market value of the object is relatively low, which indicates that the object will be quickly realized, to repay the loan to investors in case of project failure.


    ¿Qué garantías se proporcionan para las inversiones?
    Cada objeto de inversión está siendo examinado por los expertos en bienes inmuebles, el préstamo está garantizado por una hipoteca sobre bienes inmuebles, por lo que estamos seguros de que el préstamo será reembolsado a los inversores. También tomamos en cuenta el valor futuro de la propiedad, donde el préstamo al valor de mercado del objeto es relativamente bajo, lo que indica que el objeto se realizará rápidamente, para devolver el préstamo a los inversores en caso de fracaso del proyecto.

    _________________
    Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
    » Benjamin Franklin  (1706-1790) Estadista y científico estadounidense

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    Re: Project Jurmala en Latvia

    Mensaje por lll-lll el Sáb Ago 05, 2017 7:08 pm

    si vas a contactar con ellos ...
    sugiero algunas preguntas relativas a los detalles de la hipoteca que garantiza el reembolso del préstamo:
    ¿como se formaliza legalmente la hipoteca?
    ¿quien es el beneficiario de la hipoteca?
    ¿garantiza el principal + intereses +demora?
    ¿hay intereses de demora a percibir por el inversor?
    en caso de impago ¿cual es el procedimiento de reclamación, los gastos y los plazos aproximados de recuperación de préstamo?
    ¿la hipoteca cubre los gastos de reclamación y demora?
    ¿en caso de quiebra de bulkestate quien es legalmente el beneficiario de las hipotecas pendientes en garantía de préstamos?
    en general ¿a quien presta el dinero el inversor a bulkestate o directamente a cada prestatario?
    ¿se puede consultar y descargar el detalle de cada hipoteca?¿en que idioma?

    _________________
    mis comentarios solo expresan una opinión, no son consejos de inversión, ni pretenden sustituir el asesoramiento financiero de un profesional acreditado

    lll-lll

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    Re: Project Jurmala en Latvia

    Mensaje por Admin el Sáb Ago 05, 2017 10:31 pm

    Hola III III

    tu siempre al quite.

    Ya en la pagina web dan algunos detalles de del sistema, como por ejemplo que cobran el 1.8 % del préstamo en la firma y el 0.9% a la finalizacion del préstamo/hipoteca.

    El sistema que siguen por lo que puedo ententer hasta ahora es:

    no dar mas del 60% del valor del bien mediante hipoteca, formalizan la hipoteca y luego venden a los inversores el préstamo mediante un contrato

    El préstamo garantiza el principal + intereses , pero si te das cuenta los intereses demora en Europa legalmente están al 8% , muy por debajo de lo que estan cobrando por los prestamos.

    Según su web en el contrato se especifica que pasados 15 días sin recibir el pago, pueden ejecutar el préstamo, aunque antes se analizaran individualmente cada caso para encontrar la mejor solución.

    No se los tiempos que puedan tardar en ejecutar un tema como un desahucio , pueden ser meses o años, es una buena pregunta para hacerles.

    Si quiebra bulkestate el inversor a través del contrato que se firma con bulkestate adquiere la parte proporcional ( esto lo vere cuando firme el primer contrato) y hay al parecer un bufete de abogados que llevaria todo esto ( el coste no lo se seria otra buena pregunta)

    El resto de tus preguntas se las haré por que son interesantes y como siempre "los experimentos con gaseosa"

    De momento les he preguntado por temas fiscales, y así también veré como actúan en el tema del soporte.

    Un abrazo amigo.

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    Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
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    Re: Project Jurmala en Latvia

    Mensaje por Admin el Lun Ago 07, 2017 7:15 pm

    Hola amigos,

    Ya tengo respuesta respecto a los temas fiscales, no retienen nada a los inversores fuera de Latvia, con lo cual es un punto positivo a su favor.



    Acabo de enviarles un nuevo correo con mas preguntas siguiendo el hilo de la aportacion de III III.

    Cuando tenga mas noticias , las publico.

    Saludos.

    _________________
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    Re: Project Jurmala en Latvia

    Mensaje por Admin el Mar Ago 08, 2017 10:19 pm

    Bueno de momento, una vez que han recibido el pago envían la factura al área personal.



    Y aqui el contrato

    Part II
    GENERAL PROVISIONS OF THE CESSION AGREEMENT
    1. Used definitions and their explanations:
    Loan agreement the agreement concluded (onsite or in a distance contract form) between Bulkestate and the Borrower
    on issuing of the Loan to the Borrower.
    Loan unpaid loan principal or its part lent to the Borrower under the Loan agreement, that according to the
    Agreement has to be paid by the Borrower to Bulkestate and that afterwards Bulkestate diverts in favour
    of the Assignee.
    Borrower legal person, with whom Bulkestate has entered into a Loan agreement.
    Service fee fee that the Assignee pays to Bulkestate for the service of the Claim under the provisions of the
    Agreement and that is specified in the Price list.
    Bulkestate OÜ “Bulkestate”, the registration number 14002296, that maintains and operates the Website, manages
    the Claims of the Assignee, as well as performs other tasks mentioned in the Website user rules and
    Agreement.
    Bulkestate account/-s the bank account/-s of Bulkestate specified in the Website where under the provisions of the Website
    user rules the funds of the User shall be counted for the transactions in the Website and what is/are kept
    separately from the property of Bulkestate.
    Price list the prices specified in the Website that the User pays Bulkestate for the service of Claim.
    Assignee the User, who under the Agreement has purchased the Claim from Bulkestate.
    Assignee's bank account the bank account of the Assignee opened in any European Union Member State, from which the
    Assignee transfers the price of Claim.
    Working day any day, when the banks are opened in Estonia, except Saturdays, Sundays and the statutory holidays.
    Creditor the User, who owns the Claim against the Borrower.
    User’s profile the operating platform registered in the Assignee’s Website that under the Website user rules is built
    automatically and is permanently available to the Assignee after entering of Assignee’s e-mail address
    and password in the Website.
    User the person registered in the Website as user, including the Assignee.
    Agreement the present Cession contract concluded between Bulkestate and the Assignee with all its appendices and
    amendments.
    Basic provisions the Part I of the Agreement – Deal Confirmation.
    Website user rules the general rules of the Website www.bulkestate.com User agreement that are in force at any given time.
    Website the sites created and maintained by Bulkestate united under the domain name www.bulkestate.com and
    allowing its Users to use various interactive services offered by Bulkestate operating within that site.
    Claim price the price for Claim cession specified in the Basic provisions.
    Claim monetary claim or its part against the Borrower that arises from the Loan agreement and is assigned
    from Bulkestate (as the original creditor) to the Creditor. The Claim can consist of the Loan, Interest
    and other additional claims in full or partly, pursuant to § 164 of the Law of Obligations Act of the
    Republic of Estonia.
    Interest the remuneration for the usage of the Loan specified in the Basic provisions that is part of the Claim and
    that has to be paid by the Borrower under the Schedule annexed to the Loan agreement. Interest shall be
    calculated of the remaining principal included into the Claim.
    Parties Bulkestate and the Assignee.
    General provisions this Part II of the Agreement.
    2. The object of the Agreement
    2.1. Bulkestate assigns to the Assignee the Claim against the Borrower arising from the Loan agreement, in accordance with the Agreement
    for the Claim price specified in the Agreement.
    2.2. The Assignee acknowledges and agrees that during the Agreement period Bulkestate without prior approval by Assignee has the right to
    alternate or to conclude additional agreements to the Loan agreement with a condition that in the result of such amendments and additional
    agreements the Borrower’s payments cannot be reduced and payment terms cannot be extended or postponed. Bulkestate undertakes to inform
    the Assignee about such amendments at least 10 (ten) Working days before their entry into force, and the Assignee recognizes them as binding.
    2.3. Bulkestate confirms that the Loan shall be disbursed to the Borrower no later than by the date stated in the Loan agreement. By entering
    into the Agreement the Assignee does not assume any obligation or liability to the Borrower.
    2.4. The Claim shall pass from Bulkestate to the Assignee at the moment when the Assignee has fully paid Bulkestate the Claim price.
    2.5. If the Claim is only a part of all claims against the Borrower arising from the Loan agreement, the Assignee confirms and understands that
    the Claim does not include all claims against the Borrower arising from the Loan agreement, the Assignee shall not become the only creditor
    of the Borrower under the Loan agreement and in such case other Creditors maintain the claims against the Borrower that arise from the Loan
    agreement.
    3. Conclusion and entry into force of the Agreement
    3.1. The Assignee confirms that it is familiar with the Website user rules and provisions of the Agreement and understands the rights and
    obligations arising of it, as well as confirms that the provisions are consistent with the will of the Assignee.
    (2/3)
    3.2. The Assignee has confirmed its consent to conclude the Agreement in the Website. The Agreement between Bulkestate and the Assignee
    is considered as concluded and enters into force at the moment when the Assignee under the Website user rules in its User profile has approved
    the Agreement and paid the Claim price in accordance with section 4. The Assignee can verify in its User profile the fact of the conclusion of
    the Agreement and the concluded Agreement.
    3.3. The Assignee confirms that at the moment of the conclusion of the Agreement the Assignee has legal capacity and is not influenced by
    alcoholic, narcotic, psychotropic, toxic or other intoxicating substances.
    4. Claim price and order of payments
    4.1. For the Claim cession described in the Agreement the Assignee pays Bulkestate the Claim price as mutually agreed and specified in the
    Basic provisions.
    4.2. The Assignee pays Bulkestate the Claim price no later than within 2 (two) Working days after the Assignee in the order prescribed in the
    Website user rules has approved the Agreement provisions. The purchase of the Claim made by the Assignee is effective at the moment when
    the Claim price is credited into the Bulkestate’s bank account. On the day, when the Claim price is credited into the Bulkestate’s account the
    Claim shall be considered as transferred to the Assignee.
    5. Authorisation for the claim’s management
    5.1. After the Claim is passed from Bulkestate to the Assignee under section 2.4 of the General provisions, the Assignee irrevocably assigns
    and authorizes Bulkestate of Assignee’s behalf and interest, but in its own name to manage the Claim, as well as on behalf of the Assignee to
    exercise the rights, the powers and the freedom of action, which it has been granted in accordance with the Agreement.
    5.2. The Assignee grants Bulkestate the legal power to manage the Claim that Bulkestate uses in its own name but in the Assignee's interest.
    5.3. Bulkestate manages the Claim until the Claim is repaid in full, acting as the Assignee’s representative and trustee in accordance with §
    118 of the General Part of the Civil Code Act of the Republic of Estonia and § 619 of the of the Law of Obligations Act of the Republic of
    Estonia. Among Bulkestate and the Assignee there is only relationship characteristic for Bulkestate as trustee and the Assignee as the principal.
    5.4. Approving the Agreement, the Assignee authorizes Bulkestate to settle all issues related to the repayment of the Loan and the fulfilment
    of the Loan agreement. Exercising the authorization of the Assignee given in the present section, Bulkestate undertakes to act in the Assignee’s
    interests with utmost care.
    5.5. Bulkestate will take all reasonable steps for Assignee’s Claim would not be considered a Bulkestate property and it is not the subject of
    any mortgages, restrictions or other encumbrances in favour of Bulkestate as creditor or administrator. Bulkestate will take all reasonable steps
    for Assignee’s Claim would be free from claims of the third persons against Bulkestate and it would not be arrested.
    5.6. The authorization included herein is given with the reauthorization rights and are in effect for the duration of the Agreement. Bulkestate
    is entitled to act with the aid of its employees and authorized representatives.
    5.7. The Assignee undertakes to comply with the obligations mentioned in the section 8.1 of the General provisions not to inform the Borrower
    on the fact of the Claim cession, unless the Assignee has wholly or partly withdrawn the authorization specified in the Agreement.
    5.8. For services rendered by Bulkestate as agent (trustee) the Assignee pays Bulkestate Service fees under the Price list or Service fees
    individually determined by the Assignee and Bulkestate, as well as payments specified in the Price list, if such are applicable.
    6. Order of repayment of the Loan and Interest
    6.1. The Borrower makes the Borrower’s payments to Bulkestate each month in accordance with the Loan agreement and its attached schedule.
    The term of repayment of the Loan specified in the Basic provisions is only informative and conforms to the Loan repayment term specified
    in the Loan agreement. Bulkestate is not responsible for the Borrower’s non-compliance with the Loan repayment term.
    6.2. After receiving the Borrower’s payments from the Borrower, Bulkestate distributes all received funds among all the Creditors of the
    Borrower, who at the moment of receiving of Borrower’s payment have the Claims against the Borrower, including the Assignee, as follows:
    6.2.1. the received Loan principal shall be distributed proportionally to each Creditor’s Claim against the Borrower;
    6.2.2. the received Interest and other adjacent claims arising from the respective Claim shall be paid to the User who owns the respective
    Claim;
    6.3. Immediately after receiving funds from the Borrower, Bulkestate transfers the respective amount of the money to the Assignee’s bank
    account, withholding from the payment the Service fees and other payments in accordance with the Price list (if any).
    6.4. The Assignee is informed and agrees that calculating the Interest, the statutory default interest and other ancillary claims, as well as the
    sums that should be paid out in accordance with the Agreement, it is assumed that a year consists of 360 days.
    6.5. For the Loan repayment and Interest payment delays, Bulkestate has the right to calculate and demand from the Borrower the default
    interest and penalty in the amount and order specified in the Loan agreement.
    6.6. If the Borrower makes the full or partial early repayment of the Loan, Bulkestate distributes under the Website user rules all the received
    funds between all the Creditors of the Borrower, who at the respective moment have Claims against the Borrower. After receiving funds from
    the Borrower, Bulkestate transfers the respective amount of the money to the Assignee’s bank account, withholding the Service fees and other
    payments in accordance with the Price list (if any). The Assignee undertakes not to impose against Bulkestate or the Borrower any claim for
    early repayment of the Loan in full or in part due to the loss of profit and any other loss or damage in that respect.
    6.7. If the Borrower under the Loan agreement makes only the partial Borrower’s payment, Bulkestate distributes under the Website user rules
    all the received funds between all the Creditors of the Borrower, who at the respective moment have the Claims against the Borrower. After
    the distribution of the received funds, Bulkestate transfers the respective amount of the money to the Assignee’s bank account, withholding the
    Service fees and other payments in accordance with the Price list (if any). The Service fee shall be calculated and paid, pursuant to the procedure
    set out in the Price list.
    7. Borrower’s default
    7.1. Bulkestate is not responsible for the Borrower’s default, including delay in payments.
    7.2. Approving the Agreement, the Assignee authorizes Bulkestate in the case of the Borrower’s non-fulfilment or improper fulfilment of the
    obligations under the Agreement to settle all the matters, related to the restructuration of the Claim (alterations of interest rates, repayment
    term, payment Schedule etc.), extrajudicial and/or judicial realization with all the rights that by the law are granted to a plaintiff, a defendant,
    a third person or a victim, including the rights to enter into settlements, to recognize claims or to waive them in whole or in part, to alter the
    subject-matter, to bring a counter-claim, to appeal against a court judgment or decision on appeal or cassation, to arbitrate, to receive executive
    (3/3)
    documents and submit them to the recovery and receive the Assignee’s imposed property and money or to abstain from the receipt of such
    property or money, to initiate and/or terminate the execution proceedings, to enforce any security securing the Loan, and to sign any document
    in connection with the mentioned above. For carrying out of the activities mentioned in the present section, the Assignee pays Bulkestate the
    commission fee according to the Price list. Using the Assignee’s authorization given in the present section, Bulkestate undertakes to act in the
    Assignee’s interests with due care. Upon exercising the authority granted by the Assignee in this section, Bulkestate has full discretion to
    choose which action to take in case of the default of the Borrower. Bulkestate has the right to demand performance by the Borrower to
    Bulkestate. If requested by Bulkestate, the Assignee shall issue Bulkestate an additional proxy or assign the Claim back to Bulkestate to perform
    Bulkestate’s rights and obligations under this section.
    7.3. The Assignee is aware of the Borrower’s default risk, as a result of which the Assignee may not recover the full amount of the Claim.
    Bulkestate undertakes to take all reasonable and permissible activities to promote the Claim’s timely and full recovery. In the case of the
    Borrower's default Bulkestate does not assume responsibility for the safety of the Claim and Bulkestate has no obligation to reimburse the
    Assignee the paid Claim price or its part.
    8. Order of communication
    8.1. The Parties undertake not to inform the Borrower about the fact of the Claim cession. The Parties undertake not to raise any kind of claims
    against one another in this respect.
    8.2. The Assignee is aware and informed that Bulkestate has the obligation to ensure confidentiality of the Borrowers’ personal data, therefore
    Bulkestate, in the framework of the Agreement and based on the request of the Assignee, reveals to the Assignee only the limited information
    about the Borrower.
    8.3. Notwithstanding the obligation provided in the section 8.2, Bulkestate, upon the request of the Assignee, shall disclose to the Assignee the
    Borrower’s name, registration number, telephone number, e-mail.
    9. Order of termination of the Agreement
    9.1. Bulkestate has the right to terminate the Agreement without prior notice and without giving the Assignee an additional term to cure the
    breach if:
    9.1.1. Bulkestate, in accordance with the Website user rules, has restricted the User’s rights to use the services via the Website and/or has
    terminated the Website user rules in respect to the Assignee and has deleted the User’s profile of the Assignee;
    9.1.2. The Assignee fails to comply with the Agreement or the Website user rules;
    9.1.3. Bulkestate is suspicious about the Assignee’s identity and Bulkestate has not been able to communicate with the Assignee to confirm
    the contents of the Agreement;
    9.1.4. The instruction of the Assignee is unclear or distorted due to communication failures;
    9.1.5. The Assignee has wholly or partially withdrawn the authorization given by the Agreement or the Website user rules;
    9.1.6. By the end of the term specified in section 2.3. of the General provisions Bulkestate has not disbursed the Loan.
    9.2. Bulkestate has the right to terminate the Agreement unilaterally at any time by sending the Assignee to the Assignee’s e-mail address the
    notice at least 10 (ten) Working days in advance.
    9.3. In the case mentioned in sections 9.1 or 9.2 of the General provisions, the Agreement shall be deemed terminated from the moment when
    Bulkestate has announced the termination to the Assignee.
    9.4. In the case mentioned in section 9.1.6 of the General provisions, Bulkestate within 5 (five) Working days from the term specified in the
    section 2.3. of the General provisions returns the Claim price to the Assignee, transferring it to the Assignee’s bank account and the Agreement
    shall be deemed terminated without signing the additional documents.
    10. Final provisions
    10.1. The Agreement consists of the Basic provisions and General provisions. If the Basic provisions are contrary to the General provisions,
    the Basic provisions prevail.
    10.2. If the verbal expression of numbers mentioned in the Agreement differs from their numerical expression, the verbal expression prevails.
    10.3. In the matters not covered by the Agreement, the Website user rules apply, as they are in force at the particular time and form an integral
    part of the Agreement.
    10.4. The Parties are not responsible for the failure to fulfil their obligations in the event they are not fulfilled for the reasons beyond the will
    of the Parties, caused by force majeure circumstances. The Parties consider circumstances, which the Party has not been able to anticipate and
    influence in advance, as force majeure, including the power supply disruption, laws and regulations adopted by the Republic of Estonia or the
    European Community institutions, strikes, acts of war, natural disasters or other reasons that the Parties have not been able either to prevent
    nor predict. A Party may rely on the force majeure circumstances only if it had taken all reasonable action in order to meet its obligations under
    the Rules. After the force majeure circumstances have terminated, the Party is obliged to proceed without delay with the due performance of
    its obligations.
    10.5. Any legal relationship arising from the Agreement in governed by the legislation of the Republic of Estonia.
    10.6. To the extent allowed by applicable laws, the disputes of the Parties regarding the Agreement shall be settled in the Harju County Court,
    pursuant to the legislation of the Republic of Estonia in force.
    * * *

    _________________
    Cuida de los pequeños gastos; un pequeño agujero hunde un barco.
    » Benjamin Franklin  (1706-1790) Estadista y científico estadounidense

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    Re: Project Jurmala en Latvia

    Mensaje por Ragagu el Vie Ago 11, 2017 1:29 am

    Ya me registré.
    Por lo pronto no me han pedido ningún documento.
    Parece que hay dos formas de invertir:
    -Participando de un préstamo al promotor, al estilo de las nuevas inversiones de HOUSERS.
    -Comprando un inmueble entre varios inversores. Ahora mismo no hay ninguno. Por lo que he leído en la WEB, te llaman para que vayas a firmar una especie de contrato al convertirte en "propietario" de un porcentaje del inmueble. Que me corrija ADMIN si me equivoco pero entiendo que esta opción no es factible para residentes en otros países, jejeje. Tampoco mi inglés es perfecto. A ver si ADMIN nos aumenta la información al respecto de esta modalidad. PEro una pena si no hay opción de firma online. Aún así, qué formato le dan a esta forma de invertir? ¿Crean SL? ¿Es al estilo PRIVALORE?

    La anterior modalidad, tipo CROWDLENDING, parece no difiere mucho al resto de plataformas. Obviamente no hay BG pues la garantía es el inmueble y quizá algún tipo de aval...
    Por lo que ha colgado ADMIN, la documentación asociada a cada inversión-préstamo es bastante completita. En el caso del CROWDLENDING normal, tener esa documentación de los cientos de préstamos en los que acabas invirtiendo me parece inviable (y es lo que me da miedo de las "letonas"). Con el AUTOINVEST es un continuo flujo de préstamos terminados y nuevos préstamos. Si encima andas con varias plataformas...Así que, en este caso, si tienes tu contrato y tu resguardo de haber invertido.

    Al respecto del contrato, ¿algún detalle que comentar, ADMIN? ¿Algo que te eche para atrás o te haga considerar una inversión demasiado arriesgada (por encima del "estándar" asumido en este tipo de inversión, claro)?

    Y, para terminar, ¿Te han pedido documentación adicional como las letonas?

    Ahora mismo solo hay un préstamo disponible así que imagino que no es esta una inversión para andar con cantidades de 50€ en 50€...Quizá haya que plantearse entrar con cantidades algo mayores...no sé que opina ADMIN al respecto. No hay BG pero parece que la documentación legal que avala tu "inversión" es mayor que en las micro inversiones de las letonas.

    Y, para terminar, la rentabilidad a un año que ofrecen en este préstamo es del 13,4%. No parece haya comisiones y el tema del IRPF tampoco sé como lo gestionan. De nuevo ADMIN va más adelantado en esta plataforma así que nos irá abriendo los ojos.

    Lo que sí es de destacar es la rentabilidad en comparación con las posibilidades en España. Casi el doble que HOUSERS. Pero a saber si el funcionamiento de esta gente es similar a HOUSERS o también les duplican en profesionalidad y honestidad empresarial....



    Ragagu

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    Re: Project Jurmala en Latvia

    Mensaje por Ragagu el Vie Ago 11, 2017 1:40 am

    Un segundo repaso a la WEB y respecto a la opción de invertir comprando, parece que es en plan tu compras el inmueble. Tú solo. Vamos, como una inmobiliaria que te vende el inmueble.

    Conclusión, solo nos es útil para usarla como CROWDLENDING...

    Ragagu

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    Re: Project Jurmala en Latvia

    Mensaje por Admin el Vie Ago 11, 2017 7:15 pm

    Voy por partes:

    Are the electronic contracts legally enforceable?
    Electronic contracts are legally enforceable and shall enter into force when we have received confirmation from the bank for the investment of contributions.

    Esto es lo que dicen del contrato electrónico, lógicamente no es tan completo como el de Privalore, con la plataforma de firma pero es valido, y aquí ademas te cuelgan la factura en tu zona personal.

    En cuanto a lo de la multipropiedad, ni lo he comentado por que nadie se va a comprar un apartamento en Riga ¿no?

    Respecto a la empresa, fue fundada en febrero 2016 , es decir lleva un año y medio de vida y esta empezando, yo la compararía con Inveslar mas que con H.

    No me han pedido nada sobre residencia fiscal, y es una empresa pequeña todavía, no la veo para hacer grandes inversiones de momento, con el tiempo ya veremos como se desarrolla aunque el promedio de inversion son 500€ por proyecto.

    Creo que es la suma aconsejable para invertir de momento.

    LA ventaja no hay comisiones y el IRPF lo pagaras en la declaración de renta del siguiente ejercicio ( recordar que H de Hacienda os vigila con todos los importes que salen fuera ya que los bancos están obligados a dar parte de todo lo que sale por la frontera)

    En cuanto al contrato, no hay nada que me tire especialmente para atrás o para adelante, se protegen para que no puedas ir contra ellos ( algo de lo mas normal) si se tuercen las cosas( por ejemplo que no estabas drogado cuando firmas el contrato, etc) , y les das poderes para gestionar las incidencias,, repartir los dividendos, etc.

    Estoy a la espera de que me contesten el email con varias preguntas, que creo que pueden aclararnos mas cosas.

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    Re: Project Jurmala en Latvia

    Mensaje por Ragagu el Sáb Ago 12, 2017 1:16 am

    Gracias por tus indagaciones!!!!!

    Ragagu

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    Re: Project Jurmala en Latvia

    Mensaje por Admin el Miér Ago 16, 2017 9:41 pm

    Hola acabo de recibir el email  comunicando el cierre del proyecto. Dos días antes de lo estimado.

    La media de la inversión supera los 1000 euros, os contaré de los próximos pasos a medida que se vayan produciendo

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    Re: Project Jurmala en Latvia

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