Direct loans play a key role in our financing concept, which is based on the successful Mietshäuser Syndikat model. Around 190 property purchases by house projects within the Mietshäuser Syndikat network, which were made possible by direct loans, are proof of the success of this approach.
What are direct loans? Direct loans are loans that are granted to us directly by private individuals or groups without a bank acting as an intermediary. The terms and conditions are negotiated directly between the lenders and us. Individuals or groups who support our idea lend us money and know exactly how it will be used: for the purchase and maintenance of our house. Direct loans not only reduce capital expenditure and keep rents affordable, but also bridge the financing gap to bank loans, as some banks recognise these loans as equity. In addition, people who sympathise with our way of life can invest in solidarity, often at low interest rates or even without any expectation of a return.
What are the benefits for supporters? Direct loans offer an opportunity to invest money in a socially and sustainably orientated way. The use of the money is transparent, as it is earmarked for the preservation of housing. In contrast to dubious shares or funds that fuel the growth logic of the financial markets, the money is put to good use here. We offer a fair interest rate, flexible terms and cancellation periods and act locally. If you have any questions, we are available for personal discussions.
Risks: Important: The acquisition of direct loans is associated with considerable risks and, in the worst case, can lead to the loss of the capital invested. In general, the higher the expected return, the greater the risk. We make use of an exception in accordance with Section 2 (2) sentence 1 of the German Investment Act, according to which no sales prospectus authorised by BaFin is required for this investment. Investors can obtain further information directly from the providers of the investment. Note pursuant to VermAnlG §13 (3a,b).
Direct loans are subordinated loans with a special subordination clause. This clause states that repayments to the direct lenders do not have to be made if this would jeopardise the solvency of the borrower. In the event of insolvency, the bank loans and all other non-subordinated claims are settled first, and only then are the direct lenders taken into account.
Would you like to give us a direct loan? Write to us!