Investor

Factory Wallet Service BV works on the basis of NO CURE - NO PAY. In practice, this means that we only charge costs if we can actually do something for you.

Creating a Factory Wallet Service BV file / account for making investments is completely free of charge.

Information provision via SMS, e-mail or WhatsApp is completely free of charge.

Success fee, with a realized investment, from 0.5% per year during the term of the investment, is calculated over the investment amount.

Administration costs, office costs and the costs for payment transactions are for the account of Factory Wallet Service BV during the investment period.

Incentives such as discounts, products or services offered in a pitch are completely free of charge.

Statistics and further information about your investment and your investment portfolio are completely free of charge.

MINIMUM AND MAXIMUM AMOUNT TO INVEST

Private investors may have a maximum of € 200,000 per person outstanding through Factory Wallet Service BV. This amount is per investment agreement, with a minimum investment of € 100,000.

Factory Wallet Service BV would like to point out that you are investing with this outside AFM supervision. We advise you to invest a maximum of 10% of your freely investable capital and possibly spread your investment over several projects.

Business investors only have to deal with a lower limit of the minimum amount to be invested of € 100,000.

SUCCESS FEE

Factory Wallet Service BV charges a success fee for every successfully completed investment agreement, so when the project starts, as specified further below.

- Annuity investment

For a Factory Wallet Service BV annuity investment, the investor pays a one-off 0.5% success fee per year, during the term of the investment made, with a maximum of 3%. The first half of the success fee is deducted in three equal parts from the first three monthly amounts paid to the investor. The other half of the success fee is deducted from the payment of the monthly amounts spread over the term. These deductions are made in the first month of each new investment year.

- Growth investment - the deferred annuity investment

For a Growth investment, the investor pays a one-time 0.5% success fee per year, during the term (this consists of the interest-only plus the annuity part) on the investment made, with a maximum of 3.0%. The first half of the success fee is deducted in three equal parts from the first three monthly amounts remitted to the investor after the grace period. The other half of the success fee is deducted over the term from the payment of the monthly amounts. * These deductions take place in the first month of each new investment year.

- Interest-only investment

For an interest-only investment, the investor pays a one-off 0.4% success fee per year, during the term of the investment made, with a minimum of 0.6%. The success fee is paid in one go by the investor when the investment amount is transferred.

- Flex investment

For a Flex investment, the investor pays a one-off 0.4% success fee per year, during the term of the investment made, with a maximum of 2.8%, equal to 7 years. The success fee is spread over the term and deducted from the payment of all monthly amounts. For investments with a term of more than 7 years, you no longer pay a success fee after 7 years.

- Sustainable real estate loan

For a real estate investment, the investor pays a 0.4% success fee per year, during the term of the investment made, with a maximum of 2.8%, equal to 7 years. The success fee is deducted from the payment of all monthly amounts over the entire term. For investments with a term of more than 7 years, you no longer pay a success fee after 7 years.

With the sustainable real estate investment, partial repayments of at least 20% of the original principal sum are allowed once a year without penalty. With a partial repayment, the Loan-to-Value for you improves, because the outstanding debt becomes lower in relation to the value of the property. Your success fee is calculated on the outstanding debt, so that your return remains unchanged.

Example:

You pay 0.4% annual success fee per year (i.e. 0.033% per month). In month 24, 25% of the original principal will be repaid by the borrower / recipient. From month 25, you pay 0.033% on 75% of your initial investment amount, until a possible next partial repayment takes place.

N.B. The following applies to all loan types: if a default situation (payment problem) arises, no success fee will be deducted from that moment.

INTEREST AND REDEMPTION

The payment of interest and repayments differs per investment type. The first payment per investment takes place 6 to 8 weeks after the relevant investment has been made. The disbursements of your investments are bundled for you in a bi-weekly collective payment, with a separate specification by e-mail.

- Annuity investment

During the entire term of the investment, the investor receives a fixed monthly amount each month, consisting of part interest and part repayment. The first repayment takes place 6 to 8 weeks after the realization of the project. Full repayment and interest have been paid at the end of the term. In case of an early full repayment by the borrower / recipient, you will receive 10 months interest as compensation.

- Growth investment - the deferred annuity investment

During the grace period of the investment, the investor only receives interest. This interest is paid monthly or quarterly. During the annuity repayment period that follows, the investor receives a fixed monthly amount each month, made up of part interest and part payment. Full repayment and interest have been paid at the end of the term. In case of an early full repayment by the borrower / recipient, you will receive 10 months interest as compensation.

- Interest-only investment

At the end of the term of the investment, the investment amount is repaid in one go, the redemption. During the term, the investor only receives interest:

For a term of up to and including 12 months, the interest is paid monthly;

For a term of 13 to 18 months, the first interest payment is made after 3 months, monthly and the other interest is paid at the end of the term;

With a term of more than 18 months, the interest is paid monthly or quarterly, in consultation;

In case of an early full repayment by the borrower / recipient, you will receive 10 months interest as compensation.

- Flex investment

Because a Flex investment is a combination of different forms of investment, the agreements on payment of interest and repayment will differ per project. The agreements on early repayment are also variable. The agreements made will always be stated in the published pitch and in the investment agreement.

- Sustainable real estate investment

The real estate investment is an annuity investment, an interest-only investment or a combination of these. Payment of the annuity and interest on the interest-only part is made in one fixed monthly amount. Any residual debt (for an interest-only investment part) will be paid in one go at the end of the term. Specific principles of the investment are always stated in the published pitch and in the investment agreement.