FAQ
Any business entity/company/enterprise can become our client - so it can be, for example, a civil partnership, a commercial company (partnership: general, partner, limited partnership or capital company (limited liability company, joint stock company).
Note: The loan we offer is not for Consumers
According to our company's policy, any active/operating company/company/enterprise can get a loan.
We analyze financial documents from a minimum of 6 months of activity. An important aspect in our decision to grant a loan is the type and value of the collateral provided.
When processing an application, financial data from the last 6-24 months of operations, such as revenue, profit/loss, by period are analyzed.
Yes, depending on the amount of current/overdue liabilities.
In the process of analyzing the application, we take into account both the company's business profile and its financial performance. Each decision is made based on a detailed analysis of the client's profile - a loss from the business does not automatically reject the application.
Yes, companies with negative credit history/debt can apply for a loan.
The loan obtained can be used to pay off existing liabilities and receivables - by refinancing them, satisfying existing creditors.
NOTE: If the loan being granted is for refinancing the customer's other financial obligations - refinancing an existing loan, the customer must obtain a notarized promise, release of collateral.
Our standard offer is loans from PLN 100,000.
We do not specify the upper limit of financing
As collateral for the loan, we accept only real estate designated by the entrepreneur/company, which has a land register, such as:
- apartments/apartments,
- houses,
- commercial premises,
- other construction/industrial buildings.
The property securing the loan does not have to be owned by the borrower, it can belong to another person.
We do not provide loans against collateral:
- construction/industrial plots
- agricultural land (we accept them as further collateral).
Depending on the location and the type of property securing the loan, we lend up to 60% of the gross collateral provided (i.e., including commission/fees).
In the event that the indicated property is already collateral for another obligation, the value is added up when calculating the amount of loan collateral.
Note: we only sign up for the first mortgage position.
It is possible to provide more than one property that will serve as collateral for the loan.
The method of calculating the value of a property depends on the type of property.
For apartments/apartments, we use the AVM model (an automated valuation model that allows us to value properties using mathematical modeling and a database of real estate transactions and a database of offer and transaction prices), which significantly reduces the time to present an offer/approve an application.
Houses, commercial premises - the value is usually estimated on the basis of expert reports and appraisal reports prepared by Property Experts cooperating with us.
We also accept appraisals/appraisal reports held by the client made by Real Estate Appraisers not older than 12 months.
The loan is usually granted for a period of 3 to 12 months.
It is possible to extend the term of the loan up to 24 months.
The loan can be used for any business-related purpose, such as covering the company's current expenses, acquiring working capital, refinancing liabilities or current loans.
The interest rate on the loan is in accordance with the current law.
Additional fees related to loan origination fees, administrative costs are presented each time in the offer - they depend on the amount and duration of the loan, financial performance and collateral provided.
All additional fees such as commission or administrative costs associated with the loan are added to the loan amount. The borrower does not incur any cash expenses/prepayments.
Upon receipt of a properly completed application and its attachments, the data contained therein are forwarded to IBI's analysis department, and a loan offer is presented within 24-48h.
If an incomplete application is received, the need to complete it, the time may be extended.
Once the customer accepts the terms of the loan, the documentation needed to conclude the loan agreement is completed.
The loan agreement is concluded in the form of a notarial deed before a Notary Public.
The Deed is signed by the Borrower/representative of the Borrower - in accordance with the representation/authorization, the persons who are the Guarantors, the owner of the property and the attorney of IBI Holdings Trust Sp z o.o.
Yes, we enter them in the first mortgage position.
If the loan is used to refinance an obligation appearing in the land register there is a need to obtain a notarized promise to remove the entry from the entity/person registered there.
The recorded value of the liability in the Land Registry is a minimum of 150% of the gross value of the loan.
Additional collateral required by the IBI under the loan agreement is the Borrower's statement of voluntary submission to execution pursuant to Article § 777 and the Borrower's submission of a property surety.
Note: if the Borrower is an entity with legal personality, the above-mentioned declarations shall be made by representatives of the entity, as natural persons.
In the event that the Entrepreneur has a joint property/estate partnership, the spouse also stands for the deed.
Yes, the property securing the loan must have a valid insurance policy with an assignment to IBI Holdings Trust Ltd. for the entire term of the loan.
The repayment schedule is attached to the offer each time. Usually only the interest and part of the commission are repaid monthly - this amount is agreed with the borrower each time, and the rest of the amount is repaid on an agreed date.
Yes, the term of the loan can be extended up to 12 months, but this depends on the previous cooperation with the borrower, this fact should be reported 60 days before the end of the loan term. If the repayment period is extended, an application fee is charged.
