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🔗 Back to Summary. 🇫🇷 French Version: 2024R0358_FR.14. Back to Summary of LVL1. Open the PDF. Direct link to EUR-LEX.
Article 13 – Information to be considered for loan valuation ⬅️ | ➡️ Article 15 – Governance arrangements for information for clients
Article 14 - Factors to ensure fair and appropriate pricing of loans
1.
When determining the price for a loan they facilitate, crowdfunding service providers shall take into account all of the following factors:
(a)
the risk profile of the project owner or crowdfunding project, as determined in the risk categories referred to in Article 19;
(b)
the net present value of the loan;
(c)
the prevailing market conditions at the point of loan origination and during the lifetime of the loan;
(d)
their business strategy.
2.
When calculating the net present value referred in paragraph 1, point (b), crowdfunding service providers shall consider all of the following factors:
(a)
the principal amount of the loan;
(b)
the maturity of the loan;
(c)
the frequency of instalments of the loan;
(d)
an appropriate interest rate to discount future repayments.