Investment credit

Is your company investing in solar panels? Or in a new storage facility with silos? We can help you put your plans into action.

What is the Investement credit?

You can finance major investment planned for your company with an Investment credit. You borrow a fixed amount for a fixed period of time and pay it back over an agreed period.

Advantages

  • Flexibility: you control: the term of the credit, the amount you borrow and the repayment options.
  • Growth: your company invests when this is needed and not when cash permits.
 

 

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As the head of a business, you know best when you should invest in growth. But you also know that such major investments are not possible if the cash is not there.

 

We help you to achieve sustained growth by offering you an attractive Investment credit that is in line with your development plans. You decide the term of the credit, the amount you borrow and the repayment method.

We recommend that you choose a term for your loan that reflects the expected economic life of your investments and their write-down schedules.

The term, including the registration period, normally varies between 2 and 20 years. Longer terms are possible in exceptional cases.

You can opt for a fixed or variable interest rate. With a fixed rate, you know from the outset how much you will have to pay in interest. A variable rate is lower at the start, but does not protect you against future interest rate hikes.

You can repay your Investment credit on a monthly, quarterly, half-yearly or annual basis. You can also choose between fixed and declining-balance repayments(*).

 

(*) Declining-balance repayments: you pay a fixed proportion of the principal each month. The interest due, which is calculated on the outstanding balance, declines each month. In other words, your monthly payments diminish.

Amount borrowed: EUR 50,000

Term: 10 years

Annual repayments

You opt for fixed repayments.
  • The fixed interest rate is 6.71%.
  • The variable interest rate (reviewed after 5 years) is 6.32%.

You opt for declining-balance repayments (fixed repayments of principal)

  • The fixed interest rate is 6.66%.
  • The variable interest rate (reviewed after five years) is 6.30%.
You opt for fixed repayments at an interest rate of 6.71%.You will pay 10 x EUR 7,054.25.
You choose declining-balance repayments (fixed repayments of principal), at a rate of 6.66%You will pay:
Year 1: EUR 8,385.50
Year 2: EUR 8,038.63
Year 3: EUR 7,701.00
Year 4: EUR 7,363.38
Year 5: EUR 7,031.30
Year 6: EUR 6,688.13
Year 7: EUR 6,350.50
Year 8: EUR 6,012.88
Year 9: EUR 5,677.10
Year 10: EUR 5,337.63

If the interest rate is reviewed after 5 years, the repayments are only fixed for years 1 to 5. The interest rate prevailing when the rate is reviewed will determine the amount of subsequent repayments.

 

This example is given for information only and is in no way binding on the Bank.

What happens if you die before your Investment credit is repaid? There will be major financial implications for your family. Take out life assurance/loan protection insurance on your loan. Your family will then not be responsible for repaying your loan. 

 

Whether you're seeking a loan for private or professional purposes, BNP Paribas Fortis is by your side. As a responsible lender. Indeed, a loan must help you to move forward in life, not lead you into financial difficulties. Our financing products are intended to help you turn healthy, feasible projects into reality, in a spirit of shared responsibility between yourself and the bank.

 

This principle of responsible lending can be easily illustrated through our promises.

 

  • Firstly, we take the time to listen carefully to you in order to offer you a solution which is adapted to your project and your needs.
  • Next, we give you a clear overview of our credit formulas and advise you in a clear, transparent manner.
  • To protect you as much as possible from any risk of indebtedness, your project is examined in detail so as to determine your solvency and the most appropriate regular repayment.
  • Finally, we strive to be ever-more accessible, via the various communication channels we offer.

 

Our support procedure is thus in place for the duration of each of your loans.


Lender: BNP Paribas Fortis SA/NV, Montagne du Parc 3, B-1000 Brussels – RPM/RPR Brussels – VAT BE0403.199.702. Subject to acceptance of your application.

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