Questions and answers

The operator of Europpa investment platform is DFI FILAR Sp. z o.o. from Gdynia (all operator's data in the "Contact" tab at the bottom of the page).

Our group consists of specialists with common passion, in order to develop a unique platform of investments secured by real estates. Analysts, credit advisers, financiers, lawyers... we create the future of non-bank financing. Thanks to our solutions, it becomes possible to obtain inexpensive credit with good investor protection. Europpa is a combination of social lending with professional analysis and protection that guarantees repayment. Europpa is tens of cooperating financial institutions, advisers, investors ? thanks to them we owe the growing success of our platform.
Our community constantly grows. We recruit new credit advisers, and thanks to them we can present only the best, well secured investments; at the moment it is about 60 advisers from the entire Poland. Our goal is to obtain solid investors, both smaller and those strategic. We are planning to extend the area of operation to other European countries.
Europpa is an innovation on the Internet. We rely on already known mechanism "social lending", but an innovation is strong, repeated loan guarantee. In social loans, without security, as much as 15% up to 20% will remain outstanding... Amongst our loans which we granted, all were closed with success. This is the difference between Europpa and ordinary social loans.
In contrast to civil agreement, the agreement in a form of Act, concluded in the presence of notary guarantees signed national seal with a judicial force. In the agreement we conclude also Paragraph 777 of the Code of Civil Procedure, constituting immediately and unconditionally submission to enforcement of property in case of the lack of repayment. The borrower is also obliged to sign the bill of exchange.

These records shall guarantee to meet loan obligations directly from the property in case of the lack of repayments.

Thanks to the notary contract both parties feel safe, the notary shall also fill an application to the court to establishment the mortgage in 4th section or entry in 2nd section - assign the security - for the duration of loan.
We cooperate with many institutions:
- cooperation with credit and financial consulting
- cooperation with notarial offices
- cooperation with investment funds and investors
- cooperation with the law firm
- recovery and bailiffs activities
You must be log on. Click in "details of the loan" and in "invest". Next enter the amount that you want to invest and determine the interest rate. More you can find in the investor zone. If you need help, call our helpline from 9.00 - 17.00, telephone: 801 501 507.
It takes time to collect a needed amount for the loan amongst investors, and the best secured loans with good plan for repayment quickly find financing. Therefore, after a positive verification of the loan application, on the next day we are ready to sign an agreement and soon (after appearing mentions in the land register) to withdraw money. Now, with a good loan agreement, we offer the sale of property rights for the loan to other investors, not worrying that more quickly a competition will take over investment.

By lending money, investing own funds in the process we confirm that according to our analysis it is a good investment.

There is also a possibility that the investor entered directly in the land register. This option is possible at min. 50 000 PLN of investment for one loan. In each case, Europpa remains the operator of loan.
- "good things arent happening quickly", quickly it is possible on the stock-market or in the casino... unfortunately, in both cases about 50% is a risk of loss. Quickly it is possible only to lose money, earning unfortunately takes time, but not quite as long... Investment in Europpa is profitable. We dont deny that there are faster ways to gain profit, but with a high risk of loss.

Our advantages are:
- profit from 12% up to 21%
- unbeatable security of investment
- maintenance-free and convenience
- help in tax settling
You can earn from 12% up to 21%. The principle is following:
1. In the list of loans choose the one in which you want to invest.
2. Each loan is assigned to variable percentage, which determines how much you will earn by choosing the given loan (up to 21%).
3. Earn on the partner program: recommending us you can receive 2% of the amount that recommended person will invest within 1/2 year.
4. By becoming involved, you are able to earn even 21%.
If offered money will be more than a given offer establishes to a maximum, there will be selected those investors who declared the low interest rate. This principle regards only those investors, who declared payment, not yet made a deposit transfer.

Note: if you will declare a lower interest rate than issued by Europpa, and the investment wont reach its maximum amount, you will get higher interest, not-lowered issued by Europpa.
It is an investment technique that consists in splitting investment funds to more loans. If you want, we will advise you how to invest in this way.
Remember that investments indicated with icon of shield guarantee better repayment of the loan in case of failure. However, it doesnt mean that other loan investments are poorly secured. A diversification is also possible, investing small amounts in a large number of loans. Stay in touch with our adviser, their task is to provide reliable information, representation of the current offers.
We dont charge commission from the investor. The one and all other expenses shall be borne by the borrower including verification, valuation and drawing up of the notarial agreement, mortgages. Europpa, in turn, pays a fee, credit advisers, partners and other.
Yes, a condition is investing min. 50 000 PLN in the given loan (and at least 50% of the total loan value). You should also invest in a specified time limit. Europpa remains the operator of loan. Our consultant will present details to you.
Private person or institution can become an investor. You must be at least 18 years old and accept the terms and conditions.
First of all company, under certain conditions also private persons and farmers. The condition is a positive verification, appropriate securities, and real, accepted plan for repayment of the debt.
Maximum time to invest in the given loan is specified in a column on the right side in "list of investments".
Yes. Please notify us prior to the sale of shares. We will list your property rights to loan on the stock exchange among other investment proposals or we will buy them. Principles of the resale of rights to loan. In the case of resale of secondary market loan rights, we disclose delays in repayment of installments over 30 days, if any.
In order to receive the loan, please contact our agent:
1. over the phone a preliminary loan conclusion will be drafted; you will be asked to prepare appropriate documents
2. analysis of the real estate in terms of security, liquidity of real estate, preliminary comparative valuation
3. analysis of the loan purpose, idea for repayment, probability in appearance of problems with the repayment
4. analysis of incomes, business plan
5. formal-legal analysis with participation of the law firm and notarial
6. presentation of loan terms and conditions
7. meeting with the borrower, empirical verification, additional security analysis ? real estates, setting the date of signing the notarial deed
8. signing the notarial deed along with loan agreement. Real estate insurance against fire and fortuitous events
9. only after appearing of mention concerning the loan in the land register, a payment of the loan is conducted by Europpa (DFI FILAR SP. Z O.O.)
10. after appearing of mention in the land register, investors can acquire property rights to loan, Europpa is an administrator of mortgage security and payment order
Each of our loans are well secured. Alone we act as the investor, paying a full amount to the borrower, before we put it on the list to further resale. In order to receive the loan, apart from the property, it is necessary to present a practicable plan for repayment... we dont depend on loans which in the future will be necessary to vindicate from the sales of real estate. Therefore, all our investments are safe, irrespective of the guarantee.

Guarantee (indicated with a symbol of shield) it is an additional security for the investor and includes:
- timely repayment of monthly installments
- return of capital along with interest, also in case of termination of the agreement by the borrower

Guarantee includes the total return of capital along with interest in case (for some reason) that there wouldnt be possible to entirely settle a debt from the resale of laws of other institution, rolling the loan or sales of real estate.

Guarantee includes also possible formal mistakes caused by Europpa as a result of loss, e.g. concerning incorrect overvaluing the value of real estate constituting the security.

In such cases Europpa (DFI FILAR SP. Z O.O.) will pay the entire or missing amount along with due interest. The guarantee also includes a timely repayment of monthly instalments, irrespective of possible delays of the borrower; the investor will always receive the instalment on time.

Law firm and notarial is also provided with insurance that protects against possible mistakes. This insurance includes every participant.
We rely on already known mechanism "social lending", but in this system the lender and borrower are only associated, despite preliminary verification, they are actually left their own. These types of loans, without the security, 15% up to 25% will never remain outstanding.

Thanks to solid securities of each loan, practically we eliminated problems with repayment. Europpa is "social lending" with professional analysis, with secured loan.

Here are the features that help in repayment:
- reliable security of loan
- direct verification of the property, borrower, incomes and plan of repayment
- fast loan from resources of DFI FILAR SP. Z O.O. (to institutions well promising repayment)
- involvement of the law firm and notary
- soft and hard collection

Amongst 150 loans in which we participated in 2015, all closed with success for the investor.
In case of security in the 2nd section of land register, the borrower cannot sell property, since we are entered as a temporary property owner until repayment.

In case of security in the 4th section of land register, the notary is obligate to inform the buyers about a debt recorded on the mortgage. The buyer based on promissory note issued by Europpa, shall cover the entire amount along with due interest. Total repayment is followed by a removal from the land register.
Each loan has security with the real estate. We dont invest in uncertain security or without practicable plan for repayment.

In case of arrears in repayments of instalments, after two payment orders, we can put the loan into immediate requirement. If the entire required amount wont be paid off, we can simply proceed to the sale of real estate... However, it is the Final Solution.

Available scenarios in case of a lack of repayments:
- establishing a possibility of return to regular repayments of instalments, (e.g. establishing further security, annexing of the loan agreement, etc.)
- further resale of the loan. In this case our LTV (loan-to-value) allows the sale of shares to other financial institutions, debt collection, loan institutions, which next can establish a new loan or recover the amount due
- the client can roll up our loan, contract debt in other financial institution, which allows higher LTV than Europpa
- sales of real estate in conjunction with the borrower, where we try to get the best price. The surplus shall take the borrower
- in case of non-cooperation with the debtor, we can also forcibly sell the real estate. In the notarial loan agreement (mortgage security in 4th section of the land register) is a record of immediately and unconditionally submission to enforcement of property (according to Paragraph 777 of the Code of Civil Procedure). This activity must be performed by the bailiff in a form of auction. In case of security in 2nd section of the land register, i.e. temporary transferring ownership right to the immediate sales of real estate without the bailiff. In both cases the surplus is returned to the borrower. It is necessary to emphasize that these are the Final Solutions, which we will apply ONLY in case of the lack of adequate cooperation with debtor, if any other ways fail

In order to avoid such unpleasant scenarios we recommend to focus on initial activities - investing only in well promising loans, therefore we put such an attention to cooperation with credit intermediaries - i.e. "at the source".
At the time of conclusion loan agreement, the borrower undertakes to insure the real estate constituting the security to minimum amount of mortgaging. Insurance is provided with the transfer. In case of occurrence that greatly reduce the value of property, the insurance policy shall be transferred directly to Europpa (DFI FILAR SP. Z O.O.). If after damage, the property will not meet the criteria security, we can terminate the agreement or (if all investors will unanimously agree) to continue the loan agreement in a current or changed form.
Such a scenario must also be taken into account. It is necessary to emphasize that in every case we are protected thanks to regulations in the land register in 4th or 2nd section that guarantees return no matter what.

In case of misfortunes related to the borrower or borrowers company, similarly as by the real estate, it is possible to apply insurance (e.g. in the event of death, liquidation of the company, etc.). Applying insurance in such cases is analyzed individually.
Everyone may have a little "slip" in repayment of the instalment, and we understand that. We strive to treat our borrowers like partners; therefore we apply only a form of reminding in the initial phase of debt. The record allows us to terminate the contract after two reminders that resemble; but if the borrower has shown willingness to cooperate, we try to find other solution. However, sometimes the loan agreement is terminated. Safe ratio of the amount of real estate loan-to-value (LTV) enables to roll the loan to other loan institution, with higher acceptable LTV level. A last resort is selling the real estate to the purpose of emergency satisfying our amounts due and our investors. Europpa (DFI FILAR Sp. z o.o.) coordinates the process of the resale of debt and debt collection.

Available scenarios in case of a lack of repayments:
- establishing a possibility of return to regular repayments of instalments, (e.g. establishing further security, annexing of the loan agreement, etc.)
- further resale of the loan. In this case our LTV (loan-to-value) allows the sale of shares to other financial institutions, debt collection, loan institutions, which next can establish a new loan or recover the amount due
- the client can roll up our loan, contract debt in other financial institution, which allows higher LTV than Europpa
- sales of real estate in conjunction with the borrower, where we try to get the best price. The surplus shall take the borrower
- in case of non-cooperation with the debtor, we can also forcibly sell the real estate. In the notarial loan agreement (mortgage security in 4th section of the land register) is a record of immediately and unconditionally submission to enforcement of property (according to Paragraph 777 of the Code of Civil Procedure). This activity must be performed by the bailiff in a form of auction. In case of security in 2nd section of the land register, i.e. temporary transferring ownership right to the immediate sales of real estate without the bailiff. In both cases the surplus is returned to the borrower. It is necessary to emphasize that these are the Final Solutions, which we will apply ONLY in case of the lack of adequate cooperation with debtor, if any other ways fail

In order to avoid such unpleasant scenarios we recommend to focus on initial activities - investing only in well promising loans, therefore we put such an attention to cooperation with credit intermediaries - i.e. "at the source".
Verification is carried out in a few stages: internal and notarial-legal in accordance to the following scheme:
Europpa - Law Firm - Europpa (ultimate approval) - Notary.

We shall take the responsibility for possibly mistakes resulting in damage and arising from the fault of Europpa. Notarial office and legal are also insured for such a case.
From 1 January 2017, the maximum interest on overdue payments is 14%
Europpa acts on the basis for the Act on Freedom of Business Activity, the Civil Code and the Law on Consumer Credit. Europpas business activity, consisting in non-bank loans and selling proprietary rights to loans, does not incur obligation to apply neither the provisions of the Banking Law nor the Trading in Financial Instruments Act. In practice that constitutes a great convenience.
An investor who is a natural person will fall under the Personal Income Tax Act, that is PIT. Income, that is profit form capital, resulting from cooperation with Europpa is liable to taxation (in other words interests gained by an Investor). The interests areare subject to flat rate in the amount of 19% and should be stated in an annual tax declaration PIT-38 in point 36.

Some of the loans, rights of which are transferred onto Investors, are also connected with the obligation to pay the Tax on Acts in Civil Law, under the Act on Tax on Acts in Civil Law, in the amount of 1% from the acquired proprietary right to a loan. In such as case an Investor submits PCC-3 declaration and pays tax at a Tax Office authorised under the Investors domicile.
Commission gained by Agents is liable to taxation as an income on general rules, resulting from the Act on personal income tax, PIT, and The Corporate Income Tax, CIT, depending on the legal form of the Agent.?Brokering in loan giving is exempted from VAT tax pursuant to art. 43 par. 1 point 38 of the Act on the Goods and Services Tax of 11 March 2004. Agent/ Partner is free from any burden and his tax liability is limited to the income tax.
Lending activities of Europpa.eu platform are not subject to provisions of the Banking Law Act or Trading in Financial Instruments Act. Social lending loans are regulated by the Civil Code, with the immediate legal base stipulated by par. 353 (1) of the Civil Code on freedom of contract. Due to the kind of activity and its professional nature, part of the loans given by Europpa are stipulated by the provisions of the Law on Consumer Credit.
Due to professional kind of Europpas business activity concluded contracts are stipulated by the provisions of Act on Consumer Rights. Therefore, an Investor holds wide range of rights. ?Activities undertaken by Partners and Investors through Europpa.eu internet platform are also protected by provisions of the Act on electronically supplied services.
Transfer of proprietary rights to a loan take place under provisions on assignment of receivables (bank money transfer) stipulated in the Civil Code in par. 507-519. All rights of lenders connected with profit from capital are held by acquirers of the proprietary right (an Investor). ?Gaining profit form capital implies the duty of paying PIT tax and, in some cases, also the Tax on Acts in Civil Law. Europpa however, does not cooperate with any tax office in this respect.
Europpas consultants give detailed instructions connected with complying with tax obligations. Help is given to all groups of Investors, Agents and Partners and concerns all and every practical issues of settlement.