Questions and answers

The operator of the Europpa investment platform is DFI FILAR Sp. z o. o. based in Gdynia (full name, address, operator details in the "Contact" tab at the bottom of the page).

Our group consists of professionals united by a common passion - the development of a unique platform of investments secured by real estate. Analysts, financiers, bankers, lawyers, credit advisors... Together we create the future of non-bank financing.
We have participated in the conclusion of several hundred contracts for financing projects and established mortgage security both in the private sector and while working for banks.

Thanks to our solutions, it is possible to obtain funds with good investor protection. Europpa is a combination of social loans with professional analysis and security guaranteeing repayment. Europpa has dozens of cooperating financial institutions, advisors and investors - we owe the growing success of our platform to them.

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, 3th 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 ask us a question by bok@europpa.eu, call our helpline from 9.00 - 17.00, telephone: 801 501 507 or 536 800 270.

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 investors a link with it ore sale of property rights for the loan, 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 aren`t 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 don`t deny that there are faster ways to gain profit, but with a high risk of loss.

Our advantages are:
- profit up to 21%
- unbeatable security of investment
- maintenance-free and convenience
- help in tax settling

You can earn 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.
3. Earn on the partner program: recommending us you can receive 2% per annum 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, the next criterion is the order of applications.

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. So there is no fear that you will deprive yourself of the profit by lowering the interest rate.

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.

Any entrepreneur can apply for a loan. 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, in accordance with the provisions in the regulations. 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 3 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

"Advance For Sellers Real Estate" is one of the two products created by DFI FILAR for real estate agencies in addition to "Paid Toll Rental".

This is a financial injection intended for entities that put up a property for sale. Thanks to this solution you can gain time to sell at the expected price and prepare the property. The seller can meet his urgent financial needs almost immediately after listing the property for sale.

These types of financial solutions are very popular and often used in other European countries and the USA.

Another advantage is the flexible term for advance payment - only after the sale of the property. Interest on the down payment, starting from 0.65% per month (accrued only for the period for sale of real estate). The sale takes place via the regional Real Estate Agency

DFI FILAR is the first Polish financial institution implementing such agreements.

https://filar.org.pl/filar-zaliczka-dla-sprzedajacych-nieruchomosc.pdf

We do not deny that some platforms offer 30, even 40% profit!
We have 100%... but repaid loans. This is what really sets us apart :)

Currently, the investor can count on a profit of several percent + bonuses, you can also get extras from the affiliate program. With proper involvement, you can achieve solid profits.

We do not race for promises of high profits, rather effective repayments with a decent profit.
We have had regular investors for many years, we focus on stability rather than the uncertain "fast and big".

Guarantee of return of capital with interest - marked with a shield symbol in the main photo:

DFI FILAR sp. z o. o. guarantees in each case the return of the invested capital and due interest upon completion of the debt collection action, regardless of its result. In the event of overdue payments, the Investor will receive the maximum rate permitted by law, currently 24.5%.
Other conditions may occur in some auctions, they are described in the last tab of the auction.

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The repayment guarantee also means meeting the following conditions:
- DFI FILAR Sp. z o. o. has already paid out all or part of the loan amount from its own funds and/or acts as an active investor in part of the loan shares.
- Security granted on real estate listed in Part III, IV or II of the Land and Mortgage Code.
- The amount of the loan disbursed does not exceed 50% of the value of the property.
- The property (concerning buildings and premises) is insured against fire and random events.
- The loan agreement contains the provisions of par. 777 K.C. - submission to enforcement against all assets.

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Remember:
On the banking market around the world, liabilities secured by real estate have always been best repaid - this is definitely one of the most effective security measures.

To obtain a loan, in addition to real estate, you must present a realistic repayment plan...
We do not care about granting loans to entities that will have to recover from the sale of real estate in the future. We strive to ensure that all our investments are safe. Satisfied investors are coming back!

In short:
Payoff at europpa.eu is 100%

Since the beginning of the platform's operation, we have organized about 200 loan auctions, in each case the capital with interest due has been repaid in full, applies to auctions with and without the shield symbol.

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 35% 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 start debt collection or 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 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. One should also remember about collaterals in section III and sureties, the rigors of par. 777...

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 8 September 2022, the maximum interest on overdue payments is 24,5% per year.

Europpa acts on the basis for the Act on Freedom of Business Activity, the Civil Code. DFI FILAR 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.

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 0,5% 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 lender or
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.

The activity of the Europpa.eu platform is regulated by the provisions generally applicable in the EU.

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.

Every investment, by definition, always involves greater or lesser risk. Investment is not the same as the term "deposit" - in the latter case you will always get your capital back.
All previous investments offered on our platform had full repayment of capital and so far have always generated profit for the investor. However, it must be remembered that despite the use of security measures, this does not always have to be the case.

Economic freedom and market rules mean that an investment that, after analysis and evaluation by an analyst, seems very profitable may become an unattractive offer from month to month, e.g. due to changes in purchasing preferences on the market.
Europpa.eu has so far had a 100% repayment rate, because each of your investments is secured by real estate or pledge (read "Statistics are the first to warn").
Additionally, we use guarantees from other people or companies who use their own assets to guarantee the success of the investment in which we also invest our own money.

While guarantors or guarantors may experience a temporary or complete lack of financial liquidity, real estate security with an appropriate LTV reserve allows for the recovery of capital with interest, but at an unspecified time (read "Do not invest too high amounts").

None of the crowdfunding offers have been verified
neither approved by the competent authorities nor by the European Authority
Securities and Exchange Authority (ESMA).
An investment based on crowdfunding involves risks,
including the risk of partial or total loss of invested funds
money. Your investment is not covered by guarantee schemes
deposits established in accordance with European Parliament Directive i
Council 2014/49/EU (*). Your investment is also not covered
investor compensation schemes established in accordance with the Directive
of the European Parliament and of the Council 97/9/EC (**).
You may not get any return on your investment.
This is not a savings product and we advise you to use projects based on
you did not invest more than 10% in crowdfunding
the value of your net assets.
Selling investment instruments when you feel like it
You wish may not be possible. Even if the sale is like this
possible, may nevertheless involve losses.
(*) Directive 2014/49/EU of the European Parliament and of the Council of 16
April 2014 on deposit guarantee schemes (OJ L 173, z
12/06/2014, p. 149).
(**) Directive 97/9/EC of the European Parliament and of the Council of 3 March
1997 on investor compensation schemes (OJ L 84,
26/03/1997, p. 22).

Browse "Our Statistics" You can find them at the bottom of the first page of Europpa.eu, we update them once a month.

Too many outstanding payments and any delays in repayments for guaranteed on-time auctions (marked with a shield symbol) should make you cautious.

Invest only amounts that will allow you to maintain your current standard of living.

Despite the good history described in our statistics (at the bottom of the first page of Europpa.eu), the market situation may change and something may go wrong. Do not invest strategic amounts.

In the event of default by the Borrower and the guarantors, the repayment obligation is transferred to the guarantor; if he fails or fails to find a buyer for the entire receivable, the investor will be forced to wait until the debt collection procedure is completed.

The time required to seek repayment of the debt is unpredictable, enforcement against real estate or other collateral often takes 1-2 years or even longer.
Interest on overdue debt is currently 24.5%.
Given the current economic conditions, it is relatively easy to find a general buyer for such a receivable, but if, for example, the property becomes less attractive, the economic situation changes, or other difficulties arise, the amount offered for the receivable may decrease.

Of course, you can put your share up for sale on the platform, but there is no certainty of the price you will get, and the prospect of an indefinite period of time may outweigh the desire to obtain high interest for overdue payments.

We have many years of experience, but theoretically it may happen that despite the verification and verification of the recipient of the investment, his data provided to us was false and the financing obtained was fraudulent, so it may turn out that the debt will no longer be serviced overnight.

The burden of repayment is borne by the guarantor (if there is one), but there is a non-zero probability of loss of liquidity by him as well.

You should only invest a small portion of your investment capital
before you decide to use our platform, and it's best if you set up your own
investments between several entrepreneurs with different business profiles.
Many of our investors are involved in dozens of auctions.

We encourage you to review our statistics regularly.
If you have any questions, please contact us via the contact form or call.

We wish you successful investing!