Monétisation 1 - TRADE TO PRICE
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Monétisation 1
Trade & Contrats > Monétisations & Dérivés
La monétisation est l'introduction d'un bien valorisé dans le circuit économique par les banques commerciales ou les banques centrales par augmentation simultanée de leursactifs (sous forme de créances) et du rendement générés.
OBJECT AND PURPOSE OF THE PROGRAM
This financial practice is aimed at Real Estate owners such as: Hotels, buildings, urbanizations, palaces, mansions, factories, casinos, underground mines, etc.
People or companies with high value assets, such as paintings by renowned artists and precious stones, can also participate.
The program is developed by a specialized asset Swiss Trust in association with several international investment Swiss banks.
It is applicable to assets located in any country in the world.
MINIMUM VALUE OF ASSETS
Participation in the program is reserved for owners of Assets with a minimum value of // 5,000,000 // USD or € in appraisal.
If the Asset is mortgaged or being used as collateral for a loan, the percentage or amount of the value will be discounted and the rest can be used to enter this proposal. For example, a hotel that has a
value of 10M and has a 3M mortgage could use 7M to enter this proposal.
Cash funds are not accepted
PROGRAM BASES
The monetization program basically consists of a loan without recourse.
DOCUMENTS TO BE PRESENTED BY THE OWNER OF THE ASSET
Property Deed with Registry note or official document that proves the ownership.
CIS (Client Information Sheet) with Passport
Appraisal and Photos of the Property.
CFA.
DOCUMENT REQUIRED ADDITIONALLY IN PRECIOUS STONES
The gemstone owner must also provide the GIA report that establishes
specific values.
APPRAISAL OF PICTURES BY RECOGNIZED ARTISTS
The owner of a work of art must contribute the value granted by the
insurance company.
CONTRACT
Once the required documentation has been provided by the client, if the
client is accepted, a contract will be sent that will reflect in detail, operating procedure, performance, and distribution between the parties (client, Swiss Trust, and program operators.)
The contract will be signed and notarized by the client and the Swiss Trust
or designated company, once the contract is signed, the client, Swiss Trust
and program operators begin to receive the benefits, according to the
percentages stipulated in the aforementioned contract.
LTV (LOAN TO VALUE) - LOAN ON VALUE
The contract will establish an LTV for the assets with which the client will participate in the program.
The percentage is never the same, it depends on the type of product, location, the real value, etc.
The distribution percentages also vary, that is, what the Swiss Trust perceives, what goes to the client, and what the program operators receive.
EXAMPLE OF A NRL FOR A HOTEL
As a guide, the data for a hotel with an appraised value of € 10,000,000 are set out below.
Estimating a Non-Recourse Loan around 20% less fees, which is € 2,000,000, which would be paid monthly around € 160,000.
These figures are approximate It depends on the type of asset, asset liquidity, location and other characteristics but it serves as an approximation to get an idea of the returns, transactions with NRL of between 15% to 25% of the appraisal value have already been processed.
OTHER TYPE OF ACCEPTED ASSETS
1. Copper
2. Nickel wire
3. Diamonds
4. Precious metals
5. Yachts
6. Airplanes
7. Commercial real estate
8. Stations
9. Hotels
10. Underground mines
IMPORTANT POINTS OF THE PROGRAM
This is not a financial operation or a PPP program, but a virtual loan, in which the owner participates in a transaction and receives money, and therefore does not have to return anything, but does participate in the benefits of the transaction. This is simply a non-recourse loan.
The client can manage their assets and obtain additional benefits, such as the profitability that, for example, the operation of hotel facilities can provide.
The client can, if he finds a buyer, sell the asset, which would not prevent him from continuing to enjoy the benefits indicated by participating in the issue.
Ultimately, participating in this broadcast does not require blocking of any kind, and the client has no obligation to retain ownership.
The contract is signed for twelve months, but is renewable at the client's request for up to a maximum of five years.
In order to renew the asset monetization contract, the customer will have to retain ownership.
The monetization program is based on a non-recourse loan.
IMPORTANT NOTE
For this type of operations, the client is not requested or required to advance any amount of money, unless the value of the Asset exceeds the capacity contracted in the Trust, in which case there could be administrative costs of the Trust that would be communicated in the formal proposal once the Due Diligence has passed, initially only the delivery of the required documents.
