Multitalent PRIME

The offer period for this tariff has expired. No new drawings will be accepted.

PRIME - Key data of the product

The easiest way to financial freedom: You let your money work for you and your dreams.

TypeDebenture
Investment amountone-time starting at 200,000 EUR/CHF
Processing feenone
Interest10% p.a.
Interest paymentquarterly (2.5%)
Term31.12.2023
Partial repaymentup to 20% of the paid-in amount possible from the 2nd full calendar year
Offer periodends 10.06.2019
Repaymentafter expiry of the term

Note
The acquisition of this investment product is associated with considerable risks and could lead to the complete loss of the invested capital.

Die vollständigen und rechtlich verbindlichen Angaben sind einzig dem veröffentlichten Basisprospekt vom 11.06.2018, dem massgeblichen Konditionenblatt und den Anleihebedingungen der jeweiligen Teilschuldverschreibungen zu entnehmen. Dieser kann bei der Zahl- und Verwahrstelle VIVAT Verwaltungs GmbH, Bodmanstr. 22, D-87439 Kempten, www.multitalent.ag kostenlos angefordert werden.

Sample calculations

<brTerm in yearsQuarterly interest (2.5%)Total interestCapital repayment incl. interest

Contract sum
200,000 EUR55,000 EUR119,890 EURapprox. 319,900 EUR
300,000 EUR57,500 EUR169,973 EURapprox. 470,000 EUR
500,000 EUR512,500 EUR283,288 EURapprox. 783,300 EUR
Important information: The figures shown here are used solely for illustration purposes and cannot be guaranteed in any way. All the details were compiled to the best of our knowledge and belief and are before tax. Any tax payments due on account of accrued interest have not been considered in these calculations.

Documents

FAQ - Frequently Asked Questions

Allgemein

Where will the money be invested?

The investments offered are used for the following investment objects:

  • NPL packages with secured and/or unsecured loans, i.e. non-performing loans
  • Purchase and sale of property/corporate shareholding in property projects/granting of shareholder loans in project enterprises
  • Physical gold

Click here for more information on our investments.

Who can enter into a contract?

Natural and legal persons aged 18 and over may conclude a contract.

How much are the processing fees?

With the Multitalent BASIC tariffs, as well as the BOND, PRIME, SMART and ADVANCED tariffs, there are no processing fees!

Processing fees are/were only applicable for the expiring tariffs: Multitalent BASIC, PRESTIGE and EXKLUSIV.

What is a “subordinated loan”?

Qualified subordination means that the investor’s claim to repayment and interest from the issuer may only be exercised after all unsubordinated creditors and that the assertion of these claims is also excluded as long as, and to the extent that, the issuer is at risk of over-indebtedness or insolvency if these claims are exercised. Depositor protection is not available.

What are the obligations?

Investors must pay the issuer for their selected subscriptions; upon expiration of the investment term – subject to qualified subordination – the issuer must repay the respective subscription sums to the investors and pay out any accruing interest to the investors over the term.

How does the tax work?

The current interest income from the subordinated loan is interest income from capital assets in accordance with § 20 Para. 1 no. 4 of the German Income Tax Act (Einkommensteuergesetz) and is subject to capital gains tax plus church tax of 8% (in the case of church membership) and/or 9% depending on the respective state. The rate of taxation is 25% plus 5.5 % solidarity tax, so a total of 26.375% plus any church taxes.

This capital gains tax, as well as the solidarity surcharge (26.375% in total), is paid by the company to the relevant tax office responsible through deduction at source. The investor will receive confirmation of this tax payment.

What happens to the contract in the event of death?

In the event of death, the agreement – together with all rights and obligations – is transferred to the heirs.

What happens if I want to terminate the agreement early?

The agreement, like any other loan, is concluded at a certain time. Early termination of the loan can only be carried out unanimously. If the agreement is terminated early, corresponding compensation may be requested.

How long has the company been on the market?

VIVAT Solution was founded in August 2012. The collaboration of three well-known companies in the finance sector facilitated the launch of a product that was not only sophisticated but also accessible to anyone. Based on a combination of innovative thinking and over 100 years of experience in the investment area between them, these companies developed the unique concept of “Multitalent”.

More details can be found in our History section.

Tarifbezogen

What is the length of the contract?

The tariff ends after a minimum of 5 full calendar years, although the maximum contract duration is 25 years.

Is it possible to have access to the money during the term?

Yes. A partial repayment of up to 20% of the paid-in loan is possible from the second full calendar year.

What is the rate of interest?

Interest is paid on the paid-in capital on a quarterly basis (2.5% per quarter) in the amount of 10% p.a.

When can the agreement be terminated?

The agreement can be terminated up to 1 month prior to the end of the agreement term.

What is the minimum amount you can invest?

It is possible to invest a one-off payment starting from EUR 200,000.

I am interested in this product

You are interested in this product and would like to find out more? Please contact us and an advisor from your area will contact you.

Please also advise us of your place of residence and telephone number.

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