{"id":5388,"date":"2024-08-19T11:03:57","date_gmt":"2024-08-19T11:03:57","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&p=5388"},"modified":"2025-11-14T14:41:16","modified_gmt":"2025-11-14T14:41:16","slug":"was-passiert-wenn-sie-einen-uberbruckungskredit-nicht-punktlich-zuruckzahlen-konnen","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/de\/einblicke\/was-passiert-wenn-sie-einen-uberbruckungskredit-nicht-punktlich-zuruckzahlen-konnen\/","title":{"rendered":"Ausf\u00e4lle von \u00dcberbr\u00fcckungsdarlehen - Was passiert, wenn Sie ein \u00dcberbr\u00fcckungsdarlehen nicht fristgerecht zur\u00fcckzahlen k\u00f6nnen?"},"content":{"rendered":"

Bridging Finanzen<\/a> is often used by Eigenschaft<\/a> developers and investors in various situations, for example, where investors are buying<\/a> a new property while waiting for the sale of another<\/a> property or waiting for a refinance on another property. Before obtaining bridging finance it is worthwhile considering your exit strategies and understanding<\/a> der consequences<\/a> in the event that you default on the loan. <\/p>\n\n\n\n

Failing to repay a bridging loan<\/a> on time can have serious consequences. Bridging loans are designed for short-term borrowing, with most bridging lenders requiring the loan to be fully repaid within the agreed timeframe.<\/p>\n\n\n\n

It\u2019s crucial to carefully review the terms of your bridging loan, as they wird<\/a> likely outline the consequences of breaching the agreement<\/a>. Failure to repay the loan by the end of the term will almost certainly constitute a breach<\/a> of your lending terms.<\/p>\n\n\n\n

Verzugszinsen<\/strong><\/h2>\n\n\n\n

If you default on your loan\u2014such as by failing to repay it by the end of the term\u2014the lender may impose a higher rate of interest. The terms concerning default interest<\/a> are usually specified in the original loan agreement, which you would have signed before taking out the loan.<\/p>\n\n\n\n

For further information on whether a lender\u2019s default interest rate may constitute an unenforceable penalty<\/a>, you can read our article here: \u201cVerzugszinsen f\u00fcr \u00dcberbr\u00fcckungsdarlehensgeber: Oberster Gerichtshof h\u00e4lt 4%-Verzugszinsen f\u00fcr nicht durchsetzbare Strafzinsen\u201d<\/a>.<\/p>\n\n\n\n

Zus\u00e4tzliche Geb\u00fchren<\/strong><\/h2>\n\n\n\n

In the event of a default on your bridging loan, the lender may seek to impose zus\u00e4tzlich<\/a> fees. The lender’s right<\/a> to do so will depend on the terms of the original loan agreement. Some lenders may add a late payment charge, typically a relatively modest amount, while others may impose \u2018account review fees,\u2019 which could be significantly higher.<\/p>\n\n\n\n

Einforderung des Darlehens\/Besitznahme-Verfahrens<\/strong><\/h2>\n\n\n\n

Sollten Sie mit der R\u00fcckzahlung des Kredits bis zum Ende der Laufzeit in Verzug geraten, kann der Kreditgeber je nach den Kreditbedingungen die sofortige R\u00fcckzahlung des gesamten Betrags verlangen.<\/p>\n\n\n\n

Wenn Sie nicht in der Lage sind, das Darlehen zur\u00fcckzuzahlen, wenn die sofortige R\u00fcckzahlung verlangt wird, kann der Kreditgeber versuchen, die Immobilie, die als Sicherheit f\u00fcr das Darlehen dient, wieder in Besitz zu nehmen.<\/p>\n\n\n\n

If the loan remains unpaid, bridging lenders are likely to have several legal options at their disposal. These may include issuing a claim to obtain a County Court Judgement, unter<\/a> statutory<\/a> demands, and \/ or presenting a winding-up or bankruptcy<\/a> petition.<\/p>\n\n\n\n

Wurde der \u00dcberbr\u00fcckungskredit von einem Unternehmen aufgenommen, kann der Kreditgeber Liquidatoren bestellen, die das kreditnehmende Unternehmen abwickeln und seine Verm\u00f6genswerte, einschlie\u00dflich etwaiger Immobilien, verwerten, um den Kredit zur\u00fcckzuzahlen.<\/p>\n\n\n\n

Kreditgeschichte\/Kreditw\u00fcrdigkeit<\/strong><\/h2>\n\n\n\n

Borrowers should bear in mind that defaulting<\/a> on your bridging loan may well have an adverse impact on your credit history \/ credit score. <\/p>\n\n\n\n

Verl\u00e4ngern des Darlehens<\/strong><\/h2>\n\n\n\n

Depending on the circumstances, the lender may be willing to extend the loan term, although you may be required to pay renewal<\/a> fees, which can be substantial with some lenders. Please note that some bridging lenders may be prepared to extend the loan term on the basis that you start to make monthly interest payments rather than allowing you to continue to roll up the interest on your loan.<\/p>\n\n\n\n

Maintaining communication with your lender is crucial. If you can demonstrate to the lender that you have an exit strategy\u2014or multiple strategies\u2014such as selling a property or Refinanzierung<\/a>, which will allow you to repay the loan within a reasonable timeframe, the lender may agree to extend the term.<\/p>\n\n\n\n

Wenn Sie in der Lage sind, Ma\u00dfnahmen zu ergreifen, um den Ausstieg zu beschleunigen, z. B. durch einen schnelleren Verkauf oder eine schnellere Refinanzierung, wird dies wahrscheinlich Ihre Aussichten auf eine g\u00fctliche Einigung bei einem Zahlungsausfall verbessern.<\/p>\n\n\n\n

Anw\u00e4lte f\u00fcr \u00dcberbr\u00fcckungsdarlehen im Verzug: Kontakt<\/h2>\n\n\n\n

David Burns<\/a>, Senior<\/a> Rechtsstreitigkeiten<\/a> Partner at Ronald Fletcher Baker LLP, has extensive experience in handling<\/a> issues related to defaults on bridging loans. For inquiries on this topic, please contact<\/a> David Burns via<\/a> email at D.Burns@rfblegal.co.uk<\/a> oder per Telefon unter 07762318409<\/a>.<\/p>","protected":false},"author":5,"featured_media":5389,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[63,20],"tags":[81],"class_list":["post-5388","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-commercial-property","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t