{"id":9632,"date":"2026-06-01T10:34:13","date_gmt":"2026-06-01T10:34:13","guid":{"rendered":"https:\/\/rfblegal.co.uk\/?post_type=insight&#038;p=9632"},"modified":"2026-06-05T08:37:23","modified_gmt":"2026-06-05T08:37:23","slug":"ausfalle-bei-uberbruckungskrediten-und-aufsichtsrechtliche-uberlegungen-fsma-cca","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/de\/einblicke\/ausfalle-bei-uberbruckungskrediten-und-aufsichtsrechtliche-uberlegungen-fsma-cca\/","title":{"rendered":"Zahlungsausf\u00e4lle bei \u00dcberbr\u00fcckungskrediten und aufsichtsrechtliche Aspekte (FSMA &amp; CCA)\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Bridging loans occupy a unique position in UK <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/was-ist-eine-uberbruckungsfinanzierung\/\">Finanzen<\/a>: they are short-term, high-interest, and security-driven lending products designed to \u201cbridge\u201d a temporary funding gap, often in <a href=\"https:\/\/rfblegal.co.uk\/de\/kategorie\/vermogensrechtliche-streitigkeiten\/\">Eigenschaft<\/a> transactions. Their speed and flexibility make them attractive for auction <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/neuanschaffungen-was-sie-wissen-mussen\/\">purchases<\/a>, chain breaks, refurbishment projects, and investment acquisitions. However, the same features that make them useful also make them high-risk. When borrowers default, <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/streitigkeiten-bei-uberbruckungskrediten-umgang-mit-zahlungsausfallen-vollstreckung-und-missbrauchlichen-klauseln\/\">enforcement<\/a> is typically swift and highly structured around the <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/qa-wertpapier-mit-aufgeschobener-gegenleistung\/\">security<\/a> (usually property).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A key complexity in <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/uberbruckungskredite-als-sicherheitsnetz-fur-kreditnehmer-in-not-verstehen\/\">understanding<\/a> <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/ausfall-des-uberbruckungsdarlehens-durchsetzung-des-kreditgebers-und-ihre-moglichkeiten\/\">bridging loan<\/a> <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/was-passiert-wenn-sie-einen-uberbruckungskredit-nicht-punktlich-zuruckzahlen-konnen\/\">defaults<\/a> in the UK is that these loans do not sit neatly within a single <a href=\"https:\/\/rfblegal.co.uk\/de\/dienstleistungen\/personenrecht\/ordnungsrecht\/\">Regulierung<\/a> regime. Depending on structure and purpose, a bridging loan may be governed by<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/contents\"> FSMA 2000<\/a>, geregelt durch das <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1974\/39\/contents\">Verbraucherkreditgesetz von 1974 (CCA)<\/a>, oder v\u00f6llig unreguliert.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Da Schnelligkeit das vorrangige Ziel ist, sind \u00dcberbr\u00fcckungskredite in der Regel teurer als herk\u00f6mmliche Hypotheken und erfordern eine klare, umsetzbare Ausstiegsstrategie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The exit strategy\u2014the method by which the borrower intends to repay the loan\u2014is the focal point of any bridging facility. Common exit strategies include <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/was-versteht-man-unter-der-abwicklung-beim-verkauf-eines-hauses\/\">selling<\/a> the secured property or <a href=\"https:\/\/rfblegal.co.uk\/de\/dienstleistungen\/personenrecht\/wohneigentum\/refinanzierung-von-immobilien\/\">Refinanzierung<\/a> the bridging loan onto a long-term mortgage. If this strategy fails or is delayed, the borrower falls into default. Given the unforgiving, short-term nature of bridging finance, defaults can escalate quickly. Borrowers face mounting financial pressure, while lenders must navigate a strict <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/beratung-von-vermietern-und-verwaltern-zu-gesetzlichen-belastigungen\/\">statutory<\/a> and regulatory landscape to enforce their security.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ein \u00dcberblick \u00fcber Zahlungsausf\u00e4lle bei \u00dcberbr\u00fcckungskrediten<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To fully comprehend the regulatory implications of default, one must first understand what constitutes a default in the <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/fragen-zum-arbeitsrecht-im-unternehmenskontext\/\">context<\/a> of bridging finance. While <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/fehlende-begunstigte-und-benjamin-auftrage\/\">missing<\/a> a monthly payment is an obvious trigger, &#8220;default&#8221; is a broad term that extends far beyond non-payment. The exact circumstances constituting default are outlined in the facility <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/brauche-ich-eine-aktionarsvereinbarung\/\">agreement<\/a> and security <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/leitfaden-fur-das-neue-geschaftsjahr-damit-ihre-juristischen-unternehmensdokumente-auf-dem-neuesten-stand-sind\/\">documents<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zu den \u00fcblichen Verzugsgr\u00fcnden z\u00e4hlen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Laufzeitende:<\/strong> Die Nichtr\u00fcckzahlung des gesamten Darlehensbetrags bis zum vereinbarten F\u00e4lligkeitstermin des \u00dcberbr\u00fcckungskredits ist der h\u00e4ufigste Grund f\u00fcr einen Zahlungsausfall.<\/li>\n\n\n\n<li><strong>Technical <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/was-jeder-gewerbliche-vermieter-uber-verstose-gegen-den-mietvertrag-wissen-muss\/\">Breaches<\/a>:<\/strong> Breaching specific loan covenants, such as <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/was-ist-eine-verpflichtung-im-rahmen-einer-immobilienubertragung\/\">undertaking<\/a> structural refurbishments without the lender&#8217;s prior consent, or <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/anderungen-ohne-zustimmung-die-rechtlichen-risiken-unbefugter-umbauten-an-mietobjekten\/\">unauthorised<\/a> changes to the property&#8217;s use or occupancy.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/die-umlagezeit-umgang-mit-gewerblichen-mietruckstanden-bei-mieterinsolvenz\/\">Zahlungsunf\u00e4higkeit<\/a> Events:<\/strong> The borrower entering <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/schutz-ihrer-interessen-wenn-ein-mitgesellschafter-geschaftsfuhrer-in-konkurs-geht\/\">bankruptcy<\/a>, <a href=\"https:\/\/rfblegal.co.uk\/de\/dienstleistungen\/wirtschaftsrecht\/handelsprozess\/insolvenz\/\">liquidation<\/a>, or an <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/streitigkeiten-im-bereich-energie-und-versorgung-sind-sie-eine-privatperson-oder-ein-unternehmen-dem-von-seinem-energie-oder-versorgungsanbieter-zu-hohe-preise-in-rechnung-gestellt-werden\/\">Einzelne<\/a> Voluntary Arrangement (IVA).<\/li>\n\n\n\n<li><strong>Kreuzausf\u00e4lle:<\/strong> A default on <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/ein-weiteres-erfolgreiches-buro-fur-die-registrierung-von-studenten\/\">another<\/a> loan or financial obligation held by the borrower that negatively impacts their financial standing.<\/li>\n\n\n\n<li><strong>Falschangabe:<\/strong> Die Feststellung, dass der Kreditnehmer im Rahmen des Antragsverfahrens falsche oder irref\u00fchrende Angaben gemacht hat.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Unmittelbare Folgen<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once a default occurs, lenders often act swiftly to protect their <a href=\"https:\/\/rfblegal.co.uk\/de\/dienstleistungen\/wirtschaftsrecht\/geschaft-mit-immobilienstreitigkeiten\/gewerbliche-nutzer\/\">kommerziell<\/a> interests, often triggering rapid escalation of the borrower&#8217;s debt.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/stellt-der-verzugszins-eines-uberbruckungsdarlehensgebers-eine-nicht-einklagbare-vertragsstrafe-dar\/\">Verzugszinsen<\/a> Rates:<\/strong> Bei Zahlungsverzug wenden Kreditgeber h\u00e4ufig einen deutlich h\u00f6heren Zinssatz an. Manchmal berechnen Kreditgeber diese Zinsen verzinslich, wodurch die Schulden innerhalb kurzer Zeit exponentiell ansteigen.<\/li>\n\n\n\n<li><strong>Verzugsgeb\u00fchren:<\/strong> Lenders typically charge administration fees, legal costs, and <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/default-on-bridging-loans-what-happens-if-a-receiver-is-appointed-following-default-on-a-bridging-loan\/\">receiver<\/a> fees associated with <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/vollstreckung-einer-auslandischen-entscheidung-in-england-und-wales-checkliste-fur-die-vollstreckung-im-rahmen-des-common-law\/\">enforcing<\/a> the loan.<\/li>\n\n\n\n<li><strong>Durchsetzungsma\u00dfnahme:<\/strong> The lender may move to take <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/empfanger-von-festgebuhren-und-besitz-in-streitigkeiten-uber-uberbruckungskredite\/\">possession<\/a> of the property, initiate court proceedings, or appoint a Fixed Charge Receiver to take control of the asset and sell it to recover the debt.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Der Rechtsrahmen: FSMA und CCA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Der britische Sektor f\u00fcr \u00dcberbr\u00fcckungsfinanzierungen unterliegt keinem einheitlichen, pauschalen Regulierungsrahmen. Stattdessen gliedert sich die Regulierung in zwei Hauptregelungen: Kredite, die von der Financial Conduct Authority (<a href=\"https:\/\/www.google.com\/url?sa=i&amp;source=web&amp;rct=j&amp;url=https:\/\/www.fca.org.uk\/&amp;ved=2ahUKEwi-85Dc9syUAxUkT0EAHbTFBagQy_kOegoIAggACAAIEhAC&amp;opi=89978449&amp;cd&amp;psig=AOvVaw0EnhMKI5p9CKS10C-yDIQR&amp;ust=1779540399200000\" target=\"_blank\" rel=\"noreferrer noopener\">FCA<\/a>) gem\u00e4\u00df dem FSMA sowie Kredite, die dem CCA unterliegen. Der regulatorische Status eines Kredits bestimmt den Umfang des gesetzlichen Schutzes, den ein Kreditnehmer genie\u00dft, insbesondere im Falle eines Zahlungsausfalls.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Regulierte \u00dcberbr\u00fcckungskredite (FSMA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Im Rahmen der <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/contents\/made\">Gesetz \u00fcber Finanzdienstleistungen und -m\u00e4rkte von 2000 (Verordnung \u00fcber regulierte T\u00e4tigkeiten) von 2001 <\/a>(\u2018RAO\u2019) gilt ein \u00dcberbr\u00fcckungskredit als \u201cregulierter Hypothekenvertrag\u201d, wenn er bestimmte Kriterien erf\u00fcllt. Im Allgemeinen trifft dies zu, wenn der Kredit an eine Privatperson oder einen Treuh\u00e4nder vergeben wird und die als Sicherheit dienende Immobilie derzeit vom Kreditnehmer oder einem unmittelbaren Familienangeh\u00f6rigen bewohnt wird oder bewohnt werden soll.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The FCA governs these regulated bridging loans to ensure rigorous consumer protection. Key regulatory <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/uk-visas-2024-das-mindestgehalt-und-die-einkommensanforderungen\/\">requirements<\/a> include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bewertung der Erschwinglichkeit:<\/strong> Kreditgeber sind gesetzlich verpflichtet, vor der Gew\u00e4hrung eines Kredits eine gr\u00fcndliche Einkommenspr\u00fcfung und eine Pr\u00fcfung der Zahlungsf\u00e4higkeit durchzuf\u00fchren.<\/li>\n\n\n\n<li><strong>FCA-Grunds\u00e4tze f\u00fcr Unternehmen:<\/strong> Kreditgeber m\u00fcssen ihre Kunden fair behandeln und deren Interessen geb\u00fchrend ber\u00fccksichtigen.<\/li>\n\n\n\n<li><strong>Mortgages and <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/ist-die-abwicklung-meines-hauskaufs-in-ordnung\/\">Startseite<\/a> Finance: Conduct of <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/qa-vertrage\/\">Business<\/a> Sourcebook (MCOB):<\/strong> Lenders must adhere to strict rules regarding <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/auskunftsverfugungen\/\">disclosure<\/a>, pre-contractual illustrations, and <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/welche-rechtlichen-verpflichtungen-hat-der-vermieter-bei-der-behandlung-von-feuchtigkeit-und-schimmel\/\">handling<\/a> <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/mietruckstande-bei-gewerbemietern-ein-praktischer-leitfaden-fur-gewerbliche-mieter\/\">arrears<\/a>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Wenn ein regulierter \u00dcberbr\u00fcckungskredit ausf\u00e4llt, unterliegt der Kreditgeber den strengen Richtlinien der FCA hinsichtlich Stundungsma\u00dfnahmen und der fairen Behandlung von Kunden in finanziellen Schwierigkeiten. Die R\u00fccknahme des Gegenstands darf nur als letztes Mittel eingesetzt werden, und die Kreditgeber m\u00fcssen proaktiv mit den Kreditnehmern zusammenarbeiten, um alternative R\u00fcckzahlungsvereinbarungen zu finden.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Kredite nach dem Verbraucherkreditgesetz (CCA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The Consumer <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/kann-ich-die-gebuhren-fur-die-eigentumsubertragung-mit-kreditkarte-bezahlen\/\">Credit<\/a> Act 1974 (CCA), in general terms, applies primarily to smaller, unsecured, or second-charge bridging loans that fall outside the definition of a regulated mortgage contract, generally when the loan is not wholly or predominantly for business purposes. The CCA provides statutory rights for borrowers, including specific procedures lenders must follow when enforcing the loan or imposing default <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/wohnnebenkosten-ein-praktischer-leitfaden-fur-vermieter\/\">charges<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Historically, bridging loans to <a href=\"https:\/\/rfblegal.co.uk\/de\/kategorie\/unternehmen-2\/\">corporate<\/a> entities (e.g., Limited Companies or Special Purpose Vehicles) were largely unregulated. However, the line is increasingly blurred; some lenders attempt to require borrowers to incorporate companies to classify the loan as unregulated and avoid CCA or FSMA constraints. Yet, if the loan is deemed consumer credit in substance, the courts can look past the corporate veil, and the regulatory <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/rechte-und-schutz-von-minderheitsaktionaren\/\">protections<\/a> of the CCA may still apply.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Regulatorische Aspekte f\u00fcr Kreditgeber: Das allgemeine Verbot<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A critical regulatory <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/schutz-der-aufgeschobenen-gegenleistung-bei-einem-aktienverkauf\/\">consideration<\/a> for all lenders operating in the UK is the &#8220;General Prohibition&#8221; established under <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/section\/19\">\u00a7 19 des FSMA 2000<\/a>. Dieses Verbot besagt, dass niemand im Vereinigten K\u00f6nigreich eine \u201cregulierte T\u00e4tigkeit\u201d aus\u00fcben darf, es sei denn, es handelt sich um eine zugelassene oder eine von der Regelung ausgenommene Person.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Entering into a regulated mortgage contract is a regulated activity. If an unauthorised lender issues a loan that should have been regulated under FSMA, the <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/cifas-marker-erklart-ursachen-folgen-und-losungen\/\">consequences<\/a> are severe:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nichtdurchsetzbarkeit:<\/strong> Unter <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/section\/26\">\u00a7 26A des FSMA 2000,<\/a> the loan agreement may be rendered completely unenforceable against the borrower. The lender may lose the <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/das-vorkaufsrecht-wichtige-erkenntnisse-fur-vermieter-und-mieter\/\">right<\/a> to recover the principal sum or the interest.<\/li>\n\n\n\n<li><strong>R\u00fcckzahlungsanweisungen:<\/strong> Das Gericht kann den Kreditgeber dazu verurteilen, dem Kreditnehmer eine Entsch\u00e4digung zu zahlen, was unter Umst\u00e4nden die R\u00fcckerstattung aller bereits geleisteten Zins- und Tilgungszahlungen zur Folge haben kann.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/rfblegal.co.uk\/de\/kategorie\/strafrechtliche-rechtsstreitigkeiten\/\">Criminal<\/a> Liability:<\/strong> Ein Versto\u00df gegen das allgemeine Verbot stellt eine Straftat dar, die mit einer Geldstrafe in beliebiger H\u00f6he oder einer Freiheitsstrafe geahndet wird.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Ausnahme f\u00fcr Unternehmen gegen\u00fcber Verbrauchern<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ein h\u00e4ufiger Streitpunkt ist die Frage, ob ein \u00dcberbr\u00fcckungskredit zu \u201cgesch\u00e4ftlichen Zwecken\u201d aufgenommen wurde, wodurch der Kredit h\u00e4ufig von den CCA-Vorschriften ausgenommen ist. <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/article\/60C\">Artikel 60C Absatz 5 der Verordnung \u00fcber regulierte T\u00e4tigkeiten<\/a> Es gilt die Vermutung, dass ein Darlehen gesch\u00e4ftlichen Zwecken dient, wenn der Darlehensnehmer eine entsprechende Erkl\u00e4rung abgibt.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Allerdings gilt gem\u00e4\u00df <a href=\"https:\/\/www.legislation.gov.uk\/uksi\/2001\/544\/article\/60C\">Artikel 60C Absatz 6<\/a>, if the lender knew or had reasonable cause to suspect that the loan was not wholly or predominantly for business purposes, the declaration could be treated as invalid. In the event of a default, borrowers often <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/anfechtung-der-erbbaurechtsreform-stellt-die-zukunft-der-wichtigsten-bestimmungen-in-frage\/\">challenge<\/a> the validity of their business purpose declaration, arguing that the loan was actually for a consumer purpose (e.g., funding personal debt or a <a href=\"https:\/\/rfblegal.co.uk\/de\/dienstleistungen\/personenrecht\/wohneigentum\/\">Wohnen<\/a> property purchase) and that the lender failed to conduct appropriate regulatory checks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Verzugszinsen, Geb\u00fchren und missbr\u00e4uchliche Gesch\u00e4ftsbeziehungen (CCA)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most litigated aspects of bridging loan defaults is the imposition of default interest and <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/uberbruckungskreditgeber-verzugszinsen-hochstrichterliches-gericht-halt-4-verzugszinsen-fur-eine-nicht-durchsetzbare-strafgebuhr\/\">penalty<\/a> fees. Given the short timeframes and high risks of bridging finance, lenders <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/navigieren-durch-den-anstieg-der-internationalen-schiedsgerichtsbarkeit-faq\/\">frequently<\/a> <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/brauche-ich-einen-immobilienanwalt-fur-einen-neubau\/\">build<\/a> high default rates and fees into their contracts. However, borrowers have challenged whether these rates are legally enforceable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Das Strafgesetz<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nach dem wegweisenden Test aus&nbsp;<em>Makdessi<\/em>, eine Klausel stellt eine nicht durchsetzbare Vertragsstrafe dar, wenn es sich um eine Nebenpflicht handelt, die dem Vertragsbrecher einen Nachteil auferlegt, der in keinem Verh\u00e4ltnis zu einem etwaigen&nbsp;<strong>berechtigtes Interesse<\/strong>&nbsp;der unschuldigen Partei bei der Durchsetzung der Hauptverpflichtung.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Auf dem \u00dcberbr\u00fcckungskreditmarkt begr\u00fcnden Kreditgeber hohe Verzugszinsen (z. B. (3%) bis (4%) pro Monat) h\u00e4ufig damit, dass sie damit das hohe Risiko ausgleichen, dass Kapital in einem notleidenden Kredit gebunden ist.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Die Gerichte haben keinen \u201cfesten\u201d Prozentsatz festgelegt, der eine Vertragsstrafe darstellt; vielmehr h\u00e4ngt dies davon ab, ob der Zinssatz im wirtschaftlichen Kontext als \u201c\u00fcberh\u00f6ht\u201d bzw. \u201cunangemessen\u201d anzusehen ist. W\u00e4hrend Zinsaufschl\u00e4ge gerechtfertigt sein k\u00f6nnen, k\u00f6nnen \u00fcberh\u00f6hte Zinss\u00e4tze, die einen unverh\u00e4ltnism\u00e4\u00dfigen Nachteil verursachen, als nicht durchsetzbare Vertragsstrafe behandelt werden.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Faktoren, die Kreditnehmer ber\u00fccksichtigen sollten:<\/strong><br>Bei der Anfechtung eines \u00dcberbr\u00fcckungskredits bzw. einer Ausfallquote steht die Frage im Mittelpunkt, ob die R\u00fcckstellung&nbsp;<strong>\u201cstrafrechtlicher\u201d Natur <\/strong>in keinem Verh\u00e4ltnis zu irgendetwas&nbsp;<strong>berechtigtes Interesse<\/strong>&nbsp;der unschuldigen Partei \u2013 das hei\u00dft, ihr Hauptzweck besteht darin, den Kreditnehmer zu bestrafen, anstatt die berechtigten Interessen des Kreditgebers zu sch\u00fctzen. Zu ber\u00fccksichtigende Punkte sind unter anderem:\n<ul class=\"wp-block-list\">\n<li><strong>Die Beweislast:<\/strong>&nbsp;Es obliegt dem Kreditnehmer nachzuweisen, dass der Zinssatz in keinem \u201cangemessenen Verh\u00e4ltnis\u201d zu den Interessen des Kreditgebers steht. Der Kreditgeber muss nicht zwangsl\u00e4ufig eine mathematische Begr\u00fcndung f\u00fcr den gew\u00e4hlten Zinssatz vorlegen.<\/li>\n\n\n\n<li><strong>Fehleinstufung durch die Aufsichtsbeh\u00f6rden:<\/strong>\u00a0Wenn ein Kreditgeber einen Kredit f\u00e4lschlicherweise als \u201cnicht reguliert\u201d eingestuft hat (z. B. wenn eine Erkl\u00e4rung \u00fcber den \u201cgesch\u00e4ftlichen Verwendungszweck\u201d unterzeichnet wurde, obwohl der Kreditnehmer beabsichtigte, die Immobilie zu Wohnzwecken zu nutzen), genie\u00dft der Kreditnehmer m\u00f6glicherweise wesentlich st\u00e4rkeren Schutz gem\u00e4\u00df dem\u00a0<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2000\/8\/contents\">Gesetz \u00fcber Finanzdienstleistungen und -m\u00e4rkte von 2000 (FSMA)<\/a>\u00a0und\u00a0<a href=\"https:\/\/handbook.fca.org.uk\/guides\/reader-guide\">FCA-Handbuch<\/a>, was die Zinsbedingungen unabh\u00e4ngig von der Strafklausel als \u201cunfair\u201d erscheinen lassen kann.<\/li>\n\n\n\n<li><strong>Die Falle der \u201cprim\u00e4ren Verpflichtung\u201d:<\/strong>&nbsp;If the higher rate is structured to trigger on a &#8220;non-breach&#8221; event, lenders may argue it is a primary obligation (not a penalty). However, courts <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/kann-ein-testament-meine-fruheren-vertrage-aufheben\/\">wird<\/a> look at the&nbsp;<strong>Inhalt vor Form<\/strong>&nbsp;um zu pr\u00fcfen, ob es sich dabei tats\u00e4chlich um eine Strafe f\u00fcr versp\u00e4tete Zahlung handelt.&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Hindernis bei der R\u00fcckkaufsberechtigung:<\/strong>&nbsp;Ein Kreditnehmer hat ein billigkeitsrechtliches Recht darauf, seinen Kredit zur\u00fcckzuzahlen und sein Eigentum zur\u00fcckzuerhalten. Jede Klausel, die die R\u00fcckzahlung \u201cunangemessen erschwert\u201d oder dieses Recht \u201cbehindert\u201d \u2013 wie beispielsweise exorbitante Ausstiegsgeb\u00fchren oder \u00fcberm\u00e4\u00dfig strenge R\u00fcckzahlungsbedingungen \u2013, kann m\u00f6glicherweise als nicht durchsetzbar angefochten werden.<\/li>\n\n\n\n<li><strong>Unzul\u00e4ssige Beeinflussung oder N\u00f6tigung:<\/strong>&nbsp;If a borrower was pressured into the loan under illegitimate circumstances or without independent legal advice, the agreement (or personal <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/personliche-burgschaften-und-mietruckstande-bei-gewerblichen-mietvertragen-stellen-ein-risiko-fur-die-geschaftsfuhrer-dar\/\">guarantees<\/a> associated with it) might be set aside.<\/li>\n\n\n\n<li><strong>Professional <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/wie-hoch-ist-der-schadenersatzanspruch-bei-fahrlassigkeit-bei-der-eigentumsubertragung\/\">Negligence<\/a>:<\/strong>\u00a0In manchen F\u00e4llen kann die Streitigkeit bei den beteiligten Fachleuten liegen. Hat beispielsweise ein Rechtsanwalt es vers\u00e4umt, ordnungsgem\u00e4\u00df \u00fcber die Risiken hoher Verzugszinsen oder \u201ctechnischer\u201d Zahlungsausf\u00e4lle zu beraten, kann ein Kreditnehmer einen Anspruch wegen beruflicher Fahrl\u00e4ssigkeit geltend machen, um seine Verluste auszugleichen.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Wenn im Rahmen eines Rechtsstreits die Durchsetzbarkeit von \u00dcberbr\u00fcckungskrediten angefochten wird, k\u00f6nnen neben der \u201cStrafklausel\u201d noch verschiedene weitere rechtliche und aufsichtsrechtliche Argumente herangezogen werden; es ist jedoch wichtig, so fr\u00fch wie m\u00f6glich rechtlichen Rat einzuholen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Unfaire Vertragsbedingungen im Sinne des Verbraucherkreditgesetzes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Unter <a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/1974\/39\/part\/IX\/crossheading\/unfair-relationships#:~:text=140AUnfair%20relationships%20between%20creditors%20and%20debtors&amp;text=(2)In%20deciding%20whether%20to,matters%20relating%20to%20the%20debtor).\">\u00a7 140A des CCA von 1974<\/a>, courts can review <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/qa-aktienkaufvertrage\/\">agreements<\/a> deemed unfair due to factors like excessive total credit costs, lender misconduct, or oppressive enforcement. If an unfair relationship is found, s140B empowers courts to <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/redundancy-restructure-and-fire-and-rehire-a-practical-guide-for-employers\/\">restructure<\/a> the agreement, reduce interest rates, or order refunds of payments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">David Burns, <a href=\"https:\/\/rfblegal.co.uk\/de\/tag\/senior-partner\/\">Senior<\/a> <a href=\"https:\/\/rfblegal.co.uk\/de\/tag\/litigation-team-br\/\">Rechtsstreitigkeiten<\/a> Partner at Ronald <a href=\"https:\/\/rfblegal.co.uk\/de\/\">Fletcher<\/a> Baker LLP, has extensive experience handling issues related to bridging loan defaults and disputes.\/ For <a href=\"https:\/\/rfblegal.co.uk\/de\/wissensbasis\/9726-2\/\">Anfragen<\/a> on this topic, please <a href=\"https:\/\/rfblegal.co.uk\/de\/kontaktieren-sie-uns\/\">contact<\/a> David Burns <a href=\"https:\/\/rfblegal.co.uk\/de\/einblicke\/anleitung-zur-beantragung-einer-britischen-sponsorlizenz-uber-den-weg-des-facharbeitervisums\/\">via<\/a> email at D.Burns@rfblegal.co.uk or by phone at 0207 467 5751.<\/p>","protected":false},"author":12,"featured_media":9633,"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":[20],"tags":[81],"class_list":["post-9632","insight","type-insight","status-publish","format-standard","has-post-thumbnail","hentry","category-property-litigation","tag-litigation-team-dj"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Bridging loans occupy a unique position in UK finance: they are short-term, high-interest, and security-driven lending products designed to \u201cbridge\u201d a temporary funding gap, often in property transactions. 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Ihre Schnelligkeit und Flexibilit\u00e4t machen sie attraktiv f\u00fcr Auktionsk\u00e4ufe, Unterbrechungen in der Kaufkette, Sanierungsprojekte und Investitionsk\u00e4ufe. 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