{"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":"overbruggingskrediet-wanbetalingen-wat-gebeurt-er-als-je-een-overbruggingskrediet-niet-op-tijd-kunt-terugbetalen","status":"publish","type":"insight","link":"https:\/\/rfblegal.co.uk\/nl\/inzichten\/overbruggingskrediet-wanbetalingen-wat-gebeurt-er-als-je-een-overbruggingskrediet-niet-op-tijd-kunt-terugbetalen\/","title":{"rendered":"Overbruggingskrediet in gebreke - Wat gebeurt er als u een overbruggingskrediet niet op tijd kunt terugbetalen?"},"content":{"rendered":"

Bridging financi\u00ebn<\/a> is often used by property 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> de 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 zal<\/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

Vertragingsrente<\/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: \u201cWanbetalingsrente voor overbruggingskredietverstrekker: Hooggerechtshof vindt 4% vertragingsrente een niet-afdwingbare boete\u201d<\/a>.<\/p>\n\n\n\n

Extra kosten<\/strong><\/h2>\n\n\n\n

In the event of a default on your bridging loan, the lender may seek to impose extra<\/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

Lening \/ Bezitsprocedure inroepen<\/strong><\/h2>\n\n\n\n

Als je in gebreke blijft door de lening aan het einde van de looptijd niet terug te betalen, kan de kredietverstrekker, afhankelijk van de leningsvoorwaarden, onmiddellijke terugbetaling van het volledige bedrag eisen.<\/p>\n\n\n\n

Als je niet in staat bent om de lening terug te betalen wanneer onmiddellijke terugbetaling wordt ge\u00ebist, kan de kredietverstrekker proberen om het eigendom waarop de lening is gedekt terug in bezit te nemen.<\/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, tbv<\/a> statutory<\/a> demands, and \/ or presenting a winding-up or bankruptcy<\/a> petition.<\/p>\n\n\n\n

Als het overbruggingskrediet werd afgesloten door een bedrijf, kan de kredietverstrekker vereffenaars aanstellen om het lenende bedrijf te liquideren en zijn activa, waaronder eigendommen, te gelde te maken om de lening terug te betalen.<\/p>\n\n\n\n

Kredietgeschiedenis \/ kredietscore<\/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

De lening verlengen<\/strong><\/h2>\n\n\n\n

Afhankelijk van de omstandigheden kan de kredietverstrekker bereid zijn om de leentermijn te verlengen, hoewel je hiervoor verlengingskosten moet betalen, die bij sommige kredietverstrekkers aanzienlijk kunnen zijn. Houd er rekening mee dat sommige overbruggingskredietverstrekkers bereid kunnen zijn om de leentermijn te verlengen op basis van het feit dat je maandelijkse rentebetalingen begint te doen in plaats van je toe te staan om de rente op je lening door te rollen.<\/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 refinancing<\/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

Als u stappen kunt ondernemen om een exit te versnellen, zoals het versnellen van een verkoop of herfinanciering, zal dit waarschijnlijk uw vooruitzichten verbeteren om een minnelijke schikking te treffen voor een eventuele wanbetalingssituatie.<\/p>\n\n\n\n

Overbruggingslening in gebreke advocaten: Neem contact met ons op<\/h2>\n\n\n\n

David Burns<\/a>, Senior<\/a> Geschillen<\/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> of telefonisch op 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