𝟰% 𝗠𝗔𝗥𝗚𝗜𝗡
𝗔𝗿𝗲 𝘆𝗼𝘂 𝘀𝘂𝗿𝗲 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘄𝗵𝗮𝘁’𝘀 𝗯𝗲𝗵𝗶𝗻𝗱 𝘁𝗵𝗲 𝗻𝘂𝗺𝗯𝗲𝗿?
𝗧𝗥𝗔𝗡𝗦𝗣𝗔𝗥𝗘𝗡𝗖𝗬 𝗠𝗔𝗧𝗧𝗘𝗥𝗦.
A 4% margin can look like a great deal today.
And maybe it is.
But before you sign, make sure you understand the full picture.
𝗜𝘀 𝗲𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 𝗯𝗲𝗵𝗶𝗻𝗱 𝘁𝗵𝗮𝘁 𝟰% 𝘁𝗿𝘂𝗹𝘆 𝘁𝗿𝗮𝗻𝘀𝗽𝗮𝗿𝗲𝗻𝘁?
𝗠𝗮𝗸𝗲 𝘀𝘂𝗿𝗲 𝘆𝗼𝘂’𝗿𝗲 𝗮𝘀𝗸𝗶𝗻𝗴 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗮𝗻𝗱 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲 𝗮𝗻𝘀𝘄𝗲𝗿𝘀 𝗮𝗿𝗲 𝘄𝗿𝗶𝘁𝘁𝗲𝗻 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗰𝗼𝗻𝘁𝗿𝗮𝗰𝘁.
Are your conditions guaranteed for the 𝗲𝗻𝘁𝗶𝗿𝗲 𝗱𝘂𝗿𝗮𝘁𝗶𝗼𝗻 𝗼𝗳 𝗗𝗜𝗚𝗜𝗧 𝗧𝗠𝟯, or only for the first phase?
𝗪𝗵𝗲𝗻 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝘄𝗶𝗹𝗹 𝘆𝗼𝘂 𝗴𝗲𝘁 𝗽𝗮𝗶𝗱 𝗮𝗻𝗱 𝘂𝗻𝗱𝗲𝗿 𝘄𝗵𝗮𝘁 𝗰𝗼𝗻𝗱𝗶𝘁𝗶𝗼𝗻𝘀?
What happens with 𝗶𝗻𝗱𝗲𝘅𝗮𝘁𝗶𝗼𝗻?
Is it applied in the same month as granted by the Commission?
Is it applied at the exact same rate as the Commission applies?
What about the 𝟱% 𝗴𝗿𝗮𝗻𝘁𝗲𝗱 indexation 𝗮𝗳𝘁𝗲𝗿 𝟰𝟰𝟬 𝗱𝗮𝘆𝘀 𝗼𝗳 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝘆?
Will future 𝗿𝗮𝘁𝗲 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝘀 be fully passed on to you?
What happens when it’s time to 𝗿𝗲𝗻𝗲𝘄?
Are there any 𝗮𝗱𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗰𝗼𝘀𝘁𝘀 𝗼𝗿 𝗰𝗼𝗻𝗱𝗶𝘁𝗶𝗼𝗻𝘀 you should know about? Management fees, for example?
And are you truly 𝗳𝗿𝗲𝗲 𝘁𝗼 𝗰𝗵𝗼𝗼𝘀𝗲 what you do next? Or are there 𝗻𝗼𝗻-𝗰𝗼𝗺𝗽𝗲𝘁𝗲 𝗰𝗹𝗮𝘂𝘀𝗲𝘀?
Because transparency isn’t just knowing the percentage you’re offered.
𝗧𝗿𝗮𝗻𝘀𝗽𝗮𝗿𝗲𝗻𝗰𝘆 𝗶𝘀 𝗸𝗻𝗼𝘄𝗶𝗻𝗴 𝗲𝘅𝗮𝗰𝘁𝗹𝘆 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂’𝗿𝗲 𝘀𝗶𝗴𝗻𝗶𝗻𝗴 𝘁𝗼𝗱𝗮𝘆 𝗮𝗻𝗱 𝘄𝗵𝗮𝘁 𝗶𝘁 𝗺𝗲𝗮𝗻𝘀 𝗳𝗼𝗿 𝘆𝗼𝘂 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄.
A 4% margin may be a great deal.
𝗕𝘂𝘁 𝗺𝗮𝗸𝗲 𝘀𝘂𝗿𝗲 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝘁𝗵𝗲 𝘄𝗵𝗼𝗹𝗲 𝗱𝗲𝗮𝗹.
𝗕𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗰𝗵𝗼𝗼𝘀𝗲, 𝗮𝘀𝗸 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀.
𝗗𝗨𝗞𝗔𝗧 𝗱𝗼𝗲𝘀𝗻’𝘁 𝗽𝗹𝗮𝗰𝗲 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝗻𝘁𝘀.
𝗪𝗲 𝗯𝘂𝗶𝗹𝗱 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗰𝗮𝗿𝗲𝗲𝗿𝘀 𝗶𝗻 𝗘𝘂𝗿𝗼𝗽𝗲𝗮𝗻 𝗙𝗿𝗮𝗺𝗲𝘄𝗼𝗿𝗸𝘀.
Still have questions? 𝗧𝗮𝗹𝗸 𝘁𝗼 𝘂𝘀 𝗯𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝘀𝗶𝗴𝗻.
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