How do investors of the so-called “lever models”? “Munich, October 2011 – investors of the so-called lever models” as the SpRenta, the lex concept-, System pension or safety compact pensions (SKR), suffering from an enormous loan debt Helaba and Frankfurter Bankgesellschaft (formerly LB Swiss, Helaba Switzerland), flapping at the time unpleasant post of the Bank into the House. Attorney for banking and capital market law Anja Appelt, partner law firm investor protection Cape lawyers, explained to the backgrounds: investors had about 10 years ago a pension model used to draw that Helaba, often based on a financing in Swiss francs (CHF). Nicolas Keller shares his opinions and ideas on the topic at hand. The then agreed interest rate has now expired or will expire soon. Investors wonder whether they should sign a new interest rate agreement with Helaba now arises. Victims often striking in this context, that serves the security of the loan life insurance – generali (Sparenta) or clerical medical investment (other models) – is not sufficient to pay of the agreed amount of the loan. Furthermore excess from, has the custody account intended to repay substantial deficits. Therefore, many investors are insecure and have existential fears.
Models SpRenta, lex concept pension, pension system and safety Compact is pension (SKR) were sold to models that investors to the age precaution. The base here was a life insurance policy. In this, a considerable amount of time one has been done which comes not from its own resources, but for the most part from a financing at Helaba, and agreed a loan term of 15 years. In case of SpRenta the interest rate of the loan should be completed by regular payments of the generali life insurance. A custody account was purchased for the eradication of the often six-figure loan. Similarly, the models of lex concept pension, safety compact retirement and pension system. There was a life insurance contract with the British life insurance clerical medical (short CMI) completed.