{"id":56092,"date":"2023-03-07T11:04:40","date_gmt":"2023-03-07T11:04:40","guid":{"rendered":"https:\/\/adamfayed.com\/?p=56092"},"modified":"2025-11-13T09:08:25","modified_gmt":"2025-11-13T09:08:25","slug":"propifi-bonds-review","status":"publish","type":"post","link":"https:\/\/adamfayed.com\/es\/review-articles\/propifi-bonds-review\/","title":{"rendered":"Revisi\u00f3n de Propifi Bonds"},"content":{"rendered":"

Propifi do not focus on UK-resident investors, so this review should be considered by people living outside the UK only.<\/p>\n\n\n\n

If you have been proposed Propifi Bonds and want a second opinion, you can email me (advice@adamfayed.com) or p\u00f3ngase en contacto conmigo aqu\u00ed.<\/a><\/p>\n\n\n\n

A veces podemos ofrecerle descuentos, y otras ventajas, si desea invertir en \u00e9l, en comparaci\u00f3n con muchos otros proveedores, o presentarle alternativas que podr\u00edan ser mejores para su situaci\u00f3n.<\/p>\n\n\n\n

La informaci\u00f3n contenida en este art\u00edculo es meramente orientativa. No constituye asesoramiento financiero, jur\u00eddico o fiscal, ni una recomendaci\u00f3n o solicitud de inversi\u00f3n. Algunos hechos pueden haber cambiado desde el momento de su redacci\u00f3n.<\/p>\n\n\n\n

First, who are Propifi and what does the bonds offer?<\/strong><\/h2>\n\n\n\n

The bonds are debt instruments (loan notes) linked to UK property, and come with an investment minimum of 100,000GBP. It is also possible to invest in Euros or USD.<\/p>\n\n\n\n

The interest rate on offer is 8.1% per annum, with a typical tenure of 2-5 years.<\/p>\n\n\n\n

Interest is paid quarterly, although the first interest payment is paid after six months.<\/p>\n\n\n\n

It is listed on the Boerse Frankfurt Stock Exchange.<\/p>\n\n\n\n

Most of the people buying this instrument aren\u2019t coming from the UK, but instead are expats vivir en el extranjero<\/a>.<\/p>\n\n\n\n

What about the security and risks?<\/strong><\/h2>\n\n\n\n

Propifi issue bridging loans to UK property developers who typically lend to UK affordable housing projects.<\/p>\n\n\n\n

As such, there is the legal first charging structure in place, which means that if the business goes bust, the bondholders can get some money back if the properties are sold.<\/p>\n\n\n\n

The bonds are asset-backed against property and has been A-rated by Euro rating. You can see their report aqu\u00ed<\/a>.<\/p>\n\n\n\n

These security features do not mean that Propifi will automatically repay the 8.1% per year, but offer some checks and balances to reduce the risks.<\/p>\n\n\n\n

They should be considered an investment for sophisticated and high-net-worth investors, rather than for the average retail client.<\/p>\n\n\n\n

Speaking of which, they accept three kinds of investors:<\/p>\n\n\n\n

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  1. Certified Sophisticated Investor
    You have invested in more than one unlisted company, been a director of a company with an annual turnover of at least \u00a31 million, or worked in private equity in the last two years, or you have been a member of a business angels network for at least the last six months.<\/li>\n\n\n\n
  2. Self Certified Sophisticated Investor
    A self-certified sophisticated investor is a member of a network or syndicate of business angels and have been so for at least the last six months prior; has made more than one investment in an unlisted company, in the last two years prior; is working, or have worked in the two years prior, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises; is currently, or have been in the two years prior, a director of a company with an annual turnover of at least \u00a31 million.<\/li>\n\n\n\n
  3. High Net Worth Investor
    You earn more than \u00a3100,000 per year or hold net assets of at least \u00a3250,000<\/li>\n<\/ol>\n\n\n\n

    <\/p>\n\n\n\n

    What are the positives associated with this investment?<\/strong><\/h2>\n\n\n\n

    Los principales aspectos positivos son:<\/p>\n\n\n\n