{"id":19130385,"date":"2025-10-28T10:05:00","date_gmt":"2025-10-28T09:05:00","guid":{"rendered":"https:\/\/www.fma.gv.at\/?p=19130385"},"modified":"2025-10-29T10:36:22","modified_gmt":"2025-10-29T09:36:22","slug":"fma-informs-about-the-risks-related-to-qualified-subordinated-loans","status":"publish","type":"post","link":"https:\/\/www.fma.gv.at\/en\/fma-informs-about-the-risks-related-to-qualified-subordinated-loans\/","title":{"rendered":"FMA informs about the risks related to qualified subordinated loans"},"content":{"rendered":"<?xml encoding=\"utf-8\" ?><p class=\"wp-block-paragraph\">The latest edition of the Austrian Financial Market Authority&rsquo;s (FMA) information series &ldquo;Let&rsquo;s talk about money&rdquo; addresses qualified subordinated loans &ndash; a risky form of financing that is frequently used for real estate or commercial projects.<\/p><p class=\"wp-block-paragraph\">Investors lend a company money mostly use qualified subordinated loans for real estate or commercial projects. If a company becomes insolvent, such loans are only serviced once all other creditors have been satisfied: there is no recourse to a deposit guarantee scheme or a guaranteed repayment. Often, there is no money left to repay subordinate creditors. Additionally, repayment may be postponed, if the company falls into financial difficulties. A total loss is possible. Investors have no right to a say or participation in profits.<\/p><p class=\"wp-block-paragraph\">High interest rates are supposed to offset the risk. The FMA however warns: <strong>Promised high rates of interest without a plausible business model are a tell-tale warning sign. <\/strong>Only invest with providers that are transparent, and only invest money that you can afford to lose.<\/p><p class=\"wp-block-paragraph\">The FMA recommends that you check the subordination clause in the contract particularly diligently. It states that interest payments and repayments shall only be permitted if the company is in a financially sound position, and where no risks emerge from the payment. The clause must be formulated in a transparent and legally effective way &ndash; otherwise it may be ineffective.<\/p><h2 class=\"wp-block-heading\">Summary<\/h2><p class=\"wp-block-paragraph\">Qualified subordinated loans as not a safe form of investment, but are high risk investments with a risk of a total loss. The FMA advises investors to inform themselves fully and to obtain independent advice where they are uncertain.<\/p><p class=\"wp-block-paragraph\">The latest edition of &ldquo;Let&rsquo;s talk about money&rdquo; entitled &ldquo;Get to the back of the queue!&rdquo; as well as all previous editions are available for download online at <a href=\"https:\/\/redenwiruebergeld.fma.gv.at\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/redenwiruebergeld.fma.gv.at\/en<\/a>. Further information about financial topics can be found in the &ldquo;A-Z of Finance&rdquo; section of the FMA&rsquo;s website.<\/p><p class=\"wp-block-paragraph\">Follow &ldquo;Reden wir &uuml;ber Geld&rdquo; on Instagram too at <a href=\"https:\/\/www.instagram.com\/redenwiruebergeld\/\" target=\"_blank\" rel=\"noopener\" class=\"external\">@redenwiruebergeld<\/a>. The <a href=\"https:\/\/reden-wir-ueber-geld.podigee.io\/\" target=\"_blank\" rel=\"noopener\" class=\"external\">&ldquo;Reden wir &uuml;ber Geld&rdquo; podcast<\/a> can be found on all podcast providers.<\/p><h2 class=\"wp-block-heading\">Journalists may address further enquiries to<\/h2><p class=\"wp-block-paragraph\">Boris Gr&ouml;ndahl (FMA Media Spokesperson)<\/p><p class=\"wp-block-paragraph\">Telephone: <a href=\"tel:00431249596010\" target=\"_blank\" rel=\"noopener\" class=\"external\">+43\/(1)249\/59-6010<\/a><\/p><p class=\"wp-block-paragraph\">Mobile: <a href=\"tel:004367688249995\" target=\"_blank\" rel=\"noopener\" class=\"external\">+43 676 8824 9995<\/a><\/p><p class=\"wp-block-paragraph\">E-Mail: <a href=\"mailto:boris.groendahl@fma.gv.at\" target=\"_blank\" rel=\"noreferrer noopener\">boris.groendahl@fma.gv.at<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The FMA explains how to recognise and avoid the risks related to subordinated loans in the latest edition of &#8220;Let&#8217;s talk about money&#8221;.<\/p>\n","protected":false},"author":20,"featured_media":41620,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[80],"tags":[],"class_list":["post-19130385","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-release"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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