At BNP Paribas Wealth Management Luxembourg, we can help you to find the solution that best fits the structure of your assets, whatever your financing needs. We operate in a number of countries and we strive to combine the strength and stability of a leading financial player with the personalised approach of our experts.
Personalised loan solutions for your large-scale projects
Make the most of our recognised expertise in tailored financing solutions, adapted to your needs
We carry out a tailored analysis of your needs and expectations.
In order to best meet them, we endeavour to carefully review the various aspects of your project:
- Your objectives are our priority.
- We analyse your application and support you in structuring your project.
- We respect your planned investment horizon and any investment constraints.
This analysis is carried out with both your overall financial situation and the market context in mind.
Our financing solutions focused on a personalised analysis allow you to:
- Get strategic and proactive advice to suit your personal situation, as well as your priorities and constraints.
- Access an innovative custom offer.
- Enjoy more flexibility by making adjustments to your portfolio.
Discover our range of loans adapted to your needs and goals
At BNP Paribas Wealth Management Luxembourg, our financing solutions are perfectly aligned with your project and expectations.
Let us help you achieve your goals by choosing the right offering for you.
ENJOY FLEXIBILITY AND SECURITY WITH OUR LOMBARD LOAN RANGE
The financing products in our Lombard range offer you a great amount of flexibility in your investments (currency, rate type) and in the use of your loan (financing various projects and/or financial products), alongside monitoring of the changes in your financial portfolio.
This type of financing will suit you particularly well if you wish to invest without withdrawing from your existing investments.
Finance your projects with our Lombard Consumer loan range
Whatever the nature of your project, our range can be adapted to meet your needs:
- Capital contribution requirements
- Cash requirements (for asset-holding companies) to expand your business
- Renovation financing
- Acquisition of miscellaneous assets (real estate, art, etc.)
Our Lombard Consumer loans allow you to achieve your goals.
Improve your portfolio’s performance using leverage thanks to our Lombard Leverage loan range
Lombard Leverage financing allows you to acquire additional financial assets using your existing portfolio as leverage, when the expected return on the future investment will be higher than the cost of financing. Your existing financial assets and your planned investments (according to current BNP Paribas standards) are analysed to determine the amount of credit that can be granted to you.
The amount of the Lombard loan (depending on the solution chosen) depends on the financing value of your eligible assets. Assets considered as eligible collateral include in particular UCITS[1], equities, bonds and structured products. These assets may be linked to a life insurance or capitalisation contract, or may be held in a securities account.
A diversified equity portfolio generally enables you to obtain financing of up to 70% of its current market value, while a portfolio of investment grade bonds may entitle you to financing of up to 90% of its market value. These financing value ratios as applied to assets are given for information purposes only and may be subject to change.
ARE YOU LOOKING FOR FINANCING SOLUTIONS AS A HOLDER OF ILLIQUID ASSETS?
BENEFIT FROM A CUSTOMISED FINANCING SOLUTION WITHIN THE FRAMEWORK OF A DIVERSIFIED PORTFOLIO OF PRIVATE INVESTMENT FUNDS (subject to the eligibility of this portfolio)
This type of financing solution is suitable for investors who wish to reinvest or generate cash.
• Single stock financing
• Syndicated loan, or “club deal”: cash/risk sharing with other banks or group entities.
• Personalised structured financing solutions
Our structured loan solutions include syndicated loans with other banks, single stock financing, Private Investment-backed financing, and balance sheet lending. These solutions are tailored to the specific needs of our clients.
KEEP THE BALANCE OF YOUR FINANCES THANKS TO OUR MORTGAGE LOANS
As the owner of one or more properties, Mortgage Loans allow you to have immediate access to cash without giving up ownership of your property, by placing it as collateral. This type of loan is intended for owners wishing to:
- Start a new personal or professional project
- Obtain cash
- Develop their movable and real estate assets
OUR CREDIT SOLUTIONS ARE OFFERED IN MULTIPLE CURRENCIES
Manage your risk exposure, choosing the least volatile currency.
Get better coverage by adjusting your portfolio lines.
TAKE ADVANTAGE OF LUXEMBOURG’S INTERNATIONAL ENVIRONMENT TO STRUCTURE YOUR FINANCING IN AN OPTIMAL WAY
As an international bank operating in nearly 17 countries, we can support you with the financing of your projects in multiple jurisdictions, whether you are a Luxembourg resident or not.
As part of BGL BNP Paribas, we have the ability to mobilise the bank’s balance sheet to grant loans in excess of EUR 50 or EUR 100 million to wealthy families. By making our balance sheet available to our clients, we allow them to carry out leverage operations or invest directly in real estate and private assets. Our financial strength is a major asset in terms of financing capacity.
Loan solutions have many advantages. They are flexible with regard to:
· Term
· Collateral
· Repayment terms
· Choice of currencies (from a range of currencies)
Our team of experts will support you in designing a financing proposal that meets your needs. We can also assist you during appointments by explaining the financing solution and how it works. We support you throughout the duration of your loan.
[1] UCITS: Undertaking for Collective Investment in Transferable Securities — a portfolio whose invested funds are placed in transferable securities or other financial instruments.