The “Diamant” loan is a tailor-made solution with a fixed or variable rate for investors and the answer for international clients.

This product’s innovation is combining two phases : an interest only phase followed by a repayment phase, each flexible in the choice of duration.

The client may decide to place his/her personal cash contribution (when required) on a side-investment savings plan thereby benefiting from tax advantages. If the client wishes, at the end of the 1st period, the option to pre-pay without penalty all or part of the loan is available by using the sums invested on the savings plan.

• Estate diversification : investing in property while capitalising on the investment product.
  
• Managing assets based on market opportunities by choosing to amortise the loan or to capitalise on the investment product.

The first period of 5 to 20 years :

• The client only pays the interest which is deductible from the rental income (when applicable).
  
• The monthly payments are lower and the rents received may cover the majority, if not the entire amount of the instalments.
  
• If the client chooses the variable option, the rate is capped ensuring at the outset the client is aware of the maximum monthly payment anticipated thus enabling the maintenance of a stable cash flow.
  
• Switch to a classic repayment loan at anytime.

The second period of 5 to 20 years :

• The client amortizes the loan on a term he/she chooses.
  
• A ceiling is set on the monthly payment and the term is capped (when choosing the secured variable rate option).

Options :

• Deferral period for up to 24 months.
  
• Adjust the payments.
  
• Postpone the payments due to a rental vacancy.
  
• Changeover to a fixed rate.
  
• Transfer the loan to a new acquisition.
  
• Transmit the loan to a new buyer.