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Wealth Management – Here’s what you need to know if you are going to make an investment in freeholds on the Costa Blanca

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Libranzas investment– an elite decision

Within the universe of non-financial investments, there is the purchase and sale option of promissory notes. This method consists of the acquisition of a security, which enters our investment portfolio as an asset. In this article, we will talk about the characteristics of guarantees and everything you need to know before deciding to invest in them.

What is it?

The  promissory notes consists of a direct discount plan from the salary of the person who has requested it. It is a free investment credit in which three actors become involved:

  • The bank
  • The company
  • The employee

The document requested by the bank is called “libranza” in order to verify that the natural person, in this case the employee of the company that will carry out the corresponding discounts, authorizes the company to make such discounts directly from their salary.

For the purposes of formalizing the draft, the following information must be stipulated in writing:

  • the sum of money to discount in each instance
  • How often will the discounts be made (fortnightly or monthly)
  • The time during which the discounts will be carried out

A very interesting fact for investors who wish to get started in the way of the libranzas, is that these are a commitment whose possibility of being revoked is null and void. Therefore, once the natural person signs it, the commitment is legally sealed, so this type of investment has an important solidity in terms of stability and security. In other words, it is an option with high eligibility qualities for the conservative investor.

A fact of great interest for investors who want to start on this kind of investment, is that these are a commitment whose possibility of being revoked is nil. Therefore, once the natural person signs it, the commitment is legally sealed, so this type of investment has significant solidity in terms of stability and security. In other words, it is an option with high eligibility qualities for the conservative investor.

Terminology used

In order to understand more deeply the world of investments in warrants, it is very convenient to know the terminology used to describe the different components that make it up. So we detail them below:

  • Messenger: this is the beneficiary, that is, the employee (or employee) of a company, who makes a purchase and authorizes the company to deduct the money from his salary.
  • Financial entity: consists of the payroll operator, which authorizes and grants the credit to the courier so that he can carry out the purchase he wishes.
  • Paying entity: it is the company in which the courier works, which becomes responsible and in charge of deducting the amount agreed for the fees from the worker in question.
  • Promissory note: it is the title of value signed by the courier, in which he authorizes the discount of the agreed installments.

It is important to emphasize that the financial entity will have the possibility of setting the interest rate it deems appropriate, as long as it is within the framework authorized by law.

Why do operating entities sell their libranzas?

At this point, it is possible that curiosity has led you to wonder what leads the entities that authorize drafts to later sell them. The answer lies in the limit of drafts that, due to their capital, they can grant.

Given that under no circumstances could they allow themselves to authorize more drafts than they can support with their capital, they offer people who have excess liquidity the possibility of acquiring these drafts, in order to be able to provide more drafts again, which which represents for these entities two considerable advantages:

  • Get cash immediately
  • Feed your reputation

With regard to the latter, we must take into account that being obliged to deny a draft for having exceeded the quota to be granted does not feed the reliability that these entities must project to their potential clients. Therefore, the sale of their drafts helps them to continue climbing positions in a competitive market…

How to ensure a safe and profitable investment

Before making the corresponding disbursement, it is essential to have the advice of a team of professionals in the investment area. And it is in this instance that our services acquire a crucial aspect in the initial stages of the investor.

It is possible that the libranza that you intend to buy has been acquired by a marketer, which consists of a wholesale company that is dedicated to acquiring them from the portfolios of the operating entities that authorized them. In such a case, it is necessary to carry out a study in order to investigate whether the law and current regulations have been complied with, since the security of the investment depends on it.

Why hire our services before defining yourself by investing in drafts? For the reasons that we detail below:

Projection: we analyze the investment profile and provide you with a detailed and personalized report with the real possibilities of the investment you have chosen.

Commitment: your success is the reason for our existence as a company. Therefore, we will ensure that you achieve it more than you would yourself.

Protection: as an investor, whether as a natural person or as a company, you have rights that we will take care of protecting.

We are here to magnify the potential of your capital. Contact us so that together we can implement an investment strategy that takes what you have known as profit until now, to the next level.

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