{"id":2069,"date":"2024-12-09T09:00:37","date_gmt":"2024-12-09T09:00:37","guid":{"rendered":"https:\/\/lombardos.es\/questions-and-answers\/"},"modified":"2026-09-08T10:26:23","modified_gmt":"2026-09-08T10:26:23","slug":"questions-and-answers","status":"publish","type":"page","link":"https:\/\/lombardos.es\/en\/questions-and-answers\/","title":{"rendered":"Questions and Answers"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_0db20381 introInicio height_auto with_img\"><div class=\"l-section-img\" role=\"img\" data-img-width=\"1500\" data-img-height=\"569\" style=\"background-image: url(https:\/\/lombardos.es\/wp-content\/uploads\/2025\/07\/preguntas-respuestas.avif);background-repeat: no-repeat;\"><\/div><div class=\"l-section-overlay\" style=\"background:rgba(255,255,255,0.8)\"><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_1 mobiles-cols_1 valign_top type_boxes stacking_default\" style=\"--columns-gap:30px;\"><div class=\"wpb_column vc_column_container stretched\"><div class=\"vc_column-inner\"><div class=\"w-vwrapper align_none valign_top\"><h1 class=\"w-text us_custom_eb849559\"><span class=\"w-text-h\"><span class=\"w-text-value\">Frequently asked questions about Lombard loans<\/span><\/span><\/h1><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\" id=\"intro\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default reversed stacking_default\" style=\"--columns-gap:2vw;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840\"><div class=\"wpb_wrapper\"><h2 class=\"wp-block-heading\">How <span style=\"color: #15a115\">we help you<\/span><\/h2>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p class=\"has-medium-font-size\">Lombard Credit helps you calculate how much financing we could get you with your assets. Get the most out of your savings. It&#8217;s easy, you get twice as much out of your assets:  <\/p>\n<ol class=\"wp-block-list\">\n<li>You do NOT sell your assets and they continue to generate.<\/li>\n<li>You use them as collateral leaving other assets free.<\/li>\n<li>In addition, by not mortgaging you save the stamp tax.<\/li>\n<\/ol>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-image has_ratio align_none\"><div class=\"w-image-h\"><div style=\"padding-bottom:75%\"><\/div><img decoding=\"async\" width=\"600\" height=\"600\" data-src=\"https:\/\/lombardos.es\/wp-content\/uploads\/2023\/10\/equipo-de-la-oficina-tarmitando-prestamos-de-alto-importe-con-garantia-de-acciones.jpg\" class=\"attachment-large size-large lazyload\" alt=\"Oficina de prestamos lombardos en Espa\u00f1a\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 600px; --smush-placeholder-aspect-ratio: 600\/600;\" \/><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-image has_ratio align_none\"><div class=\"w-image-h\"><div style=\"padding-bottom:100%\"><\/div><img decoding=\"async\" width=\"668\" height=\"667\" src=\"https:\/\/lombardos.es\/wp-content\/uploads\/2025\/07\/calculadora-creditos.avif\" class=\"attachment-large size-large not-transparent\" alt=\"calculadora de cr\u00e9ditos lombardos\" loading=\"lazy\" data-has-transparency=\"false\" data-dominant-color=\"6e768c\" style=\"--dominant-color: #6e768c;\" \/><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2><strong>Lombard Loan <\/strong><strong><span style=\"color: #15a115\"> Lombard Loans<\/span><\/strong><\/h2>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-html\"><script>\n\/\/ Funci\u00f3n que calcula el importe del pr\u00e9stamo\nfunction calcular() {\n  \/\/ Obtener los valores de los campos\n  var importe = document.getElementById(\"importe\").value;\n  var tipo = document.getElementById(\"tipo\").value;\n  var porcentaje = document.getElementById(\"porcentaje\").value;\n  \/\/ Validar que el importe sea un n\u00famero positivo\n  if (isNaN(importe) || importe <= 0) {\n    alert(\"El importe de los activos debe ser un n\u00famero positivo\");\n    return;\n  }\n  \/\/ Calcular el importe del pr\u00e9stamo\n  var prestamo = importe * porcentaje \/ 100;\n  \/\/ Mostrar el resultado en el campo correspondiente\n  document.getElementById(\"prestamo\").value = prestamo.toFixed(2);\n  \/\/ Llamar a la funci\u00f3n que calcula el ahorro\n  ahorrar();\n}\n\/\/ Funci\u00f3n que actualiza el porcentaje de financiaci\u00f3n seg\u00fan el tipo de activo\nfunction actualizar() {\n  \/\/ Obtener el valor del tipo de activo\n  var tipo = document.getElementById(\"tipo\").value;\n  \/\/ Asignar el porcentaje de financiaci\u00f3n correspondiente\n  if (tipo == \"acciones\") {\n    document.getElementById(\"porcentaje\").value = 65;\n  } else if (tipo == \"fondos\") {\n    document.getElementById(\"porcentaje\").value = 75;\n  }\n  \/\/ Llamar a la funci\u00f3n que calcula el importe del pr\u00e9stamo\n  calcular();\n}\n\/\/ Funci\u00f3n que calcula el ahorro de actos jur\u00eddicos documentados\nfunction ahorrar() {\n  \/\/ Obtener el valor del importe del pr\u00e9stamo\n  var prestamo = document.getElementById(\"prestamo\").value;\n  \/\/ Calcular el ahorro como el 0,75% del importe del pr\u00e9stamo\n  var ahorro = prestamo * 0.0075;\n  \/\/ Mostrar el resultado en el campo correspondiente\n  document.getElementById(\"ahorro\").value = ahorro.toFixed(2);\n}\n<\/script>\n\n\n<form>\n  <p>\n    <label for=\"importe\" style=\"font-size: 18px; font-weight: bold;\">Amount of assets:<\/label>\n    <input type=\"number\" id=\"importe\" name=\"importe\" min=\"0\" step=\"0.01\" onchange=\"calcular()\" style=\"font-size: 18px; font-weight: bold;\">\n  <\/p>\n  <p>\n    <label for=\"tipo\" style=\"font-size: 18px; font-weight: bold;\">Type of asset:<\/label>\n    <select id=\"tipo\" name=\"tipo\" onchange=\"actualizar()\" style=\"font-size: 18px; font-weight: bold;\">\n      <option value=\"acciones\">Equities<\/option>\n      <option value=\"fondos\">Investment funds<\/option>\n    <\/select> \n  <\/p>\n  <p hidden=\"\">\n    <label for=\"porcentaje\" style=\"font-size: 18px; font-weight: bold;\">Percentage of funding:<\/label>\n    <input type=\"number\" id=\"porcentaje\" name=\"porcentaje\" value=\"65\" readonly style=\"font-size: 18px; font-weight: bold;\">\n  <\/p>\n  <p>\n    <label for=\"prestamo\" style=\"font-size: 18px; font-weight: bold;\">Loan amount:<\/label>\n    <input type=\"number\" id=\"prestamo\" name=\"prestamo\" value=\"0\" readonly style=\"font-size: 18px; font-weight: bold; color: green;\">\n  <\/p>\n  <p>\n    <label for=\"ahorro\" style=\"font-size: 18px; font-weight: bold;\">Savings on documented legal acts:<\/label>\n    <input type=\"number\" id=\"ahorro\" name=\"ahorro\" value=\"0\" readonly style=\"font-size: 18px; font-weight: bold; color: green;\">\n  <\/p>\n<\/form>\n<p style=\"font-size: 12px;\">* Amounts in Euros. The calculation is only an approximation. The maximum amount of financing and the interest rate may be different for each client depending on their particular situation.  <\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\"><div class=\"l-section-overlay\" style=\"background:#fafafa\"><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_1 mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:30px;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"g-cols wpb_row via_grid cols_1-4-1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 style=\"text-align: center\">You have the questions.  <span style=\"color: #15a115\">We provide the answers.<\/span><\/h2>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p class=\"has-medium-font-size\" style=\"text-align: center\"><strong>What is a Lombard loan?<\/strong>  A Lombard loan is a loan obtained using financial assets, such as shares or investment funds, as collateral. In this way, liquidity can be accessed without having to sell or divest the assets, taking advantage of the <strong><a href=\"https:\/\/www.estrategiasdeinversion.com\/herramientas\/diccionario\/analisis-fundamental\/apalancamiento-financiero-t-16\" target=\"_blank\" rel=\"noopener\">leverage effect<\/a><a class=\"broken_link\" href=\"https:\/\/www.andbank.es\/observatoriodelinversor\/efecto-apalancamiento\/#:~:text=El%20efecto%20apalancamiento%20se%20produce,o%20de%20venta%20de%20activos.\">.<\/a><\/strong> <\/p>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3 style=\"text-align: center\"><strong>Advantages of a Lombardo loan<\/strong><\/h3>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><\/div><\/div><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-iconbox iconpos_left style_default color_primary align_left\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"far fa-check\"><\/i><\/div><div class=\"w-iconbox-meta\"><h4 class=\"w-iconbox-title\" style=\"font-size:1.4rem;\">Ownership of the asset is maintained<\/h4><div class=\"w-iconbox-text\"><p class=\"has-nv-dark-bg-color has-text-color\">It allows ownership and benefits from financial assets, such as dividends or capital gains, to be retained.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-iconbox iconpos_left style_default color_primary align_left\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"far fa-check\"><\/i><\/div><div class=\"w-iconbox-meta\"><h4 class=\"w-iconbox-title\" style=\"font-size:1.4rem;\">Low interest rate<\/h4><div class=\"w-iconbox-text\"><p class=\"has-text-align-center has-neve-text-color-color has-text-color\">It has a lower interest rate than other financing options, as the risk to the lender is lower due to solid collateral.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-iconbox iconpos_left style_default color_primary align_left\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"far fa-check\"><\/i><\/div><div class=\"w-iconbox-meta\"><h4 class=\"w-iconbox-title\" style=\"font-size:1.4rem;\">Flexibility<\/h4><div class=\"w-iconbox-text\"><p class=\"has-nv-dark-bg-color has-text-color\">It has a higher degree of flexibility, since the term, amount and conditions of the loan can be adapted according to the client&#8217;s needs.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-iconbox iconpos_left style_default color_primary align_left\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"far fa-check\"><\/i><\/div><div class=\"w-iconbox-meta\"><h4 class=\"w-iconbox-title\" style=\"font-size:1.4rem;\">Lower fiscal impact<\/h4><div class=\"w-iconbox-text\"><p class=\"has-text-align-center has-neve-text-color-color has-text-color\">It has a lower tax impact, since the interest on the loan is deductible and no capital gain or loss is generated on the sale of the assets.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\" id=\"intro\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:2vw;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"wp-block-heading\" style=\"text-align: left\">What are the risks of a <span style=\"color: #15a115\">Lombard loan?<\/span><\/h2>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Fall in the value of assets<\/strong><\/p>\n<p>If the value of financial assets falls below a certain level, the lender may require the customer to provide more collateral or to amortize part of the loan, which may involve an additional disbursement.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Failure to pay installments<\/strong><\/p>\n<p>If the customer defaults on loan installments, the lender may foreclose on the collateral and sell the financial assets to recover the borrowed money, which may result in a loss of principal for the customer.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-separator size_small\"><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\" id=\"intro\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:2vw;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"wp-block-heading\" style=\"text-align: left\">What are the requirements to apply for a <span style=\"color: #15a115\">Lombard loan?<\/span><\/h2>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>1. <\/strong>Be of legal age and have legal capacity to contract.<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>2. <\/strong>Prove the ownership and origin of the financial assets, as well as the client&#8217;s tax and equity situation.<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>3.<\/strong> Have sufficient and adequate financial assets to offer as collateral. These assets must be deposited in an authorized financial institution and be susceptible to valuation and liquidation.<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>4.<\/strong> Comply with the solvency and risk criteria established by the lender, as well as with the rules for the prevention of money laundering and the financing of terrorism.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-image has_ratio align_none\"><div class=\"w-image-h\"><div style=\"padding-bottom:75%\"><\/div><img decoding=\"async\" width=\"792\" height=\"666\" src=\"https:\/\/lombardos.es\/wp-content\/uploads\/2025\/07\/requisitos-creditos.avif\" class=\"attachment-large size-large not-transparent\" alt=\"requisitos pr\u00e9stamos lombardos\" loading=\"lazy\" data-has-transparency=\"false\" data-dominant-color=\"868778\" style=\"--dominant-color: #868778;\" \/><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\" id=\"intro\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:2vw;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"wp-block-heading\" style=\"text-align: left\"><strong>What type of <span style=\"color: #15a115\">financial assets<\/span> can be used as collateral?<\/strong><\/h2>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"g-cols wpb_row via_grid cols_3 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_8003ecb3 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Shares<\/strong><\/p>\n<p>Shares of companies listed on national or international stock exchanges<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_8003ecb3 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Funds<\/strong><\/p>\n<p>Equity, fixed income, mixed or guaranteed, indexed investment funds, provided they are marketed by authorized financial institutions.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_8003ecb3 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Other Assets<\/strong><\/p>\n<p>Other financial assets that the lender accepts, such as bonds, debentures, bills, promissory notes, certificates of deposit, etc.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\" id=\"intro\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:2vw;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"wp-block-heading\" style=\"text-align: left\"><strong>What are the taxes on<\/strong> a <span style=\"color: #15a115\">Lombard loan?<\/span><\/h2>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>The taxation of a Lombard loan depends on the legislation in force at any given time and in any given territory, as well as on the customer&#8217;s tax and asset situation. In general, the following aspects can be taken into account:<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Tax rate between 0.5% and 1.5%.<\/strong><\/p>\n<p>The loan is <strong>NOT <\/strong>subject to the Tax on Property Transfer and Documented Legal Acts (ITPAJD), which is paid when formalizing the operation as in the case of the hypothecary loans. The tax rate varies according to the autonomous community, but it is usually between 0.5% and 1.5% on the amount of the loan.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Other tax considerations<\/strong><\/p>\n<p>The sale or transfer of the financial assets as collateral does not generate a capital gain or loss for personal income tax or corporate income tax purposes, since the ownership or value of the assets is not altered. However, if the lender executes the guarantee and sells the assets to recover the money lent, a capital gain or loss is generated, which is calculated by the difference between the acquisition value and the transfer value of the assets.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Interest deductible in Personal Income Tax (IRPF)<\/strong><\/p>\n<p>Loan interest is deductible in Personal Income Tax (IRPF) or Corporate Income Tax (IS), as the case may be, provided that the loan is used for an economic activity or investment.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\" id=\"intro\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:2vw;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"wp-block-heading\" style=\"text-align: left\"><strong>What are the fees for<\/strong> a <span style=\"color: #15a115\">Lombard loan?<\/span><\/h2>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>The fees for a Lombard loan depend on the terms and conditions agreed between the client and the lender, as well as the costs associated with the transaction. We will advise you all along the way. In general, the following fees may be charged:<\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Origination fee<\/strong><\/p>\n<p>This is the percentage that is charged on the amount of the loan when the transaction is formalized. It is usually between 0.5% and 2%, depending on the lender.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Cancellation fee<\/strong><\/p>\n<p>This is the percentage charged for paying off the loan before maturity. It is usually between 0.5% and 2%.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Custody commission<\/strong><\/p>\n<p>This is the percentage charged for holding financial assets on deposit as collateral. It is usually between 0.1% and 0.5% per annum, this depends largely on the lender.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Brokerage commission<\/strong><\/p>\n<p>This is the percentage charged for managing the search and contracting of the loan with the lender. In the case of lombardos.es, this commission is free, since it is only charged to the lender and not to the client.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\" id=\"intro\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:2vw;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"wp-block-heading\" style=\"text-align: left\"><strong>What are the requirements to apply for a<\/strong> <span style=\"color: #15a115\">Lombard loan?<\/span><\/h2>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Age of majority<\/strong><\/p>\n<p>Be of legal age and have legal capacity to contract.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Assets available<\/strong><\/p>\n<p>Have sufficient and adequate financial assets to offer as collateral. These assets must be deposited in an authorized financial institution and be susceptible to valuation and liquidation.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Proof of ownership of assets<\/strong><\/p>\n<p>Proof of ownership and origin of financial assets, as well as the client&#8217;s tax and equity situation.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Solvency and risk criteria<\/strong><\/p>\n<p>Comply with the solvency and risk criteria established by the lender, as well as with the rules for the prevention of money laundering and the financing of terrorism.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\" id=\"intro\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:2vw;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"wp-block-heading\" style=\"text-align: left\"><strong>What types of financial assets can be used as collateral in a<\/strong> <span style=\"color: #15a115\">Lombard loan?<\/span><\/h2>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Shares<\/strong><\/p>\n<p>Shares of companies listed on national or international stock exchanges<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Investment funds<\/strong><\/p>\n<p>Equity, fixed income, mixed or guaranteed, indexed investment funds, provided they are marketed by authorized financial institutions.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"g-cols wpb_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_39592840 textoBordeIzq\"><div class=\"wpb_wrapper\"><p><strong>Other assets<\/strong><\/p>\n<p>Other financial assets accepted by the lender, such as bonds, debentures, bills, promissory notes, certificates of deposit, etc.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\" id=\"intro\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\" style=\"--columns-gap:2vw;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 class=\"wp-block-heading\" style=\"text-align: left\"><strong>Documentation, deadlines and other issues to consider for a <span style=\"color: #15a115\">Lombard loan<\/span><\/strong><\/h2>\n<\/div><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"g-cols wpb_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>What percentage of financing can be obtained with a Lombard loan?<\/strong>  The percentage of financing that can be obtained with a Lombard loan depends on the value, volatility and quality of the financial assets offered as collateral, as well as market and lender conditions. In general, a financing ratio ranging from 50% to 80% of the value of the assets is usually applied, although it may vary from case to case. <\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>Does Plazo have a Lombard loan?<\/strong>  The term of a Lombard loan can be tailored to the client&#8217;s needs, as long as it does not exceed the maximum term set by the lender. In general, terms ranging from 6 months to 10 years are usually offered, although they can be shorter or longer depending on the case. <\/p>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>What documentation is needed to apply for a Lombard loan?<\/strong>  The documentation required to apply for a Lombard loan depends on the lender&#8217;s requirements, as well as on the client&#8217;s profile and situation. In general, the following documents are usually requested: <\/p>\n<div class=\"wp-block-media-text__content\">\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">DNI or NIE of the applicant and of the guarantors, if any.<\/li>\n<li class=\"has-medium-font-size\">Certificate of title and valuation of the financial assets offered as collateral.<\/li>\n<li class=\"has-medium-font-size\">Bank statement of the last few months showing the movements and balance of the accounts of the applicant and the guarantors, if any.<\/li>\n<li class=\"has-medium-font-size\">Income tax return or corporate tax return for the last fiscal year, as the case may be.<\/li>\n<li class=\"has-medium-font-size\">Proof of income or economic activity of the applicant and guarantors, if any, such as pay slips, pensions, invoices, etc.<\/li>\n<li class=\"has-medium-font-size\">Other documents as deemed appropriate by the lender on a case-by-case basis.<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>What is the interest rate on a Lombard loan?<\/strong>  The interest rate on a Lombard loan is determined on the basis of the risk and profitability of the transaction, as well as market and lender conditions. In general, a variable interest rate is usually applied, which is reviewed periodically, although it can also be fixed or mixed depending on the case. <strong>The interest rate is usually lower <\/strong>than other financing options, as the lender has a solid guarantee. <\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"Frequently asked questions about Lombard loansHow we help you Lombard Credit helps you calculate how much financing we could get you with your assets. Get the most out of your savings. It&#8217;s easy, you get twice as much out of your assets: You do NOT sell your assets and they continue to generate. You use...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-2069","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Frequently Asked Questions about Lombard Loans | Lombardos<\/title>\n<meta name=\"description\" content=\"Solve your doubts with this guide to frequently asked questions about Lombard loans. 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