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What Assurance Do I Get?

We firmly believe in not only delivering maximum profits for our investment partners but also ensuring that their funds are safeguarded at every stage of the process.

We will assure 100% of your investment funds as well as the guaranteed profits offered.

Over the years we have established an impressive portfolio of properties, many of which are buildings we renovated and retained.

Investor capital is secured via a ‘lien’ or ‘mortgage’ issued against one of these physical property assets that are solely owned by Fifty Shades Developments.

Utilising property assets in this manner for securing loans is common practice in Poland. The rules for granting such mortgages as well as the legal rights of investors are fully protected under Polish law.

The ‘Land and Mortgages Registers’ Act of 1982 (which was amended in February 2011) covers the provision of a mortgage and how it is registered.

A mortgage is a legally binding document controlled by the district court having jurisdiction. The law dictates that any mortgage issued must be registered with the court and entered into a national electronic database.

The responsibility of issuing the mortgage documentation rests with a Public Notary who must check the ownership status, existing encumbrances as well as the official tax valuation of the property being used as collateral.

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The Polish ‘Code for Civil Procedure’ defines collection of mortgages and debts.

Polish law recognises three forms of special proceedings, which aim to enforce debt collection both efficiently as well as quickly, namely; Summons Proceedings, Summary Proceedings and Simplified Proceedings.

There are a number of international law firms operating in Poland who can assist. The legal costs, of circa a few thousand dollars, associated to the collection process must be paid by us as the borrower.

This might all sound complicated or even daunting, yet as the law states it is in reality designed to be extremely fast and easy for the lender.

A local lawyer acting on behalf of the lender can serve the required court documents, which will include a copy of the notarised mortgage, in a matter of hours.

The court will then automatically issue an ‘Enforcement Title’ which enables the mortgage beneficiary to either take ownership of the property or sell it at public auction.

This legal process is completed by the court without the owner who granted the mortgage even needing to be present during the proceedings.

If the lender elects to auction the property then this will be handled by the court on their behalf and is normally completed within a few weeks.

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