Your investments on Fagura.com during the winter holidays will be actively rewarded! For your net invested amount, ranging from a minimum of €1 000 (one thousand) to a maximum of €100 000 (one hundred thousand), you get a 1% bonus at the end of the campaign. This bonus is in addition to the interest you earn from your actual investments.
This campaign is run by Fagura and is aimed at investors on the Fagura.com platform, seeking a reward for their contribution to financing the listed loans.
1. Campaign Period
The campaign runs from November 17, 2025 (00:00 EET) to January 16, 2026 (23:59 EET).
2. Eligible Participants
- Both current and new investors (individuals or legal entities) who have an active investor account on Fagura.com and have completed the KYC (Know Your Customer) verification process can participate.
- Participants must make a Total Net Investment (calculated using the specific formula below) between €1 000 and €100 000 in the listed loans.
- Eligible investments include Manual Invest, Auto-Invest, and Secondary Market.
3. Participation Conditions
- The campaign is held online and your country of residence does not affect your participation.
- Net Investment: The bonus calculation will be strictly based on the Net Investment Value in EURO, determined by the following formula:
Net Investment = MIN (Amount Top-upped to the account, Amount Invested) – Amount Withdrawn during the campaign period. - The Net Investment must be at least €1 000 and not exceed €100 000.
- Fagura associates and employees (Fagura OU, OCN Fagura Marketplace SRL, Fagura Finance SRL, and FaguraLab SRL), as well as their first-degree relatives, are not eligible to participate.
4. Prize Offered
1% Bonus
- Any eligible investor on Fagura.com who achieves a cumulative Net Investment between €1,000 and €100,000 will receive a 1% bonus on the net invested amount at the end of the campaign.
- The bonus will be credited to the investor’s Fagura.com account within 15 working days after the campaign ends.
Bonus Calculation Example (1%)
Formula: Net Investment = MIN (Amount Funded, Amount Invested) – Amount Withdrawn
Exemple 1 – Investor invests more than they fund (reinvestments from repayments):
- Amount Funded: €10 000
- Total Investments: €12 000 (includes repayments and reinvestments)
- Withdrawals: €0
- Net Investment = MIN(10.000, 12.000) – 0 = 10 000 €
- Bonus = 10 000 × 1% = 100 €
Example 2 – Investor does not invest the entire funded amount
- Amount Funded: €10 000
- Total Amount Invested: €8 000
- Withdrawals: €0
- Net Investment = MIN(10.000, 8.000) – 0 = 8 000€
- Bonus = 8 000 × 1% = 80€
Example 3 – Investor withdraws more than they invested
- Amount Funded: €10 000
- Total Amount Invested: €10 000
- Withdrawals: €11 000
- Net Investment = (10 000, 10 000) – 11 000 = –1 000 → 0 €
- Bonus = 0 × 1% = 0 €
Scenario 4 – Investor exceeds the maximum ceiling of €100,000
- Amount Funded: €150 000
- Total Amount Invested: €160 000
- Withdrawals: €0
- Net Investment = MIN (150 000€, 160 000€) – 0€
- Net Investment = 150 000€
- However, according to the Rules, the maximum eligible amount for the bonus is €100 000.
- Therefore:Bonus Calculation: (100 000€ × 1%) = 1 000€
Net Bonus Calculation (After Tax)
The calculated bonus is a Gross Bonus. Local tax will be deducted before payment.
- Gross Bonus: €100
- Tax Withheld (e.g., 12%): €100 × 12% = €12
- Net Bonus Paid: €100 − €12 = €88
5. Other Provisions
- This campaign cannot be combined with other active campaigns on Fagura.com (e.g., the tax coverage campaign for the first 50 Fagura Prime portfolios).
- If an investor is also active on Fagura.ro, they can benefit from the specific campaigns on each platform independently. Tax will be withheld at the source according to the legislation for promotional campaign income.
- The bonus amount calculated in Section 4 is a gross amount. Fagura reserves the right, as the income payer, to withhold at the source any required income tax and/or mandatory contributions according to the applicable tax laws, before crediting the net amount to the investor’s account. The amount actually credited will be the net value, after all tax deductions.
- All costs (e.g., income tax) related to this income are the responsibility of the winner (individual or legal entity).
