One of the most commonly used mechanisms of the Secondary Market is selling at a discount. This means transferring an investment for a price lower than the remaining principal, which speeds up the sale and allows the seller to quickly access funds. Although the seller accepts a lower return, the buyer gains the potential for higher profit.
On Fagura, minimum discounts apply depending on the delay status of the loan:
📌 Delays between 4–30 days → minimum discount of 10%
📌 Delays between 30–60 days → minimum discount of 25%
📌 Delays over 60 days → minimum discount of 50%
📌 Loan in forced collection → minimum discount of 75%
It’s important to mention that when selling at a discount, the seller’s portfolio value decreases immediately by the transferred amount, while the buyer benefits from an immediate positive adjustment in their portfolio.