- Revocation: the contract can be revoked at any time within 14 days without giving reasons by means of a clear declaration
- Cancellation: can be cancelled on both sides at any time
- Term: permanent
- Repayment any time
- Lender: flatex Bank AG
- Loan amount: max. EUR 100.000
- Loan amount: The calculation is based on the lendable portfolio of securities of the customer custody account
- Target interest rate: 4.90% p.a. (to the respective amount claimed) 
- Costs: There are no additional costs for you
- Interest rate calculation: quarterly
- Example: With a flex loan of EUR 5,000.00 and the fixed borrowing rate (= effective annual interest) of currently
4.9% p.a. you are only paying interest of EUR 61.25 after three months of use. This results in a negative account balance of EUR 5,061.25.
- Security Lien as stated in the General Terms of Business of flatex Bank AG
With our flatex flex loan, you can quickly and easily expand your financial flexibility. Just like that, you get extra capital to trade at the attractive interest rate of just 4.90% p.a. Or you fulfil a long-cherished wish, such as a new interior design or replacing your existing loan.
You will now find out in your inbox of the web branch how high your personal flatex flex loan is.
1. Strict standards of performance and economic conditions of the borrower.
Generally, the bank must, on the basis of the information available to it before the issuance of loans, examine whether, in the interest of the customer, the borrower incurs significant restrictions on his economic freedom of movement. Possible losses in securities transactions should be covered by the borrower through free liquidity.
2. Risks associated with the use of credit
2.1.Price stability or expiration, payment of loan interest and loan repayment from free liquidity or, if applicable, sale of securities at a loss.
The use of credit entails the payment of interest on the loan, expenses and, ultimately, the repayment of the loan. You can only generate these fixed costs from your securities investment if share prices and income distributions develop particularly favourably. Securities, including standard stocks, are subject to price fluctuations in both directions. A fall in prices may occur due to general market conditions such as stock market crash, but also due to special circumstances in the individual investment.
The credit costs can then no longer be generated from the investment, but must be provided from free liquidity funds. Please also note that the investment may then have to be sold at a loss. Likewise, we point out that in the case of non-sale (perseverance) price increases and income credits must develop disproportionately large, so you can recover the loan repayment plus interest and transaction costs.
2.2. Possible interest rate increases
The amount of the loan interest can be found in the price and service list.
Rising lending rates and consistent or decreasing security prices as well as consistent or diminishing income distributions will result in a reduction in substance with the potential effects described above.
3. Risks with same-day transactions ("day-trading")
Developments on the international capital markets have not only led to new product offerings. Modern technologies have also partially changed the way securities are traded. This makes it possible to buy and sell the same security, money market instrument or derivative on the same day. This is also known as day trading. The intent is to achieve capital gains or limit price risks by exploiting even small and short-term price fluctuations of a single value. If you engage in such business, you should be aware of the specific risks. If you finance your day trading business not only with your own equity, but also with loans taken out, then note that the obligation to repay these loans, even in the case of day trading, is independent of the success of your day trading business.