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What is the difference between a personal and an organisational account?
Here are the key differences between personal and organizational accounts:
Personal Account:
- Tax rate on earned interest: 28%
- Capital invested limits:
- If your annual income is below €70,000, you can invest up to €3,000 per project, with the total capital from investments in the past 12 months not exceeding €10,000.
- If your annual income exceeds €70,000, you can invest up to €24,999 per project, with no limit on the total investment amount.
- Required documents: Identification Document, Passport, or Driver’s License.
Organizational Account:
- Tax rate on earned interest: 25%
- Capital invested limits: No limits on capital invested.
- Required documents: Shareholder declaration, Legal Representative ID document, Articles of Association, and Proof of Registration.
Most Frequently Asked:
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GOPARITY (www.goparity.com) is a platform of crowdfunding by loans (crowdlending) managed and owned by Power Parity, SA, a public limited company, with number 514373822, and registered office at Travessa de São Pedro, nº 8, 1200 Lisboa (Portugal), licensed by the regulator and supervisor CMVM (Portuguese Securities Market Commission), under Regulation (EU) 2020/1503 (European Crowdfunding Regulation).
The payment services available through the platform are provided by MangoPay SA, a registered electronic money institution based in Luxembourg and supervised by the CSFF (Commission de Surveillance du Secteur Financier), registered with Banco Portugal (the Portuguese regulator) under no. 7830.
Investments in crowdlending carry a risk of partial or total loss of the funds invested. The return on your investment depends on the project's success developed through the campaign in which you invest. Your investment is not covered by the deposit guarantee schemes established by Directive 2014/49/EU nor by the investor compensation schemes established by Directive 97/9/EU. Please consider all risks before investing and carefully read the Key Investment Information Sheet (KIIS) provided to you before investing.