Would you take a 10% 年次の return from 危険ing £1k on the 資本／首都's 住宅 market? The East London 所有物／資産／財産 小型の-社債 that has attracted £5.4m of savers' 基金s...

Savers fed up with 激しく揺する-底（に届く） 利益／興味 率s and 用意が出来ている to take a 危険 are 存在 tempted by a London 所有物／資産／財産 小型の-社債 that 申し込む／申し出s a hefty 10 per cent return a year for five years.

But those thinking about taking the punt might have to be quick: developer LMSL has already raised £5.4million from 投資家s and savers buying into its East London 所有物／資産／財産 小型の-社債 since 早期に September and has a 的 of £9million.

A 小型の-社債 is an IOU a company sells to an 投資家 in return for receiving 正規の／正選手 income over the 称する，呼ぶ／期間／用語 of the 貸付金 同様に as getting their money 支援する at the end. This means returns can be much higher than those on 伝統的な 貯金 accounts.

But the 支配するs for 会社／堅いs 申し込む／申し出ing 小型の-社債s are not as strict as those for proper 法人組織の／企業の 社債s and there is no 設立するd 第２位 market for those who may want to sell out 早期に.

Barking: LMSL has redeveloped the Barking 治安判事's 法廷，裁判所 into flats

小型の-社債s have become a popular punt in 最近の years, with 投資家s have been able to put money into offerings such as horse racing with the (v)策を弄する／(n)騎手 Club or beer with BrewDog.

However, while they may 控訴，上告 to savers looking for decent returns, 小型の-社債s are a type of 投資 and come with the 危険 of losing your money.

Returns are not 保証（人）d and if the 問題／発行するing company goes 破産した／（警察が）手入れする, 投資家s are not 保護するd by the 財政上の Services 補償（金） 計画／陰謀 in the same way that their money would be in a 貯金 account.

And unlike 小売 社債s, there is no 第２位 market for 投資家s so 小型の-社債s are not tradeable and therefore they are やめる 制限する.

But as long as an 投資家 knows these 危険s and is 用意が出来ている to 受託する them, 小型の-社債s can 証明する worthwhile 投資s.?Here's what you need to know about the LMSL East London 所有物／資産／財産 小型の-社債.

How much can I 投資する??

The 最小限 投資 is £1,000 and there is no upper 限界 but the company is looking to raise at least £9 million.

What return will I get?

The 社債 will 支払う／賃金 利益／興味 to bondholders at an 年次の 率 of 10 per cent (甚だしい／１２ダース) and will 分配する cash coupons on a 月毎の basis.

The pitch says someone who 投資するs £10,000 and is liable to 支払う／賃金 basic-率 税金 should 推定する／予想する to receive 利益／興味 支払い（額）s of £66.67 月毎の, £800.06 毎年 and £4,000.32 total for the 直す／買収する，八百長をするd five-year 称する，呼ぶ／期間／用語.?

Where can I 投資する?

The 小型の-社債 is 利用できる for 投資 at the crowdfunding website CrowdBnk.com until 31 October 2015.?

What is LMSL?

LMSL is a 所有物／資産／財産 開発 company specialising in lettings in the Walthamstow and Barking areas. It has a 大臣の地位 of 160 所有物／資産／財産s, with an 概算の 連合させるd value of £55 million.?

Out of the £9 million it hopes to raise, £4.5 million will go に向かって refinancing an 存在するing bank 貸付金 and the remaining balance will be put into planned 開発s.?

The 社債 is 安全な・保証するd against LMSL's Barking 治安判事's 法廷，裁判所 開発, which will begin to be let in December.

The 開発 供給するs 37 one- and two-bedroom flats that should 生成する £1,200 per month and three 商業の 部隊s that 供給する 賃貸しの income of £600,000 a year.

Are there any 保護（する）／緊急輸入制限s in place??

If the company 行方不明になるs three 利益／興味 支払い（額）s the 独立した・無所属 trustees would take 告発（する），告訴（する）／料金 of the 開発, with a 見解（をとる） to 再開するing some or all 利益／興味 支払い（額）s or returning 投資家s’ 資本／首都.

Should you 投資する in London 所有物／資産／財産?

The London 所有物／資産／財産 market is にわか景気ing and there is 正規の／正選手 需要・要求する for homes.?

On the flipside, many argue that London 所有物／資産／財産 is ひどく over-定価つきの.

The 普通の／平均（する） price of a house in London is now £437,700, a 記録，記録的な／記録する of more than 12 times 普通の／平均（する） 収入s, having 増加するd by 10 per cent over the past year, によれば Hometrack.

一方／合間, the Greater London 当局 報告（する）／憶測s there are not enough homes to 融通する the rising 全住民 in the 資本／首都, which is 推定する／予想するd to reach 11 million by 2050.

However, many are locked out of buying a London home 予定 to the price. Within the London Borough of Barking and Dagenham, house prices have 増加するd 19 per cent year-on-year, によれば 全国的な.?

While this makes it hard for aspiring homeowners, it 供給するs an 適切な時期 for 投資家s and developers.

What are the 危険s?

While 二塁打-digit 所有物／資産／財産 price growth and high returns sound good, the 所有物／資産／財産 market can be 予測できない, 特に for developers.

There are always 危険s of 事業／計画（する） 延期するs and 落ちるing 所有物／資産／財産 prices that could 影響する／感情 the company’s 業績／成果.

Using a 小型の-社債 is risky compared with a 規制するd 所有物／資産／財産 基金. You are concentrating on just one area rather than diversifying across a 範囲 of 所有物／資産／財産s from different 地域s as a 規制するd 所有物／資産／財産 基金 would.?

You should 研究 the company and type of 所有物／資産／財産 事業／計画（する）s 完全に before 投資するing.