The fees Yellow Melon charges for its services are simple and transparent. You do not pay any fees for using our system,
for submitting a loan application, for an auction, or for executing your investment.
The borrower pays a fee only when the loan is granted, and the investor pays for the ongoing management of the investment — and only from actually paid instalments.
We do not charge hidden fees and the contracts do not contain any additional costs.
What does Yellow Melon do for you in return? Read more in the section Our services
Fee schedule
Investor fees
Fees for investing |
|---|
Investment management – Standard / CashFree
(calculated from the paid monthly loan instalment) | 1.00 % / 0.33 %
(minimum 0.01 €) |
Assignment (sale) of a claim to another investor
(calculated from the value of the assigned claim) | 1.50 %
(minimum 0.01 €) |
Borrower fees
Loan fees |
|---|
Loan issuance – Standard
(calculated from the loan amount; one-time + monthly during the loan term) |
AA 3.20% + 0.12 %
A 3.80% + 0.20 %
B 4.40% + 0.33 %
C 5.10% + 0.38 %
D 5.60% + 0.50 %
D- 6.10% + 0.60 %
HR 6.60% + 0.70 %
+ transaction fee *
(minimum one-time fee is 30.00 €) |
Loan issuance – CashFree Housing
(calculated from the loan amount; one-time + monthly during the loan term) | 3.5 % + 0.08 % + transaction fee *
(minimum one-time fee is 30.00 €) |
Loan issuance – CashFree Hypo
(calculated from the loan amount; one-time + monthly during the loan term) | 3.7 % + 0.12 % + transaction fee *
(minimum one-time fee is 30.00 €) |
Loan issuance – CashFree Real Estate
(calculated from the loan amount; one-time + monthly during the loan term) |
Loan < 50 001 €: 3.7 % + 0.12 %
Loan 50 001 € – 125 000 €: 3.2 % + 0.10 %
Loan 125 001 € – 175 000 €: 2.7 % + 0.08 %
Loan 175 001 € – 225 000 €: 2.2 % + 0.06 %
Loan > 225 000 €: 1.7 % + 0.05 %
+ transaction fee *
(minimum one-time fee is 30.00 €) |
Loan issuance – CashFree Parking
(calculated from the loan amount; one-time + monthly during the loan term) | 3.7 % + 0.20 % + transaction fee *
(minimum one-time fee is 30.00 €) |
| Loan issuance – CashFree Purchase | according to the appendix Fee schedule + transaction fee * |
Early repayment – CashFree Housing, CashFree Hypo
(from the early repaid principal) | 0.50 % |
Early repayment – other loans
(from the early repaid principal; up to 12 months before maturity / more than 12 months before maturity) | 0.50 % / 3.00 % |
Extraordinary repayment
(from the amount of the extraordinary repayment) | 1.50 % |
Penalty fees – in case of late payment |
|---|
Overdue loan instalment
(based on the standard instalment amount; for each started month of delay) |
| Instalment | Penalty |
| < 50 €: | 8.00 € |
| 50 € – 100 €: | 12.00 € |
| 100 € – 150 €: | 18.00 € |
| 150 € – 200 €: | 23.00 € |
| 200 € – 250 €: | 28.00 € |
| 250 € – 300 €: | 33.00 € |
| 300 € – 350 €: | 37.00 € |
| 350 € – 400 €: | 42.00 € |
| 400 € – 450 €: | 47.00 € |
| > 450 €: | 50.00 € |
|
| Sending email reminder ** | 8.00 € |
| Sending SMS reminder *** | 8.00 € |
| Phone reminder | 10.00 € |
| Sending written notice by post | 35.00 € |
| Sending agreement on wage deductions to the employer | 20.00 € |
Transfer to debt collection agency for recovery
(from the overdue amount) | 18.00 % |
| Administrative fee for loan acceleration | 20.00 € |
| Setting up a new repayment schedule | 20.00 € |
| Filing a claim in bankruptcy proceedings | 40.00 € |
Cadastral fees |
|---|
| Document conversion to electronic form for cadastre submission – CashFree Hypo loans | 15.00 € |
| Document conversion to electronic form for cadastre submission – CashFree Real Estate loans | 50.00 € |
| Filing the application for property registration (cadastre entry) electronically | 50.00 € |
| Filing the application for property registration (cadastre entry) | 100.00 € |
General fees
User fees |
|---|
Requested withdrawal from the Virtual Account
(transfer to the User’s individual bank account) | 0.20 € + transaction fee * |
All fees include VAT.
This fee schedule is valid and effective from 15 April 2024.
* Transaction fee: 0.4% of amount, maximum 40 € (due to the introduction of a transaction tax)
** Does not apply to the first email reminder
*** Does not apply to the first SMS reminder