The Process
How It Works
Three simple steps to start earning 8.5% p.a. on your private loan.
Choose Your Loan Amount
From US$25,000 for existing LUX clients or US$35,000 standard entry. Maximum loan amount is US$10,000,000.
Earn 8.5% p.a.
Receive quarterly cash payments, or elect to capitalise interest for a compounding effect over the loan term.
Choose Your Exit
Cash repayment at maturity OR redeem into LUX property with a 25–50% bonus credit applied to your principal.
Redemption Bonus Tiers
| Loan Amount | Minimum Hold | Redemption Bonus |
|---|---|---|
| From US$25,000 | 12 months | 25% |
| From US$250,000 | 12 months | 50% |
Worked Example
A lender advancing US$250,000 for 12 months qualifies for the 50% property redemption bonus. At maturity:
Capitalised Interest
Instead of receiving quarterly cash payments, you may elect to capitalise your interest. Your 8.5% p.a. compounds into your loan balance, boosting your total return by up to 25–50% more than simple interest over the loan term. Capitalised interest is also eligible for the property redemption bonus where applicable.
Payment Flow
Lender
Lux Capital Partners LLC
LUX Property Group PT (Bali)
Development
Repayment
Security
LUX Property Group maintains a General Security Agreement (GSA) over its Indonesian land and development assets, with a minimum coverage ratio of 120% of all outstanding loans. Your lending is backed by real property assets in Bali and Lombok.
A 2% loan administration fee is deducted from the loan amount at drawdown.