English overview · DE – Bankrecht
We advise on lending and payments. The following guide addresses matters under German law and relevant European rules. Cross-border cases require separate consideration of governing law, jurisdiction and local requirements.
Scope and legal approach
Matters involving lending and payments depend on the parties‘ roles and the relevant documents. Contract terms, actual events and administrative or judicial requirements must be considered together. The examples below illustrate different starting points and the questions requiring initial assessment.
Four practical examples
These examples illustrate typical issues. They do not describe specific client matters.
Example 1
A bank terminates credit. Grounds and liquidity effects require review.
Example 2
Security is released. Purpose and remaining debt are compared.
Example 3
A payment is unauthorised. Process and security are documented.
Example 4
A loan is refinanced. Costs and security are examined.
Assessment and next steps
We first clarify the intended result, the parties involved and the relevant chronology. The documents are assessed alongside the actual course of events. Established facts, disputed assertions and matters requiring further evidence or technical expertise are distinguished. Deadlines and any need for urgent protection are considered at the outset.
Available options are compared by cost, timing, commercial value and evidential risk. Depending on the matter, the appropriate route may involve drafting or revising an agreement, negotiations, administrative proceedings or litigation. Interim measures require their own assessment. Any settlement should specify performance, deadlines, security and implementation, rather than leave the next disagreement unresolved.
Preparing an initial consultation
Please provide a short chronology, complete relevant contracts or decisions, amendments and correspondence. Record known deadlines and when important notices were received. Explain the outcome you need, such as completing a project, reducing exposure, enforcing a claim or defending a demand. We can then agree the scope of work and discuss costs.