1. When determining the price for a loan they facilitate, crowdfunding service providers shall take into account all of the following factors:
((a))
the risk profile of the project owner or crowdfunding project, as determined in the risk categories referred to in Article 19;
((b))
the net present value of the loan;
((c))
the prevailing market conditions at the point of loan origination and during the lifetime of the loan;
((d))
their business strategy.
2. When calculating the net present value referred in paragraph 1, point (b), crowdfunding service providers shall consider all of the following factors:
((a))
the principal amount of the loan;
((b))
the maturity of the loan;
((c))
the frequency of instalments of the loan;
((d))
an appropriate interest rate to discount future repayments.