FAQ
If you have any questions about property crowdfunding, consult the Imvestland FAQ.
PROPERTY CROWDFUNDING
Imvestland offers you the chance to put your savings to work in investment properties/projects that are in excellent condition and ideally located, thanks to crowdfunding. Crowdfunding is a method of financing that involves a large number of people outside or in addition to the tools provided by the traditional financial system. The crowdfunding offered by Imvestland allows you to participate in a participative financing for the acquisition of a property/property yield project previously selected by a team of specialists. Imvestland focuses on eco-responsible properties that support a healthier planet. Imvestland integrates sustainability into every aspect of our projects, ensuring that your investments benefit not only your portfolio, but also the planet at home and abroad.
In the current climate, and given the performance and risks of other asset classes, property is an attractive investment for investors. With Imvestland, income is distributed monthly/quarterly or annually, providing a regular income stream.
Firstly, Imvesters selects property projects, puts investors and property owners in touch with each other and gives everyone access to the property market with an investment of just CHF 20,000..-. Imvesters manages the administrative and legal aspects of property investment to facilitate the experience of the various players in Switzerland and abroad. The Imvestland platform offers investment properties/projects to investors wishing to build up a property portfolio.
Crowdfunding allows investors to access and invest in property projects of a certain scale. The advantages are choice of allocation, transparency and the tangible aspect of the investment. Thanks to participative investment, users together have the opportunity to own an investment property that can generate attractive projected returns on equity. This type of property/project was previously reserved for people with large fortunes to invest. A flexible, transparent solution that is accessible to all, Imvestland enables anyone to become the owner of a fraction of a property/project for a small amount of money, minimising risk and, above all, offering attractive returns.
Crowdfunding is participative financing in return for an equity investment. This type of crowdfunding involves offering individuals the opportunity to invest their savings in co-ownership or a company in a property asset. This asset-based investment offers similar or higher returns than investment funds. In addition to their title to the property, investors receive, in proportion to their legal share, the profits and interest generated by the property. Imvestland offers its users the opportunity to invest their money in real property/projects with attractive returns, in co-ownership/partnership (crowdinvesting). By giving its users access to property investment, Imvestland offers them the chance to enter an often closed market that can offer significant returns.
Swiss law distinguishes between simple co-ownership (art. 646 to 651 of the Swiss Civil Code) and multi-storey property (art. 712a to 712t of the Swiss Civil Code). Depending on the property in question, the legal rules on co-ownership may differ.
- "If the property is not part of a building divided into different private flats, for example, then the system of simple co-ownership will apply. Each co-owner will have full use of the property but will be limited by the rights of the other co-owners to the property. This means that each co-owner does not have an exclusive right to the property, subject to any agreement to the contrary."
Each co-owner/shareholder can freely dispose of their share in the property and transfer it to a third party. This freedoḿ is not total, however, due in particular to the co-existence of several owners. Thus, in the event of the sale of one's co-ownership/partnership share, the other co-owners have a legal right of pre-emption (art. 682 of the Swiss Civil Code). This provision has been abolished for the investments proposed by Imvestland. Co-ownershiṕ ends when there is only one owner left. However, this is not always the case and co-ownership can last for a very long time.
- If the property is located in a building that is "shared" in such a way that different co-owners have exclusive rights to use and develop specific parts of the building (e.g. flats), then it is known as "propriété par étage". Under this system, there are two types of ownership: individual ownership and joint ownership. Each owner or co-owner has an exclusive right to a unit, flat, enclosed garage, etc., and a collective right to the common areas. Insofar as there are different owners/co-owners with rights to the common areas, they are all part of a "community" of owners by storey, which meets at a general meeting to take certain decisions such as, for example, appointing an administrator, overseeing his or her activities or approving the accounts and maintenance costs between the different co-owners by storey."
The Imvesters team remains at the disposal of all potential investors should they have any questions on this point.
REAL ESTATE
Imvestland uses a wide range of criteria to select a project and offer it to its users. Imvestland pays particular attention to three aspects: supply and demand in a specific region (i.e. the possibility of letting, the state of the rental market, resale opportunities, etc.), the possible return and the security of the investment.
The network and over 20 years' experience of the group's shareholders in the property sector enable Imvestland to carefully select the best opportunities on the market. An experienced selection committee visits and analyses each property according to strict criteria and eliminates more than 90% of the properties presented to it. A market evaluation and a financial, technical and legal audit are carried out to select the best yields and investments. A second, independent evaluation is then carried out by Wüest's recognised external experts. The bank granting any mortgage loan (see project sheet) will then carry out a third analysis.
For organisational reasons, we do not visit properties. As this is a tangible investment, you have the opportunity to view it, as the address is recorded in the portal. All the details are in the complete property file in your Imvestland portal.
Thanks to equity crowdfunding, property owners can sell their properties directly on a market-leading platform in French-speaking Switzerland, benefiting from an unprecedented sales force. This way of doing things enables both owners and investors to make a profit: the owner by selling his property quickly at the market price with no intermediary costs, and the investors by making their money work intelligently and for an attractive return.
Unlike owner-occupied property (PPE), co-ownership investment does not give the right to usufruct of the property. Co-owners/shareholders invest in a property/project with the aim of earning a return, not with a view to living in it. However, a co-owner/shareholder may, if they wish, rent out a property at market conditions. The aim is always to maximise profit. Of course, they must also meet the solvency criteria required by the Régie.
REAL ESTATE
Imvestland uses a wide range of criteria to select a project and offer it to its users. Imvestland pays particular attention to three aspects: supply and demand in a specific region (i.e. the possibility of letting, the state of the rental market, resale opportunities, etc.), the possible return and the security of the investment.
The network and over 20 years' experience of the group's shareholders in the property sector enable Imvestland to carefully select the best opportunities on the market. An experienced selection committee visits and analyses each property according to strict criteria and eliminates more than 90% of the properties presented to it. A market evaluation and a financial, technical and legal audit are carried out to select the best yields and investments. A second, independent evaluation is then carried out by Wüest's recognised external experts. The bank granting any mortgage loan (see project sheet) will then carry out a third analysis.
For organisational reasons, we do not visit properties. As this is a tangible investment, you have the opportunity to view it, as the address is recorded in the portal. All the details are in the complete property file in your Imvestland portal.
Thanks to equity crowdfunding, property owners can sell their properties directly on a market-leading platform in French-speaking Switzerland, benefiting from an unprecedented sales force. This way of doing things enables both owners and investors to make a profit: the owner by selling his property quickly at the market price with no intermediary costs, and the investors by making their money work intelligently and for an attractive return.
Unlike owner-occupied property (PPE), co-ownership investment does not give the right to usufruct of the property. Co-owners/shareholders invest in a property/project with the aim of earning a return, not with a view to living in it. However, a co-owner/shareholder may, if they wish, rent out a property at market conditions. The aim is always to maximise profit. Of course, they must also meet the solvency criteria required by the Régie.
SAFETY
Like any financial investment, property crowdfunding involves certain risks. These risks can take different forms and it is advisable to only invest money that is not vital. Potential investors should evaluate the proposed transactions independently before considering any potential investment and should consult a financial expert before considering any investment. For further details, please refer to the Risks page.
No, each co-owner/shareholder is only liable for the amount of the debt in proportion to their investment.
No, Imvestland is in no way an investment advisor. Imvestland is solely a platform enabling the various players (e.g. owners, brokers and investors) to come together with a common goal: property investment.
The Imvestland team is made up of professionals from the world of property, finance and risk management. Imvestland works with a large number of agents (lawyers, notaries, auditing firms, architects, developers, etc.) to offer the most attractive properties on the market to its community.
Yes, the Imvestland team includes several specialist lawyers. The system is approved by the highest legal authorities in Switzerland. The notaries have already carried out numerous crowdfunding transactions. What's more, this type of investment is now sufficiently well-known and regulated.
If Imvestland were to disappear, this would have no impact on the co-ownership/company and its holding of property positions. The crowdfunders are still in possession of their property.
Yes, the platform uses cryptographic technologies to ensure a high standard of security. What's more, Imvestland complies with the General Data Protection Regulation (GDPR).
