Frequently Asked Questions

Vzhledem k tomu, že jde o novinku, chtěli jsme u pilotního projektu otestovat organický zájem investorů. Pilotní projekt Nájemního bydlení jsme proto vyjmuli z projektů, do kterých může Autoinvest investovat.

Ano, stejně jako ostatní projekty na Investownu, můžete i projekty z kategorie Nájemní bydlení prodat na Tržišti.

Tento typ investice může být vhodný pro investory, kteří:

• preferují stabilnější investice,
• chtějí konzervativnější část portfolia,
• hledají alternativu ke spořicím účtům,
• nebo chtějí portfolio více diverzifikovat.

Ne. Při investování na Investownu se nestáváte přímým vlastníkem nemovitosti.

Investujete do úvěru pro podnikatele zajištěného nemovitostí prostřednictvím platformy Investown.

Ne vždy. U Nájemního bydlení je ale nižší výnos spojený s tím, že financujeme již existující nemovitosti bez stavebního rizika.

Každá investice nese určitou míru rizika.

Ve srovnání s developerskými projekty je ale Nájemní bydlení postavené konzervativněji — díky existující nemovitosti a stabilnějším příjmům např. z nájemného.

Investice jsou zajištěné zástavním právem k existující nemovitosti.

Součástí zajištění může být také:

• ručení společnosti vlastnící nemovitost,
• zástava obchodního podílu SPV,
• a v některých případech také příjmy z nájemného.

Každý projekt zároveň prochází interním risk a due diligence procesem Investownu.

Výnos u Nájemního bydlení bývá nižší než u developerských projektů, protože tento typ investice pracuje s konzervativnějším rizikovým profilem.

Financujeme již postavené nemovitosti, kde nevzniká riziko spojené s výstavbou nemovitosti. Nižší výnos tak odpovídá nižšímu riziku a větší stabilitě investice.

V mobilní nebo webové aplikaci Investown. Tyto projekty jsou označené příznakem Nájemní bydlení.

Investování do projektů nájemního bydlení funguje stejně, jako do dalších projektů na Investownu.

1. krok – Vyberete si v aplikaci projekt, který se vám líbí a investujete do něj od 500 Kč
2. krok – Po celou dobu trvání projektu vám chodí každý měsíc výnosy.
3. krok – Jakmile se projekt dokončí, vrátí se vám investovaná částka do peněženky.

Nájemní bydlení je nový typ investice na Investownu zaměřený na již postavené rezidenční nemovitosti určené k dlouhodobému pronájmu. Na rozdíl od developerských projektů zde odpadají rizika výstavby a developmentu jako je např. zpoždění na stavbě nebo starosti s administrativou.

Yes, bonus interest also applies to projects offered on the Market. Valid for projects listed after 18.4.2024.

The current value of the portfolio is the total sum of all investments outstanding so far. You can find it in the Portfolio section (Portfolio Value line).

This is the amount offered by another user for sale on the Marketplace. This opportunity can be invested through the purchase of another investor's share.

The referral program was created for loyal investors who decided to recommend Investown to friends. For each invited investor who fulfils the conditions, both the invited and the invited investor will receive a reward.

We proceed to write off if the cost of recovery is higher than the amount recovered. The write-off of the claim is an internal accounting procedure — it does not change the legal existence of the claim and recovery can be resumed in the future (e.g. in inheritance proceedings).

We verify your identity on the basis of statutory regulations. All information is used only to protect investors and prevent money laundering. Documents are stored securely and used only for identity verification.

Investown is an AML mandatory person according to Act No. 253/2008 Coll. It is mandatory to carry out identification and verification of the user, as with banks, insurance companies or notaries. Verification takes place via VERIFF software.

The investment will remain with you, but in the event of a decrease in the membership level, you will not be able to invest in the Premium project again (increase the investment).

The amount of the bonus return will be determined according to your membership level on the day the return was actually paid out (not on the day the payout should have occurred).

Yes, membership levels can be moved up and down. You can move to a higher level by investing a sufficient amount, to a lower level by selling an investment or successfully closing the project.

No, Autoinvest is free. You do not pay any fees for using it.

Yes, after turning on Auto-Invest, you can continue to manually invest in any projects or increase investments already made by Autoinvest.

Yes, you are in control of all parameters and you can adjust them at any time.

If you decide to withdraw from the automatic investment, Autoinvest will blacklist the project and will not invest in it again (or in its further stages and tranches). If you withdraw from manual investing, this does not affect the behavior of Autoinvest. You can always invest manually in any project, regardless of previous withdrawal.

Yes, as with manual investments, you have 4 days to think about automatic investments. During this time, you can withdraw from each individual investment, directly in the detail of the project. From the fifth day after the investment is made, it is no longer possible to withdraw, but you can sell the investment on the Marketplace if you wish.

If there are more investment opportunities on the platform corresponding to your settings, but you have a balance in your wallet only on part of them, Autoinvest will prefer them in order from the oldest to the newly added.

Yes, if they are residents of the EU, they have a bank account with a Czech bank held in Czech crowns.

There is no limit to the number of invited friends. You will receive a reward for each successful invitation.

The child account cannot be set up yet. Investown plans to include it in the offering in the future.

The reward is credited immediately after the project is invested and switched to the Payout of income status.

Yes. You can invest money from the reward or send it to your bank account and use it at will.

The minimum investment amount varies depending on the current marketing offer. You can find the current terms and conditions in the Invite friends section of your Investown account.

After the expiration of the document, it is not possible to deposit money or invest, but it can be withdrawn from the wallet and sold on the Marketplace. On the expiration date, the application will notify you and update the document through the appropriate banner.

Yes. You diversify your portfolio by selecting different projects from different partners in different locations with different investment periods. The appreciation ranges from 8.5% per year, the number of investments does not have a ceiling.

Yes. You can offer your investment or part of it for sale on the Marketplace to other users of the platform.

Yes. Companies registered in the Czech Republic can invest if they own a bank account held in their name in a Czech bank in CZK.

At the end of the project, the value of the portfolio decreases as the invested amount (principal) is credited back to your Investown wallet. In this case, you will move to a lower level of membership.

We let these projects get underway. The bonus will continue to be paid to the investor who owns the investment at the end of the investment period (past due date of the investment).

Only investors from Premium Level 1 can invest in these projects. We can mark projects as Premium if they meet certain parameters such as high yield or very low LTV.

Automatic investments are placed in the same queue as manual investments, similar to if Autoinvest clicked the “Invest” button for the user. Therefore, investors with activated Autoinvest are not systemically advantaged, nor is any part of the project reserved for them. Most projects have a high enough target amount to fit both automatic and manual investments.

The reserve allows you to set a minimum amount in your wallet, which will not be automatically invested through the Autoinvest function. This amount always remains available for your needs, for example, for manual investments or planned withdrawal of funds. Funds in excess of this amount will be automatically invested according to the preferences set. With this feature, you gain even more control over your finances and the flexibility to manage them.

Autoinvest will try to invest every time a new investment opportunity opens on the platform or the balance in your wallet reaches the minimum amount for investment (500 CZK). Furthermore, also after each activation of Autoinvest or after adjusting its parameters. We invest your money regularly so that it is valued efficiently.

The referral code is valid for 7 days. During this time, the invitee must complete the registration and make the first investment in the open project.

The success rate of investments on Investown can be viewed in the statistics on investown.cz/statistics.

In the old model, you invested in real estate owned by Investown. The new crowdfunding model brings more diverse projects throughout the Czech Republic, the opportunity to offer investment to thousands of users on the Market, shorter investment periods and better returns.

The smallest investable amount is CZK 500, the highest is CZK 50,000,000.

Revenues are automatically credited to your Investown wallet each month. The payoff date depends on the date the project switches to Payout status. You can send the proceeds to a bank account or reinvest.

The average return is calculated as the average of the revenue from all crowdfunding projects for the previous quarter, including bonus revenue for Premium users. Quarters: Q1 (January—March), Q2 (April—June), Q3 (July—September), Q4 (October—December).

Investments in loans secured by real estate are treated as other income and income from capital assets. Income from participations in older investment opportunities subject to tax in accordance with Section 10 of the Income Tax Act, income from crowdfunding according to Section 8 (1) (g) of the ZDP. Investown is not a platform for tax advice - consult your tax advisor.

Valuation is expressed as a percentage p.a. (per annum). The moment the project switches to Payout status, your deposit begins to accrue interest. The base interest rate is fixed (unchanged).

Signing up for Investown is easy: 1. download the app in the App Store or Google Play or register on the website, 2. complete the registration, 3. verify your account (by law we need your identification data to verify), 4. top up your Investown wallet, 5. invest in any projects, 6. set up notifications to be the first to know about new opportunities.

AML legislation is available on the website of the Czech National Bank or the Financial Analytical Office, or in the Collection of Laws. The key is Act No. 253/2008 Coll. (AML law). Investown is required to archive the documents for 10 years.

Investown is a Czech project that is developed by a number of experts from both the world of IT and from the world of real estate and banking. One of the main investors of the project and co-owners is, for example, Seed Starter Česká spořitelna.

Previously, the membership level was based on the number of investments, but we are now evaluating it based on the total value of the portfolio.

Once you reach a specific membership level, we will send you an email. A shift or decrease in the level occurs immediately after a change in the value of the portfolio.

Autoinvest strives to maximally diversify your funds into as many projects as possible. For example: you set the “Maximum to project” parameter to 1000 CZK. 2,000 CZK will come into your wallet. Autoinvest will try to divide this amount into as many projects as possible (in this case, 4 projects of 500 CZK) that currently match your parameters on the platform.

Autoinvest automatically invests free funds from your Investown wallet according to the parameters you set. The minimum amount for investment is 500 CZK. Autoinvest invests only in open projects. You can turn Autoinvest off, turn it back on or adjust its investment parameters at any time.

If you have not invested in the last 60 days, you have 7 days to make a further investment to receive a bonus of CZK 500. Prerequisite: invest at least CZK 5,000 in one new project. The bonus of CZK 500 will be credited to the wallet when the project is switched to Payout status.

An investment from the old model can only be bought back by Investown. These repurchases recently are not realized due to the economic situation, which does not allow to sell real estate without loss. Investown is making every effort to find suitable buyers.

The project has been fully invested and cannot be invested in on the primary market. At this stage, hedging documentation is being prepared and signed. The phase usually lasts several days.

Investment opportunities have several layers of collateral: pledge on real estate (value always at least 20% higher than the loan, max. LTV 80%), personal liability of the director or owners, notarized registration with direct enforceability (without lengthy court proceedings) and a lien on 100% of the business share of the company implementing the project.

Tranches are individual project phases published as separate projects. They have a lower target amount, so they are more quickly reinvested and investors receive returns sooner. They are also advantageous for partners with lower collateral.

All projects undergo a thorough analysis: we verify the creditworthiness of the partner through CRIBIS, insolvency and enforcement registers, price estimate and construction budget, financial indicators of the company and the history of the owners. The analysis involves a risk analyst, appraiser, supervisor, trader, lawyer and key account manager. Less than 5% of projects pass through the screen.

Go to the My Account section and enter the withdrawal instruction. The money will be sent to your bank account within 5 days of placing the order.

After registering and approving your account, send money to your Investown account from a bank account held in your name at a Czech bank in CZK with your variable symbol. Then you choose from the open investment opportunities or Marketplace and click the Invest button. The investment will be added to your portfolio.

After the launch of a new project on the platform, it is possible to invest in its full proinvestment. Investown resolves administration with the project owner on an ongoing basis. Proinvestment is followed by the Investment Processing stage (signing of hedging documentation), then Payment of proceeds. You will receive the first yield 3-30 days from the switch to this stage.

Every investment carries with it a certain degree of risk. Spread the funds across multiple projects of different partners in different locations. Before each investment, make sure that you are not investing in the stage of the project in which you have already invested. Watch the portfolio as a whole and stick to long-term goals.

To add a new bank account, send money from it with complete and correct payment details. The account must be maintained by a Czech bank in your name in Czech currency and the payment must be sent with your variable symbol.

If the payment contains correct and complete payment details and is made immediately from an account held in your name by the Czech bank in CZK, we will credit it to the wallet within a few minutes, maximum 1 hour. In the case of regular payments, crediting may take 1 to 2 business days.

We do not charge any entry fee or account management fee. Every second and subsequent withdrawal of money from Investown Wallet within 24 hours is charged 9 CZK. If you want to withdraw from the investment early, it is possible to offer it for sale for a fee of 0.9% of the amount sold.

The bonus yield is only applied to new projects, issued on the platform after 18.4.2024. In detail, the user can recognize this by the box entitled to bonus: Yes/No.

Since we introduced the new Investown membership program, the original Premium program has been discontinued.

Investors are entitled to an additional return on the contractual penalty for each day of delay. For projects with documentation until June 17, 2025, the penalty is 0.2% of the amount owed per day. For projects from 18 June 2025, it is 0.1% per day for the first 30 days, then 0.05% per day. The fine is divided among all active investors in the project.

Autoinvest automatically invests free funds from the Investown wallet according to the set parameters. The minimum amount is 500 CZK. It invests only in open projects. It can be turned off, turned on or adjusted at any time.

The project has reached the end of the investment period. The original deposit was returned to investors. The project is closed, does not generate revenues and cannot be worked on further. All offers on the Marketplace are cancelled.

Crowdfunding (crowdfunding) is a way of financing projects through contributions from many people over the Internet. It allows small investors to invest in projects from less than hundreds of crowns. Crowdfunding investments are medium-term with a fixed maturity (12, 24, 36 months, etc.).

A stage is a part of a project secured by one property. The project may have 1-5 stages that do not correspond to the gradual time development of the implementation. After investing the target amount of the stage, Investown will process it immediately and switch to Payout status within a week, without waiting for the other stages.

The project has been added to the platform and can be invested in. It switches to the Investment Processing status automatically when the target amount is reached.

At the Payout stage, the imputation of returns for investors begins (3-30 days from the switch). Revenues are credited periodically every month. Investments can be sold and bought on the Marketplace.

After the end of the investment, you will receive the invested amount back into the Investown wallet, from where you can withdraw it to a bank account or reinvest it.

when the project owner is late with payment of the installment?

LTV (Loan to Value) expresses the ratio of the value of the loan to the value of the property. Example: LTV 70% = real estate for 10 mil. CZK, 7 mil loan. CZK. The lower the LTV, the better for the investor. On Investown, the average LTV is 60-70%, the maximum is 80%.

Investown membership is a loyalty program that offers benefits based on the size of your portfolio. These include a bonus yield of up to 1% p.a., invitations to meetings with management, subscriptions to podcasts and media, and access to Premium projects. Membership has six levels, you get the first benefit (bonus return) when you invest from CZK 10,000.

A marketplace is a space where investors can trade their investments. If you need to exit the investment early, it can be offered for sale on this secondary market, where it can be bought by other users of the platform.

PEP stands for Politically Exposed Person, as defined in Section 4 (5) of the AML Act. Special measures and controls are required in relation to PEP according to AML legislation.

Once you have made the investment, it is waiting for the target amount to be reached. After the conclusion of the investment round, the project enters the Investment Processing phase (5-7 working days). After that, it goes to the stage of Payment of income, your deposit begins to pay interest, and after a month you will receive the first return. You will receive income every month for the duration of the investment (usually 12-36 months). After the end of the investment period, you will receive the invested deposit back into the Investown wallet.

Investown makes the income from investments in the real estate market available to everyone without the need to have millions in the account. We created the application so that everyone has the opportunity to create passive income. Investown is an online real estate investment loan platform. Just choose from the offered properties and invest online from 500 CZK.