Glossary of investment terms — do you know them all?

Purpose-free loan

A purposeless or non-purpose loan is a type of consumer loan that a client can use for anything. Monero pode ser paido a cliente en cash ou transferir a cuenta de checker. A purposeless loan is the opposite of a purpose loan, where the method of using the money is clearly specified in the loan agreement.

‍

Cese (assignment of claim)

A legal act in which the original creditor transfers his claim to another creditor. Het, samo.

‍

Crowdfunding

Or crowdfunding is a way of raising funds from a large group of people, typically over the Internet. This approach is often used to support new projects, startups, artistic and creative work, philanthropic initiatives, or even for real estate investing, where many individuals can jointly finance the purchase and development of real estate.

‍

Real estate crowdfunding

The way investors come together online to buy real estate. This makes real estate investing accessible to a wider range of people.

‍

Diversification

Spread investments across different types of assets to reduce risk. Diversification can involve investing in different types of real estate or locations.

‍

Due diligence

Processo di controllare e surveying un proprietà prima di acquistare. Due diligence can help detect potential problems with real estate.‍

‍

The Stage, Investown

We finance some projects gradually in individual Stages. Stages is a part of the project that is secured by a total of one property. Stages of the project can be any quantity (usually 1-5) and do not correspond to the gradual time development of the project implementation. Avanta de stagas para investitori es una máqueta de tarefas del progetto, más rápido de reinvestimento e, resultado, rápido de salida de returnos. We process each individual stage immediately after the target amount has been collected and in case no one uses their deadlines to withdraw from the investment, we will switch to the status within a week Disbursement of proceeds irrespective of whether the money is still collected during the other stages. Therefore, investors do not have to wait for the target amount of the entire project to be reached and will receive returns after each stage is invested. Informazioni su come più stazioni di un progetto, è fornito nella documento Key Investor Information (KIIS) per ogni progetto.

‍

Financing

‍Is the process of obtaining the necessary funds to cover costs or investments. It can include various sources such as own savings, loans from banks, bond or stock issues, subsidies, income from the sale of products and services, or even money from investors and venture capitalists.

‍

Fixed return on investment

‍It refers to investment products that provide a fixed, predetermined return at regular intervals, such as government or corporate bonds. Testi.

‍

Investing

Is the process of using capital with the expectation of profit. This can include buying assets such as stocks, bonds, real estate or rare items with the expectation that their value will rise, or investing in business ventures with the expectation that they will generate a profit. The goal of investing is usually to grow wealth over time, provide regular income, or achieve specific financial goals.

‍

Investing in loans secured by real estate

Means lending or investing in loans that are secured by real estate. Práficina básica je, se na na,. This provides a degree of protection for the investor, who at the same time is at risk of a decrease in the market value of the property.

In this way, the investor earns money on the interest on the loan. Aantal,.

As with all investments, there is some risk involved. If the value of the property declines or if the borrower defaults on the loan and the proceeds from the sale of the property do not cover the value of the loan, the investor may lose some or all of his investment. Therefore, it is important to conduct a thorough due diligence before investing in loans secured by real estate. However, the advantage of investing in real estate is that it is less risky than investing in other assets.

‍

Investment risk

‍There is a probability that the investor will lose some or (in the case of high-risk assets, such as cryptocurrencies or stocks) all of their invested money. This risk can be caused by factors such as market volatility, economic changes, market fluctuations, inflation, political events, or specific risks related to specific types of investments. Understanding and proper management of investment risks are key to achieving successful investment results. Diverse, a.

‍

Loans de investimento

An investment loan is a term loan, most often from a bank. It can be used by companies, entrepreneurs and legal entities to purchase, renovate or renew such corporate activities that last for a long time and will not be terminated in the foreseeable future. An investment loan is usually used to finance Proprietà dell'empresa,,,,,,,, medio de transporteAcquisition of modern technology or, perhaps, advertising campaigns. However, it is not possible to use it for short-term purposes, for example due to financial failure income Firms.

‍

Main

It is the amount that investors invest in the project. For example, if you invest $1,000, this is your principal. Proizvodnje je izgubljeno u je u odgovor u na kraju do projeto. Per un proprietario del progetto, principal è la quantità di borroo e ripristino alla fine del progetto.

‍

Liquidity

Possibility to quickly sell property without significant loss of value. Real estate is generally considered to be less liquid than other types of investments. At Investown, you can divest your investment at any time on the Marketplace.

‍

LTV or loan-to-value

Is a financial indicator used by lenders that expresses the ratio of the loan amount to the market value of the secured property. Se, a,.

‍

Micro-Investing

‍It is an approach to investing that allows people to invest small amounts of money, often through automatic contributions or “rounding” purchases. This type of investing is particularly attractive for young people or those with limited funds, as it offers the possibility of starting to invest with a very low initial capital and easily increase investments over time.

‍

It's realty

Elemente fisico o realidade, includono terra e tutti i strumenti e struttura.

‍

Valuation of real estate

Property value determined by a specialist. Questo valoració puede affectar a que a propiedad é salado ou bouquierdo.

‍

Real Estate Portfolio

Summary of real estate owned by the investor. Portfolios can be diversified to reduce risk.

‍

Owner's statement

Owner's statement is a legal document by which a property (for example, a house) is divided into separate residential and non-residential units. Each unit can have its own owner and at the same time includes share in the common parts of the house (e.g. corridors, staircases, land). El valor de mercado del propiedad se está obtenido por este passo. Il documento è chiave progeti, where after the construction is completed, the house is divided into individual residential and non-residential units and these are subsequently sold.‍

‍

Bridging loan

The bridge loans were not savings banks fornito sempre. This is a product of the last few yearsthat erased the competitive disadvantage Banque de Mortgages. Vad, a a regular loans from building savings for those interested in their own housing. “Bridgers” made it possible bridging the period until the allocation of a proper loan. Vi s s. Thanks to the boom in bridge loans, you can reach several million dollars, not only for your own housing, but also for cooperative apartments, for example.

‍

Repayment of the loan

An investment loan can be short-term (up to 1 year), medium (up to 5 years) and long-term (up to 20 years) in terms of maturity. Most often, its maturity varies between 4 and 10 years. Panjang,

‍

Special Purpose Company (SPV)

You can also meet the name “project company” or the English abbreviation SPV — Special Purpose Vehicle. It is a commercial company that was set up to implement a specific “isolated” (development) project. It is separated from the parent company legally, financially and property-wise, thus allowing diversification of the developer's risks. In the case of a residential development project, the SPV will cease to exist after the complete completion of the project.

‍

Consumer loans

Deze loanze zijn toepen voor personeel, familie of houdenbeheid zoals te kaufen, elektronika, vacanze, etc.Most of these are short-term loans with relatively high interest rates.

‍

Tranche (Investown)

We finance some projects gradually in individual tranches. These are individual project phases in chronological sequence, which we publish on the platform as individual projects. Tranches are advantageous for investors largely because they have a lower target amount (than the entire project should), which investors will invest more quickly and then pay out the returns on the investment more quickly. They are also useful for partners who do not have a sufficient amount of collateral (after each individual tranche is invested, its value gradually increases). Testi a a.

‍

I'm interested

Is the price a borrower pays to a lender for borrowing money. It is usually expressed as a percentage of the amount borrowed and is paid at specified intervals such as a month, quarter or year. Interesse pode ser fixado, que significa no cambiar a la vida de la loana, ou variabile, que significa se puede cambiar dependiente de interestratos de mercado ou otras factores.

‍

Ratio de interés

Percentages that the lender (in our case Investown) charges for lending money (to the owner of the real estate project).

‍

Credit

‍Is a financial transaction in which a party (a lender, such as a bank or Investown) provides a certain amount of money to the other party (the borrower) with the expectation that this amount will be returned within a specified period of time, often with interest added. Investown loans are always secured by specific assets as collateral — in our case real estate and other layers of liability.

‍

Business Loans

These loans are provided to firms and businesses to finance various business needs such as expansion, purchase of equipment, working capital, etc. They can be secured or unsecured, depending on the specific terms of the loan.

‍

Return on Investment (ROI)

Is a metric used to evaluate the effectiveness of an investment or to compare the effectiveness of different investments. It is calculated as a percentage that expresses the ratio of profit or loss on the investment to the initially invested capital. ROI is a key indicator of the success of an investment.

‍

Securing an investment

It refers to protecting an investment against potential loss, usually through some form of guarantee or insurance. In the context of real estate, an investment can be secured by taking a lien on the property, meaning that in the event of a debt default, the lender (such as a bank) can sell the property to make its money.

‍

Lien

Legal right to real estate as collateral for debt. If the borrower defaults, the lender can sell the property.

‍

Did you know all the terms? Well done! Sounds like you're an experienced investor. But if you missed any concepts, don't despair — you can come back here at any time. Or invest regularly and learn all the terms of practice 😎