Learn how to secure opportunities at Investown
The safety of our investors and the minimisation of risks arising from investing are of the utmost importance to us. To protect our investors' money, we provide a bank level of investment security. All this while maintaining above-average yields.
Bank level of security
The safety of our investors and the minimisation of risks arising from investing are of the utmost importance to us. To protect our investors' money, we provide a bank level of investment security. All this while maintaining above-average yields.
Investown security has the following levels:
Level 1: Building the right to the property
Building a property right is a must for you. The lien allows us, if necessary, to sell the mortgaged properties and thus satisfy the claims of investors. It is secured up to 80% LTV. What does that mean? For example, for a property with a value of CZK 10 million, we do not spend more than 8 million - as an investor, you are thus insured in the event of a decrease in the price of the property. With effect from 1 April 2022, banks cannot extend loans with an LTV of more than 80%, either.
Level 2: Personal Handyman
Personal handedness is the second level of security. If the sale of the property is not enough to cover the loan, we recover the remaining part subsequently directly from the personal property of the project owner. In addition, we check this carefully beforehand so that we know what his obligations are.
In each project, investments are secured in at least two ways — the financed real estate itself, the value of which must always be at least 20% higher than the value of the loan provided and the personal guarantee of the directors or owners of the company.
All mentioned security levels go hand in hand with a rigorous selection process and risk analysis of projects before and after they are added to the platform. This way, our investors can be sure that their money is as secure as possible.
