Crowdrealestate is a real estate investment and financing platform. Real estate entrepreneurs can finance real estate projects through the online platform. It is possible for anyone to invest in these real estate projects. Beforehand, projects are carefully screened for quality and feasibility.
In the Netherlands, a crowdfunding platform must comply with the requirements, drawn up from the Authority for the Financial Markets (AFM) and De Nederlandsche Bank (DNB). A platform that mediates in loans to corporate parties must have an exemption from mediating in demandable funds as referred to in art 4:3 of the Wft. Crowdrealestate has an exemption and is included in the AFM register. Crowdrealestate is supervised by the AFM.
Crowdrealestate gives you the opportunity to reserve your investment in advance. As soon as the project is opened for funding, you will be notified by us. If you have reserved within the target amount, you will be given a certain period of time to complete your payment and participation. After this period, all investors who have reserved a participation amount will be given the opportunity to finalise their participation. The principle of 'first come, first served' then applies.
It is not possible for everyone to invest through Crowdrealestate. You must be at least 18 years old, have legal capacity and be resident in the EU. If the investment is made from a company, it must have its registered office in an EU member state. The name of the account holder of Crowdrealestate must correspond to the name of the account holder with whom the investment is made.
As a private investor, you may have a maximum investment amount of €80,000 outstanding through this platform at any time. If the investment is made from a legal entity, there is no maximum investment amount.
In addition to the usual payment methods, it is possible to pay by direct bank transfer. Please contact Crowdrealestate for this. You will then receive a deposit request with the payment characteristics.
Due to applicable regulations, it is not possible to transfer your investment in the interim. You should therefore be aware of the risks of the non-marketability of the loan.
The invested amount can be redeemed and repaid mid-term or at the end of the term. The timing of repayment varies from project to project and is clearly communicated in advance. The borrower has the authority to repay you earlier (early) than initially intended.
Depending on the project, interest is paid monthly or quarterly. Interest payments are made in the second (full) week of the month in arrears. The first interest payment or accrued interest may differ from the regular interest payments in this regard.
Each investment is subject to a one-off 0.9% brokerage fee charged by Crowdrealestate. No other fees are charged.
Should the required amount not be obtained within the desired period, your investment including the intermediation costs will be repaid. If necessary, the financing period can be extended in consultation with the promoter.
Crowdrealestate aims to provide insight into the risks of a project in the simplest and clearest way possible. The minimum interest rate is also determined on the basis of this risk valuation. This valuation does not serve as Crowdrealestate's internal screening model. Prior to placement, projects are screened extensively by Crowdrealestate.
By logging into your account, you can view your portfolio. This will give you easy access to your investments and interest receivable.
After your investment has been completed, there is an option to change or cancel your investment. This can be done within 24 hours of your payment being confirmed.
You must declare your investments to the tax authorities. This can be done via your income tax return. After logging in, you can download the relevant annual statement via your portfolio.
Your investment always has an underlying value namely the property. A mortgage right is created on this. The mortgage right is the most important security right you can have as an investor. Additional collateral may also be required, such as a pledge of rental income and a surety bond.
The independent Foundation Collateral Agent Crowdrealestate guarantees the collateral for each project on behalf of the investors.
In this case, Crowdrealestate will enter into discussions with the entrepreneur to understand the situation and see whether payment obligations can still be met. In extreme cases, this may lead to the enforcement of the securities. Including at least the mortgage right. The property on which the mortgage right is established is then sold by means of a foreclosure auction. The funds that become available from this are then distributed to the investors.
Payments are handled at Crowdrealestate via payment provider Mollie. Mollie offers a wide range of payment options to complete your participation. After payment, Mollie transfers the amount to the third-party account of notary Sauer & Oonk Adviseurs en Notarissen LLP in Vlissingen.
During the investment process, a pre-registration (reservation) is automatically created for the respective participation. However, this amount is automatically removed from your portfolio around midnight if the participation is not completed.
A discount code is occasionally sent to investors. For example, when there is the last participation amount in a project or early redemption as a concession for an appropriate reinvestment.
The exit in real estate depends on many factors. It is therefore difficult to plan when exactly the loan will be repaid. Some flexibility in the term is therefore desirable, as otherwise we would contractually have to proceed to the immediate enforcement of the collateral, while this could have adverse financial consequences for the investors. Only in exceptional cases will Crowdrealestate agree to an extension.
You can use the application form on this website to register your project without any obligation.
Through Crowdrealestate, only business parties can take out a loan. As a precondition, a mortgage right must always be established on a real estate property. Crowdrealestate is open to all kinds of real estate projects. Preference is given to projects with a low risk profile.
Crowdrealestate is not a banking institution. Crowdrealestate is a platform for public funding and hereby acts as an intermediary for the public raising or obtaining of demandable funds. Crowdrealestate is supervised by the AFM and has an exemption from acting as an intermediary in demand deposits as referred to in art 4:3 of the Wft.
To ensure quality, only the most solid projects are posted on the platform.
After applying, you will be told within 48 hours whether the project fits within Crowdrealestate's profile. If the project qualifies for the extensive screening, we will ask for more information. After the funding proposal has been approved, you will hear within a few weeks whether the project can be placed on the platform.
The application fee charged once by Crowdrealestate to process the borrower's application is at its own risk. For clarification, we note that in case of any funding rejection, this application fee will not be returned. The application fee should be paid prior to screening.
The above also applies to any additional preparation costs incurred in the preliminary stage of the financing application.
The minimum interest to be paid to investors is included in the Crowdrealestate Valuation. On this basis, you can get an indication of your interest costs in advance.
You can easily transfer the interest to Sauer & Oonk Advisors & Notaries' third-party account. From this trust account, payouts are then transferred to all investors.
A project should have a minimum duration of 3 months to a maximum duration of 120 months.
For each spending purpose, Crowdrealestate may fund a maximum of €2.5m.