Our experts are always happy to assist you. If you have questions about a very specific property, you will find two excellent options directly on the platform: you can send your questions directly to our experts via personal chat or ask them in the discussion forum for the respective property. In the discussion forum, you can also see the questions of other potential investors and transparently exchange views with other interested parties before making your investment. You gain access to these chats after consenting to a confidentiality agreement.

For crowdhouse co-ownership, the minimum investment is CHF 100,000, and at the same time a contractual upper limit is defined: a single investor may not hold more than one third of the offered shares. This prevents one investor from obtaining a blocking minority on their own.

crowdhouse aims to keep the number of co-owners per property within a range of 20 to 30 people. The exact number depends on the respective property. The higher the purchase price volume, the larger the co-ownership group.

Anyone considering an investment in the crowdhouse co-ownership model should be prepared for a holding period of at least five years and ideally consider an even longer time horizon. The intended holding period is set out in the contracts. It is usually based on the agreed mortgage and generally amounts to five to ten years.

After the contractually defined holding period ends, the co-ownership group decides together what happens to the property. As a rule, there are two scenarios: either the property is sold or it is refinanced. Refinancing requires a two-thirds majority – if this is not achieved, the property is sold.

So that all co-owners can form a precise picture of the possible scenarios and their effects at an early stage, crowdhouse provides comprehensive information about the options at least six months before expiry. As asset manager, crowdhouse handles all necessary preliminary assessments – such as an up-to-date market valuation or the review of refinancing options.

Yes, that is possible. If you would like to sell your share before the holding period ends, you can initiate the sale yourself at any time. crowdhouse provides a marketplace for this purpose, where interested investors can join waiting lists for shares in already financed properties. If you wish to sell, we place your share on our marketplace according to your conditions and handle the entire administrative process of the transfer of ownership. As with all real estate transactions, the trading of co-ownership shares always depends on supply and demand.

If an offered financing does not materialize – for example, because crowdhouse is unable to contractually secure all required equity within the intended time frame – you as a potential investor bear no risk. The contracts you sign only become valid once all equity has been contractually secured and the transfer of ownership can be completed. Otherwise, the contracts are void. In this case, you cannot invest in the respective property; beyond that, such a case has no further consequences for you.

The investment amount only becomes due once all shares in the respective property have been contractually committed and the process of the transfer of ownership can be initiated. You transfer the investment amount directly to a property account at the mortgage-lending bank. crowdhouse does not accept client funds at any time. 

Yes. As a co-owner, you have a say. This is expressed in particular through proportionate voting rights at all co-owners’ meetings as well as the possibility to submit your own agenda items.

With crowdhouse co-ownership, all co-owners are entered in the land register proportionally. These shares determine, on the one hand, the amount of payouts you receive (these are paid proportionally) and, on the other hand, your voting weight in resolutions. This means: whoever invests more also has more voting power than someone with a smaller investment amount.

No, there is no issuer risk¹ with this form of investment. As owner of the property, the co-ownership group is not dependent on crowdhouse. In the unlikely event that crowdhouse becomes insolvent, the co-ownership group would have to appoint a new asset manager. However, the fundamental value of the asset would remain unaffected. 

¹Issuer risk refers to the risk that the issuer of a financial product becomes insolvent and can therefore no longer meet its obligations to investors. In such a case, investors are dependent on the economic survival of the issuer, regardless of how the actual investment object develops.

In the event of a successful sale, crowdhouse receives a success fee. This is transparently disclosed as part of the expected selling costs in each financing – crowdhouse is not additionally compensated by the seller of the property.

In addition, crowdhouse assumes the asset management of the property. For this service, crowdhouse receives an annual management fee, a fee for strategic asset and investment management, and a fee for debt management. All corresponding fees are transparently disclosed for each property in the annual financial forecast.