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Investing in a co-owned property is a comprehensive process. To provide you with the best possible support, we’ll provide you with a detailed checklist explaining all the important steps along with your investment documents.

You will only need to transfer the investment amount once all shares of the property have been contractually secured and the ownership transfer process can begin. The investment amount is transferred directly to a property account held with the mortgage-lending bank. crowdhouse never handles client funds directly.

After the contractually defined holding period has expired, the co-owners decide what will happen with the property. In general, two scenarios are possible: the co-owners decide to sell the property, or they decide to refinance it. A two-thirds majority is required for a refinancing decision — if such a majority is not reached, the property will be sold.

To allow all co-owners to form a clear picture of the possible scenarios and their implications before the vote, they are informed in detail about the available options well in advance (at least six months beforehand). As the asset manager, crowdhouse handles all necessary preliminary clarifications — for example, obtaining a current market valuation or exploring refinancing options.

In crowdhouse co-ownership, all co-owners are entered in the land register according to their respective ownership shares. These shares affect both the amount of payouts (which are made proportionally) and the voting process. All decisions are made on a proportional basis. This means that investors with higher investment amounts have proportionally greater voting power than those with smaller investments.

In the crowdhouse co-invest model, the holding period depends on the duration of the mortgage, usually between 5 and 10 years. Anyone considering an investment in the crowdhouse co-invest model should plan for a holding period of at least 5 years and ideally consider a longer time horizon.