Alternatives

Real estate attracts a growing number of investors looking for a tangible investment which generates steady returns.

This asset class is an alternative to saving accounts, with zero or negative interest rates, and the uncertainties of the financial markets.

What is needed to invest in real estate?

Financial resources

In Switzerland, 25% of the property’s value in equity is required

Lots of time

The search for, the analysis and the management of a property can be time consuming and costly

Specific skills

The analysis, the acquisition and the management of a property require a specific knowledge and skills

Extended network

Access to quality offers requires a privileged network

People are saying

Real estate investments types

1

Direct investment

Direct investment through the acquisition and the rental of an apartment in condominium ownership (PPE).
2

Indirect investment

The acquisition of shares of a real estate fund.
3

Crowdinvesting

The third alternative for investing which combines the benefits of the two other models.

Compare investments

 Direct Investment
(PPE condominium)
Real estate fundCrowdinvesting
Ownership
Is the investor’s name entered in the land register?
PPE
Real estate fund
Crowdinvesting
Accessibility
Is the minimum investment amount affordable?
PPE
Real estate fund
Crowdinvesting
Liquidity
Can the investor sell a part of his investment?
PPE
Real estate fund
Crowdinvesting
Decision-making power
Does the investor participate in strategic decisions and in the allocation choices?
PPE
Real estate fund
Crowdinvesting
Dilution of the vacancy risk
Is the vacancy risk diluted on several tenants?
PPE
Real estate fund
Crowdinvesting
Diversification
Is it possible to invest in several buildings in different geographical areas?
PPE
Real estate fund
Crowdinvesting

Benefits of crowdinvesting

Dilution of the vacancy risk

The vacancy risk is spread over several tenants.

Turnkey service

Foxstone takes care of everything from the selection of the building to its management.

Accessibility

Minimum investment amount of CHF 25,000

Strategic decisions

Your vote counts during the co-ownership’s general assemblies.

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FAQs

What is crowdlending? +

Crowdlending is the granting of a loan to a real estate company in order to finance a real estate development project or refinance an existing real estate asset. Investors receive a fixed interest on a quarterly basis and recover their capital at the maturity of the loan, the duration of which varies from 1 to 5 years. They have the possibility to put their loan contracts up for sale at any time on our secondary market.

Which title certifies the loan? +

The loan is materialized by a debt contract issued by the borrowing company which owns the construction project or the building to be refinanced.

What would happen to my loan if Foxstone came to disappear? +

In the event that Foxstone were to disappear, this would not affect the loan. Investors are still in possession of the debt contract issued by the company owning the real estate development project entered in the land register on behalf of the company. Depending on the investment offers, these contracts may also be linked to a first or second rank mortgage note, thus increasing the safety of the investment.

What kind of construction contract is concluded for real estate development projects? +

The construction contracts are of the “general contractor agreement” type. These contracts are slightly more expensive than the “total entreprise contract” type, but they reduce the risk of delay and budget overrun because the company is responsible for any discrepancy. Thus, any overrun of the agreed construction budget is the responsibility of the construction company and any delay from the delivery deadline is penalized.

How can I monitor the progress of a project? +

The real estate developer supplies quarterly reports (according to the project) on the project’s progress with photos of the construction site. Foxstone synthesizes these reports and publishes them on the investor’s online dashboard for an easy consultation.

What are the documents required to complete a transaction? +

Each investor expressing an interest in an offer receives the investment file including:

  • The investment brochure,
  • The loan agreement

And must fill, sign and return the following documents:

  • The subscription form,
  • The power of attorney form in two copies,
  • The bank accreditation form (information on the investor and the origin of the funds),
  • The document for the notary.

These documents are required by the mortgage provider and the notary.

What are Foxstone’s fees for crowdlending? +

For crowdlending, Foxstone takes the following fees: 3% of the amount of the loan from the investor and 3% of the amount of the loan from the developer.

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