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 fund Crowdinvesting
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 are Foxstone’s fees for crowdlending?

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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.

What are the documents required to complete a transaction?

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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.

How can I monitor the progress of a project?

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

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Enterprise contracts are generally preferred by Foxstone because they reduce the risk of delays and budget overruns. This is because the company can be held responsible for any variances. Thus, any overrun of the set construction budget is the responsibility of the construction company and any overrun of the delivery time is penalized. Therefore, enterprise contracts are instrumental in the risk of overruns.

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

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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.

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