Real estate professionals
Crowdlending
Exemple A (placeholder), vd
6%
Residential
CHF 1,500,000
64%
Target return
6%
Min. investment
CHF 10,000
Distribution
Bullet
View offer →
Crowdlending
Co-ownership
Exemple C (placeholder), zh
Residential
✓ Funded
100%
Purchase price
CHF 4,000,000
Funded – no longer open
FAQs
For crowdlending, Foxstone charges the borrower a percentage of the loan amount, depending on the terms of the loan, to manage the operation.
The loan is materialized by a debt contract issued by the borrowing company which owns the construction project or the building to be refinanced.
Crowdlending investments are loans of between 12 and 36 months made to a real estate developer to finance a development project or refinance an existing asset. Without replacing the bank, investors match the developer’s equity in the form of a junior loan. They receive fixed interest payments, either annually or at the end of the loan term, and recover their capital at the end of the loan term.
For crowdlending, investors must complete the following documents: Subscription form Form A Accreditation form (KYC) They must also provide a copy of their ID (and Swiss residence permit for foreign investors), and a bank statement in their name, dated within the last three months, from a bank in Switzerland, and showing a balance equal to or greater than the amount invested.
Foxstone sends investors a biannual newsletter on the projects.
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.
This would have no effect on your investment. You remain the owner of the debt, the borrower remains obligated to pay it, and interest continues to accrue. In crowdlending, Foxstone’s role is to represent investors within a special purpose vehicle (SPV) created specifically to issue the bond on behalf of all investors. If Foxstone were to disappear, investors would simply have to elect a new representative to the SPV to handle day-to-day operations such as management, monitoring and reporting.
Interest is paid annually or at maturity. This information is specified in the description of each offer.
Yes, the return on crowdlending is fixed. Unlike co-ownership investment, the amount of interest is contractually fixed and does not vary.
In the event of early repayment or partial early repayment, the borrowing company pays investors contractually defined penalties. In the case of partial early repayment, interest continues to accrue on the capital still invested.
If a loan is extended, the borrowing company pays the investors contractually-defined penalties, and interest continues to accrue on the period for which the loan was extended.
Foxstone requires at least one of the following four guarantees for crowdlending: Second mortgage registered in the land register Pledge of shares in the project company, known as a share pledge Retention of part of the transaction margin by the bank to repay the first and second mortgage loans Personal guarantee of the project owner
A mortgage certificate is a legal title that formalizes the pledging of a property as collateral for a loan. It is created to certify the debt and ensure its repayment by a company wishing to borrow to finance a project or refinance a property. The mortgage certificate specifies the amount covered by the mortgage. If the borrower defaults on payment, the creditor holding the mortgage certificate can exercise its rights over the property to recover the agreed sum.
Yes, once the funds are returned to your bank account, you can reinvest them in another project. Please note that Foxstone cannot directly transfer your funds from one project to another.
If repayment is made on the initially scheduled date, without early repayment or extension, the principal is transferred directly to the investor’s bank account. If interest is paid at maturity, it is transferred together with the principal. Foxstone automatically deducts and remits 35% withholding tax on interest income to the Swiss Federal Tax Administration (FTA). Investors can then reclaim this withholding tax in the form of a tax credit when filing their tax return.
The acquisition team focuses on projects that meet the following criteria: The location must have a strong demand for housing and therefore sustained demographic growth, be close to major regional employment hubs, be well served by public transport and the road network, and benefit from all modern infrastructures. The developer must have a proven track record in real estate development and a solid reputation. The developer must invest equity in the project. Projects that meet these criteria are then subjected to in-depth analysis to ensure their viability.
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