A high-yield, fee-free real estate platform with strong developer backing, suitable for long-term investors.
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€100.00
€100,000.00
Moderate risk with balanced returns
11.8%
0 reviews
Community total (base currency)
Without bonuses
Community members
4.2/5
Fintown provides competitive returns on secured real estate development projects, reinforced by the Vihorev Group’s 20%+ investment in every loan. The platform excels in transparency and customer support but needs significant improvement in website performance and user experience.
Real estate P2P platform backed by the Vihorev Group, offering high-yield property loans with daily interest accrual.
Looking for real estate exposure without the high capital requirement? Fintown offers P2P investment opportunities in development projects, primarily in the Czech Republic. With competitive returns up to 13% and a developer-backed model, it provides direct access to the European property market.
Fintown is a P2P real estate investment platform founded and powered by the Vihorev Group, a established real estate developer. Based in Prague, Czech Republic, the platform specializes in funding the Group’s own property projects, ensuring 'Skin in the Game' and minimizing counterparty risk by eliminating external loan originators.
Fintown allows investors to earn passive income from real estate development with high annual interest rates (up to 13%). Key benefits include daily interest accrual, no investor fees, and strong alignment of interests via the developer's significant co-investment (minimum 20% skin in the game).
Investors register an account, complete KYC, and deposit funds via bank transfer. They then select a specific real estate development project (e.g., Development or Rental) and invest with a single click. Interest accrues daily and is paid out according to the project terms (e.g., quarterly or bullet payment).
Funding for specific real estate construction stages, typically offering the highest interest rates (11-13%). Principal and all interest are paid at the end of the term (Bullet).
Funding for development projects where interest is paid out regularly every three months, providing a steadier cash flow before the principal is returned at maturity.
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Investments in completed or operating properties, generating income from rent or operations. These often provide more stable, regular payouts.
Loan Types: Real estate development loans, Real estate rental projects
Liquidity: Typically 12 to 24 months, with some projects extending longer.
Fees:
Risk Level: Medium
Risk Factors:
Risk Mitigation:
Ideal for investors prioritizing high returns (11-13%) and willing to accept the risk associated with real estate development cycles and longer lock-up periods.
Suitable for those utilizing the 'Quarterly Payment' investment type to receive regular interest income every three months, improving portfolio cash flow.
Appeals to investors seeking simple, direct exposure to the Czech and European real estate market without the complexity of direct property ownership.
The minimum investment is very low, starting at just €1 per project. This allows investors to diversify easily across multiple real estate opportunities.
No. Fintown states clearly that there are no charges for investors, including no platform fees, deposit fees, or withdrawal fees. Fees may only apply if using the Early Exit 2.0 feature.
'Skin in the Game' means the Vihorev Group (the developer/platform owner) invests a minimum of 20% of its own funds into every single project. This ensures that the platform's interests are directly aligned with those of the investors, mitigating platform risk.
The Early Exit 2.0 program offers investors a way to access funds before the loan maturity date. It operates under specific conditions and involves structured exit fees, allowing for conditional liquidity where a secondary market might otherwise be unavailable.
All projects are secured by real estate collateral, and the Loan-to-Value (LTV) ratios are kept low. In the event of a default, the collateral property would be liquidated to recover the principal and outstanding interest for investors.
Fintown projects typically offer annual interest rates ranging from 11% to 13%, with interest accruing daily and being paid out according to the project terms (Quarterly or Bullet).