Investown Reviews

It is hard to imagine the modern world without big cities, tall buildings and industrialised areas. Each structure has its own purpose, which is to meet certain human needs, and Investown recognises this.

New technologies and demographic changes affect all areas of human life and the real estate market is no exception. It is the most expensive asset that outperforms other segments in terms of volume.

Investing in real estate is profitable: the market has been growing in recent decades, allowing you to profit from your investments in the long term. However, in times of crisis it is difficult to preserve and increase your capital. The best way to do this is to invest in commercial or residential property. There is a constant demand for these investments. Moreover, they are easier to analyse than shares or bonds. With the right approach, real estate can offer a lucrative and reliable way to generate significant income in the short and long term.

In today’s review, we will focus on a “purely Czech product”, a real estate investment platform. This is the Investown cz platform. We will try to analyze the company’s activity, its risks and benefits.

The platform appeared on the Czech real estate market in 2020 with the support of Česká spořitelna bank.

Thanks to this fact, Investown.cz could enjoy a great interest of investors and the general public. Investown.cz’s activities were assessed by investors as very promising. Now we will look at all the information in more detail.

How Investown works

It is a crowdfunding platform that offers retail investors the opportunity to make money through real estate investments. Returns range from 8.5%, above, and the investment period is typically 12 to 24 months. You don’t have to be an experienced investor with millions of money to join the company. The platform is aimed at mid-level investors, which is why it has seen outright cosmic growth. The initial investment starts at 500 crowns. I believe you will agree that this is an affordable amount for everyone.

As far as risk is concerned – there is only one risk, and that is that the tenant to whom you have offered a lease from the platform will not pay for it. The creators of the platform have really thought this through and reduced the likelihood of risk to a minimum. Investown is founded by fintech professional Philip Suk and the current CEO of Investown Technologies Ltd. Alan Vyshin, following the example of similar foreign platforms. Interested investors have also invested in the project: Seed Starter of Česká spořitelna and Lighthouse Ventures, a venture capital fund that supports Czech innovative projects. The Czech comparison system Chytrý Honza is also a partner of the platform.

The Investown.cz team consists of well-known Czech IT experts with experience. Information about the founders of the platform can be found directly on the website and on social networks. This information is completely open.

Are you interested in how to become a full-fledged investor on this platform and where to start? Then we recommend you pore over reading the next section of this Investown review.

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Registration on the Investown platform

Registration with Investown can be a two-step process. The nice thing is that no confirmation is required – you don’t need to send ID or bank statements.

You click the “Get Started” button in the top right corner and then on the next web page you enter your email address, fill in your name from your ID documents and finally set your password.

You will then enter your permanent address, birth number and phone number, which will receive a registration SMS to sign the investment account agreement. At this stage, you’re almost done – you can browse property listings, just send money to the investment account and you can choose your first property and start investing.

Registering will literally cost you 2 minutes of time and a few clicks of the mouse.

The platform strives to support and educate its users. The operator even thinks about those who have no experience in investing at all and are not familiar with the possibilities that exist. On the homepage you will find a section called “For Investors” where you will find very useful information.

Due to the trading focus of the platform, you won’t find any demo account here as there is no need for one.

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How to invest in Investown

Once you have created an account and made your first deposit, you can start investing. You need to prepare for this process by reading the articles in the Blog section and analyzing the accommodation offerings on Investown. Every investor has their own Investown experience, so your main task will be to gain your own experience on the Investown platform.

Here’s a short guide on Investown investing. On the homepage, click on Invest Invest Offer, you will find it at the top of the page.

Each offer has its own calculations, possible income and length of maturity. Due to high demand, new investment offers are exhausted within hours, so hurry. This is due to the platform’s high popularity and good investment experience. The list of Investown.cz users is quite extensive. Some of them are displayed directly on the site.

In any case, we recommend you to familiarize yourself with the legal information on the site, your obligations and rights as an investor. All this information can be found in the footer of the site.

To avoid controversial situations and to be on the safe side, read and analyse the information displayed. For example, it is good to know that Investown is obliged to provide services to the user within the agreed scope and under the agreed conditions. The company is liable to the user for damages incurred as a result of the company’s breach of contractual or legal obligations.

Investown Premium

Active users, traders, or in our case investors, are always supported in some way by the company or platform where they operate. The Investown platform is no exception.

The highest level of service on the platform is called Premium.

Investown Premium is a unique upgrade that is automatically made available to investors who have invested in 10 or more properties. Once you have acquired enough properties, your Premium will be activated and you will receive new investment opportunities.

Benefits of Investown Premium:

• Extra bonus – a higher score in the form of a bonus at the end of the investment period.
• Priority support – Premium users receive priority support (with response usually within 2 hours).
• Social events and market analysis – Premium members have access to regular Czech market analysis and upcoming news. They also have the opportunity to meet in person or via video chat with Investown representatives.

How high can I earn with Investown?

The median return is approximately 4.2% per annum. However, the yield is not guaranteed, so if some tenants stop paying or the apartments are empty, investors gain nothing.

That’s not a great return if you compare it to inflation and the average stock market return. But as Investown itself states, this platform is for people who don’t want to take more risk in the stock market and deal with high volatility.

Another big argument for Investown is that as an investor, you have no stake in the price growth of the property. You only have a share of the rent, but since you don’t actually own the property, you may find that the price of the property doubles, but in 4-5 years you will only recoup your initial investment.

Another thing to point out is that the investment returns enter into your income and therefore you have to pay income tax. However, if you are looking for a stable, low risk investment, Investown will definitely not disappoint.

Platform fees and the ability to deposit and withdraw funds from Investown

As is typical for these platforms, you don’t have to worry about account maintenance fees or deposit and withdrawal fees (the only option is a bank account). The only fee you’ll encounter is the early termination fee, which is 0.9% of the value of your invested funds.

Then the platform takes 10% of the total rent collected and 90% of the rent collected goes to the investors – the commission that Investown charges on the promoters’ investments – but you don’t record it in your account.

You can either invest the money further or ask for it to be sent to the same bank account you deposited it from. There is one free withdrawal every 24 hours, with a £9 fee for each additional withdrawal.

Investown guarantees to withdraw your money within 3 days.

Investown risk

Risks are always and everywhere. However, we will now try to analyse Investown risk. As we mentioned in our Investown review, the only risk you can face when investing on the platform is that the tenant will not pay the rent. However, lately the platform has been trying to focus more on buying properties rather than renting them out, so it is not a bad idea to analyze what the risk is when investing in real estate in general.

Buying real estate is a low-risk form of investment that involves the process of buying, selling, renting and managing properties for profit. Real estate investment is one of the most important financial instruments. Real estate investment, which can vary depending on time and economic conditions, is generally a profitable method. It preserves capital and prevents depreciation. It also provides rental income that increases financial resources. The main investment assets are housing, land, commercial property and mines.

Calculating and researching the options for an investment vehicle that yields maximum or minimum benefit minimizes all possible risks. Risks that may occur in real estate investing are: structural, environmental, financial, legal, managerial, uncertainty, inflation, liquidity and unforeseen costs. One way to address these risks is to invest competently. Sound investment is achieved through sound risk management.

By the way, another advantage of this platform is that you can educate yourself on real estate investing on their website completely free of charge.

Such concern for investors has made for some nice comments all over the internet. Really good work.

Investown mobile app

For the modern person, the ability to manage finances from your phone is the norm, a sort of common commodity, much like electricity. New mobile services for financial products are engaging with the customer’s investment activities. Simplicity is the advantage of any app. It creates a competitive advantage in user adoption. Using an app should be seamless for the user, it should not be an ordeal. And that’s exactly the kind of simplicity and user-friendliness that Investown’s founders were aiming for.

You can download the mobile app directly from the Investown website for both Android and iOS.

The mobile version is no different from the desktop version and is incredibly easy to use. You’re in the know and all the information you need is literally in your pocket. The mobile app is constantly updated, so there are no technical issues on the platform side.

Technical Support and Social Profiles

We’ve covered a lot of information about the Investown platform in our review. However, now let’s check the platform’s social media presence and technical support options.

Investown cz has accounts on all popular social networks, namely Facebook, Instagram, Linkedin and Twitter.

The content is updated very frequently and the many followers only confirm the popularity of the platform.

As for technical support – you have a great chat option on the site in 2 languages – Czech and English.

You can also write a support request by filling out a form directly on the site.

After submitting your request, you will receive a reply within 24 hours. However, practice shows that it is much faster. If you have Premium status, you will receive a reply within 2 hours and if necessary you can have a video call with one of the platform’s consultants. A well thought out support strategy.

Customer service at Investown tries to know what the customer is experiencing and help them find a solution.

Investown web interface and its usability

At first glance you can see that the interface of the site is very simple, nothing extra. However, the more you navigate the site, the more information appears. On the homepage, at the top, you will find various sections, such as How it works, For Investors and so on.

The content is available in two languages – Czech and English. Investown has appeared in many well-known and reliable media and this information is also displayed on the website. This increases trust in the platform and its ratings, it goes without saying.

The buttons for registration or login are located in the upper right corner.

Interestingly, on the Investown.cz platform you have the possibility to get 3 types of loans. For this you need to fill in the form on the website, upload the necessary documents and within 48 hours, if you meet the conditions and all the documents are in order, you will receive the loan.

In the FAQ section you can get quick answers to general questions. If you have a specific question, you can contact technical support. Information about this can be found in our previous paragraph.

In the Investors section you will find a large number of useful articles, as well as in the Blog section. Their content is really worth reading.

To conclude our Investown review, we would like to point out that this platform is really flexible. You can start investing with a really small initial capital, which starts at 500 CZK, and you can invest in many properties at once. There are more and more ways to earn or earn income in the modern market. One can adapt to the times and use all possible ways of doing business to achieve their goals. The Investown.cz platform is a good choice for both newcomers and experienced investors. Thanks to the support or membership of organizations such as Česká spořitelna or Chytrý Honza, the platform seems to be reliable and promising.

Visible benefits include:

• Low fee on sale of investment (0.9%)
• Good site interface
• Mobile version of the platform
• Educational section for new investors
• Premium membership
• Good support services
• Positive and trustworthy investor reviews

But of course, only those who do nothing make mistakes. The platform has some points that need to be improved:

• Limited number of properties
• Limited payment options.

Many people use e-wallets or PayPall, but the platform does not accept these payment options. However, due to the high demand for these payment methods, the platform will soon allow them.

The good combination of low risk and volatility and the versatility of the users make this platform worth trying and using.
And to conclude our Investown review, we’ll share with you our top tips on how to invest in real estate and what factors to consider.

The good combination of low risk and volatility and the versatility of the users make this platform worth trying and using.
And to conclude our Investown review, we’ll share with you our top tips on how to invest in real estate and what factors to consider.

1. Buy a liquid property

The success of an investment depends almost entirely on choosing the right property. High liquidity means that the property can be sold quickly at a reasonable price. This means that the property is in demand.
If you invest in a home that is not in demand, it will be difficult to find tenants and buyers in the long term. You will have to underprice. Then the return on investment will be lower. Sometimes the property will fail to sell at all and end up as dead capital.

2. Research the demand

This is also an important point. You need to understand who prefers to rent what kind of accommodation in the region and city. Therefore, an analysis should be done. For example, it is known that young people are attracted to large growing cities. Initially, they prefer to rent. For this reason, there is a high demand for studio and one-room apartments.

3. Make the right calculation

The probability of a decline in property prices in the long run is very low. Time has shown that property values almost always increase over the years. If at some point the price has fallen, these losses can easily be absorbed through rental income. And if the price has fallen noticeably, it is not a bad thing, because real estate is tangible and always needed. It is an investment for the future because the property will always be passed on to children or grandchildren in the future.
With the right approach, investing in real estate can yield great returns over the long term. However, it is essential that you choose your property responsibly and heed the advice of experienced investors.

These are the main indicators when investing in real estate and we hope that our review will help you make the right decision.