Crowdrealestate is an online investment and financing platform for real estate projects in the Netherlands, Belgium and Germany. The platform has been securely connecting project owners with investors for years, for alternative financing. This through crowdfunding, private placements or 1-to-1 financing.

Crowdrealestate is licensed as a crowdfunding service provider as referred to in Article 12(1) of the European Regulation (ECSPR) and is registered as such in the public registers of the Authority for the Financial Markets (AFM) and the European Securities and Markets Authority (ESMA). The license number is 32000052.

Crowdfunding service providers have been subject to licensing since Nov. 10, 2023, and must have an ECSPR license. ECSPR stands for European Crowdfunding Service Providers Regulation. This European regulation is part of the European Capital Market Union. This seeks to harmonize EU capital markets by promoting cross-border activities and investor protection.

Investors through Crowdrealestate must be 18 years of age or older, have legal capacity and not be under guardianship. Investors can be a natural person (individual) or legal entity (business). In addition, investors must successfully complete the verification and onboarding process.

To start investing through Crowdrealestate, you must first create an acccount on the digital platform. Click on this link to create an account. You can then immediately pre-register in the projects on offer without any obligation. After successfully completing the verification and onboarding process, you can complete investments.

During the verification and onboarding process, you will go through several steps, including being asked to fill in your personal details and identify yourself using iDIN or a valid ID. Your bank account will also be verified in the same way and you will be asked to complete an investor test and a simulation test. The latter is asked to determine whether you qualify as a non-experienced investor or an experienced investor.

Crowdrealestate works with a pre-registration period as standard. During this period, you can subscribe to a project without any obligation and reserve a participation amount. When at least the threshold amount is fully subscribed, you can complete the investment and payment. Investors with a pre-registration within the target amount are given the opportunity to be the first to complete the investment.

From the threshold amount, funds can be released to the project owner. The target amount refers to the maximum amount that can be released to the project owner.

Na een succesvolle voorinschrijvingsperiode en het behalen van tenminste het drempelbedrag ontvangt u van ons een uitnodiging om uw deelname af te ronden. Via het investeringsproces kunt u digitaal akkoord gaan met de voorwaarden en vervolgens de betaling van uw investering afronden. Het deelnamebedrag kunt u overboeken via de gebruikelijke betaalmethodes.

You can complete your investment via the payment provider in various ways. You can complete your investment via iDEAL, Bancontact or by direct bank transfer. The fixed account number is NL05DEUT7056228245 in the name of Crowdrealestate by Online Payments Foundation. Even when making a direct transfer, you should always go through the payment process and include a correct description.

Crowdrealestate aims to provide insight into a project's risks in the simplest and clearest way possible. This is done through the Crowdrealestate Valuation and the various risk classifications. The interest rate is also determined on the basis of the risk classification.

At Crowdrealestate, you as an investor will always get a first or a second right of mortgage. The mortgage right is the most important security right you can have as an investor. Additional collateral may also apply, such as a pledge of rental income or joint and several liability.

At Crowdrealestate, you can only invest in real estate projects with mortgage collateral. A mortgage right is the most important security right you can have as an investor. At Crowdrealestate, this can be a first or a second right of mortgage. Besides the rank in mortgage, the underlying value of the mortgage right is very important here. You can read more about this in this blog post.

Crowdrealestate carries out an extensive screening process on all projects before they are offered on the platform. Selection criteria include a thorough review of valuation reports, annual reports, leases, and other relevant documentation to assess the financial stability and potential of the real estate project and the underlying organisation.

According to authorisation guidelines, the Key Investment Information Sheet (EBi) should enable investors to make informed investment decisions. The Sheet EBi should warn investors that the investment environment they are entering involves risks that are not covered by the deposit guarantee scheme or investor compensation scheme. The Sheet EBi will be prepared by the project owner in consultation with Crowdrealestate and published on the project page.

There are no maximum investment limits. However, we advise you to invest a maximum of 10% of your freely investable assets through crowdfunding (in line with the AFM's advice). We also advise you to spread your investment over several crowdfunding projects.

Depending on the project, interest is paid monthly or quarterly. Interest payments are made in the second (full) week of the month in arrears. You can view all interest payments in your account.

As an investor, you pay a one-off brokerage fee to Crowdrealestate prior to your investment. This is a fixed percentage of 0.45% on your deposit.

As an investor, you have a reflection period of four days after completing the investment. Within this reflection period, you can revoke the investment without giving a reason and without being charged a penalty. The brokerage fee will also be returned.

In the investment process, you need to agree to the terms and conditions and agreement of the respective project. You can easily agree digitally. After completing your investment, the agreements can be accessed via your personal portfolio and will be sent to you by e-mail.

In this case, Crowdrealestate enters into discussions with the project owner to understand the situation and see whether payment obligations can still be met. In extreme cases, this may lead to the enforcement of the securities. Including in any case the mortgage right. The mortgaged property is then sold by means of a forced sale. The funds that become available from this are then distributed to the investors.

Should Crowdrealestate cease to exist, the projects will continue. The money flows are managed by an independent payment service provider and/or a notary, and all securities remain guaranteed by the independent Foundation Collateral Agent Crowdrealestate. Crowdrealestate's financial situation is periodically reviewed by the regulator, which also granted the licence on this basis. Crowdrealestate maintains a reserve in accordance with the European regulation to meet all obligations.

The crowdfunding services offered by Crowdrealestate are not covered by the deposit guarantee scheme. Parties cannot claim the investor compensation scheme in respect of the investments offered.

You will find your investments in your personal portfolio. In your portfolio, you will find all information related to the investments, such as interest paid, the target maturity date and you can consult the annual statements.

Currently, it is not possible to adjust or sell investments in the interim. However, Crowdrealestate is working on enabling these options in the near future. This is in line with the new European licence.

Via the personal portfolio, you can download the annual statements for the relevant year. This statement lists your investments, the outstanding amount on 1 January and 31 December, the interest paid and the (interim) repayments.

In addition to regular projects via crowdfunding, Crowdrealestate regularly offers private-placement investments. These propositions can only be invested in from €100,000 onwards. If interested, you can apply for these at the communication settings in your account.

To comply with new European regulations, Crowdrealestate has partnered with Online Payment Platform (OPP). OPP is an external payment service provider that, on behalf of Crowdrealestate, provides the verification and onboarding process and manages payments. OPP has all the necessary licences to do so and is supervised by De Nederlandsche Bank (DNB).

OPP carries out work on behalf of Crowdrealestate in order to accept you as a customer. We therefore share some data with OPP. You provide additional data yourself. OPP checks and assesses that data. The data that OPP processes on behalf of Crowdrealestate are listed in the Privacy Statement.

PEP stands for 'Politically Exposed Person'. This is a person who holds political office. If a person meets the definition of a PEP, the payment service provider must conduct additional investigations. This is because there is a higher risk of corruption. This person's immediate family members or close business associate are also considered a PEP. Family members of the PEP are the partner, parents and children.

A UBO (Ultimate Beneficial Owner) is a natural person who ultimately owns or controls an organisation. This includes, for example, people who own more than 25% of the shares, or have more than 25% ownership interest in a general partnership. An organisation may have one or more UBOs.

The investor test should be completed by you during verification and onboarding process and it allows you to confirm that you understand and consider the risks of investing. This test helps both you and us to ensure that investments are made responsibly. Regulations state that this test will be offered to you again every two years. The test takes a few minutes and you will receive the results immediately. The result of this test has no implications for investing in new projects.

The simulation test is completely new and simulates the room investors have to bear losses. We will offer this test to you annually in accordance with the regulation. Crowdrealestate believes it is important that investors make an informed decision to invest in a crowdfunding project. The data you enter will never be visible to Crowdrealestate and OPP employees.

No, this is not possible. According to legislation, the simulation test is valid for one year and the investor test for two years. When this period has expired, you will receive a request to complete it again.

An experienced investor is aware of the risks involved in investing in capital markets and has sufficient resources to take on those risks. An experienced investor has the necessary experience, knowledge or financial strength, or a combination of these. Therefore, an experienced investor does not receive an additional risk warning. A non-experienced investor does receive a risk warning when making an investment.

Download the complaint form and send it to klacht@crowdrealestate.com. We will take your complaint without obligation and we will aim to provide you with a solution as soon as possible and keep you informed of progress. We thank you for your feedback and together we will work to improve our service.