Frequently asked questionss

• Investments placed on the platform are secured by the initial pledge of real estate (mortgage) in favour of investors. The initial pledge always gives investors priority to compensation after the sale of recovered property;
• Before projects are presented to investors, Röntgen performs a risk assessment procedure. Exclusive attention is paid to the client’s financial situation, the present value of the property, development plan, developer's experience and reputation, asset liquidity, etc. A lot of projects we value do not even reach our investors because they often do not meet our risk management requirements. Statistically, only 1 out of 20 investment projects enter the platform;
• Investors can diversify their investment portfolio by channelling funds into several different projects, thus reducing the dependence on the success of a single project;
• Röntgen carries out project search, selection, and supervision until the repayment of the investment. We ensure that the investor would be only minimally involved, and in case of necessity, all required information would be easily accessible.
• Röntgen investors can always diversify their investment portfolio by allocating funds to different real estate and aviation projects to reduce potential risks.

Your investment return on the Röntgen platform depends on the size of your investment and the annual interest rate applied. Before you choose the size of your investment (minimum investment is €100), you can use the investment return calculator, which gives you an indication of the possible return.

Please be advised, the calculator is intended as a preliminary evaluation and is a tool of an illustrative nature only.

It is important to note that all Röntgen investments (both A + and D-) are guaranteed by the initial pledge of assets, which guarantees a partial or full investment recovery if the project owner would become insolvent. As a result, the risk rating reflects not the risk of losing the entire investment, but the risk that the project may face difficulties and take longer than planned.

It is important to note that all Röntgen investments (both A+ and D-) are secured by a first charge on the property, which guarantees full or partial recovery of the funds in the event that the project owner becomes insolvent. The risk rating does not reflect the risk of losing the entire investment, but rather the risk that the project may encounter difficulties or delays, i.e. that the repayment of the loan will be later than planned.

The platform represents investors in all processes from project selection, notarisation of real estate mortgages, supervision of projects during their progress or in case of loan delays.

Because all Röntgen investments are secured by a primary pledge of assets. The collateral is always 30-40% more valuable than the loan, ensuring full or at least partial recovery in the event of the project owner's insolvency, making a total loss of the investment difficult to achieve. However, investing always entails the risk of losing part of the investment or facing a default on the loan.

Until the transfer to the project owner, the money is held in the restricted electronic money account. These funds cannot be used by the project owner, nor the platform operator. They are transferred to the account managed by the developer after the implementation of the obligations, according to a pre-agreed schedule.

In case the required amount has not been collected within the set period, all investments will be refunded to the investors' accounts from which the payments were made.

Money is paid out according to a pre-agreed schedule. Usually, payments will coincide with intermediate property valuations, and verifications of construction cost estimates carried out during the project. After the assurance has been obtained that the value of the project is increasing and the money allocated previously was spent on the development, the next payment will be made.

Before projects are submitted to investors, Röntgen carries out an analysis that evaluates the business plan submitted by the project owner, an independent valuation of the property and information from other sources. Considerable attention is paid to the current value of the property, the development plan, the experience of the developer, the liquidity of the property, etc. This procedure, like the Röntgen project risk score, is a project overview and should not be seen as an investment recommendation. All Röntgen investments are secured by a first charge on the property, which ensures full or partial recovery of the funds in the event of the project owner becoming insolvent, so the risk of losing your entire investment is very limited. However, investing always entails the risk of losing part of the investment or facing loan repayment delays.

Usually, investors will get back their funds from the sale or lease of a completed project or by refinancing the finished project at the bank.

We keep in touch with the borrower during the entire project. Therefore, possible difficulties related to the repayment of the loan are determined a while before the repayment date. Having noticed that the project owner comes across difficulties, we take necessary actions and work together to find the best solution acceptable to all parties.

Based on the circumstances, the following actions are taken:

1. Loan term extension. It is done when we can conclude that the project has encountered only temporary difficulties (e.g., sales are carried out but only at a slower pace than it was planned) and the loan will be repaid. In such an event, investors are granted an interest bonus for the delayed period;
2. Judicial debt recovery is launched by carrying out property seizures and involving debt collection companies, courts, or bailiffs.
   The investor never has to participate personally in the debt recovery process, Röntgen represents investors in all stages of the debt recovery process and constantly informs them about developments.

If necessary, Röntgen investors have the opportunity to sell their active investments on the secondary market. However, how quickly you manage to sell your investment is highly dependent on your expectations. Please note that the platform does not guarantee a successful acquisition process in all cases.

To initiate the process of selling the investment you only need to click the “sell” button on your active investment. Upon receipt of your request, we will immediately introduce the acquisition option to the potential buyers by striving to complete the transaction.

In addition, this year a new secondary market system on the platform will be launched, which will be more active and functional. So if there is no hurry to sell your investment, there may be a chance to get better terms of sale.

All investments on the platform are made directly between the project owner and investors. The platform is only a technical tool enabling to carry out transactions; therefore, all contracts would continue to be valid as scheduled

The reflection period applies to investors with no experience. This means that within four calendar days, inexperienced investors can change their mind and withdraw their investment. The four calendar days on the Röntgen platform start from the generation of the investment contract.

You can withdraw your investment within four calendar days of the investment contract being generated. Click on the Cancel button next to your investment and all money will be returned to the account from which you made the investment.