Banking level of collateral

Rezidenční bydlení Libochovice – 3rd tranche

This is the third tranche of the project.

Basic yield
% p.a.
Total amount
mil. CZK
Collateral value
mil. CZK

About the project

🟢 Current status: Construction is running smoothly; currently, the completion rate is at 78%. The work on internal plastering and drywall structures is in progress. SO 01 and SO 03 are being completed, SO 05 is 80% complete, and SO 07 is 20% complete. Heat pumps are installed in all houses. All garages are at the same completion stage - garage doors are now fitted, and facade plastering is completed. Exterior improvements are underway - interlocking paving and planting of greenery.

This is the third tranche of the project. The project aims to finance a construction in progress, that’s been financed from the partner's resources up until now. The project involves the construction of four separate houses of 3 units with a layout of 4 + KK, each with its garage and garden. All units are designed with an emphasis on simplicity and practicality. Thus, the project perfectly blends into its surroundings and, at first glance, only stands out somewhat from the surrounding development. The project is located in Libochovice near the memorable Mount Říp. The pre-sale of the residential units has already begun, and the final sale is scheduled for the end of 2024. More information about the project can be found on the official website.

  • Location: Libochovice
  • Partner: Rezidenční bydlení Libochovice s.r.o.
  • Financing: from the sale of real estate securing the loan or by refinancing from a bank loan
  • LTV: 60%
  • Security: The loan in the total amount of the 3rd tranche of CZK 8,588,248 is secured by real estate worth CZK 58,762,080 (LTV 60%). In this 3rd tranche, we are collecting CZK 8,588,248.
Security of payment:
  1. Lien on immovable property Land plots No. 460/13, 460/138, 460/143 and 460/144, 460/115, area: Libochovice, LV 1509
  2. Lien on business share Rezidenční bydlení Libochovice s.r.o., ID No. 08696349
  3. Personal guarantee MICHAL KOŠEK, born 9 January 1985, RADEK OPOČENSKÝ, born 27 August 1969
  4. Notarial deed with direct enforceability clause.
Financing of the project

After successful project financing, the partner has 32 months to repay the loan's principal.

Information on the partner's options for early repayment of the loan is provided in Part D, bullet (d) of the Key Investor Information Sheet (KIIS).

Information regarding the risk score of the project can be found in the Risk Scoring Table.


Rezidenční bydlení Libochovice s.r.o.

Identifier: 08696349

Address: Vladislavova 46/3, Praha 1 - Nové Město, 110 00, CZ

Register: Registered in the Commercial Register under file number C 352662/MSPH Municipal Court in Prague.

More information about the partner:

This project is provided as a developer by Rezidenční bydlení Libochovice s.r.o. This company was established in 2019, and the managing director is Michal Košek. The partner has a wealth of experience, having already implemented the development of 38 building plots and the subsequent construction of 20 family houses in the locality of Chrast u Mlada Boleslav. Other reference projects include, in particular, the structure of terraced houses in the municipalities of Býkev, Chotětov, and Luštěnice, where he acted as a general contractor and investor.

Frequently Asked Questions

When do I get paid my profit?

You will be paid the first profit one month after the amount you have collected has been sent to the project partner, and every month thereafter for the duration of the investment, always on the same day.

Is the interest rate fixed?

Yes, the interest rate is fixed, i.e. unchanging. We believe that the stability of the portfolio will bring more certainty to investors.

Is the investment secured by real estate?

Yes, the investment is secured by the property on which the lien is attached. Should any problem arise, the mortgage on the property will be used, the property will be sold and our investors will be paid.

What are the possible risks?

It may happen that your partner stops repaying his/her loan. At this point, we initiate recovery proceedings and demand payment of all debts. In the worst case scenario, the property on which the lien is placed may be sold and we will pay our investors a pro rata share based on how much they have invested.

What happens after I invest?

Your investment contributes to the amount you want. Once the amount is collected and the cooling-off period has elapsed, we sign the pledge agreements and send the amount to the partner, who then implements the project and makes monthly interest payments. Should the required amount not be collected, we return the full amount of your investment back to Investown's wallet.

What happens to the amount collected?

Once the full amount required is collected and the cooling-off period has expired, we sign the pledge agreements and send the amount to the partner, who then implements the project and makes monthly interest payments.

What if I want to end the investment before the full length of the investment has expired?

In case you need to end your investment early, you can offer it to other users on the Marketplace. Any verified user can buy it from you.

What happens after the investment period?

At the end of the investment period, all the money you invested will be returned to your Investown wallet, where you can either withdraw it to your bank account or reinvest it in a new project.