Banking level of collateral

Rodinný dům v Divišově – 5th stage

The partner will use the funds raised to refinance the existing loan and for construction activities within economically related groups.

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

About the project

The partner is currently completing the construction of a family house in Divišov.

The family house has a garden and a unique view of the surrounding landscape. The property is located in an excellent area with good transport accessibility a few kilometers from the D1 highway. The neighborhood consists of a residential area of standard and slightly above-standard houses. The property is at the top of the terrain and has unique and distant views of the surrounding countryside.

The construction of the house is carried out to a superior standard using high-quality materials. To complete the property, a small part of the internal doors with frames, 2× recuperation unit installation on both floors, completion of the pool extension, external stairs to the house's main entrance, and fencing of the property are required.

Security of payment

The loan in the total amount of CZK 21,700,000 is secured by real estate worth CZK 31,000,000 (LTV 70%). At this stage, we are collecting CZK 2 084 000


  1. Lien on the real estate: parc. no. 1117/86, 1117/117, which includes the building of a family house, no. p. 418, k. ú. Divišov u Benešova. Registered on LV 1143 in the cad. Divišov u Benešova, municipality Divišov, district Benešov
  2. Lien on the business share: VIKTORIJA develop., s.r.o., ID No.: 10684026
  3. Client's note with aval: VIKTOR PAVLOV, born on 6 February 1978, Pavlova Liudmyla, born on 17 February 1978
  4. Notarial deed with direct enforceability clause.
Project financing

After successful project financing, the partner has 36 months to repay the loan's principal.

The partner will finance the project from the sale of the property, securing the loan or by refinancing from a bank loan.

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

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


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.