FAQ: The questions most frequently asked by our customers: We answer you!

Find out in this article the questions most frequently asked by our customers.

We hope in advance that these will clarify your path and help you to get a clearer picture of our support.

What exactly does SIPA Crowd Immo offer its clients?

We have created an innovative and unique real estate investment model in Switzerland.  By the way, you can consult our concept right here : sipa.swiss/concept/ to learn more.

How can I make my investment?

Here are all the steps to make your investment with SIPA Crowd Immo:

• All your procedures are simplified. You invest easily in real estate.
• In partnership with our mortgage provider, we use our own funds to purchase residential properties in Switzerland, selected according to a rigorous purchasing process.
• You become a shareholder in the limited company created for each acquisition and a co-owner of the building.
• You own a fraction of each flat in the building in which you have invested.
• You benefit from rental income without any constraints and receive your dividends once a year.
• You have the flexibility to sell some or all of your shares at any time.

Our team of advisors is at your disposal, by physical appointment, at your premises and according to your availability.

Who can invest?

Only Swiss citizens as well as holders of a B and C residential permit and nationals of EU and EFTA member states can invest.

Our approach is solely focused on residential properties, subject to the LFAIE (Federal Law on the Acquisition of Real Estate by Persons Abroad).

Ardon investment project: What does this shareholder loan mean? Who is lending to whom?

For the acquisition of the property in the municipality of Ardon, SIPA Crowd Immo granted a loan to “SIPA Crowd Immo VS4 SA” as “own funds” to supplement the mortgage.

Do you offer tours of your properties?

We do not offer tours of our properties. However, we provide investors with the address so that they can visit the property. In addition, we send all available information about the property in a downloadable file by email.

As a shareholder, can I live in one of the properties you offer?

Our investors participate in the investment projects in order to receive returns from the rental income but cannot live there.

What is the price of a share? If all the shares are not sold, does your company simply keep a higher stake in the building?

 The minimum investment amount is CHF 49’000 (depending on the investment project). Thus, for example: For our offer in Ardon, the price of a share is CHF 50’779.

The last shares can be kept by SIPA Crowd Immo if no taker manifests himself.

Can a company invest with you?

It is quite possible for a legal entity to invest in one of our properties.

How do you pay yourself?

We receive a commission of 5% on the purchase price and on the increase in value of the property, which includes :

• Property search.
• Project analysis (financial and technical).
• Financing the entire project.
• Administrative and legal management (creation of SA, notary signature, etc.).
• Arrangement of mortgage (guarantee provided by SIPA Crowd Immo).
• Monitoring and reporting on the life of the property.
• Management of annual general meetings and administrative council.
• And much more

Fees are also included in the share sale price.

Is there a market for the resale of shares?

The shares are available for sale at any time.

You benefit from personalised support from our experts in participatory real estate investment. The objective of the process is to establish an optimised action plan, conducive to the sale of your shares to our existing clientele.

The investment period for our properties is estimated at five years.

Can I sell my shares before the end of my investment period?

Yes, you are free to sell your shares at any time. For example, we can offer to acquire the shares on behalf of other shareholders, third parties or on our behalf, at the actual value at the time of the request.

Does your investment strategy include a potential refinancing of the property after a few years if it has increased in value?

A potential refinancing of the property can be considered after a few years to check the value of the property and in particular its potential increase in value.

Are your returns guaranteed?

All our information is indicative and based on historical data.

An investment involves risks. SIPA Crowd Immo recommends that you seek the advice of an investment expert or a tax specialist.

The shareholders’ agreement mentions shares with preferential voting rights, what about these shares?

There are 2 types of shares, A and B with privileged voting rights. We sell all the A shares to the shareholders, i.e. the 100,000 shares, and we keep the 100,000 B shares with preferential voting rights in order to be able to take the necessary decisions for the good management of the building and thus allow the clients to enjoy full peace of mind.

Who manages the properties?

The properties are managed by renowned and established property management companies that are trusted partners of SIPA Crowd Immo. As an investor, you do not have to worry about the management of the property in which you have invested.

What are the differences between shared ownership and condominium ownership?

Condominium ownership (PPE) generally consists of the purchase of a flat. The owner has the exclusive right of use of the property, which gives him/her rights such as the development, sale or rental of the property.

Shared ownership is the purchase of a share in a building; each co-owner holds a fraction of the entire property, with the aim of generating a return (not living in it). The advantages of this innovative concept are numerous (compared to PPE):

• The amount required to invest is more affordable   Whether you want to buy a flat or a house, the minimum amount of equity required by banks in Switzerland is 20%. This means that if you want to buy a property with a selling price of CHF 1,500,000, you need to have a minimum equity contribution of CHF 300,000 (20%). At SIPA Crowd Immo, the minimum amount for an investment in equity is CHF 49,000 (per share).
• The rental risk is lower In the case of a purchase in a condominium, each owner is exposed to a rental risk for his own property. In contrast, in an equity investment, the rental risk is spread over all owners in proportion to their share and over an entire property consisting of several flats. The risk of not receiving any rent (vacancy or non-payment) from a tenant at any given time is low.
• Property management is delegated to experts By investing with us, you don’t have to worry about managing the property. We work with reputable property management companies that take care of the maintenance of the building, the rental of the flats, the collection of rents etc.
• The interests of co-owners are aligned In the case of an equity investment, all co-owners have a common goal of generating returns and receiving dividends, which facilitates decision-making.

What does the item “Provision for loss of rent” mean? Does this refer to possible unpaid rent or vacancy?

The “provision for loss of rental income” includes loss of income from empty premises and loss of rental income.

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Our entire team remains at your disposal to answer any further questions you may have.