You want to invest in real estate in Switzerland in order to build your wealth (whether you are an individual or a company). If your future projection seems confusing, there is a reason…
Most certainly that of knowing how to finance your real estate project without going through the « bankruptcy ». Let’s be honest and talk about the economic context.
According to the Federal Statistical Office, the real estate price index rose sharply in the second quarter of 2021, with prices for owner-occupied homes rising by 7.3% and for owner-occupied apartments by 6.7%.
In 2022, this trend, unfortunately, continues with the Ukrainian-Russian conflict. In just ten years, the price of single-family homes has increased by more than 30% and condominiums by more than 40%.
Faced with this reality, the objective of investing seems to be compromised or at least delayed, if we take into consideration low interest rates, government bonds, and the ever-increasing demand versus supply.
And yet… There is an alternative. To offer you access to property, thanks to participatory shareholding of a real estate company.
At the end of this article, you will have all the useful information you need to know about participative investment in Switzerland and why it represents a real opportunity for you.
Presentation of SIPA crowd immo
SIPA crowd immo revisits traditional real estate crowdfunding.
The company acts as the independent alternative to real estate investment in Switzerland.
We create value for our customers, our partners and our employees. The expertise and excellence of our services motivate us to offer services specially designed to meet the needs of our customers.
Our unique concept: a real value proposition for our customers
Choosing to invest with SIPA crowd immo, offers you the opportunity to benefit from a made-to-measure service with a unique, profitable and unlimited concept.
Simplified administrative procedures
We buy investment properties and take care of all the administrative, legal and mortgage-related aspects of their acquisition.
You therefore benefit from rental revenues without any constraints.
Become a shareholder of the company created
A limited company is created for each operation (and will own the property). Thus, a limited number of investors acquire a part of this company for a minimum investment of CHF 49’000.
You become shareholder of the company and indirectly co-owner of the building.
The rental risk is reduced
You become a co-owner and own a fraction of each apartment in the building in which you have invested.
However, if one of the units remains vacant or if one of the tenants fails to pay rent, you continue to receive rent from the other apartments. This is called the dilution of the rental risk.
On the other hand, if you are the owner of an individual apartment in PPE, you lose all the rental income and continue to pay the charges.
Dividend payments
A general meeting is held once a year, after which you are paid a dividend in proportion to your investment.
The investment period
An investment period equivalent to 5 years is envisaged. Nevertheless, our customers can sell some or all of their shares at any time.
Our singularity with regard to crowdfunding is illustrated by the ownership of the buildings proposed in the name of SIPA crowd immo or of the company created when the mortgage is concluded. Indeed, we are fully committed to each project because our SAs own each building. This means that we invest our own funds in the creation of each project.
What are the benefits for our customers?
Let us introduce you to your advantages by explaining our customized service:
- First of all, we carry out the research of the property as well as the financial and technical analysis of the buildings;
- We proceed to a rigorous purchase process, in which we gather all the ideal criteria to optimize your return (selection of a residential building in French-speaking Switzerland, quality of new construction or in very good condition, location near amenities)
- Then, as mentioned above, we create a limited company;
- We start the financing in partnership with one of our mortgage providers, as well as by investing a portion of our own funds.
- We take care of the acquisition of the property, the administrative and legal management;
- We propose to open the project to investors;
- We take care of the management of your property, then a general meeting is held once a year to pay your dividends.
Thus, you benefit and receive attractive and stable returns between 5% and 7% net per year.
In addition, you are the big winners of the negative evolution of interest rates, conducive to creating an environment that favors real estate investment in Switzerland.
Make a added value potential in the medium/short term thanks to a turnkey investment And personalized follow-up.
Your procedures are simplified
We own the property as soon as we propose the project to our clients.
We simplify the process and ask you to sign only the share purchase agreement And the shareholder agreement.
Your identity is preserved because it is the limited company that appears in the land register.
How is the property management carried out?
The administration regulations: The shareholders’ agreement signed by the investors determines the relationship and the rights of each party.
Administrator: We retain the responsibility of administrator and make strategic decisions contributing to the development of the building.
The General Assembly: Shareholders participate in major decisions during an annual general meeting held in person or by mail. Our clients thus have at their disposal documents specific to the management of their project and useful for their tax returns.
Monitoring of your investments
Get a regular monitoring of your investments. The annual accounts will be sent to you at each general meeting.
Great flexibility in the transfer of shares
The duration of the investment is envisaged to be approximately 5 years. However, the shares are not blocked during this period and can be sold at any time.
We will be able to accompany you in this process in order to propose your shares to our existing clientele within the framework of the facilitation of the resale.
The regulation in value
Count on a 100% compliant business model.
Who can invest?
- Swiss citizens ;
- Holders of residential permits B and C, EU or EFTA nationals;
- Companies domiciled in Switzerland.
Our team is dedicated to your needs
We attach great importance to accompanying you from A to Z in the investment process of your project. Our division « Customer Relations » is available and dedicated to listening to you. Take advantage of the possibility of organizing a physical meeting with our Real Estate Manager during a trip or in our offices located in Lausanne.
Trusted partners
We are fortunate to have collaborated and built a relationship of trust with a large number of local partners and actors such as real estate experts, management companies, banks, notaries and tax specialists.
SIPA Real Estate in figures
- We have made a transaction volume of CHF 30 million.
- We have sold 6 buildings.
- We offer a net annual return of 5 to 7%.
- You access the property for a minimum amount of CHF 49 000.
Participatory shareholding is a great alternative because you become a co-owner of a building at a lower cost and benefit from rental income without having to worry about administrative and financial procedures and mortgage relations.
Remember: You are not jointly and severally liable for the full amount of the mortgage.
You benefit from a privileged and stable return of 5 to 7% net, supported by the experience of trusted partners. Our tailor-made accompaniment assures you the quality and the optimal flexibility of the realization of your high-yield real estate project.
Take advantage of our exclusive offers and position yourself now on properties with high potential.
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