Crowdli Review

4.2
62 votes
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Introduction Crowdli

CROWDLI* was founded in August 2016 by Felix Helling, Raphael Hagspiel and Roger Bigger. 

Concept, idea generator and co-founder Felix Helling found his way to Switzerland after completing his university studies for housing and real estate management in Germany in 2007. He spent his first years in Switzerland with leading companies with a focus on the marketing of commercial properties. He completed the MAS Real Estate Management course at the Lucerne University of Applied Sciences, which he completed in 2014. Felix runs the business of CROWDLI Management AG with a lot of heart and soul.

Roger Bigger is the cofounder of CROWDLI and has been on board since the beginning. Roger is a versatile entrepreneur in financial investments and the real estate world. In his free time, his heart beats for football.

First security token

This firm is the first security token globally that connects the benefits of direct and indirect property investment by taking away inefficient factors, unnecessary fees, and the absence of honesty.

Crowdli is a digital subordinated bond that digitizes the bond and the basic property. The idea behind Crowdli is to bring a breath of fresh air to the investment fund industry.

The digital bond lasts for twenty-five years, meaning that the bond reaches maturity in 2044. Investors buy bonds in Francs, EUR or Ethereum and can pick which assets to assign to. Allocation is available for change at any given time.

The client has to make a pick between CRT-Cash (rental income in cash which is paid out each month) or CRT-Reinvest (monthly reinvested money). When it hits the maturity period, the lender gets part of the portfolio value by a minimum of seventy percent of the whole value of the bonds held by Crowdli.

The company offers enticing investment opportunities in Switzerland.

Overall review

Advantages

  •  Investment amounts from CHF 10,000
  •  Return payments every 3 months
  •  Properties checked by experts

Disadvantages

  • No negative sides
  • Print Screen homepage

The platform 
4.2 Stars

The platform enables the brokerage of real estate capital investments in the form of co-ownership shares over the Internet. 

After the successful brokerage of real estate investments, CROWDLI takes over the asset management, i.e. the owner representation of the co-owner association. CROWDLI is at no time the owner of the real estate investments offered on the crowdli.ch platform. CROWDLI only arranges verified real estate investments from third parties for purchase via the platform. The offer of objects in the previous possession of persons and companies, which are connected with CROWDLI, is possible. In the case of such objects, however, this fact is explicitly disclosed.

Crowdli boasts many benefits, such as:

  • Backed by Property: Bond secured from inflation that has the biggest yield. The priority European properties also offer steady growth and healthy yields.
  • Designed for Institutional Investing: CRT is the first ISIN token around the globe. This is also suited for utilization by fund managers in conjunction with conventional funds.
  • Personal Property Portfolio: Those who hold CRT tokens may configure their own portfolio by just assigning tokens to the properties that are available and by selecting the type of income capitalization.
  • Liquid, fast and flexible: CRT has a low threshold for investment, accepting Francs, Euros and Ethereum. It’s also easy to manage and has regular liquidity.
  • Reliability and Compliance: The token is completely in line with the requirements and has a qualified, knowledgeable employee group.
  • No withholding tax: There is no such thing for holders of tokens. No premium is expected compared to other property funds.

Crowdli offers the chance to become a co-owner of a real estate asset that lets you profit from lofty returns of 5-7 percent per year. Crowdli offers a new way to take part in the investment marketplace, thanks to its property funds, bonds and property stocks.

CROWDLI takes on the following tasks for its customers:

  1. Provision of the online platform for successful crowdfunding of real estate
  2. Selection of suitable real estate with sustainable potential for returns
  3. Complete organization when purchasing the property (provision of all necessary documents etc.)
  4. Representation of the co-owners association
  5. Assignment and control of the property management
  6. Payment of the returns according to the respective value quota from the property account to all co-owners
  7. Support in the sale of individual co-ownership shares, if an investor wants to leave the community prematurely
  8. Dissolution of the co-owner association, if the community wants to sell the property

What does it offer?

  • You can trade attractive Swiss properties

How to get started? 

Additional fees:

The broker’s fee for CROWDLI (3.0% excl. VAT of the purchase price), the processing fee (0.6% excl. VAT of the purchase price), land registry and notary fees, if applicable, you will get the cooperative share at the Raiffeisenbank (CHF 200) as well as the fees for the establishment of a mortgage note.

The legal and escrow costs, as well as the costs of the independent real estate appraiser, are paid by CROWDLI from the processing fee of CROWDLI. All ancillary purchase costs are already found in the case of a new real estate offer.

How does the process work?

  • You sign up and get verified:
    • Follow the registration steps, enter your details, upload your passport or ID card, think carefully about how much and in which object you want to invest. You will be continuously informed in your account via a message about your personal status line in the investment process and thus keep track of things.
  • You pick real estate projects you like and check documents
  • You sign your documents and get them certified
  • You are now a co-owner, voila! Get ready for those returns!

Crowdlitoken maintains strict legislation and will allow just those investors who have been properly verified for the duration of the onboarding procedure and then for the duration of secondary trading on crypto exchanges. The CRT accepts as token holders only those individuals who comply with the following:

  • People defined in compliance with KYC rules implemented by Crowdlitoken and its custodian bank.
  • People are defined to be totally compliant with Anti-Money-Laundering (AML) laws under the rules.

To comply with the above requirements, the CRT has implemented a two-phase ID method that can be accessed on the landing page. The KYC/AML framework itself uses blockchain to keep track of each subscriber, its own assets, and minted tokens.

  • Phase 1: Identification of every subscriber
  • Phase 2: Improved investment recognition based on video for amounts more than CHF 5k

For token holders with more than CHF 100k, additional statements are made based on the capital invested.

The digital bond lasts for twenty-five years, meaning that the bond reaches maturity in 2044. Investors buy bonds in Francs, EUR or Ethereum and can pick which assets to assign to. Allocation is available for change at any given time.

The client has to make a pick between CRT-Cash (rental income in cash which is paid out each month) or CRT-Reinvest (monthly reinvested money). When it hits the maturity period, the lender gets part of the portfolio value by a minimum of seventy percent of the whole value of the bonds held by Crowdli.

Regulations

  • You can trade properties located in Switzerland.

Risks and securities

The company guarantees a secure transaction process with a renowned law firm.

The CROWDLI model passed an assessment by FINMA in 2019. Crowdli deliberately chooses the transaction process via an ESCROW agent (trustee). Thus, the money of the investor who invests more than CHF 50,000 is protected if the crowdfunded amount is not found at the time defined in the purchase contract. The ESCROW agent can only transfer the funds to the financing bank or back to the investor. CROWDLI itself does not come into contact with the money during the transaction process and has no access.

Their fee model is simple. They charge 3.0% excluding VAT as a classic broker or agent fee. In addition, they charge 0.6% excl. VAT for the transaction process including appraisal, ESCROW agent and legal fees. The fees are therefore very clear and transparent. The absence of any form of performance-related fees prevents conflicts of interest from arising.

There is no bank directly involved in the company. Their independent valuation partner PricewaterhouseCoopers also does not occupy a strategic position in the company.

Customer Service

  • Competent employees are available at any time for support
  • You can book a consultation using the contact field. In a personal or virtual conversation, the team can explain everything to you in peace and in detail. If you have any problems or questions, feel free to contact them by email at info@crowdli.ch or phone 052 511 80 58.

Conclusion

CROWDLI brokers have co-ownership shares directly held investment properties via the crowdfunding platform crowdli.ch. CROWDLI only selects properties in tested locations, in a suitable condition and good rentability. In addition, the investment property is independently valued by an external appraiser. In the transaction, the investors will be represented by an external law firm. After the successful crowdfunding, local property management takes care of the property on-site. CROWDLI is reliable and available to investors at any time as the owner’s representative and pays out the pro-rata returns every 3 months.

*Website reads only in German

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