Frequently Asked Questions
Want to find out more?
This page holds the answers to your questions about Yeldo.
How does Yeldo work?
Yeldo is a new, simple, smart and profitable way of investing in real estate. Yeldo offers you the opportunity to become a co-owner in selected Swiss properties, investing in a transparent and informed manner. In particular, Yeldo is dedicated to:
- Finding and selecting the best real estate investments in Switzerland
- Providing you a personal consultant to help you choose the right investment for you
- Selecting partner banks and negotiating advantageous financing terms
- Raising the necessary funds to purchase properties
- Coordinating the co-ownership, up to registration on the land register
- Managing the properties during the investment
- Providing you with a secondary market if you wish to liquidise your investment early
But Yeldo is also so much more! If you have any other questions about how we work, do not hesitate to contact us at firstname.lastname@example.org.
Do I have to register with Yeldo to become a co-owner?
Registering with Yeldo is required for full access to all the information and documents relating to a property and to make the actual investment.
Moreover, by registering with Yeldo you will gain access to your own personal area where you can monitor all your investments and receive periodic performance reports. Once registered, one of our experts will be at your disposal to help you choose the right real estate investment for you.
Finally, we would like to remind you that Yeldo registration is free, allowing you to receive our new investment proposals in advance.
Yeldo registration is free, but are there any other obligations?
No, there are no obligations or additional costs as a result of registering with Yeldo. Registration is and always will be free, with no hidden costs or obligations.
What information or documents can I consult directly on
To ensure the confidentiality of the parties involved in the real estate investments we offer, we have created 3 different levels of access to information.
- Unregistered user: access to all pages on the website and basic information on investment proposals (rent, year of construction, property type and purchase price), but no access to the property investment pages containing all the documents for each property. Furthermore, they do not have access to a personal area and cannot receive previews of new investment opportunities.
- Registered user: access to all pages on the website and previews of all new investment proposals, the ability to view and download all documents relating to a property (photos, videos, virtual tours, financial statements, investment analyses, expert reports, cadastral maps and much more). Moreover, they can access a personal area and use the referral tool to get discounts on future investments.
- Co-owner: in addition to all the information mentioned above, a co-owner who has invested in a Yeldo property can view all the contracts relating to their investments as well as quarterly reports on the property's performance.
What is property co-ownership?
Co-ownership means sharing property ownership with one or more individuals. The share of co-ownership is directly linked to the financial investment that each co-owner pays to purchase the building itself.
These shares are entered in the land register, allowing each co-owner to make decisions for their share in the property. In the event that a co-owner intends to sell their share, the law prescribes a pre-emptive right for the other co-owners. In property co-ownership, decisions are taken based upon a majority within the terms of the contract.
Can I become a co-owner of multiple properties?
Absolutely! Thanks to Yeldo, its easy to become a co-owner of multiple properties. Investing in income property through Yeldo is as simple as:
- Registering on the website
- Choosing a property
- Selecting the amount you wish to invest
- Completing and returning all the signed documents sent to your home
At this stage, the bank involved in the transaction will check the origin of your capital, in accordance with anti-money laundering laws, independently from Yeldo. When the checks have been successfully completed, you will be entitled to become a co-owner and make the payment.
Once all the necessary funds have been secured to purchase the property, you will receive a certificate of ownership from the land register that certifies you as the legal owner of a share of the property.
Finally, through your personal area you can manage and monitor all your investments, review any documentation or the status of investment requests, whenever and wherever you are.
If I have any further questions about properties, who can I contact?
Yeldo provides you with a personal consultant who will answer all your questions in detail and who, if you wish, can advise you on an investment strategy to best suit you.
In addition, you can always contact us at email@example.com.
What is the minimum amount you can invest in a property?
Normally the minimum investment on Yeldo is 50,000 CHF. However, the amount may vary depending on the total value of the properties on the platform.
What happens if a property does not reach the investment target
due to a lack of investors?
On Yeldo, every investment is subject to raising the necessary means to purchase each property, as indicated in the property details page.
Consequently, if the target is not reached by the deadline indicated on the details page, the investment itself will expire.
In this case, Yeldo will return the entire sum paid to the investors, by means of the bank account provided (without the burden of costs and without any recognition of interest rates).
Which property investment documents can be viewed in advance?
By registering with Yeldo, you can find all the information for each property in the section dedicated to real estate investment proposals. You can then access images and videos, a financial overview on the investment and any relevant analyses, all the documents relating to the property such as land register/notarial documents, as well as the investment conditions for each individual property.
But it doesn't end there: if you are interested in investing in a property, just click on the "request documents" button and all the documentation will be sent to your home!
Can I see the property in person before investing?
Absolutely! After registering, you will have a personal consultant at your disposal who can accompany you to view the property and who will provide you with all the necessary information in order to guarantee a transparent and informed investment choice.
How do I know the market value of a property found on Yeldo?
All the real estate investment proposals you find on Yeldo are subject to rigorous analysis and a 3-step selection process:
- Internal valuation: all the investment proposals we receive are scrupulously analysed by our in house team with the aid of a real estate analysis system developed by Yeldo. Only 1 proposal in 10 progresses to the next step.
- Valuation by companies specialising in property valuation: we then turn to independent companies, widely recognised in the Swiss real estate market, to conduct a detailed assessment of the properties we oversee.
- Bank valuation: finally, we rely on credit institutions to carry out their own appraisals and consequently decide whether to provide financing for the property.
All these documents can be consulted on the investment details page, together with the market value of the property.
Finally, it should be stressed that all the properties that we publish on our platform are reserved using a deposit put forth from Yeldo. Therefore, by selecting the right property we are able to guarantee solid and profitable investments for our clients, as well as ensuring that our company will grow in the future.
How is income paid?
Income is paid monthly directly into the bank account you provide.
I don't have any experience with co-ownership investments.
Can I still make a real estate investment using Yeldo?
Absolutely. Yeldo aims to make the property investment market accessible to all, especially those who have not previously had access to this type of investment proposals or who did not know they existed.
In addition, our team works hard to provide you with detailed information and documents for each individual proposal and to ensure that you have a clear understanding of each property.
If you have any questions, our consultants will be happy to help you.
Are the properties purchased using only the co-owners' equity
or are there also mortgages?
Generally speaking, the property purchases on Yeldo are financed at least partially through a mortgage. The mortgages usually cover between 50% and 60% of the total purchase cost.
As a co-owner, do I have joint liability with the bank that issued
Absolutely not. Thanks to the exclusive agreements reached with Yeldo's partner banks, we have made sure that each investor is not jointly liable with the others, but is instead liable in proportion to their ownership share in each property.
When I become a co-owner, I am registered on the land register.
Does this involve additional costs?
No, with Yeldo you will never be required to pay any additional costs for the investment you make. The ancillary costs, such as those required for land registration or legal and notarial costs, are included within the property's total purchase price.
These ancillary costs, together with operating costs and Yeldo's fee, are included in the total purchase price to avoid charging our investors any additional costs.
Are there any additional costs on top of the amount paid for
the property investment?
On Yeldo there are no additional costs above and beyond the amount each client decides to invest in a particular property.
The ancillary costs related to each property are included in the purchase price of each property. The ancillary costs include notarial, land registration, legal, and appraisal fees for third parties (called "third party costs and taxes" in the contracts) and "operating costs" to cover the expense of coordinating investors, the management of payment flows and costs related to producing the information packs for individual properties. These costs, together with Yeldo's fee, are part of the total purchase price of the property, allowing us not to charge our investors any other additional costs.
Which documents are issued to certify my co-ownership of the property?
All co-owners receive a copy of the land register deed issued by the relevant office.
The copy of the land register deed is sent to investors as soon as the property ownership has been transferred. This document confirms the legal ownership of a share of the property, in proportion to the investment made in the co-ownership.
It is possible, on request and for a fee, to receive an original copy of the land register deed.
Who manages the property after the purchase of the property?
What documents do I receive about its management?
Following the purchase, Yeldo manages the property, freeing you from any annoying setbacks that are connected to managing a property.
For property management, we rely on external specialists. Our partners are recognised throughout Switzerland and, thanks to our close connections with local companies, we can guarantee a high standard while keeping management costs at a reasonable level or even lower than market prices.
By investing in one of the real estate investment proposals on Yeldo, you will receive quarterly reports on the property's performance. Moreover, you can monitor all the transactions and documents relating to the property in real time via your personal area on the platform, ensuring complete transparency.
Finally, once a year you will be invited to take part in the online co-owners' meeting.
What taxes will I need to pay if I become a co-owner?
The income derived from real estate co-ownership shares must be declared according to the tax regulations established by the canton in which the property of which you are a co-owner is located.
Therefore, in the event that you decide to invest in properties located in your canton of residence, the income will be subject to the same tax regulations as other income generated within the same canton.
On the other hand, if you acquire real estate co-ownership shares in cantons other than your canton of residence, you will generate a tax debt based upon your share of the co-ownership and the income derived therefrom. This tax will be determined by the legislation in force in the canton where your co-owned property is located.
What should I do if I want to sell my co-ownership shares?
To offer all Yeldo investors a chance to liquidise their property investment simply and quickly, we have created a secondary market. We have combined all our technological and financial skills to create an innovative and easy-to-use platform.
Within the secondary market you can find investors waiting to join investment proposals that have already been concluded and quickly sell your co-ownership shares directly through our platform.
In addition, if you decide to sell your co-ownership share, contact us and we will be happy to help you with a personalised service.
It should also be noted that, when selling your co-ownership shares, the other co-owners have a pre-emption right for 14 days. Once this deadline has expired, the co-ownership shares may be freely transferred to third parties.
What happens to the security fund when I sell my shares?
If co-ownership shares are sold before the investment period has concluded, your share in the security fund is generally added to the selling price of the shares and transferred to the new co-owner.
On the other hand, if the sale affects an entire property the security fund is redistributed between the respective co-owners in proportion to their investment.
How long will I need to keep my property investment active
before I can sell my shares?
Investments made through Yeldo do not have a minimum period before you can sell your co-ownership shares. However, negotiation is naturally one of the determining factors affecting the selling price in favour of the new co-owner.
Our secondary market provides the best conditions for the sales process, making it sleek and efficient.
However, it should not be forgotten that the proposals on Yeldo are generally medium to long-term investment proposals, so if you want to maximise your profits, we advise not selling your co-ownership shares within 6 months of buying them.
Where is my investment credited to?
For each new property, Yeldo opens a bank account with the financing partner bank of the acquistion. The investor will then make the payment to this account within 15 days of Yeldo receiving the account details.
What are the diversification options with Yeldo?
Yeldo also allows wealthy investors to invest large sums in multiple properties. The danger of vacancies and loss of income is therefore drastically reduced, as is the risk of decrease of real estate prices in a particular area of Switzerland. Moreover, with Yeldo you will not waste any of your time managing one or more rental properties, allowing you to maximise your profits.
On the other hand, thanks to a minimum investment plan of 50,000 CHF, Yeldo offers investors who cannot purchase individually a rental property due to equity requirements in such investments.
What exactly is the role of Yeldo?
Until now, only wealthy or institutional investors have had access to sound real estate investment proposals.
Yeldo's goal is to bring democracy to the real estate investment market, making it accessible to an increasing number of investors. With Yeldo, investing in multiple properties is no longer a problem.
Yeldo can also be used as a diversification tool for real estate investments for investors with greater financial resources: with Yeldo you can invest even large sums across various properties, drastically reducing the risk of lost profits.
Our team of experts is constantly adding new properties to our platform by means of a very rigid selection process that guarantees safe proposals.
This continuous flow of investment proposals allows anyone to invest in the real estate market, generating an excellent annual yield with the certainty of being registered on the land register as the co-owner of residential or commercial properties.
Within each investment's details pages you can find all the information laid out in a transparent manner: after selecting the amount you wish to invest, you can receive all the documentation related to the investment proposal right to your door in just a few clicks. Moreover, Yeldo provides a personal consultant who will guide you throughout the pre- and post-investment process.
For more information visit our page: www.yeldo.com/learn
Is Yeldo regulated by FINMA?
No, as Yeldo is neither an investment consultant nor an investment fund manager, it is not regulated by FINMA.
Yeldo is an online platform dedicated exclusively to putting supply in touch with demand within the real estate market. Consequently, the purchase and ownership of one or more co-ownership shares in a property found on www.yeldo.com is not subject to the Federal Act on Collective Investment Schemes (CISA).
How does Yeldo earn its money?
When finalising the purchase of individual property investments, Yeldo collects a commission that is among the lowest on the market, made up of two parts:
- Fees: Yeldo collects a fee when registering investors as new co-owners of the property on the land register. This is equal to 3% + VAT and reimburses the company for the following activities: preliminary research, analysis and negotiation of the property purchase prices; finding and selecting properties; negotiating with banks for credit; and looking for investors.
- Operating costs: to compensate Yeldo for providing the necessary services for investments, such as producing the contracts and documents related to the investment, writing the information packs for each proposal and coordinating investors and credit institutions, as well as the management of payment flows, the back office and help desk.
These costs, together with ancillary costs such as notary and registration fees, stamp duty and representation in public documents, make up the property's total purchase cost.
What types of properties can be found on Yeldo?
On Yeldo you can find both residential properties and commercial properties located throughout the Switzerland. Yeldo primarily selects properties that have been built or renovated recently, already have an income and are located in areas with good access to everyday services.
Does Yeldo acquire co-ownership shares on individual properties?
No, Yeldo never acquires real estate co-ownership shares in order to avoid any possible conflict of interest.
However, as proof of our faith in the properties that we offer our investors, Yeldo pays a security deposit to hold the property, putting its own capital at risk.
Yeldo is reimbursed once the all the funds for the property have been raised successfully. If, however, all the funds cannot be raised, Yeldo loses its entire deposit.
What happens to my investments if Yeldo closes down?
Investing with Yeldo is simple and safe because even if Yeldo no longer exists, you would not lose your co-ownership shares in a property.
In fact, you are entered on the land register as a co-owner and therefore own a share of the property in proportion to your investment. Therefore, in the event that Yeldo no longer exists, the only burden you would face would be selecting a new company to manage your property for you.
This high level of security really sets Yeldo apart from other real estate funds, and is one of the key strengths behind our investment opportunities.
How does Yeldo find its properties?
Our team is made up of professionals who have been working in the real estate and financial sector for years. We therefore have an extensive network of contacts that gives us early access to all the best real estate investment opportunities in Switzerland.
Every day, we receive new proposals for high-value real estate investments. However, all our properties are subject to a rigorous internal and external selection process, in order to guarantee our investors the most solid investment proposals.
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