Fintown
Czechia · Immobilier · Créée en 2022
Notre score
Rendement moyen
12,0%
maximum annoncé
Régulation: Not licensed under ECSPR
Lien partenaire — nous pouvons percevoir une commission, sans coût supplémentaire pour vous. Cela n'influence pas le score ci-dessus.
Notre verdict
Fintown finances rental and development property of the Vihorev group, its own parent, mostly in and around Prague. The buildings are real, named and operating, rental lots pay monthly interest, and the Early Exit 2.0 rules give a defined — if costly — way out after six months. But the platform is unlicensed, your claim is against Fintown s.r.o. rather than the borrower, and that company reported negative equity of EUR −0.29 million at the end of 2024. The loans are mezzanine and usually unsecured, so a senior bank is repaid first, and the record since 2022 covers only a rising Prague property market.
Lire notre avis complet sur FintownRégulation, rendements, frais, risques et notre verdict, en détail (en anglais).Ce qui fonctionne
- Named, operating Prague rental buildings with published occupancy figures, rather than abstract loan pools
- Monthly interest on rental lots (8–11% on 21 September 2026), with minimum terms from 6 months
- No platform fee for investors; only small charges for wrong deposits and repeat same-day withdrawals
- Early Exit 2.0 (since 6 March 2025) sets out exit fees and timing in the terms, and more than EUR 12 million of principal has been returned without a reported default
Ce qui ne fonctionne pas
- Unlicensed: no ČNB supervision, no ECSPR authorisation and no compensation scheme
- The platform, the lender of record and the borrowers all belong to the Vihorev group, so Fintown would be enforcing against its own parent's projects
- Your claim is against Fintown s.r.o. (equity EUR −0.29 million at end-2024), and the mezzanine loans rank behind senior bank debt and are unsecured unless stated
- No secondary market; leaving early is impossible in the first six months, then costs 10–20% plus all accrued interest, and development lots may not be cancellable at all
À qui cela s'adresse
Investors who specifically want a small, deliberate slice of Prague rental property and accept that the platform, the lender and the borrower are one group — not a substitute for a diversified holding.
Détail du score
Comment ce score est calculéChaque dimension est notée de 0 à 10 à partir de données documentées, puis multipliée par son poids et additionnée. Rien n'est arrondi avant la fin.
Chiffre relevé sur: fintown.eu · 18 sept. 2026 · €30m raised; 6,000 investors; projects offered at 8–12% p.a.
Suivi des conditions générales
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