Fintown
Czechia · Imobiliário · Fundada 2022
A nossa nota
Retorno médio
12,0%
máximo anunciado
Regulação: Not licensed under ECSPR
Link de parceria — podemos receber uma comissão, sem custo adicional para si. Não afecta a nota acima.
O nosso veredicto
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.
Ler a nossa análise completa da FintownRegulação, rendimentos, comissões, riscos e o nosso veredicto, em detalhe (em inglês).O que funciona
- 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
O que não funciona
- 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
Para quem é
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.
Como se decompõe a nota
Como esta pontuação é calculadaCada dimensão é pontuada de 0 a 10 a partir de dados documentados, depois multiplicada pelo seu peso e somada. Só se arredonda no fim.
Número retirado de: fintown.eu · 18 de set. de 2026 · €30m raised; 6,000 investors; projects offered at 8–12% p.a.
Monitorização das condições
Relemos diariamente as condições públicas desta plataforma e registamos o que muda.
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