Frequently asked questionss

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FAQ

Crowdfunding means the financing of the project where a group of persons collectively pool the investment amount required for the project. Collegial investing enables funders to invest the desired amount without being bound to make the total investment. As the minimum investment amount is reduced, there is an opportunity to participate in the projects, which were available only to major investors before.

Röntgen is a crowdfunding platform supervised by the Bank of Lithuania, which allows investing in projects that have been accessible only to a narrow circle of high net worth investors before.

Investing on the platform is available to registered and identified individuals and legal entities.

Yes, legal entities can also invest through the platform under the Law on Crowdfunding.

To invest on behalf of the company, when completing the questionnaire (after the registration and identification), please specify the type of account as „legal“ and enter the contact details of the company. The user in whose name the account has been opened and investments are made must also be an authorized representative of the company entitled to initiate such transactions.

The minimum investment amount is only 100 EUR.

UAB Trečia Diena, operating the Röntgen platform, is recognized by the Bank of Lithuania and included in the public list of crowdfunding platforms. The Law on Crowdfunding of the Republic of Lithuania regulates the operations of the platform, which is supervised by the Bank of Lithuania under the procedures laid down in the legislation.

Also, the Röntgen business continuity plan has been agreed with the Bank of Lithuania. Its purpose is to ensure that investors would be protected in case of the company’s bankruptcy.

Röntgen provides a unique opportunity for small investors to invest in real estate projects, which for a long time were accessible only to professional investors. The main reasons to choose Röntgen:

  • Investments placed on the platform are secured by the initial pledge of real estate (mortgage) in favour of investors. In the case of the project owner's insolvency, a compulsory recovery through a forced sale of the property will be carried out;
  • The platform allows investing amounts starting from € 100, thus enabling investors to participate in projects which have been accessible only to professionals before;
  • Detailed presentations of investment projects are always placed on the platform;
  • All investment projects are carefully assessed by the Röntgen team. A lot of projects we value do not even reach our investors because they often do not meet our risk management requirements;
  • Platformoje kartu su smulkiaisiais investuotojais investuoja ir profesionalūs instituciniai investuotojai (tradiciniai bankai, fondai bei turto valdytojai);
  • Röntgen carries out project search, selection, and supervision until the repayment of the investment. We ensure that the investor would be only minimally involved, and in case of necessity, all required information would be easily accessible.
  • Röntgen investuotojai visada gali diversifikuoti savo investicijų portfelį nukreipdami lėšas į skirtingus NT, aviacijos projektus ir taip sumažinti galimas rizikas.

Röntgen does not charge any fees for investors to use the platform.

Lithuanian residents who invest as Individuals earn interest that is classified as Class B income. Thus, investors must self-declare this income and pay a 15% personal income tax (PIT). Röntgen will provide the State Tax Inspectorate with all the required data on investors’ interest earned during the calendar year.

For Lithuanian residents, Personal Income Tax is applied only on the amount of interest received during the tax period which exceeds € 500. Consequently, when the total return on investment received during the tax period exceeds € 500, only the amount exceeding € 500 is taxed at the rate of 15%.

Investors are not subject to any platform usage fees, but they are required to pay taxes according to the laws of the Republic of Lithuania.
Interest paid to foreign residents is classified as Class A income and is subject to personal income tax (PIT). For this reason, foreign investors will automatically be charged a 15% personal income tax before paying interest, which will be transferred to the State Tax Inspectorate by Röntgen.

Europos Sąjungos Sutelktinio finansavimo reglamentas numato, kad visi licencijuoti sutelktinio finansavimo paslaugas teikiantys operatoriai visoje ES atitiktų tuos pačius reikalavimus. Taip užtikrinama didesnė apsauga smulkiesiems investuotojams.

Jeigu nesate profesionalus investuotojas, pagal ES Sutelktinio finansavimo reglamentą, Röntgen platformoje būsite laikomas nepatyrusiu investuotoju. Tokiems investuotojams taikomas 4 dienų apmąstymo laikotarpis, per kurį galite atšaukti savo investiciją.

Patyrusiu investuotoju galite būti pripažintas, jeigu turite reikalingą kvalifikaciją ar/ir patirties su investicijomis, Toks pripažinimas leistų jūsų investicijas užskaityti iš karto, nelaukiant, kol praeis keturių dienų apmąstymo laikas. Jeigu norite būti pripažintas patyrusiu investuotoju, susisiekite [email protected]

Ši skaičiuoklė yra privalomas įrankis platformoje, kuriuo galite, bet neprivalote pasinaudoti. Skaičiuoklė suteikia galimybę pamatyti, kaip atrodytų Jūsų nuostoliai, jeigu prarastumėte 10 proc. nuo savo metinių pajamų ir išlaidų skirtumo.

  • Investments placed on the platform are secured by the initial pledge of real estate (mortgage) in favour of investors. The initial pledge always gives investors priority to compensation after the sale of recovered property;
  • Before projects are presented to investors, Röntgen performs a risk assessment procedure. Exclusive attention is paid to the client’s financial situation, the present value of the property, development plan, developer's experience and reputation, asset liquidity, etc. A lot of projects we value do not even reach our investors because they often do not meet our risk management requirements. Statistically, only 1 out of 20 investment projects enter the platform;
  • Investors can diversify their investment portfolio by channelling funds into several different projects, thus reducing the dependence on the success of a single project;
  • Röntgen carries out project search, selection, and supervision until the repayment of the investment. We ensure that the investor would be only minimally involved, and in case of necessity, all required information would be easily accessible.
  • Röntgen investuotojai visada gali diversifikuoti savo investicijų portfelį nukreipdami lėšas į skirtingus NT, aviacijos projektus ir taip sumažinti galimas rizikas.

Jūsų investicinė grąža Röntgen platformoje priklauso nuo atliktos investicijos dydžio bei taikomos metinių palūkanų normos. Prieš pasirinkdami investicijos dydį (minimali investicija - 100 eurų), galite pasinaudoti investicinės grąžos skaičiuokle, kuri nurodo galimą grąžą.

Investicinė grąžos skaičiuoklė yra tik rekomendacinio pobūdžio, priemonė galimai investicinei grąžai įsivertinti.

It is important to note that all Röntgen investments (both A + and D-) are guaranteed by the initial pledge of assets, which guarantees a partial or full investment recovery if the project owner would become insolvent. As a result, the risk rating reflects not the risk of losing the entire investment, but the risk that the project may face difficulties and take longer than planned.

Svarbu atkreipti dėmesį, kad visos (tiek A+, tiek D-) Röntgen investicijos yra garantuojamos pirminiu turto įkeitimu, kuris garantuoja pilną ar dalinį lėšų atgavimą tuo atveju jei projekto savininkas taptų nemokus. Rizikos reitingas daugiau atspindi ne riziką prarasti visą investiciją, o riziką, kad projektas gali susidurti su sunkumais ar užsitęsti, t.y. paskolos grąžinimas įvyks vėliau nei planuota.

Platforma investuotojus atstovauja visuose procesuose nuo projektų atrinkimo, notarinio nekilnojamojo turto įkeitimo, projektų priežiūros jų eigos metu ar atsiradus paskolos vėlavimams.

Kadangi visos Röntgen investicijos yra garantuojamos pirminiu turto įkeitimu. Įkeičiamas turtas visada yra 30-40 proc. vertingesnis nei paskola, todėl tai užtikrina pilną ar bent dalinį lėšų atgavimą projekto savininko nemokumo atveju, todėl visiškas investicijos praradimas yra sunkiai įmanomas. Tačiau investavimas visada susijęs su rizika prarasti dalį investicijos ar susidurti su paskolos grąžinimo vėlavimu.

Until the transfer to the project owner, the money is held in the restricted electronic money account. These funds cannot be used by the project owner, nor the platform operator. They are transferred to the account managed by the developer after the implementation of the obligations, according to a pre-agreed schedule.

In case the required amount has not been collected within the set period, all investments will be refunded to the investors' accounts from which the payments were made.

Money is paid out according to a pre-agreed schedule. Usually, payments will coincide with intermediate property valuations, and verifications of construction cost estimates carried out during the project. After the assurance has been obtained that the value of the project is increasing and the money allocated previously was spent on the development, the next payment will be made.

Prieš projektus pateikiant investuotojams Röntgen atlieka analizę, kurios metu įvertinama projekto savininko pateiktas verslo planas, nepriklausomas turto vertinimas bei informacija iš kitų šaltinių. Didelis dėmesys atkreipiamas į esamą turto vertę, vystymo planą, vystytojo patirtį, turto likvidumą ir kt. Ši procedūra, kaip ir Röntgen projekto rizikos vertinimo balas, yra projekto apžvalga ir neturėtų būti vertinama kaip investavimo rekomendacija. Visos Röntgen investicijos yra garantuojamos pirminiu turto įkeitimu, kuris užtikrina pilną ar dalinį lėšų atgavimą tuo atveju, jei projekto savininkas taptų nemokus, todėl rizika prarasti visa savo investiciją yra labai ribota. Vis dėlto, investavimas visada susijęs su rizika prarasti dalį investicijos ar susidurti su paskolos grąžinimo vėlavimu.

Usually, investors will get back their funds from the sale or lease of a completed project or by refinancing the finished project at the bank.

Viso projekto metu bendraujame su paskolos gavėju, todėl galimi paskolos grąžinimo sunkumai yra nustatomi gerokai anksčiau, nei sueina terminas ją grąžinti. Pastebėjus, kad projekto savininkas susiduria su sunkumais, imamės veiksmų, bei kartu su juo ieškome visoms šalims geriausio sprendimo.

Based on the circumstances, the following actions are taken:

  1. Paskolos termino pratęsimas. Tai darome matant, kad projektas susidūrė tik su laikinais nesklandumais (pvz. pardavimai vyksta, tačiau lėčiau, nei planuota) ir paskola bus grąžinta. Tokiu atveju investuotojams už vėlavimo laikotarpį suteikiama palūkanų premija;
  2. Judicial debt recovery is launched by carrying out property seizures and involving debt collection companies, courts, or bailiffs.
    The investor never has to participate personally in the debt recovery process, Röntgen represents investors in all stages of the debt recovery process and constantly informs them about developments.

If necessary, Röntgen investors have the opportunity to sell their active investments on the secondary market. However, how quickly you manage to sell your investment is highly dependent on your expectations. Please note that the platform does not guarantee a successful acquisition process in all cases.

To initiate the process of selling the investment you only need to click the “sell” button on your active investment. Upon receipt of your request, we will immediately introduce the acquisition option to the potential buyers by striving to complete the transaction.

In addition, this year a new secondary market system on the platform will be launched, which will be more active and functional. So if there is no hurry to sell your investment, there may be a chance to get better terms of sale.

All investments on the platform are made directly between the project owner and investors. The platform is only a technical tool enabling to carry out transactions; therefore, all contracts would continue to be valid as scheduled

Apmąstymo laikotarpis taikomas patirties neturintiems investuotojams. Tai reiškia, kad per keturias kalendorines dienas patirties neturintys investuotojai gali persigalvoti ir atšaukti savo investiciją. Keturios kalendorinės dienos Röntgen platformoje pradedamos skaičiuoti nuo investicijų sutarties sugeneravimo.

Savo investiciją galite atšaukti per keturias kalendorines dienas nuo investavimo sutarties sugeneravimo. Prie savo investicijų paspauskite Atšaukti mygtuką ir visi pinigai grįš į Jūsų sąskaitą, iš kurios atlikote investiciją.

The minimum investment amount is only 100 EUR.

Before you start investing, get acquainted with the detailed presentations of investment projects, which we place next to each investment opportunity. They provide information about loan repayment terms and repayment schedules, expected investment return, risk assessment. Also, you will find additional information about project owners, business plan, market analysis, and more.

Jei investuojate naudodamiesi Bank-link paslauga, jūsų mokėjimas bus užskaitytas iš karto.

Jei investiciją atliekate darydami paprastą bankinį pavedimą, jūsų mokėjimo užskaitymas gali trukti iki 2 darbo dienų. Tokiu atveju į investuotojų sąrašą pateksite po mokėjimo užskaitymo. Susidarius situacijai, kai tarp pavedimo ir įmokos užskaitymo projektas tampa pilnai sufinansuotas, jūsų pinigai bus grąžinami į sąskaitą iš kurios atlikote mokėjimą, o mokėjimo metu sudaryta sutartis - atšaukta.

Before projects are presented to investors, Röntgen carries out an analysis that includes the assessment of the materials submitted by the project owner, independent property valuation, and information from other sources. Attention is paid to the present value of the property, development plan, developer's experience, asset liquidity, market trends, etc. This procedure, just like the Röntgen project risk assessment score, constitutes only an overview of the project and should not be considered an investment recommendation.

It is important to note that all Röntgen investments (all from A + to D-) are guaranteed by the initial pledge of assets, which guarantees a partial or full investment recovery if the project owner would become insolvent.

Why do project owners not apply to banks?

  1. Norėdamas gauti finansavimą projekto savininkas turi užpildyti šią paraišką ir pateikti dokumentaciją, kuri reikalingą projekto bei vystytojo vertinimui atlikti;
  2. The project owner applies for funding. The platform operator evaluates the project. Only selected projects are presented to investors;
  3. Individuals and legal entities invest a chosen amount into the project;
  4. Surinkus visą arba minimalią investicijų sumą bei įvykdžius visus sutartinius įsipareigojimus, pinigai projekto savininkui išmokami pagal sutarties sąlygas;
  5. The investment and interest are paid back to investors according to a pre-agreed schedule.
  6. Read more about it in "How does it work?"

Only companies (legal entities) that can guarantee a loan repayment by a pledge of assets can be financed on the Röntgen platform. Financing can be used to finance real estate development, refinancing of completed assets, or other activities of the company.

  1. Building permit;
  2. Technical project;
  3. Valuation of the property to be pledged;
  4. The business plan of the project;
  5. Project estimate;
  6. Project schedule;
  7. Financial statements of the company.

Gavus visus reikalingus dokumentus projekto vertinimas gali užtrukti iki kelių savaičių. Kai projektas patvirtinamas ir įkeliamas į platformą, investicijos surinkimas gali užtrukti nuo dienos iki poros savaičių.

Yes, it can. In case of a pre-mature repayment, the project owner must pay to investors an interest bonus set in the loan agreement.

Yes, funding of a share of own capital is available upon a subsequent pledge of property.

Do you have any further questions?
Please feel free to contact us!
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