Frequently asked questions

• „Röntgen“ platformoje talpinamos investicijos yra garantuojamos pirminiu nekilnojamo turto įkeitimu. Pirminis įkeitimas (hipoteka) investuotojams suteikia pirmumą į kompensaciją pardavus išieškomą turtą, esant vėluojančios ar nemokios paskolos atvejui. Apie investicijas apsaugotas turto įkeitimu skaitykite čia
• 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;
• In the event of loan default, the platform has recovery procedures in place where the collateral provided to investors would be sold, and the proceeds from the sale would be used to repay the loan to the investors and pay the interest;
• 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.
• In order to mitigate potential risks, Röntgen investors can always diversify their investment portfolio by allocating funds to different real estate and aviation projects.

Your investment return on the Röntgen platform depends on the size of your investment and the annual interest rate applied. Before you choose the size of your investment (minimum investment is €100), you can use the investment return calculator, which gives you an indication of the possible return.

Please be advised, the calculator is intended as a preliminary evaluation and is a tool of an illustrative nature only.

Before investment projects are published on the platform, the Röntgen team conducts a rigorous risk assessment for each project, which is then assigned a rating from A+, A, A- to D-. A+ means the lowest risk, D- means the highest risk.

It is important to note that all Röntgen investments (both A+ and D-) are secured by a first mortgage on the real estate, which guarantees full or partial recovery in the event of the insolvency of the project owner. The risk rating does not reflect the risk of losing the entire investment, but rather the risk that the project may encounter difficulties or delays, i.e. that the repayment of the loan will be later than planned.

Platforma investuotojus atstovauja visuose procesuose nuo projektų atrinkimo, notarinio nekilnojamojo turto įkeitimo, projektų priežiūros jų eigos metu ar atsiradus paskolos vėlavimams. Investuotojui asmeniškai niekada nereikia dalyvauti skolos išieškojimo procese, „Röntgen“ atstovauja investuotojus visuose išieškojimo proceso etapuose, bei nuolatos informuoja apie procesus.

Because all Röntgen investments are secured by a primary pledge of assets. The collateral is always 30-40% more valuable than the loan, ensuring full or at least partial recovery in the event of the project owner's insolvency, making a total loss of the investment difficult to achieve. However, investing always entails the risk of losing part of the investment or facing a default on the loan.

Until the money is transferred to the project owner, it is held in a restricted e-money account in the project owner's name. These funds cannot be used either by the project owner or by the platform operator. Once the obligations have been fulfilled, they shall be transferred to a bank account managed by the project owner according to an agreed schedule.

If the required amount is not collected within the timeframe, all investments will be returned within a few working days to the investors' accounts from which the payments were made.

Payments are made according to a pre-agreed schedule. In most cases, payments will coincide with interim property appraisals and checks on construction estimates during the course of the project. Once it is confirmed that the project is appreciating in value and that the money previously committed has been used for property development, the next disbursement is made.

Before projects are submitted to investors, Röntgen carries out an analysis that evaluates the business plan submitted by the project owner, an independent valuation of the property and information from other sources. Considerable attention is paid to the current value of the property, the development plan, the experience of the project owner, the liquidity of the property, etc. This procedure, like the Röntgen project risk score, is a project overview and should not be seen as an investment recommendation. All Röntgen investments are secured by a first charge on the property, which ensures full or partial recovery of the funds in the event of the project owner becoming insolvent, so the risk of losing your entire investment is very limited. However, investing always entails the risk of losing part of the investment or facing loan repayment delays.

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.

We are in contact with the borrower throughout the project, so potential repayment difficulties are identified well before the loan is due. If we notice that the project owner is experiencing difficulties, we take action and work with them to find the best solution for all parties.

Actions are taken depending on the circumstances:

1. Extension of the loan term. We do this when we see that the project has only encountered temporary difficulties (e.g. sales are progressing but slower than planned) and the loan will be repaid. In this case, investors are granted an interest bonus for the delay period;
2. Legal proceedings to recover the debt are initiated by means of seizures, debt collection companies, courts or bailiffs.

If necessary, Röntgen’s investors have an opportunity to sell their active investments on the secondary market. At the moment, secondary market sales work on the following principle - after receiving your request by e-mail [email protected], we communicate with existing investors and try to find a potential buyer. After finding a buyer we coordinate the final sale transaction. However, we can never guarantee that we will actually sell the investment.

We would like to draw your attention to the fact that how quickly we will be able to sell your investments largely depends on your expectations. We can only share the observation that when watching both local and international platforms, selling investments for the same value is quite difficult. So, if you're considering reselling, consider applying a discount to your investment. Most often, investors sacrifice one or more interest payments.

We also want to inform you that we have been implementing and testing the functionality of the secondary market for some time and we hope to be able to present it to the investors of the platform in the near future. The secondary market will work without our involvement in the process, so if you are not in a hurry to sell your investment, you may be able to get better sales terms.

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.

The consideration period applies to investors with no experience. This means that within four calendar days, inexperienced investors can change their mind and withdraw their investment. The four calendar days on the Röntgen platform start from the generation of the investment contract.

You can withdraw your investment within four calendar days of the investment contract being generated. Click on the "cancel" button next to your investment and all money will be returned to the account from which you made the investment.

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.

If you invest using the Bank-link service, your payment will be credited immediately.

If you make an investment by simple bank transfer, your payment may take up to 2 working days to clear. In this case, you will be added to the list of investors after the payment has been credited. In the event of a situation where the project becomes fully funded between the transfer and the offsetting of the payment, your money will be returned to the account from which you made the payment, and the contract entered into at the time of the payment will be cancelled.

Factors such as developer experience, project location, financial performance, business plan, market trends, etc. are taken into account when calculating Röntgen's investment rating. The rating rules are agreed with the Bank of Lithuania, which supervises crowdfunding platforms.

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.

Read more about the Röntgen risk assessment criteria in our article.

Due to the standardised processes of banks and their increased interest in larger projects, developers of small and medium-sized real estate projects are given a lower priority and project appraisals take longer or are dropped altogether. Therefore, crowdfunding platforms such as Röntgen are an excellent source of alternative financing that can offer flexibility to project owners.

An investment account is a separate account dedicated to investments in financial instruments. In this account, you keep funds that are for investment purposes only. This account must be separate from all day-to-day transactions, payment cards, credit deposits or savings accounts.

The main objective of the IA is to encourage long-term investment by allowing the accumulation of gains which are taxable only when withdrawn from the investment account. This means that as long as you reinvest the funds in the account - in crowdfunding, buying shares or other investment instruments from the account - the profits you earn will not be subject to Personal Income Tax (PIT).

An IA can be any bank account you already have or a new one you have opened, used exclusively for investment purposes. Banks recommend that their customers open a new account that is separate from accounts used for everyday needs or savings. There is no limit on the number of IA.

Once you have decided to use an account (or several accounts) for investment purposes, you must declare it as an IA to the State Tax Inspectorate (STI) no earlier than 2026 in your income tax return for 2025.

15%. Only on the profits withdrawn from the account in excess of the funds deposited in it, is GST payable.

• Tax optimisation: capital gains earned will only be taxed when they are withdrawn. This will allow a greater proportion of the funds to be reinvested while deferring tax liabilities.
• Flexibility: you can have several investment accounts in both Lithuanian and foreign banks (in the European Economic Area, OECD member states or double tax treaty countries), all of which can be declared to the Inland Revenue as IA, but you need to be a resident of Lithuania in order to benefit from the IA regime.
• Clear accounting: a separate account helps separate investment funds from other personal finances.
• Possibility to allocate an existing portfolio: until May 2025, financial instruments acquired during 2024 can be allocated to an investment account, declaring their acquisition value.

The State Tax Inspectorate (STI) has rules on IA declarations. Frequently asked questions about IA on the VMI page.

The account from which you made the first payment of your investment is assigned to you. All interest and nominal payments are made to this account, unless you have already requested a change of account.

You need to submit a free-form request signed with an e-signature (you can do this with Smart-ID or Mobile Signature), please indicate your new and old account numbers in the request, and we will be able to change your account number in the system immediately upon receipt of your request. Please send your request to [email protected] mailbox.

No. Only one account per investor can be assigned. Please note that it is important for each investor to decide whether it is more advantageous to use the IA regime or the exemption, which allows for an annual tax-free profit of €500.

You can change your account number at any time once you have decided which account you want to invest in and receive funds from.

In order for the interest received on 2 January to be counted as income from an investment account, the effective date of the investment account you declared must be 1 January. At the same time, you should declare your investment on which the interest was received as having been acquired through an investment account. Please note that you can only declare investments acquired during 2024. If you declare the investment account later, such interest can be declared as a contribution to the investment account, but will still be subject to GPT under the old tax treatment. However, we recommend that you also check with the tax authorities.

If the investment is made from a current account, the income from this investment should also be credited to the current account and taxed. The resident could make a contribution to the investment account of such income, which is subject to income tax.

If the interest has already been subject to income tax and deposited in an Investment Account, no income tax should be payable on such funds (when withdrawn). This amount would be treated as a contribution to the Investment Account.

Article 121(5) of the ITA provides that income tax is payable on withdrawals from an investment account in excess of the amount of funds deposited in the investment account before the withdrawal. In the above example, a resident withdraws an amount (EUR 1 000) which does not exceed the amount of the contribution to the investment account (EUR 10 000). The withdrawal of EUR 1 000 is exempt from income tax and the resident's investment account balance is reduced to EUR 9 000.