Crowdimo: test and opinion on l´investissement real estate
J´AI tested for you Crowdimo Invest. This site offers you a new way to invest in real estate by responding to the expectations and the investment of each capacity. You become the owner in a few clics.code
Sign up here and enjoy the benefits of crowdimo
Bonus sponsorship code (at the time of registration, must put origin of the sponsorship contact): richesseetfinance
Sommaire
- 1 Lenders
- 2 Sponsorship
- 3 Security question, which is crowdimo?
- 4 My opinion after the test:
- 4.1 Evolution, Revolution
- 4.2 2015 (this section is no longer valid)
- 4.3 Sponsorship, the best of the MLM
- 4.4 Registration
- 4.5 Menu
- 4.6 Project menu and presentation of projects
- 4.7 A project
- 4.8 I like
- 4.9 I don't like
- 4.10 Neutral
- 4.11 Conclusion of the test and notice the crowdfunding platform real estate crowdimmo
- 4.12 Other items
Description of the crowdfunding platform real estate crowdimo
Crowdimo is a crowdfunding platform dedicated to the real estate crowdfunding to 100%. Real estate crowdfunding, crowdfunding in french, represents a new way to invest with prospects of high returns for investors and a new way to get funding for the project managers.
Crowdimo has created a platform to promote this type of investment to an audience who is unwilling to invest all their savings in one project. So crowdimo to find a good solution for investment.
As investors you invest in bonds from € 1000 which will ensure a return of 8 to 12% without frais(il n'y en a pas) with risk control (maximum capital loss). Investors will be able to recover their interest between 12 and 24 months
Crowdimo allows three types of projects:
- Real estate promotion
- Real estate renovation
- Refinancing
Schematic operation
Lenders
Why invest in real estate crowdfunding?
In the new fundraising from the crowdfunders allow to provide additional own funds for medium-sized sponsors who fund their operations largely by debt. Thanks to the support of crowdfunding, they could increase overall production of housing, at a moment when you said that the country is in need of affordable housing.
You decide where your money goes
Performance
No intermediaries
No fees
Crowdimo doesn't charge fees to lenders
No loss of time
Effective diversification of savings
Accessible
With only 1000 you get into the real estate investment market.
The real estate market
Touujours was the market favorite of the french real estate market
Bond
Through bonds, you avoid the fluctuations of the real estate market while limiting your risk to your contribution and in addition, icing on the cake, you do not have to reinvest what is very convenient.
Investors FAQ
Where to invest
Commonly called estate, Crowdimo Invest funds or refinancing new constructions or renovation operations.
In the case of a new construction, it is to finance the acquisition of building land and construction (housing, offices, shops…) program.
In the case of a renovation, it comes to finance the work on existing assets.
The project manager (developer or issuer) must obtain beforehand the necessary planning permissions (building permits, preliminary declaration… etc), develop the technical solution allowing to build the program, to validate the ability to market the products envisaged, to get guarantees and insurances, to market these products and then finally build the building (s).
The requested liquidity are low because quality projects are supported by the banks.
How to invest
To invest, open one of our projects under financing (button below).
At the bottom of the job card, you will find the button:
case 1: 'INVEST': If you are already connected and that your profile has been validated by Crowdimo Invest.
case 2: 'SE CONNECT TO INVEST' If you have not yet signed in or registered.
case 3: 'FOR INVESTING, YOUR PROFILE MUST BE VALID', if you are connected (e) but that your profile is not yet validated by Crowdimo Invest.
Only case 1 will allow you to invest. In case 3, please complete your profile member, investor documents and form of adequacy *. Once your profile is complete, Crowdimo Invest will control and the applicable validate him within 72 hours maximum.
In case 1, you will have the opportunity to invest on our projects. Select a project under funding. In the master project, click the button 'INVESTING' and enter the amount you wish to invest. After a new audit of the adequacy of your profile to the proposed investment, Crowdimo Invest will send you the subscription for electronic signature (or by e-mail) form which will validate your booking. After reception of your payment (by cheque or bank transfer), your subscription is validated.
Once the trigger level of the achieved project, an accountant, content of the register of bondholders, will send you a document that will attest to the detention of the obligations of the holding company dedicated to the project (see where to invest – 'Assembly operation' section)
* Form of adequacy and investors (to be completed in the Member section) Documents:
Good choice of investment decisions always begins with the determination of your personal goals. Use the form of adequacy to determine your financial goals and your risk tolerance for investments made on the platform of Crowdimo Invest.
The investor profile questionnaire is designed to help you identify the type of investor you are and is not intended to replace the advice of a professional.
Offered on the platform Crowdimo Invest investment are based on subjective factors, such as your risk tolerance and your financial situation and therefore are only general guidelines for your choice of investments.
Establishment of your investor profile
It is imperative to complete the adequacy to determine your investor profile. It is intended to assess:
• Your investment goals
To define the period during which you can keep your investments (your "investment horizon"), as well as your investment objectives include: to protect your capital and avoid any form of risk, or available to take on more risk high in return for a more interesting performance.
• Your financial situation
Issues related to your property as well as your income and regular financial commitments will allow us to identify your situation and your financial capacity.
• Your knowledge and your experience investment
Questions about the types of financial instruments that are familiar, the nature, volume and frequency of your past transactions, as well as your level of training and your current occupation or past will assess your knowledge and your experience in investments.
If you do not provide this information, Crowdimo Invest will not be able to determine your investor profile. Crowdimo Invest will not be able to validate your profile and so you won't have membership confirmed, necessary and mandatory to take knowledge of the proposed projects and invest on our platform
The form of adequacy
When you want to invest in a project, Crowdimo Invest will verify if this investment is consistent with the form of adequacy. This will be the case when:
• investment matches your investment objectives
• you are able to financially support the project risks
• You obviously have the knowledge and experience to understand the risks associated with the project.
It is essential to insist on the fact that this type of investment does not represent more than 10% of your assets (rule heritage).
Considering that your profile is not in line with the proposed investment, it will issue a negative opinion and you should change the "investor document" or as appropriate "form of adequacy" Crowdimo invest
What are the risks of investing
Real estate financing aims to allow individuals (or companies) to take share in construction projects, renovations… Thus, project promoters (developers or even issuers) are freed classic circuit and eliminate the intermediaries to find funding directly to individuals (or companies). Necessary funds are released faster and can therefore increase the number of homes built or renovated. As a result, what are the potential risks associated with this type of project?
1 / risks related to Crowdimo Invest
2 / risks related to project holders
3 / risks related to the operation
1 / risks related to Crowdimo Invest
Legal assemblies set up on the platform are thought way to what in case of disappearance of Crowdimo Invest, it does impact nothing into your equity. In case of failure of the president or of the intermediate holding companies created by Crowdimo Invest, it is expected that a new president can be appointed. All the structures created by Crowdimo Invest are managed by an accounting expert who ensures the sustainability and continuity of the activity.
2 / risks related to the project leaders
The risk of extinction of the project manager is probably the most student of the operation. Hence the need for Crowdimo Invest to find partners able to provide additional guarantees to reassure our investors. Depending on the case, Crowdimo Invest was able to obtain from its partners either a GPD (first demand guarantee) of the parent, or a promise of mortgage, or either the collateral of the President of the partner company.
3 / risks related to the operation
Although there are many risks of surgery, Crowdimo Invest makes every effort to limit maximally by performing an audit which covers 41 points of control (audit by a shareholder of Crowdimo promoter). Thus:
Administrative risks are spread out as we take any project whose construction permit is purged of any appeal for more than 3 months.
Financial risks are passed to the magnifying glass to ensure the control of construction costs.
Commercial risks related to having trouble selling all of the built packages are previously analyzed (minimum of 40% of marketing).
The risks associated with the editing of the operation:
In this type of operation, several assemblies exist. Crowdimo took the party to use the editing 'Subscription of bond issues of the project manager through a holding company created by Crowdimo Invest.'. Crowdimo creates a holding which collects funds for the project. This holding agreed to a bond with the project manager. The sum then lets the project manager of the real estate project. The project manager shall pay interest to investors on this form of debt (through the holding company created by Crowdimo). The investor can lose more than his initial bet and he perceives his interests and his capital at maturity of the bond. This type of editing is reassuring for investors because the return on investment is not bound at the margin of the promoter, but the interest paid by the latter.
Issues related to the website
How does the Crowdimo.fr platform?
The Crowdimo Invest platform selects projects promotion or renovation on the basis of their relevant economic, social quality and know-how of stakeholders. Once the file is selected, the real estate project is put online on the website for a total or partial financing. You can at any time see our projects as a visitor. To invest, it will be necessary to connect (so listed) and your investor profile is completed.
What are the steps to invest in Crowdimo.fr?
The steps to invest in a project are:
- Register as a member on Crowdimo.fr. (Registration free of charge and without commitment). Improve the profile member (user profile).
- Control your membership by the advisers of Crowdimo Invest record.
- Evaluate current funding projects and choose the one that you want to invest.
- Signature of the subscription (proxy + reservation) form.
- Transfer of fonds.Comment register on Crowdimo.fr?
At the top right of the home page, click on the button 'register '. You will be taken to another page where you can enter all your details (title, name, first name…). Once registration is complete, an email will be sent to the address that you provided at registration and you will then need to click the link that you received. This will validate your email and your registration.
How to complete my investor profile?
- The AMF has developed specific regulations regarding the crowdfunding platforms, including for the use of the websites by investors. To invest and use all of the features of the platform, it is necessary:
- To complete your identity and indicate your references investment
- To complete your situation and your experience regarding investment and confirm that you read the warnings and conditions.
- Contact us (by download) your ID and your certificate of domicile (or KBIS if you are a moral person)
What is the procedure to connect to my account?
To access your personal account, you can connect by clicking the button at the top right 'Member '. You will then be taken to another page to indicate your identifier and your password which will allow you to identify you.
Log on to my account is impossible
If you are unable to log into your personal account, you can send us an e-mail at the following address: contact@crowdimo.fr
How do I make a change of address email on my personal account?
At any time, you can sign in and edit your profile in the MEMBERS area. Only the fields title, name, first name, Date of birth and mailing address are not editable.
What is the procedure to reset or change my password?
To change your password, it must be disconnected and before you enter your credentials in the Member area, click on "lost password".
I have not received confirmation message after my registration
Be sure to check your Junk folder in your email program.
Unable to complete my subscription
You can contact us by sending us an e-mail at the following address: contact@crowdimo.fr or by calling us at 01 41 63 25 63.
I'm having trouble making my electronic signature
You can contact us by sending us an e-mail at the following address: contact@crowdimo.fr or by calling us at 01 41 63 25 63.
Issues related to Crowdimo Invest
How to get in touch with an advisor of Crowdimo Invest?
You can join our team
-By phone at the: 01 41 63 25 63
-By e-mail: contact@crowdimo.fr
How do you select real estate projects that you are proposing?
Real estate projects we select are based on five main criteria:
- The history of the society of promotion
- The ability to build the operator and the quality of its construction
- A mastered selling price which corresponds to the expectations of the market
- The coherence of the overall financial equation of the operation (estimate)
- Guaranteed them proposed
Is that only individuals have the right to participate in your projects or can I do this on behalf of a company (SCI, SAS or other)?
A natural person as a corporation may invest with Crowdimo Invest. Our financial package allows individuals as well as companies to invest on the proposed projects.
Can we contact you?
We dedicate a Chargé d'affaires to each investment case. It accompanies you throughout the project, from beginning to end. You can reach him on the phone easily, and swap with him by electric mail. Crowdimo Invest uses its digital platform for the presentation of the products. On the other hand, the financial and legal transactions through a natural person in a personalized and confidential relationship. Our employees are also available by phone and email to answer your questions.
Why must I provide proof of identity?
Crowdimo Invest is a platform awaiting its approval by Advisor investment interest. This CIP status is framed by the AMF (financial markets authority) regulation requiring investors to:
- provide a photocopy of the ID valid (both sides)
- provide a photocopy of proof of address of less than 3 months (or a KBIS if you invest through a company.
- complete a test of adequacy
CIP status will ensure the confidentiality of documents related to the operations rely on the platform of Crowdimo Invest online since certain information should in no way be disclosed.
What are the subscription fees?
Crowdimo Invest takes no fees on your investment: fresh input, management fees or exit fees.
Can I invest from abroad?
Yes.
How Crowdimo Invest secures the investments of its investors?
We review all in-house operations with analytical tools dedicated to real estate development operations. We do a lot of effort to understand the variables of each project, including the structure, the local market with local actors (notaries, real estate..), property, the quality of the property and applied strategy, reputation, or even the quality of the promoter.
What confidentiality for my data?
Crowdimo Invest is subject to professional secrecy, all members of the team are so committed to keeping confidential information and so to prevent the disclosure of these. This includes the discretion of interviews with its customers, the secure storage of information and the means of timestamp, and this ensures that the customer is the usher of the order, in accordance with the rules in force. We do not disclose any information about our users, we do not provide any personal data to third parties or partners.
Or send me a claim?
-By mail: Crowdimo Invest – 14 street of Monceau, 75008 Paris – by email: contact@crowdimo.fr-by phone: 01 41 63 25 63
In a time of 9 days, Crowdimo Invest will acknowledge receipt of the complaint will be sent to you.
Within a period of 25 days, Crowdimo Invest will send a response to your claim.
Where our team would not be able to answer you in 25 days, we will contact you to explain the procedure adopted by our team.
Issues related to your investments
'Everyone' can participate in a project?
Everyone can participate in a project as the investor has sufficient liquidity for investment and that its situation permits. Crowdimo Invest checks for this investment candidate has understood the mechanisms of participatory financing. He is a thoughtful Act, the same title that any financial investment of some importance it is noted that for ethical reasons, Crowdimo Invest reserves the right to refuse a shareholder if its participation could put his finances in trouble. (NB: although only a minor can invest through their legal representative, Crowdimo Invest does not register on its platform)
How concretely taken into account of my investment?
After you be registered on the site of Crowdimo Invest, you will learn an adequacy test. It will be analyzed by our advisers to assess the risk profile of the candidates subscribers. Then, you can invest in the program you want and book the number of proposed titles. The appeal for funds will be made once the amount of the feasibility threshold is reached. So you'll sign your online subscription form before the transfer of funds which will be by bank transfer or by check directly on the behalf of the banking partner in the operation. This final step will make you an investor of Crowdimo Invest.
What information do you ask through your customer information sheet?
This information sheet lists the identity of the Subscriber, his investment experience and its reference sector, its heritage and its distribution, as well as related information at the origin of the funds in order to fight against money laundering and the financing of terrorism. These information have an obligatory character to ensure that the investor has sufficient liquidity and that participation does not financially distressed.
The interests that I will receive are subject to tax?
Yes. Investments are subject to the graduated scale of tax revenues and support, where appropriate, social security contributions to the overall rate of 15.5%. On the other hand, the profitability of the investment makes this particularly attractive investment even after tax.
What are the payment methods to pay my investments?
You can pay your investment via a bank transfer, or by check to the account of the company dedicated to the project.
Can I lose more than my investment?
No.
What profitability for the investor?
The objectives of profitability are variable depending on the real estate operations.
If I invest in a project that does not reach the minimum funds sought, what happens?
If the project in which you have invested does not reach the funds sought by the deadline, the transfers will be refunded and the cheques returned.
The fundraiser lasts how long?
The duration of the fundraising projects is variable. It lasts an average of between 30 and 90 days.
Investors have to pay?
Registration on Crowdimo.fr and consultation of projects is totally free. Crowdimo Invest takes no fees and management to the policyholders. Costs are met by the provider Project Professional.
Once the sum invested, when would I get my return on investment?
As Crowdimo Invest offers short-term investments, investors will be able to recover their interest between 12 and 24 months, only at the end of the project. However it is important to learn about each project files to inquire about the waiting period of the refund.
Who can invest in real estate projects of Crowdimo Invest?
-Individuals:
Invest, to be major, have filled its profile and the online questionnaire, appreciate the warnings on this type of investment, and have given us proof of identity and proof of address. The status of investor on the Crowdimo Invest platform is open to all. It is not necessary to be an experienced investor to have access to our investment opportunities, this is the principle of crowdfunding.
-Legal persons
Legal persons will have to provide an excerpt of Kbis in lieu of proof of address.
Caution: before making any investment, you should make sure you have a full understanding of benefits and risks of investment and that your decision is taken independently, that the operation is appropriate relative to your situation into account your goals, your experience, your operational and financial resources and other relevant circumstances.
Can I invest in a project while his collection is complete?
No, if the collection of the project that interests you is funded or closed, you will not be able to invest.
Can I increase my subscription after a first investment?
Yes, if the collection is not fully funded or fenced.
When is a project considered to be funded?
At the end of the period set for the collection, if the amount collected exceeds the subscription threshold established for the project (a threshold which the minimum varies according to the project), the operation is started.
When is the fundraising appeal?
No amount is charged as long as the collection did not exceed the subscription threshold established for the project.
What are the statutes "being analyzed" and "under-funding"?
"Processing" status means that the program is not yet open to investment via the platform of Crowdimo but you can make a pre-booking either by phone or by mail by indicating that you want to participate in this operation.
The status "under funding" means that the operation is open and current collection.
What happens in case of death of the investor?
The death of the investor and according to the current regulations, bonds are transferable to the heirs.
Issues related to the estate Crowdfunding
When is born real estate crowdfunding and whence?
Crowdfunding is born from the desire of individuals to be able to intervene directly in the production of artistic works. He gradually became a collaborative economy financing tool. With more than 44,000 projects posted on the platforms of crowdfunding to date, crowdfunding has emerged as a lever of growth for many sectors of activity. With Crowdimo Invest, this simple, short and effective device opens to real estate with the financing of the construction of housing in France.
What does a building permit?
Any developer wishing to build a construction of a certain importance must apply for a permit to build with the local administration. This approach is intended to verify that the project complies with the legislative and regulatory provisions in urban planning.
What does the term 'permit purged of any appeal'?
Any interested person may attack the validity of a building permit within two months following the right decision of the building permit. It is therefore recommended not to begin work immediately after obtaining the permits otherwise the project drag on and potentially will not produce in case of appeal.
The competent authority (City Hall, EPCI, or State) can also cancel the permit for misdirection or illegality in the three months following the agreement formal or tacit of the building permit.
A permit purged of any appeal, means that the period of the third-party claims and administrative withdrawal period has passed and that the building permit is validly granted. Crowdimo Invest, requires developers building permit purged of any recourse over three months.
How to finance a promotion program?
A program of real estate funds mainly in the following terms (amounts in % of the total cost of the operation):
· Equity – from 10% to 30% · Bank credit – 20% to 40% · Pre-market – 50%
What does a GFA?
A guarantee completion financial (G.F.A.) is a compulsory insurance covering the risk of failure of the owner during the construction and which guarantees so the good delivery of the project. Financial incapacity of the owner, the insurance company replaces the latter to honor the good end of the operations.
What does a VEFA?
A program released on plan, IE before be built. This mode of purchase of goods is said sales in future States of completion.
Fundraising based on the stages of advancement in VEFA
Signing the contract: 5% completion of foundations: 35% out of water: 70% completion: 95% availability of goods: 100%
Why invest through a holding company?
The SCCVS are societies civil Construction sales, which means that shareholders are jointly responsible for the debts and debts of the company. Participation via a capital company allows to limit the maximum liability of investors to their contribution in the holding company.
What is a holding company?
A holding company is a bearer securities company. Its purpose is to buy and manage of the units or shares of companies. It can be used as a tool of fiscal, financial and as a legal tool.
What is the liquidity of a title?
The liquidity of a stock is the possibility to buy or sell the security fairly quickly without changing the value.
What is a due diligence?
Due diligence is a legal analysis, financial and trade that will allow investors, before financing, to get an idea of the situation of the company.
What is the Selection Committee?
The selection Committee will allow the members of Crowdimo Invest to participate in the selection of the different projects including giving their opinion and giving them a note during the analysis period. The selection Committee is composed of people with special skills in the areas of real estate, finance and legal. Their recognized experience allows them to apply the same requirements to present projects than they might have for a project that they would rise themselves.
Why do developers use crowdfunding (crowdfunding)?
More and more developers interested in crowdfunding. Indeed, this system has several advantages for them:
-In prior to launch their project, developers are going to need capital. Crowdfunding will allow them to more quickly raise the desired
-Crowdfunding platforms developers will benefit from greater visibility of their project on the Web.
-Participatory funding will make it possible for developers to refinance their own funds to free up some of their own funds engaged in a real estate transaction and thus be able to enter a market opportunity.
What is the refinancing of equity?
Today developers face a double problem:
-In order to grant a credit, banks are demanding more guarantees and will therefore ask a most important equity contribution
-Because of the current economy, increase time to market.
Therefore, the own funds committed by developers are blocked. However they still need funds to launch the start of the operation. So they will use the system of refinancing of own funds to release the own funds of a project. In return, they will have to pay the new equity investors will have committed. Project promoters will, to develop their business and their financial standing, fragment a portion of their margin on an operation.
The refinancing of own funds will have advantages for investors:
-The investment is more secure
-The investment period is shorter
But he will have to remain vigilant, it is therefore necessary to:
-Supervise the progress of the construction site
-Monitor that the proponent upholds its commitments to financially for any particular operation so that the alignment of the interests of the investors with the developer is guaranteed. Otherwise the sponsor would become a service provider. The margin of the operation would not have no interest in being kept.
When refinancing of own funds will therefore proposed, Crowdimo Invest will therefore control all of these points.
* Project Manager: this is in most cases a real estate developer named also "partner" or "issuer". It is the company that will carry out the construction or renovation project.
* Crowdfunding (crowdfunding in french): contraction of the English words meaning Crowd 'crowd' and funding meaning 'financing' = funding by the crowd.
Taxation
Bonds income (interest and repayment premiums), most often, are taxed at progressive rates of tax on income for their amount gross but after deduction of custody fees tax deductible (there is no right to station at crowdimo, so nothing to deduct). No discount is applicable. A deposit of income tax is deducted at source at the rate of 24%.
As an exception to the tax at progressive rates, tax homes the annual amount of interest income not exceeding €2,000 may opt, during the return, for their liability to tax on income at the flat rate of 24%.
Declarative obligations:
The amount of net gains from the sale must be worn on the annual return of no. 2042 income to be taken into account for the base of social security payments and the tax of 19%.
Social security payments on bonds
Bonds income support social security contributions to the overall rate of 15.5%. These levies are collected directly by the financial institution.
A fraction of the CSG (5.1%) levied on income from bonds subject to the graduated scale is deductible from the income for the year of payment.
ALLOCATION OF losses on securities:
For the purposes of social security contributions and income tax, losses incurred a year are attributable to capital gains of the same nature in the same year and ten following years, regardless of the annual assignments carried out by the tax household in the year under review.
example:
In 2016 you did less value 2000, by 2017 you did 20,000 euros of transfers with a value of 1,500 euros. You can blame the loss on the capital gain realised by 2017, within the limits of the latter in 2016. No tax will be applied and the meter of the losses carried forward will be €500.
Project Manager
I don't know if it is posible to present a project, I recommend you to call directly.
Sponsorship
Sign up here and enjoy the benefits of crowdimo
Bonus sponsorship code (at the time of registration, must put origin of the sponsorship contact): richesseetfinance
Security question, which is crowdimo?
Already we go who they are:
CROWDIMO INVEST is a simplified Corporation specializing in the real estate Crowdfunding whose capital is 50,000 euros. (52000 on 10/28/2016) and end of October there will be a capital increase (that's fine).
RCS PARIS 809 576 432
VAT FR46809576432
Its headquarters is located, 14 rue Monceau – 75008 PARIS.
Legal representative: Mr. Maurice BRAMI, President and CEO.
Hosting: OVH
Webmaster: Luxury Concept
Contact: contact@crowdimo.fr
phone 01.41.63.25.63
Shareholders:
I do not know.
History
October 2016, capital increase
The mail we got
Hello
Thank you for your interest in our future capital increase.The presentation of our structure, our business model and our business plan is attached.In summary, the capital increase would focus on the creation of 223 000 new shares (17.72% of the capital) for a value of €700,000.Is the action to 700,000 / 223,000 = €3.14 actionWe are currently in contact with institutional investors who wish to take the totality of the capital increase, but we nevertheless wanted to reserve 25% of the increase to our members so that they can also participate.Closing of subscription to the increase is expected to take place late October 2016.At the moment we have need of the wish to participate in the increase of capital (amount and details of the investor).Is that when we reach the amount wanted we will get back to you for checking.Mr. Brami (President Crowdimo) and I are at your disposal for further information.Well cordially.
2016 major change of strategy
Crodimo does more than the bond
early 2016
Crowdimo passes his investment of SCI in SAS and only some projects are still available.
Their remuneration:
Concerning our mode of compensation, here it is (it is indicated on our website, when you download the folder presenting the property.)
(1) as a contributor of real estate agencies business partners, we share with them the agency commission on the purchase of the property. It costs no more to the investor, it is simply the Realtor who agrees to share its commission with Homunity.
(2) as a manager of the SCI, we perceive management on rental income only fees. (Collected upstream of the 5% net)
(3) for the resale of your part on our site, we apply a commission rate that will be charged to the purchaser, as for all real estate transactions
L´Equipe:
O. BEHAR
Expert real estate co-founder
In 1986, Olivier Behar graduated from the conservatoire des arts et Métiers (CNAM) within the Institute the ICH (Institute of economic studies and legal construction and housing), specializing in law real estate housing / construction.
It is through this experience in the renovation of apartment retail joined in 1997 the insurer GAN, where he has forged an experience in rental of building block and successfully. In the 2000s, he initiated the sale of cutting.
Five years later, Olivier has created his own property management office, which he still directs. Along with this, he specializes in the purchase of hotels in Paris with the aim of rehabilitating them into rental apartments.
The renovation is inherent in the real estate market since the Parisian estate is aging. It is a fact that Olivier has been able to anticipate to become a recognized and respected real estate specialist.
The force of the latter? Be able to give a solution to investors to purchase for resale, while diversifying investments between the life annuity, the rental and renovation, which are the 3 options of Crowdimo Invest investment.
Mission at Crowdimo Invest
Its mission is to diversify investment real estate (renovations/rental/life) and to select and propose property of exceptions to our investors.
Knowledge of the real estate market, consulting and expertise, it frames the real experts on our team.
Contact Olivier by mail:
MR. BRAMI
Co-Founder President
Trained in financial markets, but also in audit and accounting, Maurice received a double master's degree. This training gives him an understanding and a vision surprisingly accurate world of finance.
He made his debut as an assistant BROKER for the company MARKETS.COM. He then turned to experiments in the Audit, and has served as assistant Commissioner for LB Audit accounts. Of accomplished financial training, but also seasoned in various fields such as law, accounting, or French taxation, Maurice headed towards a sector which it has always fascinated: the real estate market.
It is continuing its vocation and by putting into practice its knowledge of the real estate sector, his entrepreneurial mindset and his ability to acute analysis that Maurice has developed the concept of Crowdimo Invest.
Mission at Crowdimo Invest
Its mission is to adjust and continuously improve the estate crowdfunding concept to offer the best solutions to our investors. It manages the administrative part and accounting of the company.
Calm, temperance and spirit of analyses together, it is Mr sales team!
Contact Maurice by mail:
A. LIM
LECONTEResponsable
Digital Manager
Graduated a master in digital marketing issued by the Pôle universitaire Léonard de Vinci thus that of Konkuk University in Seoul, Adrian began his career in an international framework with a preference for type start-up companies, and more generally the entrepreneurial world.
After completing its training course of end of studies for a manufacturer of surfboards high range in Thailand that he decided at the age of 23 years old to obtain a status of auto entrepreneur in Australia, and begin an activity on his own account.
Working early in his career with heterogeneous clients and very varied missions, Adrien has been able to very quickly develop a rigorous and professional spirit.
Back in Europe, several ideas of business start-ups have sprouted in his mind. But it is with Crowdimo invest that he decided to start a new adventure. Adhering fully to the project and the concept of this start-up, he has unwavering confidence in the success of what is now the project the most promising that he had the opportunity to participate.
Mission at Crowdimo Invest
Its mission is to optimise the digital strategy through various levers web marketing. It helps increase the visibility of the platform and interact with the community.
Observation, analysis and relevance, it is the digital master of the team!
Contact Adrian via mail:
a.Leconte@crowdimo.fr
Y. BOTBOL
LDirecteur co-founder General
Chief Executive Officer co-founder
Yoni followed his studies at ESG Management School and is a graduate of a Masters degree in market Finance.
He completed several internships in private equity in Hong Kong as well as in Paris at the Compagnie Financière Edmond de Rothschild, which allowed him to acquire solid knowledge and skills in the field of finance, marketing and business management.
From his prior experience in the world of entrepreneurship, it has acquired a certain rigor and he was able to put into practice what he has learned during his training.
Yoni is an expert in management and management of work team. Rigour in labour and perseverance are qualities that he puts forward in everything he does.
These past two years, he was able to develop his sense of discipline and team spirit by mounting its own projects and by bringing together around him qualified and competent people.
"Crowdimo Invest aims to democratize investment in real estate by making it accessible to all.
Our goal is to provide an opportunity for the public to access the property and to constitute a real estate from 1000 euros while diversifying their investments."
Mission at Crowdimo Invest
Its mission is to coach and manager Crowdimo Invest teams to optimize the skills and knowledge of each. It manages the part human, financial, and professional society.
Dynamism, rigour and determination together, it is Mr management team!
Contact Yoni by mail:
y.botbol@crowdimo.fr
Master SUISSA
lized SUISSAAvocat
Lawyer
After obtaining several graduates, private affairs, law and European law Joseph began his career as a lawyer at the bar of Paris in 1996. He started his career as an advocate of the Bâtonnier Francis TEITGEN, then he joined the SCP DEGRANVILLIERS-LIPSKIND specialized in collective proceedings. He has subsequently worked alongside master Georges AYACHE during the last 10 years, mainly in cases of business and corporate law.
In 2006, it has mounted, with several of his colleagues, JDB lawyers, expert in tax law, business, but also in commercial law. He works at the service of companies and ensure their defence before all courts.
Master Joseph SUISSA is also inscribed on the list of the agents real estate transactions created by the Paris Bar, and is allowed to this title to intervene as Council, drafting of acts and negotiating real estate transactions.
Mission at Crowdimo Invest
Its mission is to advise and guide our investors in everything related to the legal domain in a real estate transaction. It guarantees the property and the protection of property.
Knowledge of real estate law, consulting and expertise, it is necessary counsel to ensure legal protection of our investors.
Contact Joseph by mail:
Master BITAN
alized BITANAvocat
Lawyer
Mikael Bitan holds degrees of private law and including a 'judicial careers' master and a D.E.A. private law.
He was responsible for teaching at the Faculty of law of Paris XII (civil law, special criminal law).
It is registered with the Paris Bar since 1994 and has settled as counsel at the Court of Paris in 1996.
His firm has retained its general-purpose, filling both of defence missions the courts, that Council, in various fields and activities particularly in real estate business and commercial leases.
Mission at Crowdimo Invest
Its mission is to advise and guide our investors in their legal proceedings from beginning to end investment. It thus protects investors in the acquisition of their property and their status as owner.
Contact Mikael by mail:
F. ROUAUD
Assistant marketing and communication
Assistant marketing and communication
Bachelor economic and Social obtained with mention, currently in third year of the BACHELOR in Management & IT Technology to the TELECOM business school school in Evry, Florian showed during his schooling an interest in the web and new technologies. It was during his various experiences in companies that Florian is naturally turned towards the fields of marketing and communication.
Florian has therefore decided to carry out its training course of end of degree within our start-up, with a young, dynamic and professional team who will be able to advise and assist in the best way.
Mission at Crowdimo Invest
His main mission in crowdimo Invest is to assist the person responsible for web marketing and digital Manager in their respective tasks. But it is also at the disposal of the entire team Crowdimo, which seeks to facilitate the daily work.
It is Mr support team!
Contact Florian by mail:
f.rouaud@crowdimo.fr
H.STEFANI
Responsable Webmarketing
Responsible for Web marketing
After obtaining a master's degree in e-business within the Ecole de Management Léonard de Vinci, Hugo began his career as an independent from abroad.
It was during his studies in PHS (international development company) internship belonging to the multinational Sodexo, his attraction to the performance analysis and optimization of 2.0 tools proved. This experience in a start-up company controlled by a large group allowed him to acquire both the rigour, versatility and the autonomy needed for this kind of environment.
Upon his return to France, Hugo has sought to integrate a start-up company giving him the opportunity to put into practice his multiple skills and to evolve in a dynamic, innovative and ambitious framework. He decided to join Crowdimo Invest, because project conquered it and it invests fully.
Mission at Crowdimo Invest:
Its mission is to analyze the performance of the different digital platforms and to maximize SEO. It is also in charge of creating and implementing process to optimize and facilitate the work of his staff.
Ingenious, versatile, and methodical, it is Mr optimization of the team.
Contact Hugo by mail: h.stefani@crowdimo.fr
F.BISMUTH
TH Development Manager
Director development
27 years of experience in business management and human resources with 16 years in the ALTEN group, European leader in engineering and technology consultant.
Within the information system division, Frank participated heavily in commercial and development strategic business including the development of CRM tools and control.
source crowdimo
Mission at Crowdimo Invest
Member of the Executive Committee, Frank is in charge:
To develop and propose to the Directorate-General trade policy of the company.
After analysis and evaluation of the various components of the market, it determines the strategic directions, objectives and the means to put in place.
Animate, coordinate and monitor business activities and relationships necessary to the development of the business partners.
Contact Frank Bismuth by mail: f.bismuth@crowdimo.fr
OUR EXPERTS
Master tray
Right affairs specialist
Holder of a master's of contract law and a graduate of the H.E.C. school in 1993, David Bac took oath to become a lawyer in 1994.
Without a doubt, a reference in the legal field, David specializes in business law. He pleads before civil, commercial, but also criminal courts.
In charge of various records, the latter has a wide range of expertise. It deals with cases of jurisprudence concerning the right of the company, that the construction or real estate as well. It also deals with cases of right bank, stock, condominiums as well as commercial and residential leases.
P. BERLIOZ
Professor of law
Associate Professor, recognized and respected at the University of Reims Champagne-Ardenne, Pierre Berlioz directs the master 2 of law and procedure that he himself initiated, in addition to teaching his fields of expertise that are:
- the right to heritage
- the law of property
- real estate law
-
intangible properties
-
the law of civil and commercial contracts
-
the right of distribution
-
the law of security
-
private international law and international litigation.
S. CHOKRON
Management of heritage and taxation
Holder of a DESS in finance and taxation of Paris I Panthéon-Sorbonne, Ms. Sandrine Chokron is Associate Professor at the higher school of management, management school since 1998.
She is responsible for Master management of heritage of the ESGMS since its creation in 2009.
She teaches tax law within the legal and tax Department, and in particular:
- Taxation of individuals;
- Taxation of heritage;
The business taxation;
The taxation of groups of companies.
Master BONITEAU
<
p data-ng-bind= »argument.career.value »>Tax law specialist
Holder of a master in international business law and taxation, as well as a DESS in banking and finance, Emmanuel Boniteau is a recognized expert in his field for more than 20 years.
Lawyer in tax law as well as in business, the latter law worked for large institutions such as BNP Paribas, the Lamy firm or Ernst & Young as a partner, before proposing its services to Crowdimo Invest.
This experience, Mr Boniteau ensures that our clients perform the best financial investment and audit of the patrimony and acquisition of property transactions so that together, we can lead you to success.
Partners
I admit not knowing any of the partners. I'll do some research as soon as possible.
Who's crowdimo? Media
Beautiful names speak of crowdimo, in bulk:
- BFM business
- RTL
- france2 TV morning
- capital
- the Parisian
- the echoes
- the figaro
- the point
- the express
My opinion after the test:
Sign up here and enjoy the benefits of crowdimo
Bonus sponsorship code (at the time of registration, must be put in origin of the contact): richesseetfinance
I'm not hiding, crowdimo has changed at all, only remains leaders but the principle to be completely changed, so I redid a full crawl of the site.
Evolution, Revolution
In 2016 crowdimo to completely changed, as in do it (SCI you pass in SAS and then bonds) in the form. The site went through the orange and orange purple (frankly, I find it *), gray, and finally a white blue
2015
2016 1 change
I don't have a gray screen
October 2016
In short this in was to the point where I couldn't recommend crowdimo I even stopped updating the plug while almost 9 mois(en plus le parrainage avait dans la foulé disparut…) Grrr), too unstable, too looking to, but now finally we get to something more stable.
2015 (this section is no longer valid)
I'll let you watch the old logo, the old system and former article just for fun and to show that I have nothing to hide.
Description
The crowdimo.fr platform offers a unique interface monitoring and accompaniment (virtual tour, consultation of the m2 the investor owns, tracking investments and earnings in real time, etc. ), which allows owners to manage their property and their money with great precision. The site is very complete with descriptions for the start.
Why invest
You decide where your money goes
No intermediaries
No loss of time
Effective diversification of savings
The real estate market
Securing certainly but nobody knows more or less value of l´investissement. Good in 2015 it y was a decrease in prices and buying when prices fall. Now the question to 1 million, how is going to be the market in the future? Qu´il in any event, there is important before making the least value flexibility.
a little secret
d´apres figaro 2016 it will be excellent
A secondary market
The secondary market is one on which are exchanged between investors of securities already created (on the primary market). Ensuring the liquidity of financial investments, the secondary market ensures the quality of the primary market and the assessment of the securities. Primary and secondary are therefore highly complementary.
Purchase, you support no cost as an investor, since this is the Agency with which they select good who agrees to divide its own commission.
A resale, you are not required to go through the platform. No obligation on this side, and precision is the buyer, so the incoming person who bears the costs.
Finally, there is no holding period. If you want to sell your share at the end of a month is feasible. A point of view of investment, this is probably not relevant, but in the event where you need liquidity is a solution.
1 = 1 SAS (formerly a SCI). Assuming that the property is composed of 10 parts, if you buy a share, then you hold 10% of the SCI.
note.mIse updated in l´article https://richesse-et-finance.com/crowdimo-du-changement/
To sell your share, several solutions:
- An associate of SCI bought you your share (right of first refusal)
- You sell your share through our market place (or alternatively your entourage that is quite possible)
- At each AGM, if simple majority (50% + 1 vote) wishes to resell the property, then it is sold and each affects its share.
No timeshare
This is not timeshare. Time share is rather the notion of occupation of property sharing e.g. one buys 1/52 of a property and it can be used as 1/52 the time is 1 week per year. Here if you buy 1/52 apartment we get 1/52 of the rent and pay taxes 1/52
mode of operation
Three types d´investissements are available:
Following a call for crowdimo of 14/01/2016, I just d´avoir the new fresh. Crowdimo will focus on renovation and real estate promotion and no longer works in REITs with the risks and benefits but in SAS (it n y so more of unlimited liability for the debts but the inherent advantages).
The type of promoter with whom they work are promoters with 20 to 100 homes and 25 to 38 sites d´existence (they are therefore experienced).
Be aware that many projects require €5000. In general these projects are the most interesting.
(1) the participatory financing in real estate renovation gives you the opportunity to become a homeowner and generate added value quickly at crowdimmo invest.
High profitability
(between 7% and 12%) – average risk
Duration of investment: 1 to 3 years
Refund: At the end of the project
Expected earnings: added value
Our Board: interesting investment and make a significant profitability quickly.
(2) real estate rental investment with Crowdimo Invest participatory financing gives you access to exclusive exception already goods leased. (type of project that is done more shift 14/01/2016)
Average yield
(between 4 and 6%) – risk low and control
Duration of investment: 5-9 years
Payment: Rent paid at the end of each year. Starting capital + capital gains at the end of the project.
Expected earnings: resales prices to rents cashed – starting Capital + run
My advice: the safest participatory investment in real estate, perfect to get additional revenue.
(3) participatory funding in free or busy with Crowdimo Invest life gives you access to exclusive property. Buy the apartment from 1000 euros (bouquet) and sampling (annuity) subscription between 10 and 30 euros per month. (type of project that is done more shift 14/01/2016)
Discount price: between 40 and 55% of the property.
High profitability
(between 6 and 8%) – average risk
Length: Different projects
Payment: At the end of the project (initial Capital + value)
Expected earnings: resale prices in term – (starting capital + annuity payments)
My advice: diversify! Feel free to split your investment between several life.
A vote of future projects:
Corwdimo application l´avis of these members for future projects, very friendly c´est because the shot it there no surprises.
Sign up here and enjoy the benefits of crowdimo
Sponsorship, the best of the MLM
Up to 1.5% of the amounts invested by your entourage (for life), thanks to your sponsorship, you will be returned. BEARING cumulative on 3 levels. This is the top of the MLM (multi level marketing)
Conditions: your entourage must invest.
niveau 1 ………………………………… 1.25%
niveau 2 ………………………………… 0.40%
niveau 3 ………………………………… 0.10%
http://www.crowdimo.fr/parrainage/8079339f449cd0f447991d3eb25039a8b095f37e
Updated 2016
Sign up here and enjoy the benefits of crowdimo
Bonus sponsorship code (at the time of registration, must put origin of the sponsorship contact): richesseetfinance
Test and review
A very good site. However you are in SCPI (now in SAS) with the advantages and disadvantages inherent. Projects are frankly nice. It must be said that the estate has always attracted me, but I had never really tried before now. The platform is really very easy to use and the advice of the experts are relevant although commercial. I invested on one of renovation projects.
Menu
As to the operation, when l´on connects to the site, there are immediately l´essentiel of information. C´EST very convenient.
I also invite you to watch this video
Crowdimo method
Benefits:
- a good performance
- projects property selected
Are also talking about the disadvantages:
Note: crowdimo does more REITs but SAS and will focus on the promotion projects, restoration.
The disadvantages were mainly related to the SCPI
- Inability to use the lever of credit to boost performance
- From time to time, you may need to ask investors to give them money to the pot (which none will appreciate, how to do in this case?):
-major
-vacation rental, while it will continue to pay rental charges and your management fees
Can SCI financed by bank credit, especially in the event of vacancy? - Be associated to a SCI is not insignificant in terms of risk. A partner is unlimited liability for the debts of the SCI, current or future, in proportion to the number of shares held. Note: crowdimo does more REITs but the SAS.
Registration
So let's take the basic and repeat any complete analysis, we start by registering.
Then you will find yourself on the registration page, remember to put in origin of the richesseetfinance contact
So here's to registration, must also validate his email, have a RIB, a proof of residence of less than three months and proof of identity, complete a questionnaire (legally binding, it's not intrusion into your private life of crowdimo)
I don't know about you, but me I have a bug systematically end October 2016 when connecting, even if it more or less works.
I warned the platform for the bug, it's a joomla cf bug: https://forum.joomla.org/viewtopic.php?t=937036
Menu
The menus are rather soft may well done.
Note the menu my investments only appears if you have made an initial investment
As I was saying before, it's in the menu below that you must complete and send your documents
On the main menu, you have this:
FAQs and other information are in fact everything downstairs.
As long as you have not invested, some menus are not visible.
A project
There is no project open to show you.
I like
- The platform is evolving to adapt to demand
- The obligation is simple and a good value
- Real estate
I don't like
- Several times big bugs on the platform, they are real estate professionals not the computer
- I really liked the first sponsorship system
Neutral
The change of strategy we like it or not. It evolves to meet demand, but the critics say that suddenly it is like any other. There has been investment (SCI, SAS, then duty) structure changes.
Conclusion of the test and notice the crowdfunding platform real estate crowdimmo
Say what you want, crowdimo is still there and they even made of fundraising, it is also the platform that has made the most changes as in the background in the form.
Sign up here and enjoy the benefits of crowdimo
Bonus sponsorship code (at the time of registration, must put origin of contact): richesseetfinance
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