The platform of the day is the platform lymo, a platform of real estate crowdfunding which particularly interested me and I'll make you the presentation.

Lymo presentation

Lymo is the french pioneer of the estate crowdfunding.

Lymo allows individuals to finance real estate projects rigorously selected, audited and developed by its teams.

Lymo is proud to count Bouygues Immobilier among its shareholders.

All projects are different and therefore should be particularly vigilant in the analysis of the project in which you want to invest. Lymo however specialises in the financing of operations of MIC-real estate promotion. It's small size (between 5 and 25 lots) operations which, given their size, have indisputable advantages for buyers: less than neighbors, condominium less, no or little social housing, central location because small field. All implemented in urban areas growing, generally large settlements. These advantages allow to minimize the risk of poor sales, and therefore maximize securing for the investor.

Repayment of 12 to 24 months depending on the projects, buying bonds of SAS. From €1000

 

Lenders

Why invest

The benefits most often referred by our investors, include high efficiency (10% per year), the concreteness and securing real estate, the intellectual interest (follow real estate transactions "from the inside") and investment in the real economy.

Performance

10 performance is very interesting compared to the classic savings

Securing

Stone investment is the favourite of the french.

Real

Invested in the real economy is very rewarding, no speculation here

Toll free

You pay 0% of costs, only the promoter pays the fees to the platform.

Lymo investor FAQ

Risks

The risks are high: you can lose some or all of your capital or your interests (you can however not lose more than your capital). The performance of these investments is high. Indeed, one of the main rules in investment is that risk and profitability go hand in hand: most profitability, the higher the risk. Therefore, invest only in what you understand and only the amounts for which you do not immediately need.

That is what the real estate crowdfunding?

The estate crowdfunding (or "participatory financing" in french) is the possibility for individuals to invest easily (100% online) in real estate projects and touch high returns (10% annual return in Lymo).

How does it work?

The model includes 3 players: the promoter, the platform and the investor (you). The project promoter is a real estate specialist who wants to carry out a real estate project, namely, to construct or renovate one or more goods to resell them to realize a capital gain. To do this, they have funds. It will therefore to appeal to the audience (you) to 'borrow' these funds, carry out his project, a margin, and repay you with the realized margin.

The platform, she analyzes the real estate project and allows you to easily invest online. Payment and signing of documents are 100% online.
<h3">What are the benefits?</h3">

The benefits most often referred by our investors, include high efficiency (10% per year), the concreteness and securing real estate, the intellectual interest (follow real estate transactions "from the inside") and investment in the real economy.

How to start?

Sign up for free to get access to the offers in current funding and be notified of upcoming projects online. In order to invest, you will need to completely fill your investor folder (after 48 h working days for statutory audits).

Who is Lymo?

Lymo, created in 2013, is the french pioneer of the estate crowdfunding. Peculiarities: 1 / focus small projects 2 / controlled operationally by its 3 teams / by mostly paying for success. 4 associates are experts of the real estate. Their mini-biographies are available here. Lymo, via its subsidiary Lymo Finance, is Advisor investment participatory registered with the ORIAS under number 15004746.

Real estate Bouygues is shareholder of Lymo at 7% since June, 2015.

What is a draft model for Lymo?

All projects are different and therefore should be particularly vigilant in the analysis of the project in which you want to invest. Lymo however specialises in the financing of operations of MIC-real estate promotion. It's small size (between 5 and 25 lots) operations which, given their size, have indisputable advantages for buyers: less than neighbors, condominium less, no or little social housing, central location because small field. All implemented in urban areas growing, generally large settlements. These advantages allow to minimize the risk of poor sales, and therefore maximize securing for the investor.

How are projects selected?

Lymo specializes in operations of MIC-real estate promotion, because its advantages (less than neighbors, less charges, no or little social housing, central location) facilitates the marketing of goods. After the operation is indicated, the selection Committee composed of 4 Lymo Associates meets and decides whether to fund the operation. 3 of 4 Lymo Associates, including the president of Lymo Finance (with the activity of crowdfunding) must validate the project so that it is financed. Among the 95 selection criteria, the Committee is particularly vigilant on 3 points: the ability of the project to be traded easily, the complexity of the work and finally already obtained administrative permissions. On this last point, it is important to note that Lymo funds only operations with planning permission obtained and purged.

What is the funding for a project type?

Let's take the example of a project type of real estate where the promoter has a turnover (= the sum of the sale of all goods) of 115 for a cost of returns (= the sum of all costs of the project) of 100. He therefore made a margin of 15. To finance the cost of returns 100, it will start selling apartments on plan which will enable it to finance 40 (purchasers pay the promoter and extent of the work, which allows the latter to pay companies in return). It then goes to a classic Bank loan for 40, but the Bank will ask him to make himself the 20 missing: it will therefore look for private investors in crowdfunding. This is because the amount that borrows the promoter represents only 20% of its needs that he can pay him as much for him (10% per year).

How do I participate in this project, as an investor? What is what I buy and what do I own?

At Lymo, you purchase bonds of an SAS carrying out the building project for which you have subscribed. Indeed, each new project, a new company is created. The company will issue a bond whose terms (coupon, maturity, etc…) are provided in the specifications of the project. You do not hold shares or assets (land, housing, etc.) of this company. You hold one or more obligations. This detention is formalised by the signing of a contract bond, you realize the subscription online.

What is the performance of a project?

The yield is the same for all projects: 10% per annum. Compensation is calculated pro rata temporis: If the project lasts 18 months, interest will be paid for 18 months.

What are the risks of the project?

Each project at his own risk, it is therefore imperative to well analyze the peculiarities of the project in which you want to invest before decide you. When your investment, these risks will be listed in the regulatory Document for Information that you should read before investing. You can also ask questions on the forum of the project and take knowledge of the questions asked by other investors. Finally, you can contact us for free at any time to info@lymo.fr or 05 82 95 62 53. Your goal should be always the same: understand what what you invest.

 

How am I informed of the progress of the project?

You are informed quarterly of the progress of the project via a reporting which is sent to you by email. Of course, you can contact us in the meantime for more information. In addition, you can track all your projects in your personal dashboard.

After how long am I reimbursed?

12 to 24 months depending on the projects.

How is the project promoter pays?

The project promoter is pays by selling properties. Financial expenses which he must pay to reimburse investors are included in the balance sheet of its operation, as a financial burden. Note than in Lymo, bearer of project and platform are part of the same group. However, these are separate companies.

How is pays the platform?

Platform is compensated by taking a commission on the amounts raised from the project promoter. It is not paid to the investor (you).

How to have access to financing projects?

To gain access to funding projects, you must register as a member (fast and free). For this click on the button "register / login" top-right on the home page. If there is no project financing when you register, don't panic: you will receive by email a notification when the next project will be available.

How to invest in a project?

Once you are a member, you must complete your investor profile in order to invest. This is a mandatory and regulatory procedure that is done 100% online. Click on your name displayed at the top of the page once connected, click "My profile", to begin to fill.
We will ask you include a copy of proof of identity and proof of address. For regulatory reasons to fight money-laundering and the financing of terrorism, these parts will be verified by a third party company. Please note that this verification process may take up to 48 h.

Why should I provide my identity documents?

As a crowdfunding platform, we comply with the law on European and French to fight money laundering and terrorism. To this end, we must verify the identity of every investor to fill trace the origin of the funds. This is why you must provide your identity documents.

Can I invest through a company?

Yes. To do this, it is essential that you mentioned that it is the company that will invest when completing your investor package. Specific parts you will be then asked: KBis of less than 3 months, statutes, identification of leaders.

Also note that the tax is that of your company. Unlike natural persons, Lymo collect no tax on capital gains. You declare them to financial income.

What are the means of payment accepted?

3 modes of payment are possible: the electronic wallet, credit card or cheque.

• The electronic portfolio is a personal account Lymo that you feed from your bank account via wire transfer. It is visible in the 'My profile' section. Once the funds on your wallet, you can instantly transfer on a project. Alternatively, you can return at any time and free of charge on your bank account of origin funds held in your electronic portfolio. Payment through eWallet is immediate.
• The bank card (CB) is usable within the limit of € 10,000. Payment via CB is also immediate.
• Cheques, transmitted by post, will allow you to participate in the project if they are received before the total of the amount sought, the rule being that of "first come, first served". Payment by cheque guarantees and therefore not whether you are investor.

Finally, note that to pay via e-wallet or the CB, you must have completed your investor profile, which validation may take up to 48 hours working days. This is not the case of payment by cheque: you can if you pay by check to complete your investor profile that later (you need to however doing so that your subscription is validated).

Must what fees I pay?

You pay 0% of costs, only the promoter pays the fees to the platform.

taxation

What is the default taxation?

In accordance with article 125 A of the general tax Code Lymo collects in taxes 39.5% interest income. This amount is composed of an advance lump sum tax (IR) 24% and 15.5% social security contributions.

Example: I invested € 1000 January 1 N, in a project of 10% per year. The project ends December 31 N. My gross interest (excluding tax) are € 100. My net interest are € 100 – 39, €5 = 60, €5. Lymo therefore reverse me my capital + my net interest, € 1060.5.

Note that you receive from Lymo a summary of your interest accrued in year N at the beginning of the year N + 1 (print tax) single. These information are also forwarded to the State and will appear already pre-filled on your return for the year N + 1. N + 1, your tax deduction will automatically be adjusted depending on your Marginal tax (TMI) rate: downward if your MRI is less than 24% upside otherwise.

How can I reduce taxation?

You have several ways to reduce the tax paid:

You are not tax resident in France. In this case, thank you to send us (info@lymo.fr) tax attestation by the tax authorities of your country of residence or a copy of your tax notice in your country of residence. You will be exempt from any tax.
Your tax reference in N – 2 income does not exceed a certain amount (depending on your family situation: €25000 for single, widowed and divorced, and €50000 for a couple with joint taxation). You will be exempt from IR in year N. Attention: to qualify for this discount, you must send a certificate to no later than November 30, N-1. This certificate is valid only for the revenues collected in N and must be renewed every year if you want to continue to benefit from and you are still eligible. Download the certificate and return it (info@lymo.fr).
Your marginal tax bracket is 30%, 41% or 45% and you receive less than € 2000 interest all establishment confused: you can ask to be imposed for 24% of IR on those interests.

Can I lodge my investment in a PEA?

No, because at Lymo you invest via single bonds, and these last are not eligible for the different PEA.

Is placement Lymo eligible for tax exemption EWB?

No, because at Lymo you invest via bonds, and not actions.

How to make a claim?

If you have made an investment and have a subject of dissatisfaction, you can write to us by email on a dedicated address (investisseurs@lymo.fr) or by phone (05 82 95 62 53, price of a local call). An initial response will be sent within 72 hours (working days).

Project promoters

Why borrow at lymo?

Lymo is the only platform that brings you money and complementary services: you focus on what you love to do.

lymo it also services and more:

1. Financing. Lymo brings own funds or helps you find Bank financing.
2. Completion financial security. In the case of promotion project, Lymo takes care for you of the formalities.
3. Insurance. Lymo helps you to compare the best insurance and assists you in their subscription.
4. Construction. Our teams can take responsibility for the site.
5. Marketing. We provide our networks to market your program.
6. Mounting. Lymo advises you on the best way to maximize the margin by reducing costs and maximizing the CA.

 

FAQ

Please note that Lymo will not fund:

• projects designed to retain housing to rent (heritage objective)
• projects outside of large French cities or sought-after coastal areas
• projects without residential component (offices, shops, hotels, warehouses only)

We invite you therefore not post requests in this sense, it may that no answer you is provided.

fill out the form on the page, it is the same as in the screen shot below.

Other information

No sponsorship

Who is lymo?

Lymo Finance is Advisor investment participatory registered with the ORIAS under number 15004746.

Coordinates

<

p class= »address »>Lymo SAS
3 avenue Didier Daurat
31400 Toulouse

Phone: 05 82 95 62 53
Email: info@lymo.fr
VAT FR70812168086

Capital

LYMO FINANCE is a Société par Actions Simplifiée, Advisor investment participatory registered with the ORIAS under number 15004746, with capital of 1,000 euros whose headquarters is located at 3, avenue Didier Daurat – 31400 TOULOUSE, registered at the RCS of Toulouse under number 812 168 086 (hereinafter "LYMO»).

The capital is not high

Team

It is important to have real responsible. Here are the men in black white
Gilles Roucher
President

Graduated from Dauphine, Gilles worked for 25 years in real estate development. He is the founder of Propeus, which since 2004 has directed or assisted the construction of more than 700 homes. He is in charge of commercial animation.
Damien Truchard
Director-General

Graduated from ESC Toulouse and after a controller at EADS, Damien has worked for 6 years in the real estate development alongside Gilles for the Propeus company. He is in charge of finance.

Jean-Baptiste Vayleux
Director-General

A graduate of HEC Paris, Jean-Baptiste worked 5 years at Unibail-Rodamco, European leader in commercial real estate as that asset manager and then Director of shopping centre. He is in charge of marketing.

Jean-Charles Taylor
Director of Operations

A graduate of the CNAM and IAE, Jean-Charles worked 5 years at Kaufman & Broad, major player in real estate development as Director of programs. He is in charge of operations of real estate projects.
Nicolas Pellegata
Responsible for land

Thomas Vuillemin
It Manager

Juliette Ducreau
Technical Manager

Céline Dreux
Assistant

Partners and media who talk about lymo

 

France 2

A video: http://www.lymo.fr/public/Tout%20Compte%20Fait%20-%20France%202%20-%20Lymo%20-%2012-09-15.MP4

The world

The individual

Pressbook-file – 1E4488

The echoes

Capital

Pressbook-file-capital-B452D0 (1)

The figaro

Pressbook-file-le-figaro-6DA305

Wealth – and – finance.com

After the test, my opinion

Let's start with the inscription

nothing too complicated, always have 3 documents that are the identification, the RIB and the proof of residence for enforcement know your customer.

Menu

As I didn't put any money in the site I have no graphics, and beautiful things so I can't judge on this part.

So passing to the Project menu

the Project menu

Special mention to the photographer, the photos are very beautiful. But the menu is classic, it gives some information that we need to go further in the projects themselves.

The example of a project

Risks
Liquidity risk: the sums invested are not liquid (it means that they cannot be redeemed during the operation)

Operational risk: delay on the work

Business risk: delay on the commercialization of housing

Presentation of the project

We are building a mini-residence of 17 lots in a central district of Toulouse to strong demand. The residence is already marketed in 90% while marketing started only 5 weeks ago.

Key points of the operation
Surface floor building:
1,000 m²
Number of lots:
17
Marketing to date:
90%
Obtained GFA:
Yes
Key points of the mounting
Type:
Obligations
Deadline:
24 months
Refund:
Fine in

Synthetic analysis
Forces

Small residence
Central location
Very advanced marketing

Weaknesses

Heterogeneous architecture of the street

Opportunities

Change PLU that can thaw to transform social housing in free slots

Threats

Parking in the basement causing a technical complexity which may lead to further studies

There is even a SWOT (the matrix analysis). Rather, it's not bad at the time.

 

 

Location

The residence is located in the Saint-Michel neighbourhood in Toulouse, equidistant to the courthouse and Saint-Michel Metro (800 m each). Saint Michel is located south of inner city Toulouse. This is a lively district with many bars and shops. It is popular with students who are to halfway between the city centre (where the University of Social Sciences) and the District of Rangueil (where the scientist Paul Sabatier University). The residence is close to the Garonne, the Hotel of the Region, Berthelot high school and a pleasant Park at the end of the street.

Nearby

Access

• Device Toulouse 2.3 km
• Airport Toulouse Blagnac 11 km
Transport

• Metro (line B) 800 m
• Tram (T1 line) 800 m
Services

• Restaurants 100 m
• Doctor 400 m
• Banks 500 m
• Pharmacy 500 m
Children and schooling

• Crèche 400 m
• Kindergarten 200 m
• School primary 400 m
• College 300 m
• High school 200 m
Visuals

Forecast planning

We plan to buy land in June 2016 and start work in September 2016 for a scheduled delivery end of 2017.
Marketing

The marketing on this project has been particularly fast, which is explained by 2 factors. The first is due to nature (mini-residence) and the (central) location of the project: this is the type of project being sought by buyers. The second, related to the first, is that a major French Bank had wished to sell a part of lots for its own customers, which allowed us to quickly sell the latter.