Investing in Rotterdam.
Help finance our projects.
You lend directly to HomeINN B.V. for one specific project: properties we buy ourselves, refurbish with our fixed construction partner Lageweg Services B.V. and then sell or let. Fixed interest, fixed term, one loan agreement.
You get the figures before you decide.
No paper forecast: this is the existing portfolio of HomeINN B.V., properties registered in our name and bought partly with bank financing. We deliberately do not put the amounts per property online: they belong with the project you are looking at and with a conversation. Request the project information and you receive them in full, before you decide.
We go through the substantiation with you in person.
- Purchase price and financing position
- In the file
- Renovation budget from our fixed construction partner
- In the file
- Appraisal of the value after renovation
- In the file
- Planning, subdivision and permits
- In the file
- Figures and debt position of HomeINN B.V.
- In the file
- Interest, term and conditions
- In the loan agreement
We do not publish amounts per property. You receive the full figures (cost basis, renovation budget, the appraised value after refurbishment and the exit per apartment right) per project and by name, within one working day of your request, together with the figures of HomeINN B.V. Your loan is earmarked for one project, but your claim is on HomeINN B.V. as a whole. Setbacks in other projects can therefore also affect your payment.
- The project file of the property of your choice, with appraisal and budget
- The financial figures and debt position of HomeINN B.V., including the bank financing, the outstanding subordinated loans and loans from earlier lenders, shareholders, directors and group companies, showing for each debt whether it ranks ahead of you
- The schedule per phase: purchase, subdivision, refurbishment, sale or letting
- A draft of the loan agreement, with interest and term
- A personal meeting in Rotterdam or at your office
No newsletter and no sales pressure: you receive the project file and we follow up once by phone.
What your loan yields is set out in your loan agreement.
We do not put a worked example on the website: interest, term and conditions are set in writing per project. You see them on paper before you decide.
- 01You request the project informationWithin one working day you receive the property file (appraisal, budget, schedule and the exit per apartment right) and the figures of HomeINN B.V.
- 02We meet in personYou go through the figures with us, ask your questions and view the property if you wish. No call centre — you speak to the owner.
- 03Everything in black and whitePrincipal, term, interest and conditions go into an individual loan agreement with HomeINN B.V.; you receive interest and repayment by bank transfer.
Participation is open exclusively to professional market parties: from €100,000 in a single amount per participant. The rate is fixed; payment of interest and principal is not guaranteed. You may lose interest and all or part of your principal.
This overview is information, not an offer and not advice. The value after refurbishment is an appraisal. A loan to HomeINN B.V. is not a savings product: it is subordinated and unsecured, and you may lose interest and (part of) your money. Participation is open exclusively to professional market parties: from €100,000 in a single amount per participant.
What you, as a lender, should take into account.
- Ability to payYou depend on HomeINN B.V.'s ability to pay interest and principal.
- SubordinationIn bankruptcy you are paid only after all other creditors, including the bank.
- No securityNo mortgage, no pledge, no right to the proceeds and no guarantee.
- One companyYour claim is on HomeINN B.V. as a whole; setbacks in other projects affect you too.
- RepaymentIf a sale, letting or refinancing is delayed, your payment may be delayed or may not take place.
- No early exitOnly callable early in the cases set out in the agreement, such as default or bankruptcy; transfer excluded as far as the law allows.
- ProjectMarket, construction, financing, subdivision and permits: setbacks there affect HomeINN B.V.'s ability to pay.
A renovation is only as strong as the team that carries it out. HomeINN therefore works with fixed partners for construction and architecture.
- Construction partner
- Architect3Hoog Architecten
From introduction to repayment.
In three steps.
A loan to HomeINN B.V. for one project that we buy ourselves, refurbish with Lageweg Services B.V. and then sell or let. One loan agreement, directly with us.
What lenders usually ask us first.
A subordinated loan to HomeINN B.V., earmarked for one specific project. You are entitled to a fixed interest rate and to repayment of your principal at the end of the term; interest and repayment are not guaranteed. You do not become the owner of the property and obtain no security right and no right to the sale or rental proceeds: your claim is on HomeINN B.V. as a whole. You enter into one loan agreement, directly with HomeINN B.V.
The interest rate is fixed: 7% per year for a one-year term; for a longer term we set the rate per project. The interest does not depend on the profit or proceeds of the project. We pay interest annually and repay the principal in full at the end of the term, by bank transfer, even if the property has not yet been sold. We do so from HomeINN B.V.'s general resources: sale and rental proceeds, refinancing or new financing. If a sale or refinancing is delayed, your payment may be delayed or may not take place. The rate is fixed; payment of interest and principal is not guaranteed.
The interest remains owed, even if the project yields less. But setbacks in this or another project can impair HomeINN B.V.'s ability to pay; payment of interest or principal may then be delayed or may not take place. In bankruptcy, suspension of payments or liquidation, all other creditors are paid in full first, including the bank that co-finances our properties and the tax authorities. Only then are the subordinated lenders paid, pro rata among themselves. Little or nothing is often left. Also during a composition with creditors, such as a WHOA composition under Dutch restructuring law, you receive nothing until the creditors ranking ahead of you have been paid. A composition confirmed by the court can bind you even if you vote against it, and can reduce your claim or defer its payment. Calling the loan does not give you priority over other creditors.
None. You receive no mortgage, no pledge and no right to the sale or rental proceeds, and nobody guarantees payment. Your loan is also subordinated: in bankruptcy you are paid only after all other creditors have been paid in full. A loan to HomeINN B.V. is therefore not a savings product: you may lose interest and all or part of your principal.
You cannot call the loan early, except in the cases set out in the agreement, such as default or bankruptcy of HomeINN B.V. Transfer and pledge of your claim are excluded as far as the law allows; if you lend in the course of a business, Dutch law (art. 3:83(3) Civil Code) limits that exclusion. Expect not to have access to the money until the end of the term. HomeINN B.V. may repay the loan in full early; you then receive interest up to the day of repayment.
Participation is open exclusively to professional market parties: from €100,000 in a single amount per participant. You request the project file, we meet in person and you then sign an individual loan agreement. Before you transfer anything, we verify your identity and the source of the funds. You transfer the principal in a single payment, from an account held in your sole name with a bank in the European Economic Area (no joint account). This page is an invitation to an introduction, not an offer.
HomeINN B.V. charges you no costs for the loan. The costs of your own advisers and your own tax position are for your account. This is not investment, tax or legal advice; obtain independent advice where necessary.
Request the project information.
Let us know below where your interest lies. You receive the project file (purchase price, refurbishment budget and schedule), the financial figures of HomeINN B.V. and a draft of the loan agreement with interest and term. We then schedule a personal introduction. You decide only after that.
- Eleven properties in the name of HomeINN B.V., bought partly with bank financing
- One loan agreement, directly with HomeINN B.V.
- Interest annually, repayment at the end of the term
- Reply within four hours on working days
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