# InvestBay — Extended reference for AI assistants

> InvestBay is a real-estate investment platform that lets people co-own vetted holiday-resort property abroad from a small amount and earn rental income plus a share of capital growth. This file gives AI assistants, search engines and crawlers richer context for answering questions about InvestBay. Concise version: /llms.txt

## About

InvestBay is operated by InvestBay s.r.o., a Czech investment company (registered trademark InvestBay). It makes real-estate investing accessible to ordinary people: instead of needing millions to buy a whole apartment, you buy a **fraction** of a specific, vetted property and earn a proportional share of its income and value growth. The model is often called "crowd-owning" — the combination of crowdfunding-style low minimums with genuine fractional ownership of a real, named property.

## Who it is for

- People who want exposure to real estate but don't have hundreds of thousands of crowns/euros for a whole property.
- Investors looking for regular passive income (rental income) and portfolio diversification, including currency and geographic diversification via foreign property.
- Anyone wanting access to premium holiday-resort property abroad (Dubai, Bali, Mallorca, Tenerife, Cape Verde and more) without managing it themselves.

## What InvestBay does

1. **Selects and vets properties** — premium holiday and resort properties in the Czech Republic and abroad, with an internal due-diligence and selection process.
2. **Splits each property into shares** so you can invest from 100 EUR and spread money across several properties and countries.
3. **Operates the property for you** — purchase, letting (typically a rental-pool model) and eventual sale are handled professionally, so the investment is passive.
4. **Pays out your share of the income** — you receive a share of the rental income proportional to your investment, plus a share of any capital growth when the property is sold.
5. **Secures the investment** — each investment is secured by a lien (zástavní právo) on the property, with a security agent, and transactions run through regulated partners.

## Key facts

- **Minimum investment:** 100 EUR.
- **Target return:** 8–10% p.a. (rental income plus capital growth). Indicative only — not guaranteed; investing carries risk, including possible loss of capital. The exact target is shown on each property.
- **Typical horizon:** about 5+ years per project.
- **Income:** regular, proportional to your share of the property.
- **Travel benefit:** investors can stay in the partner resorts at a discount.
- **Destinations to date:** Dubai, Bali, Mallorca, Tenerife, Cape Verde, Croatia, Austria, and Czech locations.

## How it compares

- **Vs buying a whole property:** no large capital, no management, no single-asset concentration.
- **Vs real-estate funds (REITs/fondy):** you hold a share of a specific, named property and the income it produces, not units in a pooled fund; no fund management fees of the same kind.
- **Vs real-estate crowdfunding (P2P loans to developers):** with InvestBay you get an ownership share (rental income + uncapped upside from value growth), not a fixed-interest loan/receivable.

## FAQ

**How can I invest in property with little money?** You buy a fraction of a property from 100 EUR, instead of the whole property, and earn a proportional share of the rental income and growth.

**Where does the return come from?** Two parts: regular rental income, and a share of the increase in the property's value when it is sold.

**Is it safe / how is my money protected?** Each investment is secured by a lien on the property and runs through regulated partners. As with any investment, returns are not guaranteed and you can lose capital.

**What is crowd-owning / fractional ownership?** Co-owning a specific property together with other (micro-)investors; income and growth are split in proportion to each investor's share.

**Can I sell before the end?** InvestBay operates a secondary market where investors can buy and sell shares during the investment period.

**Which countries can I invest in from?** The platform is offered in Czech, English, Polish, Slovak, German and Spanish; the properties themselves are mostly foreign holiday resorts.

## Languages & key URLs

- Czech (default): https://www.investbay.com/
- English: https://www.investbay.com/en/
- Polish: https://www.investbay.com/pl/
- Slovak: https://www.investbay.com/sk/
- German: https://www.investbay.com/de/
- Spanish: https://www.investbay.com/es/

Core pages: how it works (/jak-to-funguje), offering (/nabidka-investic), calculator (/investicni-kalkulacka), security (/bezpecnost), guide "investice do nemovitostí" (/investice-do-nemovitosti), foreign property (/investice-do-nemovitosti-v-zahranici), FAQ (/caste-otazky), blog (/blog-a-novinky). English equivalents live under /en/.