FAQ

Guildroof makes co-ownership of Swiss apartment buildings possible. 20 to 30 people buy an entire building together; each is recorded in the land register with their share. Guildroof finds and checks the properties, negotiates, structures the financing, runs the owners’ community and manages the building.

Guildroof is in formation. There are no properties in the portfolio yet; the buildings on this website are example properties. With an account you sign up for early access.

No. You do not buy fund units but a share of a specific building — with your name in the land register. The value follows the building, not the stock market.

If Guildroof ceases to exist, the building still belongs to its owners. They appoint new management. There is no issuer risk.

With co-ownership, you personally, with your share of the whole building. With the property company, the company is recorded; you hold registered shares.

No. It is co-ownership of the whole building under the Swiss Civil Code. You do not own a single flat but a share of everything.

People allowed to acquire property in Switzerland under the Lex Koller. One person may hold at most one third of a building’s shares.

The owners. Votes are weighted by share, usually online; there is also an annual owners’ meeting. Guildroof prepares and carries out the decisions.

Yes. As a co-owner you have the right to view the building.

You subscribe from CHF 100,000. One person may hold at most one third of a building’s shares.

In four steps: open an account, verify (identity by mobile number, confidentiality agreement), choose property, model and amount, receive income.

In the data room: valuation, land register extract, floor plans, rent roll (redacted) and financial forecast. It opens after verification.

The holding period is 5 to 10 years and is linked to the mortgage. Via the marketplace you can transfer shares earlier, provided a buyer is found.

Only once all shares in a building are committed — directly to the property account at the financing bank or via the notary. Your money never passes through Guildroof’s accounts.

If the financing is not fully secured, the contracts lapse.

With co-ownership, monthly: the rents are paid out to the owners after costs, interest and fees. With the property company, as a dividend or from capital contribution reserves. There may be years without distributions, for example during a renovation.

A one-off acquisition fee of 3 % of the purchase price, included in the purchase costs — no fee charged to the seller. Annually a management fee and an asset management fee, stated separately for each property in the financial forecast. Transfers via the marketplace carry no Guildroof fee.

In general, as a co-owner you declare your share of the property and of its income in your tax return; if the building is in another canton, it is apportioned between the cantons. Dividends from a property company are treated differently from rental income. This is not tax advice — please clarify your situation with a specialist.

Yes, via the Guildroof marketplace — provided a buyer is found. There is no guarantee of the purchase price. With co-ownership, notary, land register and cantonal transfer tax apply, but no Guildroof fee.

The owners decide: refinancing with a two-thirds majority, otherwise sale. You are informed six months in advance.

A separate Swiss company for each property, recorded in the land register. Investors hold registered shares. From CHF 100,000, new builds and existing buildings, held for 5 to 10 years.

Shares can be transferred without a notary and without a land register entry.

Only qualified investors under the Collective Investment Schemes Act (CISA) who are also allowed to acquire under the Lex Koller. You state this during verification.