FAQ

Frequently asked
questions

Getting started
What is InRento?

InRento is the first and largest licensed buy-to-let crowdfunding platform in the EU. InRento is licensed and supervised by the Bank of Lithuania. 

What are the benefits of investing via InRento?

InRento investors earn passive income from buy-to-let projects.

With InRento, you don’t need to have large amounts of funds to be able to invest in real estate rental projects. 

The main advantages of the investment are:

-Lower risk projects as project owners pay interest from monthly rent;
-Capital gain allows earning additional returns when the asset is sold at a higher price;
-Mostly, indexed rental income (interest). Protection against inflation;

All investments are protected by a primary mortgage. The mortgaged real estate is pledged on InRento (investors).
 

How does InRento differ from other platforms?

InRento is the first and largest licensed buy-to-let crowdfunding platform in the European Union.

Unlike other investment platforms, investors don’t have to think hard about how the investment will be repaid, as the cash flows of InRento projects depend on rental income. Generally, buy-to-let is considered a lower-risk investment compared to development finance.

In InRento, investors can also earn from real estate capital gains when assets are sold at a higher price than when they were purchased.

What happens to my investments if InRento goes into bankruptcy?

InRento is licensed and supervised by the Bank of Lithuania, which is why the company has strict capital requirements. In the unlikely scenario of InRento default, a contractual administrator would be appointed to meet the needs of investors and project owners.

InRento acts as an intermediary and expert in selecting investments. Financial agreements are concluded directly between investors and project owners. That means that any other administrator or financial institution could take over loans.

How to invest through InRento?

First, you need to register and become part of our investor community: https://inrento.lt/private-registration.html

Confirm your identity and choose one of the payment systems – Paysera or Mangopay.

Finally, select the project you want to invest in, read the terms and click - Invest.

What legal regulations apply to InRento?

InRento platform is licensed and regulated by the Bank of Lithuania and operates following the regulations of crowdfunding operators. InRento follows the laws of Lithuania and the regulations of the European Union. More information is available on the Bank of Lithuania website: https://www.lb.lt/en/sfi-financial-market-participants/uab-inrento

Adding funds
Where are investor funds held?

Before investing on the platform, all InRento clients must open a Paysera or Mangopay payments account where each client keeps funds separately. Both Paysera and Mangopay are licensed and regulated. 

InRento does not directly touch clients’ funds and all the time investor’s funds are kept separately from any InRento activity.

Paysera financial license number - LB000251 (https://www.lb.lt/en/sfi-financial-market-participants/paysera-lt-uab)
Mangopay financial license number- B173459 (https://searchentities.apps.cssf.lu/search-entities/entite/details/9651?lng=en&q=&st=advanced&entNames=mangopay)

How can I add funds to my InRento account?

Log in to your InRento account, and select – “Deposit” in the “Portfolio” section.

Keep in mind that before funds are deposited, you must have chosen one of the payment systems – Paysera or Mangopay.

 

 

 

Investing
Who can invest in InRento projects?

People (adults) over 18 years old who hold a bank account. Before investing, clients must confirm their identity and choose one of the payment systems – Paysera or Mangopay.

What is the minimum investment?

The minimum investment is 500 EUR.

What are the applicable fees for investors?

InRento clients are not subject to any investment fees in the primary market.

Investors are only subject to trading – 2% secondary market tax if an investor decides to sell their investment to another investor before the loan term is exceeded.

In addition, if the project owner is non-compliant with financial obligations or is late on interest payments for investors, InRento charges a 0.1% loan administration fee on the interest payable.

What is the flow of funds when investing on InRento?

Mangopay:

After an investor makes an investment into a particular project, the funds are moved into a client’s sub-wallet, which is used only for that project’s investment. When the project is funded and property is being mortgaged, the funds are transferred to the project owner’s wallet and paid out to his bank account.

In a situation where the project would be cancelled, the funds are returned to the investor's main Mangopay wallet.

Paysera

After an investor makes an investment into a particular project, the funds are reserved in the investor’s account. When the project is funded and property is being mortgaged, the funds are transferred to the escrow account controlled by Paysera and then paid out to the project owner’s bank account.

In a situation where the project would be cancelled, the funds are returned to the investor's Paysera account.

Two-Factor Authentication (2FA)
What is two-factor authentication (2FA), and how does it work?

2FA helps to increase the security of your investment account. You will need to verify the login with an external authentication mechanism.

InRento uses – Google Authenticator, which is commonly used on other websites. If you activate 2FA for your InRento account, you will be prompted each time you log in.

How to enable the 2FA feature?

Log in to your InRento account, select – Account, and click – Two-factor authentication. After activating 2FA, you will be asked to scan the QR code and enter the code each time you log in.

Secondary Market
What is the secondary market?

A Secondary Market is a place where you can sell your investments to other investors or buy investments from other investors.

What is the secondary market fee?

The seller is charged 2% of the selling price (investment).

What are a discount and a premium on the secondary market?

With a discount, you can sell your investment at a lower price than you bought it. The higher the discount, the faster you are likely to sell your investment.

With premium, you can sell your investment at a higher price than you bought it. The higher the premium, the longer it may take to sell the investment. 
 

Taxes
Do you have to pay taxes on income received from InRent projects?

You can find all information related to taxes on this page: https://inrento.lt/blog/important-information-about-taxes

Where do I find my tax report?

You can find your tax report in the account section on the bottom-left side of the page, you just have to press on it and a pdf file will be generated to you.