How Harmony makes for a worry-free investment
Investor relations
When you invest with Harmony, you lend money to buy and renovate a house for vacation rental. To understand how this investment works, you can read our dedicated article. Like all investments, this one involves risks. Income, capital and liquidity are not guaranteed. Nevertheless, Harmony has considered all eventualities to offer you a worry-free investment.
A long-term, liquid investment
Real estate investments pay off over the medium to long term. It allows the expenses incurred at the time of acquisition (acquisition fees, sourcing fees) to be amortized. That is why Harmony has chosen an investment with a 10-year horizon. This gives you a clear vision of when your initial investment will be returned to you, with any capital gains (in addition to the rental yield, of which you'll receive a share every month).
You may need to withdraw your investment sooner, which is why it is important to offer you liquidity. An investment is considered liquid when it can be sold quickly without major impact on its price. After three years, we guarantee to recover your investment in the event of a life event (wedding, birth, acquisition of a principal residence, accident...). You will find more details on this possibility in the terms and conditions of the investment.
An investment protected by a guarantee
We have put in place a guarantee: the mortgage. If, for any reason, Harmony were unable to operate the property properly so that you could obtain your share of the rental returns, you would then become the direct owner of the property. This would enable you to recover your share of the sale. We have put in place a protocol to facilitate the management of the sale in this scenario.
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