How we finance and manage property
We believe in full openness about how your participation amount is used. On this page we explain how we finance property and how ownership is legally arranged.
- Separate B.V. per fund
- Purchase, renovation and management in-house
- Set out in the information memorandum
How do we finance the property?
The financing differs per fund. In some funds we cover the full purchase price and renovation costs with bond capital. In other funds we combine this with mortgage financing to increase the fund's capacity.
Because we keep purchase, renovation and management entirely in our own hands, we retain maximum control over the costs and quality of the property portfolio. Which financing structure applies is always clearly described in the fund documentation and the information memorandum.
What does the financing cover?
Every financing covers the following components.
Purchase price
The price at which we buy the property, after a careful selection procedure. We only buy when the price is equal to or below the independent valuation.
Transfer tax
The statutory tax due on the transfer of ownership of the property. These costs are fully included in the financing so that there are no hidden costs.
Renovation and sustainability
The costs of refurbishing the property and making it more sustainable, carried out by our own team. We aim for energy label A or B, which increases the lettability and value of the property.
Reserves
A buffer for unforeseen costs or unexpected developments during the term of the fund. This is how we support the continuity of the fund and the payment of your return.
Who owns the property?
Each fund is housed in a separate private limited company within Zeker Wonen Fondsen B.V. (for example Zeker Wonen Fonds III B.V.). This B.V. is responsible for the tenancy agreements, day-to-day management and the financing of the property within that fund.
Your investment runs through the fund that owns the property. At the end of the fund term, the property is sold or refinanced. The exact settlement and distribution to bondholders is determined per fund and is fully described in the bond terms and the information memorandum.
The structure at a glance
You as bondholder
Your participation amount through bonds
Zeker Wonen Fonds III B.V.
Separate B.V. per fund: tenancy agreements, management and financing
The property
Separated from the operations of Zeker Wonen Fondsen B.V.
Stichting Obligatiehouders Wonen Fondsen
Independent guardian of the fund structure; depending on the fund, a first-ranking mortgage on the property
Read more about the funds
The structure is clear. Also read how the return is built up, what security lies beneath it and how we select property.
Want to know more? Get the brochure
After your request, we will contact you personally to verify your details and answer your questions. You will then receive the brochure.
Common questions about financing and ownership
Investing raises questions. Naturally, it is your money after all. That is why we have listed the most frequently asked questions, so you know exactly where you stand.
Ask a questionYes, certainly. We value transparency and welcome investors who want to visit a project in person. That way you can see with your own eyes how we work and how your participation amount is invested. Once a property is let, we of course respect the privacy of our tenants.
The property is legally held in a separate company per fund. This means the property portfolio is separated from the operations of Zeker Wonen Fondsen B.V. Depending on the fund, the foundation holds a first-ranking mortgage on the property on behalf of the bondholders, which protects your interests legally. The Stichting Obligatiehouders Wonen Fondsen oversees compliance with this security.
The interests of bondholders are safeguarded by the Stichting Obligatiehouders Wonen Fondsen. This foundation acts as the independent guardian of the fund structure and oversees compliance with the agreed terms. That way there is always an independent party between you and the fund manager.