ROILAND is the first investment company in Russia for collective investment in commercial real estate. This is a unique opportunity to comfortably and safely invest any amount of 300,000 rubles or more in carefully selected objects of the best quality.
ROILAND allows you to split the cost of an object between participants, while the size of the investment of each participant depends only on his choice.
On the other hand, ROILAND is not only an investment company, but also a professional team that performs the most difficult and troublesome tasks for you:
Investing in real estate with ROILAND has a number of advantages over other financial instruments: it is much more profitable than bank deposits, the average rate of which is on average 6% per annum, and safer given the current situation in the banking sector. Compared to mutual funds, real estate investment is much more transparent because the investor chooses a specific building and can get full information about it before making a deal. Compared to exchange-traded instruments, investments in real estate are safer and provide a yield of 15-17% per annum, taking into account the growth in the value of the real estate itself. When investing in commercial real estate, the buyer bears less inflationary and devaluation risks (the risk of depreciation of the national currency), as the value of real estate rises with inflation and is revalued in the light of the current economic situation. Investing with ROILAND is a unique chance to protect and preserve the real value of your assets and receive regular income protected from inflation
Income is generated from rental flows and other income from the property
Regular monthly payments are made to investors as early as the next month after the acquisition of the object. At the same time, in the investor's personal account, a schedule for receiving income from objects in the funds is formed
The yield varies depending on the property and the market situation. The projected profitability is indicated in the profile of each object. The yield consists of the monthly rental yield paid at the rate of 9-12% per annum and the growth in the value of the property itself by 5-7% per year, and on average it is 15% - 17% per annum.
Profitability of objects is ensured by careful selection of investment objects
The system of generating income from investments with ROILAND is completely transparent. Investor income tax on redemption of units or receipt of interim investment income is:
For non-residents, the tax rate is determined by the agreement or convention, provided that the non-resident person is a resident of the country with which the agreement or convention for the avoidance of double taxation has been concluded.
Deferred payment of income tax allows you to reinvest the income received from transactions with the fund's property in full for the period until the shareholder receives income (redemption of shares, payment of interim income)
ROILAND не является банком и не оказывает услуг по размещению депозитов или инвестированию в ценные бумаги. Мы не начисляем процентов, мы даем возможность совместно владеть недвижимостью с высоким рейтингом надежности и получать доход от сдачи ее в аренду. ROILAND выплачивает только рентный доход, соответствующий доле инвестора в объекте недвижимости
Комиссия ROILAND за сопровождение сделки составляет 2% от размера инвестиций. Комиссия взимается после покупки объекта недвижимости. Денежные средства идут на оплату услуг ROILAND — подбор, проверку и оценку объекта недвижимости, обеспечение работы интернет — платформы и информационной поддержки пользователей
The monthly fee to ROILAND, the management company and the specialized depository is 12.5% of the net operating income from the property, which is defined as gross rental income minus the operating costs of the property:
Both citizens of the Russian Federation and non-residents can invest with ROILAND. Also, investments can be made by legal entities of any country. Investor taxation depends on residence
The process of buying a property consists of a few simple steps:
Register and fill out the investor's questionnaire on the ROILAND website
Select a property from the catalog, determine the investment amount
Go through verification. The required package of documents (investment agreement, questionnaire, power of attorney of the management company) is generated automatically based on the data provided and becomes available in your personal account on the ROILAND website
Make an appointment at a convenient time for you with your personal investment advisor to sign the contract, or do it yourself, remotely, without visiting the company's office.
Transfer the funds to a special ROILAND current account
As soon as the transaction is closed, you will receive an official notification of the transfer of a share in the selected object
If during the period of formation of the fund, the amount necessary for the acquisition of the object is not collected, the money will be returned to the investors in full.
The management company (MC) creates a Closed-end mutual investment fund (hereinafter referred to as the fund or ZPIF) for the acquisition of a specific real estate object. The form of a closed-end investment fund is the most secure and safe for collective investment The
owner of an object forms a closed-end investment fund with real estate
The management company issues securities (shares) that certify the right to a share in the fund's property (in this case, a specific real estate object and income from it) and transfers 100% of the shares to the seller
Ownership is transferred to the shareholders of ZPIF
ROILAND enters into a sale and purchase agreement for the issued shares with the investor. According to the agreement, the investor transfers funds to a special ROILAND account
ROILAND generates the required amount for a purchase on a special account and buys fund units from the owner of the facility.
Funds received for the purchase of units are transferred to the owner of the facility. According to the sale and purchase agreement, the funds can be used exclusively for the purchase of a specific property you have chosen.
ROILAND transfers these securities to each of the co-investors of the property. From this moment, each investor becomes a co-owner of the fund's property and receives the right to rental income
Кроме формирования ЗПИФ под каждый объект недвижимости, в функции УК входит: получение денежных средств в оплату паев и выдача паев, осуществление выплат инвесторам, осуществление внутреннего контроля деятельности, в том числе разработка правил доверительного управления фондом, совершает операции с активами фонда и иные операции
У инвесторов существует возможность продать свою долю в недвижимости двумя способами:
Каждый объект недвижимости, размещенный на торговой площадке, проходит тщательную проверку при участии юридических, аудиторских и финансовых консультантов
После совершения покупки ROILAND выполняет функцию обслуживания и управления объектами с целью максимизации арендных доходов и оптимизации затрат. При этом инвесторы получают ежемесячный финансовый и операционный отчет. В функцию управления объектами входят:
Not. In case of force majeure or in the event of an object's downtime, payments may be reduced or stopped, but ROILAND guarantees that even this will not entail additional costs for investors. All costs associated with the object during the period of absence of rental flows, the company reimburses from its own funds. The property may require separate investments if the costs are not reimbursed by the insurance company or the tenant. Unit holders bear the same risks as ordinary property owners
The management company of the Fund is obliged to withhold and transfer personal income tax to the budget of the Russian Federation as a tax agent. Withholding is made at a rate of 13% for tax residents and at a rate of 30% for non-tax residents
Despite the fact that an individual is registered as an individual entrepreneur, income from transactions with shares is regulated by separate provisions of the Tax Code, according to which the Fund Management Company will be obliged to withhold personal income tax as a tax agent (13% for tax residents, 30% for tax non-residents), outside depending on the taxation system used by the individual entrepreneur (OSN or STS)
A Russian legal entity applying DOS will be obliged to include the received monthly income in the taxable base and pay income tax on it at the rate of 20%. A Russian legal entity applying the simplified tax system using the 15% method of income reduced by expenses will also be obliged to include the received monthly income in its taxable base. Please note that in accordance with Art. 346.14 Tax Code of organizations that are a party to the trust management agreement cannot apply the simplified tax system using the 6% method of income (otherwise they will be required to switch to the tax system)
From this income, the Fund Management Company is obliged to withhold income tax as a tax agent at a rate of 15% (if there is an agreement on the avoidance of double taxation between the Russian Federation and the jurisdiction in which the foreign company is registered, the tax rate may be reduced)
Upon exiting the project and selling shares, the investor will be obliged to pay personal income tax (for individuals) or income tax (for Russian legal entities) on the positive financial result (profit) received from the sale of shares
Налоговое резидентство физических лиц установлено статьей 207 НК РФ. Согласно ему, физическое лицо признается резидентом РФ при нахождении на территории РФ не менее 183 календарных дней в течение 12 месяцев. Если физическое лицо является налоговым резидентом РФ, то общая ставка НДФЛ для него составляет 13%, когда для нерезидентов общая ставка НДФЛ составляет 30%
Общая система налогообложения (ОСН), предполагает уплату налогоплательщиком НДС, налога на прибыль организаций (для юридических лиц) и НДФЛ (для физических лиц, зарегистрированных в качестве ИП) а также налога на имущество. При выполнении определенных условий, физические лица, зарегистрированные в качестве ИП, и юридические лица могут применять упрощенную систему налогообложения (УСН). При применении УСН налогоплательщики получают освобождение от НДС, налога на прибыль (для юридических лиц), НДФЛ в части предпринимательской деятельности (для ИП), налога на имущество (за исключением налога в отношении имущества, налоговая база по которому определяется как кадастровая стоимость), вместо которых уплачивают единый налог по УСН либо по ставке 6% с доходов, либо по ставке 15% с доходов, уменьшенных на расходы. Обращаем внимание, что ПИФ не имеет право применять УСН
In accordance with Articles 378 and 388 of the Tax Code of the Russian Federation, the property constituting a mutual investment fund is subject to property tax and land tax at the Fund's Management Company. In this case, property tax and land tax are paid at the expense of the mutual investment fund
Flexibility and ease of investment:
High level of investment control:
A secure system has been developed for transactions with investors' funds, which consists of several parts:
Центральный банк Российской Федерации (Банк России) постоянно контролирует работу управляющей компании, специализированного депозитария и регистратора фонда
Имущество фонда учитывается управляющей компанией на отдельном балансе
Специализированный депозитарий не вправе давать управляющей компании свое согласие на совершение сделки и распоряжение имуществом фонда, если при этом будут нарушены нормы законодательства или Правила фонда
Фонд не отвечает своим имуществом по обязательствам и долгам управляющей компании
По долгам пайщиков фонда взыскание обращается на принадлежащие им паи и не распространяется на имущество, принадлежащее фонду
Investors' investments are separated from the obligations of ROILAND and the management company. They are structured into a separate closed-end investment fund. One object - one fund. An independent management company ensures the security of mutual funds and financial transactions. If ROILAND or the management company gets into a difficult financial situation, this will not affect the assets of the fund, management in this case will be transferred to another management company, without financial losses
Investor - a legal entity or individual investing its own, borrowed or otherwise attracted funds in investment objects in order to generate additional income
Investment object - any object of entrepreneurial activity to which investments are directed. In the case of ROILAND, real estate objects placed on the site
The Investment Committee is a collegial body composed of investment professionals that selects objects for investment and approves the investment strategy
Investment risk - the probability of partial or complete loss of invested funds, which can be caused by various reasons, including force majeure
Facility management fee - funds paid to the management company for a set of actions aimed at the effective functioning of the client's investment object
Transaction fee - a one-time payment charged for organizing the structuring process of a property
The operating company of the fund is ROILAND-Invest LLC - a company that manages the lease relations and the operation of the facility in order to make a profit and in the interests of investors
The management company of the facility - ROILAND LLC - a company that manages the lease and operation of the facility in order to generate profit and in the interests of investors
Trust management is a service for managing invested funds based on the rules of a closed-end mutual investment fund and an agreement with a management company, aimed at implementing client instructions related to investing in a specific real estate object
Personal income tax (PIT) is the main type of direct taxes, calculated as a percentage of the total income of individuals minus documented expenses, in accordance with current legislation
Investment memorandum - a document containing structured information to be provided to potential investors
Site Operator Report - a monthly report on costs incurred and operating income received
Fund management company report - quarterly report on the income and value of the fund's assets
Closed-end unit investment fund (ZPIF) is a separate property complex without the formation of a legal entity. The property of the ZPIF belongs to the holders of investment units on the basis of the right of common share ownership. The legal basis for the operation of a closed-end investment fund is a trust management agreement (Fund Rules), in accordance with which the founder of the management transfers the property to the fund, and the management company manages the assets of the closed-end investment fund.
A closed-end rental investment fund is a fund focused on generating income from the rental of real estate. Such a fund, as a rule, does not imply reinvestment, and the income received is paid to shareholders in the form of interim payments
Fund property - the founders of the management can transfer monetary funds, as well as other property, provided for by the investment declaration of the fund and current legislation, to the trust management of the closed-end investment fund.
Trust management rules (PDR) are the main document of the fund, containing the terms of the trust management agreement of the fund; it defines the rights and obligations of the management company and shareholders, the procedure for acquiring and redeeming shares, and the procedure for forming a fund. The rules for trust management of the fund are developed by the management company on the basis of the Model Rules approved by the Government of the Russian Federation
An investment share is a security that certifies the rights of its owner to a share in the property of a constituent closed-end investment fund. Registration of rights to investment shares is carried out by a specialized registrar on personal accounts in the register of investment share holders
Unit value - a value determined by dividing the value of the fund's net assets by the number of investment units placed
The net asset value (NAV) is the difference between the assets and liabilities of a fund. Fund assets are property (securities, deposits, cash, etc.) and accounts receivable, and liabilities are accounts payable and reserves for future expenses and payments
ZPIF management rules - rules governing investment policy, management of funds, rights and obligations of investors and a fund management company
Transit account of ZPIF - an account on which a fund is formed for the purchase of an object
Capitalization of an object is a process that determines the relationship between future income and the current value of an object
Gross rental income - the total annual income of the company, calculated in monetary terms, received as a result of the lease of the property
Operating expenses - the costs associated with the operation of the leased object. The composition of costs is determined individually for each rental object
Net operating income - the difference between the gross income from the property and the gross expenses of the property
Property Funding - The process of raising funds for the acquisition of a property
Due Diligence (DD, Due Diligence, DD, "due diligence") - a comprehensive check of the legality and commercial attractiveness of the planned transaction or investment project
Online platform - a service on the Internet to convey information and certain capabilities to the user
Liquidity - the ability of assets to be quickly sold at a price close to the market
Funding period - the period of time between the beginning and the end of the collection of funds for the acquisition of real estate
Return on investment - the use of funds, in which not only the coverage of costs by income is carried out, but also the receipt of profit
Object value - the most probable price that can be obtained when selling a particular object
Rental income - income from the rental of the property, minus the cost of its maintenance
Commercial real estate - buildings, structures or land plots used for commercial activities with the subsequent extraction of permanent profit or capital gains from rent or resale
ROILAND has been operating since 2007. For sustainable asset growth and meeting the needs of its customers, the company constantly analyzes the market and monitors changes in macro- and microeconomic structures, trends and customer needs. ROILAND predicts, warns and manages possible risks to protect trusted assets.