{"id":20225,"date":"2024-03-18T06:00:00","date_gmt":"2024-03-18T05:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/?page_id=20225"},"modified":"2026-09-28T17:49:56","modified_gmt":"2026-09-28T15:49:56","slug":"fintown-review","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/en\/fintown-review\/","title":{"rendered":"Fintown Review 2026"},"content":{"rendered":"<p><span style=\"font-size: 1.125rem;\"><span class=\"rtp-aktualisiert\">Last Update: 29 September 2026<\/span><\/span><\/p>\r\n<p><span style=\"font-size: 1.125rem;\">\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#f9f9f9;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"padding:16px 20px 20px;\">\n       <div style=\"font-weight:700;font-size:1.1em;margin:0 0 -8px 0;padding:0;line-height:1.4;\">\n          Key Takeaways\n        <\/div>\n        <div style=\"margin-top:2px;\"><\/span><\/p>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Fintown is a Czech P2P platform, operational since February 2023, on which investors can invest in rental properties and development projects from Prague. The return ranges between 8% and 15% depending on the product.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">Behind Fintown stands the Vihorev Group, a company active in the Czech real estate market since 2014. No payment defaults or capital losses for investors have occurred to date.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">The platform is not regulated and offers neither a mortgage nor a classical buyback guarantee. The corporate guarantee provided by the Vihorev Group carries a potential conflict of interest, as the CEO and the guarantor are the same person.<\/span>\n    <\/div>\n    <div style=\"display:flex;gap:10px;align-items:flex-start;margin-bottom:12px;padding-top:0px;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2022<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\">An early exit is only possible against high fees of up to 30% of the invested capital. There is no secondary market. The platform is not yet profitable.<\/span>\n    <\/div><\/div>\n      <\/div>\n    <\/div>\r\n\n    <style>\n      #rtp-bonusbox-6ae5599666487 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae5599666487 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae5599666487 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae5599666487 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae5599666487 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae5599666487{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae5599666487:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae5599666487 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae5599666487 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae5599666487\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Fintown-Logo.png\" alt=\"Fintown\" style=\"--smush-placeholder-width: 551px; --smush-placeholder-aspect-ratio: 551\/150;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:56%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(2.8)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive 2% cashback on their first investment. A minimum of EUR 50 must be invested. The bonus is credited three days after the project has been fully funded.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae5599666487\" href=\"https:\/\/bit.ly\/rethink-p2p-goes-fintown\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<style>\n        .rtp-sitg{display:flex;align-items:center;gap:22px;border-radius:8px;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:18px 22px;margin:1.5rem 0;}\n        .rtp-sitg-body{flex:1;min-width:0;}\n        .rtp-sitg-title{font-weight:700;font-size:1.1em;color:#222;margin-bottom:6px;line-height:1.2;}\n        .rtp-sitg-text{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n        .rtp-sitg-note{font-size:12px;color:#999;margin-top:6px;}\n        .rtp-sitg-btn{background:#262521;color:#fff !important;padding:13px 34px;border-radius:10px;font-size:16px;font-weight:700;text-decoration:none !important;white-space:nowrap;flex-shrink:0;transition:background .2s ease;}\n        .rtp-sitg-btn:hover{background:#14120f !important;color:#fff !important;text-decoration:none !important;}\n        @media(max-width:600px){\n          .rtp-sitg{flex-direction:column;align-items:stretch;gap:14px;}\n          .rtp-sitg-title{text-align:center;}\n          .rtp-sitg-btn{align-self:center;}\n        }\n        <\/style>\n    <div class=\"rtp-sitg\" style=\"background:#f7f7f7;border:1px solid #c8c8c8;\">\n      <div class=\"rtp-sitg-body\">\n        <div class=\"rtp-sitg-title\">Skin in the Game<\/div>\n        <p class=\"rtp-sitg-text\">I was invested in Fintown with my own funds from March 2024 to February 2026. Over this period, I achieved a total return (XIRR) of 10,64%. At the moment, I hold no active investment on the platform. My assessment of this platform is neutral, so I neither recommend nor advise against investing here.<\/p><\/div>\n      <a class=\"rtp-sitg-btn\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\">My Portfolio<\/a>\n    <\/div>\r\n<hr \/>\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rethink-p2p.de\/en\/fintown-review\/#What_is_Fintown\" >What is Fintown?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rethink-p2p.de\/en\/fintown-review\/#Sign_Up_and_Bonus\" >Sign Up and Bonus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rethink-p2p.de\/en\/fintown-review\/#Investing_on_Fintown\" >Investing on Fintown<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rethink-p2p.de\/en\/fintown-review\/#Fintown_Taxes\" >Fintown Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rethink-p2p.de\/en\/fintown-review\/#Fintown_Risks\" >Fintown Risks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rethink-p2p.de\/en\/fintown-review\/#Advantages_and_Disadvantages\" >Advantages and Disadvantages<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rethink-p2p.de\/en\/fintown-review\/#Summary_Fintown_Review\" >Summary Fintown Review<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rethink-p2p.de\/en\/fintown-review\/#FAQ_Fintown_Review\" >FAQ Fintown Review<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Fintown\"><\/span><span style=\"color: #000000;\"><strong>What is <\/strong><\/span><strong>Fintown?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p data-pm-slice=\"1 1 []\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Bonus.jpg\"><img decoding=\"async\" class=\"size-full wp-image-19883 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Bonus.jpg\" alt=\"Fintown-Bonus\" width=\"300\" height=\"169\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><\/a><\/p>\r\n<p>Fintown is a P2P lending platform based in the Czech Republic where investors can invest in rental properties in Prague, while achieving a promoted return of up to 15%.<\/p>\r\n<p>Fintown is backed by the Vihorev Group. This is a property development company from the Czech Republic, which has built up a portfolio of rental apartments in the Czech capital since 2014. The property projects offered on Fintown are both developed and cross-financed by the Vihorev Group (31% skin in the game on average).<\/p>\r\n<p>The founder and driving force behind Vihorev Group is Maxim Vihorev. Originally from Ukraine, the entrepreneur has lived in the Czech Republic for 20+ years and has been active on the Czech real estate market since 2008 &#8211; both in the field of property sales, property management and, since 2014, also on the market for residential construction projects.<\/p>\r\n<p>Fintown&#8217;s mission is to make property investments more accessible, transparent and efficient.<\/p>\r\n<h3 class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Fintown at a Glance<\/strong><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All key facts and figures about Fintown at a glance.<\/p>\r\n<div class=\"su-table su-table-alternate\">\r\n<table>\r\n<tbody>\r\n<tr>\r\n<td><strong>Founded \/ Started:<\/strong><\/td>\r\n<td>Juli 2022 \/ Februar 2023<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Legal Name:<\/strong><\/td>\r\n<td>Fintown s.r.o.\u00a0(<a href=\"https:\/\/apl.czso.cz\/res\/detail?ico=17323657\" target=\"_blank\" rel=\"noopener\"><strong>LINK<\/strong><\/a>)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Headquarter:<\/strong><\/td>\r\n<td>Prague, Czech Republic<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Regulated:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>CEO:<\/strong><\/td>\r\n<td><a href=\"https:\/\/www.linkedin.com\/in\/vihorev\/\" target=\"_blank\" rel=\"noopener\"><strong>Maxim Vihorev<\/strong><\/a> (July 2022)<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Assets Under Management:<\/strong><\/td>\r\n<td>EUR 18.7+ million<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Number of Investors:<\/strong><\/td>\r\n<td>6,000+<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Expected Return:<\/strong><\/td>\r\n<td>11.8%<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Risk Score:<\/strong><\/td>\r\n<td>5.5 \/ 10 (Rank 20 of 31) | <a href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener\"><strong>View Methodology<\/strong><\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Primary Loan Type:<\/strong><\/td>\r\n<td>Real Estate and Property Loans<\/td>\r\n<\/tr>\r\n<tr>\r\n<td><strong>Collateral:<\/strong><\/td>\r\n<td>No<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<h3><span style=\"color: #000000;\">Business Model<\/span><\/h3>\r\n<p data-pm-slice=\"1 1 []\">Fintown is a Czech crowdfunding platform where investors can invest in real estate loans that are issued by the Vihorev Group parent company. Fintown primarily monetizes itself through an interest margin, meaning the difference between the interest rate received by investors and the interest rate paid by the Vihorev Group. According to the 2024 annual report, the net margin most recently stood at 14%.<\/p>\r\n<h3>Ownership<\/h3>\r\n<p>Fintown was founded by the two business partners Maxim Vihorev and Vladislav Siganevic (<a href=\"https:\/\/or.justice.cz\/ias\/ui\/rejstrik-firma.vysledky?subjektId=1164096&amp;typ=PLATNY\" target=\"_blank\" rel=\"noopener\"><strong>extract company register<\/strong><\/a>). The shares of the company are divided as follows:<\/p>\r\n<ul>\r\n<li>65% of the shares belong to Maxim Vihorev via his company &#8220;VIHOREV.INVESTMENTS SE&#8221;<\/li>\r\n<li>35% of the shares belong to Vladislav Siganevic via his company &#8220;Stonehill Capital s.r.o.&#8221;<\/li>\r\n<\/ul>\r\n<p>Since there has been no external financing round yet, Fintown is still owner-managed.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Eigentumer-Wem-gehort-Fintown.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-19939 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Eigentumer-Wem-gehort-Fintown.png\" alt=\"Fintown-Review-Ownership\" width=\"1000\" height=\"310\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Eigentumer-Wem-gehort-Fintown.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Eigentumer-Wem-gehort-Fintown-300x93.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Eigentumer-Wem-gehort-Fintown-768x238.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/310;\" \/><\/a><\/p>\r\n<h3 data-pm-slice=\"1 1 []\">Fintown News<\/h3>\r\n<p>P2P lending is a dynamic asset class where investors should stay continuously informed. You will find the latest news on Fintown on my <strong><a href=\"https:\/\/rethink-p2p.de\/en\/news\/\">P2P lending news<\/a><\/strong> page, where I cover other P2P platforms as well.<\/p>\r\n\r\n<p>Alternatively, you can subscribe to my <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-telegram\">Telegram channel<\/a><\/strong> or <strong><a href=\"https:\/\/bit.ly\/rethinkp2p-en-whatsapp\">WhatsApp group<\/a><\/strong> (both free of charge) to receive real-time updates as soon as new developments emerge.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Sign_Up_and_Bonus\"><\/span>Sign Up and Bonus<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>To invest at Fintown, investors must fulfil two requirements: A minimum age of 18 years and a valid bank account with euro currency. If these requirements are met, registration on the Fintown website can be completed in just a few steps. The following information are required:<\/p>\r\n<ul>\r\n<li>A valid e-mail address<\/li>\r\n<li>Bank account details<\/li>\r\n<li>A valid mobile phone number<\/li>\r\n<\/ul>\r\n<p>Also legal entities can register at Fintown and invest in rental properties.<\/p>\r\n<h3><span style=\"color: revert; font-size: 1.5rem; font-weight: revert; font-family: var(--text-font);\">Fintown Bonus<\/span><\/h3>\r\n\n    <style>\n      #rtp-bonusbox-6ae5599668c04 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae5599668c04 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae5599668c04 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae5599668c04 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae5599668c04 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae5599668c04{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae5599668c04:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae5599668c04 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae5599668c04 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae5599668c04\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Fintown-Logo.png\" alt=\"Fintown\" style=\"--smush-placeholder-width: 551px; --smush-placeholder-aspect-ratio: 551\/150;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:56%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(2.8)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive 2% cashback on their first investment. A minimum of EUR 50 must be invested. The bonus is credited three days after the project has been fully funded.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae5599668c04\" href=\"https:\/\/bit.ly\/rethink-p2p-goes-fintown\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<p>A platform overview with all bonus offers and cashback promotions can be found on the <a href=\"https:\/\/rethink-p2p.de\/en\/bonus\/\" target=\"_blank\" rel=\"noopener\"><strong>bonus page<\/strong><\/a>.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Investing_on_Fintown\"><\/span><span style=\"color: #000000;\"><strong>Investing on Fintown<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In this section of my Fintown review, we will look at the specifics when investing on the platform and what investors need to keep in mind when doing so. Among other things, we will look at the different investment products, the costs involved and the expected returns from investing on Fintown.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Loan Offering<\/strong><\/span><\/h3>\r\n<div class=\"tips-box\">\r\n<p>Fintown offers two different investment products from the real estate sector on its platform:<\/p>\r\n<ul>\r\n<li>Investments in development projects (in the form of a participation)<\/li>\r\n<li>Investments in rental properties (in the form of a mezzanine loan)<\/li>\r\n<\/ul>\r\n<p>Let&#8217;s take a closer look at the characteristics of both investment options.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Kreditangebot.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-19942 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Kreditangebot.png\" alt=\"Fintown-Review-Loan-Offering\" width=\"1000\" height=\"298\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Kreditangebot.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Kreditangebot-300x89.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Kreditangebot-768x229.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/298;\" \/><\/a><\/p>\r\n<h4>Development Projects<\/h4>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">Most investors should already be familiar with development projects from other crowdfunding platforms such as <\/span><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/en\/estateguru-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Estateguru<\/strong><\/a><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> or <\/span><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Crowdpear<\/strong><\/a><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">. Here, the money is usually used to finance apartment complexes, office buildings or to renovate existing properties.<\/span><\/p>\r\n<\/div>\r\n<div class=\"tips-box\">\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Review-Development-Projects.png\"><img decoding=\"async\" class=\"size-full wp-image-20230 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Review-Development-Projects.png\" alt=\"Fintown-Review-Development-Projects\" width=\"500\" height=\"409\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Review-Development-Projects.png 500w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Review-Development-Projects-300x245.png 300w\" data-sizes=\"(max-width: 500px) 100vw, 500px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 500px; --smush-placeholder-aspect-ratio: 500\/409;\" \/><\/a>The majority of development projects are bullet loans with a relatively short term. The capital and interest are repaid at the end of the loan term.<\/p>\r\n<p>It is interesting to note that the development loans on Fintown have a significantly higher interest rate, in some cases up to 15%.<\/p>\r\n<p>The comparatively higher risk premium is due to the fact that the property loans on Fintown are not secured with a first-ranking mortgage, but in the form of a participation. This means that the investor participates in all earnings and losses resulting from the loan agreement between Fintown and the property developer in proportion to the amount of their investment.<\/p>\r\n<p>The development loans can be financed from as little as EUR 1.<\/p>\r\n<h4>Rental Properties<\/h4>\r\n<\/div>\r\n<p>On the other hand, Fintown offers investments in rental properties, where interest is credited monthly. Investments in rental properties can in turn be divided into three categories:<\/p>\r\n<p><strong>Rental:<\/strong> With this product, a minimum term must be met before the capital can be withdrawn (the maximum term can be up to 60 months). The interest is paid out monthly and can either be reinvested or withdrawn.<\/p>\r\n<p><strong>Flexi:<\/strong> As the name suggests, investors have maximum flexibility with the &#8220;Flexi&#8221; product. Investors can withdraw the interest and capital in full after just one month. Alternatively, the investment can also continue to run for up to 60 months. Due to significantly higher liquidity, the Flexi product offers only a maximum interest rate of 8%.<\/p>\r\n<p><strong>Early Rental:<\/strong> Here, investors initially invest in a development loan for a few months, which is then converted into a rental unit with monthly interest payments. This allows investors to secure a future rental yield with monthly interest payments. The minimum term can be between 9 and 36 months.<\/p>\r\n<p>Important to note: The rental property is not financed in form of a participation (see Development Projects), but in the form of a mezzanine loan (unsecured form of subordinated debt). To ensure that P2P platform and investors are in the same boat, Fintown always retains at least 20% of the equity in the rental property.<\/p>\r\n<p><strong style=\"color: #000000; font-size: 1.5rem; font-family: var(--text-font);\">Costs and Fees<\/strong><\/p>\r\n<p>Investors can register on Fintown free of charge. There are also no costs or hidden fees for investing on the P2P platform. The same applies to deposits and withdrawals on Fintown.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Kosten-und-Gebuhren.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-19961 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Kosten-und-Gebuhren.png\" alt=\"Fintown-Review-Cost-Fees\" width=\"1000\" height=\"190\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Kosten-und-Gebuhren.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Kosten-und-Gebuhren-300x57.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Kosten-und-Gebuhren-768x146.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/190;\" \/><\/a><\/p>\r\n<p>The only costs Fintown investors may incur are if they wish to withdraw their money before the end of the minimum term. The exit fee charged depends on the length of the remaining term.<\/p>\r\n<ul>\r\n<li>Withdrawal within 1-12 months: 30 % of the capital<\/li>\r\n<li>Withdrawal within 13-24 months: 20 % of the capital<\/li>\r\n<li>Withdrawal within 25-36 months: 10 % of the capital<\/li>\r\n<\/ul>\r\n<p>To apply for an &#8220;<a href=\"https:\/\/www.fintown.eu\/de\/blog\/erkundung-des-fruhen-ausstiegs-der-fintown-plattform-aus-der-investition\" target=\"_blank\" rel=\"noopener\"><strong>Early Exit<\/strong><\/a>&#8221; before the end of the loan term, investors must send an e-mail to the Fintown information address.<\/p>\r\n<h3><span style=\"color: #000000;\"><strong>Expected Returns<\/strong><\/span><\/h3>\r\n<p data-pm-slice=\"1 1 []\">What returns can investors achieve on Fintown? The answer depends on several factors.<\/p>\r\n<p data-pm-slice=\"1 1 []\"><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Rendite-P2P-Kredite.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-19954 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Rendite-P2P-Kredite.png\" alt=\"Fintown-Review-Expected-Return\" width=\"1000\" height=\"240\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Rendite-P2P-Kredite.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Rendite-P2P-Kredite-300x72.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Rendite-P2P-Kredite-768x184.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/240;\" \/><\/a><\/p>\r\n<p>The interest rate for development loans is generally between 14% and 15%, while the interest rate for rental properties is between 8% and 12%. Depending on the total amount invested, there may be an additional bonus.<\/p>\r\n<ul>\r\n<li>Total amount invested between EUR 10,000 and EUR 29,999: 0.5% bonus<\/li>\r\n<li>Total amount invested bigger than EUR 30,000: 1% bonus<\/li>\r\n<\/ul>\r\n<p><strong>Important:<\/strong> The &#8220;VIP bonus&#8221; can only be reinvested or withdrawn after a holding period of 12 months.<\/p>\r\n<p>So far there have been no delays or defaults on Fintown, which is why the advertised return appears to be achievable. Taking into account possible loan defaults, the expected return may be somewhat lower in the future.<\/p>\r\n<h3><span id=\"Gibt_es_eine_VIANIVEST_Rueckkaufgarantie\" style=\"color: #000000;\"><strong>Buyback Guarantee<\/strong><\/span><\/h3>\r\n<p>There is no traditional security for the two investment products offered on Fintown. Neither in the form of a traditional mortgage nor via the buyback guarantee often used for consumer loans.<\/p>\r\n<p>Instead, the Vihorev Group offers a notarised corporate guarantee to secure the investments in the event of default. The conditions of the corporate guarantee can be found in the <a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Corporate-Guarantee-Vihorev-Investments.pdf\" target=\"_blank\" rel=\"noopener\"><strong>guarantee declaration<\/strong><\/a>.<\/p>\r\n<p>As Maxim Vihorev is the ultimate beneficial owner of both the P2P platform (Fintown) and the guarantor (Vihorev), the exercise of legal steps can be questioned (conflict of interest).<\/p>\r\n<h3><strong>Auto Invest<\/strong><\/h3>\r\n<p data-pm-slice=\"1 1 []\">At the time of this Fintown review, there has been no Auto Invest on the P2P platform. The loans must therefore be selected manually by the investors.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Fintown_Taxes\"><\/span><strong>Fintown Taxes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Generally, interest income generated by loan financing is considered investment income and must thus be reported as such on the tax declaration. Unlike other platforms, Fintown does not withhold any taxes at the moment.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Steuern-Steuerbescheinigung.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-19951 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Steuern-Steuerbescheinigung.png\" alt=\"Fintown-Taxes\" width=\"1000\" height=\"187\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Steuern-Steuerbescheinigung.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Steuern-Steuerbescheinigung-300x56.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Steuern-Steuerbescheinigung-768x144.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/187;\" \/><\/a><\/p>\r\n<p>Fintown does currently not issue any tax certificate. Instead, investors must obtain a statement of income from their own account.<\/p>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Fintown_Risks\"><\/span><strong>Fintown Risks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>Investors should look carefully at the potential risk factors when evaluating a P2P platform. What is it that investors need to be aware of when it comes to Fintown? Where are the underlying risks and how are they assessed?<\/p>\r\n<h3>Platform Risk<\/h3>\r\n<p>The Fintown platform, operated by the Czech company &#8220;Fintown s.r.o.&#8221;, launched its operations in February 2023. In its home market, the platform is not subject to any supervision or oversight by a financial authority. There is neither an investor compensation scheme nor any regulatory requirement for compliance or transparency standards.<\/p>\r\n<p>As a relatively young and not yet profitable platform, trust in the shareholders is a key risk factor. Behind Fintown stands the Vihorev Group, which has been active in the Czech real estate market since 2014. To date, no payment defaults or capital losses for investors have occurred.<\/p>\r\n<div class=\"ss-box\">\n  <div class=\"ss-head\">\n    <div class=\"ss-head-left\">\n      <div class=\"ss-title\">Safety Score<\/div>\n      <div class=\"ss-rank\">Rank 19 of 31<\/div>\n    <\/div>\n    <div class=\"ss-head-right\">\n      <span class=\"ss-score\" style=\"color:#EF9F27\">5.5<\/span>\n      <span class=\"ss-of10\">\/ 10<\/span>\n      <span class=\"ss-pill ss-pill--mid\">Medium Risk<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"ss-cats\">\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Regulation and Licensing<\/span>\n      <div class=\"ss-cat-bar\"><\/div>\n      <span class=\"ss-cat-pts\">0 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Financial Stability<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--r\" style=\"width:15%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">3 \/ 20<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Transparency and Disclosure<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">15 \/ 15<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Loan Portfolio and Investor Losses<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--g\" style=\"width:100%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">25 \/ 25<\/span>\n    <\/div>\n    <div class=\"ss-cat\">\n      <span class=\"ss-cat-name\">Track Record and Crisis Behaviour<\/span>\n      <div class=\"ss-cat-bar\"><div class=\"ss-bar--y\" style=\"width:48%\"><\/div><\/div>\n      <span class=\"ss-cat-pts\">12 \/ 25<\/span>\n    <\/div>\n  <\/div>\n  <details class=\"ss-rf\">\n    <summary class=\"ss-rf-toggle\">\n      <span class=\"ss-rf-toggle-label\">Red Flags <span class=\"ss-rf-badge ss-rf-badge--ok\">0<\/span><\/span>\n      <span class=\"ss-rf-chevron\"><\/span>\n    <\/summary>\n    <div class=\"ss-rf-body\">\n      <p class=\"ss-rf-none\">No Red Flags present.<\/p>\n    <\/div>\n  <\/details>\n  <div class=\"ss-note\">\n    The Safety Score assesses platform risk only. Lender risks and country-specific risks are not covered and must be evaluated separately.  <\/div>\n  <div class=\"ss-foot\">\n    <a class=\"ss-link\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-risk\/\" target=\"_blank\" rel=\"noopener noreferrer\">View full methodology &rarr;<\/a>\n  <\/div>\n<\/div>\n\r\n<h4>Segregation of Funds and Deposit Protection<\/h4>\r\n<p>Uninvested investor funds at Fintown are held in a dedicated bank account with \u010cesk\u00e1 spo\u0159itelna, the largest bank in the Czech Republic and a member of the Erste Group. Funds are therefore kept separate from the platform&#8217;s own operating funds. Unlike platforms using an external payment provider, individual IBAN accounts for investors are not provided.<\/p>\r\n<p>Unlike traditional bank deposits, there is no entitlement to compensation through a deposit guarantee scheme. Investors should therefore be aware that invested capital is subject to a real risk of loss, that returns are not guaranteed and that it may not be possible to recover the full amount invested.<\/p>\r\n<h3><strong>Financial Stability<\/strong><\/h3>\r\n<p>The financial stability of a P2P platform is a key risk factor. Is Fintown able to operate profitably? And how well is the company positioned financially?<\/p>\r\n\t<div class=\"rtp-quellenbox\">\n\t\t<div class=\"rtp-grid\">\n\n\t\t\t\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-blue\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 17V3\"\/><path d=\"m6 11 6 6 6-6\"\/><path d=\"M19 21H5\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Annual Report<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">\n\t\t\t\t\t\t<a class=\"rtp-link\" href=\"https:\/\/s3.eu-central-1.amazonaws.com\/fintown.eu\/reports-investors\/annual-reports\/fintown-annual-report-2024.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tFintown s. r. o. \u2013 Annual Report 2024\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Auditor: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No external audit firm engaged.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"rtp-vdivider\"><\/div>\n\n\t\t\t<div class=\"rtp-col\">\n\t\t\t\t<div class=\"rtp-icon rtp-red\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><path d=\"m15 9-6 6\"\/><path d=\"m9 9 6 6\"\/><\/svg><\/div>\n\t\t\t\t<div class=\"rtp-content\">\n\t\t\t\t\t<p class=\"rtp-label\">Standard: Not Available<\/p>\n\t\t\t\t\t<p class=\"rtp-desc\">No audited financial statement available.<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<style>\n\t.rtp-quellenbox {\n\t\tbackground: #F8F8F6;\n\t\tborder: 1px solid #e5e5e5;\n\t\tborder-radius: 12px;\n\t\tpadding: 20px 24px;\n\t\twidth: 100%;\n\t\tbox-sizing: border-box;\n\t\tfont-family: -apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, sans-serif;\n\t\tmargin: 1.5rem 0;\n\t\tbox-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);\n\t}\n\t.rtp-grid {\n\t\tdisplay: flex;\n\t\talign-items: stretch;\n\t}\n\t.rtp-col {\n\t\tdisplay: flex;\n\t\talign-items: flex-start;\n\t\tgap: 12px;\n\t\tflex: 1;\n\t\tpadding: 0 20px;\n\t}\n\t.rtp-col .rtp-content {\n\t\tpadding-top: 0;\n\t\tmargin-top: 0;\n\t}\n\t.rtp-col .rtp-content p:first-child,\n\t.rtp-col .rtp-content a:first-child {\n\t\tmargin-top: 0;\n\t\tpadding-top: 0;\n\t}\n\t.rtp-col:first-child { padding-left: 0; }\n\t.rtp-col:last-child  { padding-right: 0; }\n\t.rtp-vdivider {\n\t\twidth: 1px;\n\t\tbackground: #e5e5e5;\n\t\tflex-shrink: 0;\n\t}\n\t.rtp-icon {\n\t\twidth: 36px;\n\t\theight: 36px;\n\t\tborder-radius: 8px;\n\t\tdisplay: flex;\n\t\talign-items: center;\n\t\tjustify-content: center;\n\t\tflex-shrink: 0;\n\t\talign-self: flex-start;\n\t}\n\t.rtp-blue   { background: #E6F1FB; color: #185FA5; }\n\t.rtp-green  { background: #C0DD97; color: #27500A; }\n\t.rtp-yellow { background: #FAEEDA; color: #854F0B; }\n\t.rtp-red    { background: #FCEBEB; color: #A32D2D; }\n\t.rtp-gray   { background: #F1EFE8; color: #5F5E5A; }\n\t.rtp-quellenbox .rtp-label {\n\t\tfont-size: 13px;\n\t\tfont-weight: 600;\n\t\tcolor: #111111;\n\t\tmargin: 0 0 3px 0 !important;\n\t\tpadding: 0 !important;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-desc {\n\t\tfont-size: 12px;\n\t\tcolor: #666666;\n\t\tmargin: 0;\n\t\tline-height: 1.4;\n\t\tmargin-top: 3px;\n\t}\n\t.rtp-quellenbox .rtp-link {\n\t\tfont-size: 12px;\n\t\tfont-weight: 500;\n\t\tcolor: #185FA5;\n\t\ttext-decoration: none;\n\t\tdisplay: inline-block;\n\t\tline-height: 1.4;\n\t}\n\t.rtp-quellenbox .rtp-link:hover { text-decoration: underline; }\n\n\t\/* Mobile: untereinander *\/\n\t@media (max-width: 640px) {\n\t\t.rtp-grid        { flex-direction: column; gap: 12px; }\n\t\t.rtp-col         { padding: 0; }\n\t\t.rtp-vdivider    { width: 100%; height: 1px; }\n\t}\n\t<\/style>\n\t\r\n<p data-pm-slice=\"1 1 []\">Equity stood at negative EUR 290,000 at the end of 2024, primarily due to growth-related expenses and a one-off annual loss. The P2P platform is currently not yet profitable.<\/p>\r\n<hr \/>\r\n<h3>Risk Management<\/h3>\r\n<p>Fintown did not provide any detailed information about the due diligence process of new real-estate projects.<\/p>\r\n<p><a href=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Risiko-Management.png\"><img decoding=\"async\" class=\"alignnone size-full wp-image-19964 lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Risiko-Management.png\" alt=\"Fintown-Review-Risks\" width=\"1000\" height=\"192\" data-srcset=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Risiko-Management.png 1000w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Risiko-Management-300x58.png 300w, https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Erfahrungen-Risiko-Management-768x147.png 768w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/192;\" \/><\/a><\/p>\r\n<p>In terms of risk minimisation for investors, Fintown offers three layers of security:<\/p>\r\n<ul>\r\n<li><strong>Conception Serviced Apartments:<\/strong> With loans on Fintown, investors invest in existing and rented residential units. The income generated is intended to cover all operating costs, bank loans and interest paid to Fintown investors.<\/li>\r\n<li><strong>Skin in the Game:<\/strong> The borrower (Vihorev Investments SE) participates in the property loans with at least 20% equity.<\/li>\r\n<li><strong>Corporate Guarantee:<\/strong> There is a guarantee from the borrower&#8217;s parent company that covers the obligations to the investors (see Buyback Guarantee).<\/li>\r\n<\/ul>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Advantages_and_Disadvantages\"><\/span>Advantages and Disadvantages<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>In this section, I have listed the most important advantages and disadvantages of Fintown.<\/p>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#0aad27;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Advantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Track Record:<\/strong> Operational since 2023<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Portfolio Quality:<\/strong> Sustainably low default rate (&lt; 5%)<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Losses:<\/strong> No capital losses for investors on the platform to date<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Liquidity:<\/strong> Option to invest in short-term real estate assets<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u2705<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Costs:<\/strong> No fees or costs for investors<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n\n    <div style=\"border:1px solid #c8c8c8;border-radius:8px;overflow:hidden;margin:1.5rem 0;background:#ffffff;box-shadow:0 2px 8px rgba(0,0,0,0.10);\">\n      <div style=\"background:#f7f7f7;padding:14px 20px;border-bottom:1px solid #e0e0e0;\">\n        <div style=\"display:flex;align-items:center;gap:10px;\">\n          <div style=\"width:4px;height:20px;background:#cc3300;border-radius:2px;flex-shrink:0;\"><\/div>\n          <span style=\"font-weight:700;\">Disadvantages<\/span>\n        <\/div>\n      <\/div>\n      <div style=\"padding:12px 20px 16px;\">\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:none;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Regulation:<\/strong> No investment license or control by a financial supervisory authority<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Transparency:<\/strong> No or only unaudited financial reports available<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Auto Invest:<\/strong> No option to invest money automatically<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Profitability:<\/strong> Platform is currently not operating on a profitable level<\/span>\n    <\/div>\r\n\n    <div style=\"display:flex;gap:10px;align-items:flex-start;padding:8px 0;border-top:1px solid #f0f0f0;\">\n      <span style=\"flex-shrink:0;line-height:1.6;\">\u26a0\ufe0f<\/span>\n      <span style=\"display:block;margin:0;line-height:1.6;\"><strong>Conflicts of Interest:<\/strong> Shareholder overlaps between platform and lenders<\/span>\n    <\/div>\r\n<\/div>\n    <\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"Summary_Fintown_Review\"><\/span><strong>Summary Fintown Review<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n<p>What is the preliminary conclusion of my Fintown review?<\/p>\r\n<p>Fintown is an exciting P2P lending platform from the Czech Republic where investors can diversify their portfolio with rental properties. Especially for cash flow and income-orientated investors who prefer stable and regular payouts, Fintown could be a good fit with appealing conditions.<\/p>\r\n<p>On a positive note, the Vihorev Group has a good track record in the Czech Republic and there have been no delays or defaults on the platform to date.<\/p>\r\n<p>At the same time, further growth of the young platform should be monitored closely. Although the project details are very transparent and detailed, public statistics on the managed investment portfolio and customer assets would be desirable.<\/p>\r\n<p>If growth continues at this pace, it seems likely that both the interest rate level will decrease in the future and that external third-party providers may also appear as borrowers. Considering these circumstances, the risk-reward profile would have to be reassessed.<\/p>\r\n<p>Because Fintown offers an attractive overall package in the current market environment, I have been invested with a smaller amount since March 2024.<\/p>\r\n\n    <style>\n      #rtp-bonusbox-6ae5599669035 .rtp-bonus-row{display:flex;gap:24px;align-items:flex-start;flex-wrap:wrap;}\n      #rtp-bonusbox-6ae5599669035 .rtp-bonus-left{align-self:center;}\n      #rtp-bonusbox-6ae5599669035 .rtp-bonus-mid{flex:1;min-width:220px;}\n      #rtp-bonusbox-6ae5599669035 .rtp-bonus-mid p{margin:0;font-size:14px;line-height:1.5;color:#555555;}\n      #rtp-bonusbox-6ae5599669035 .rtp-bonus-cta{flex-shrink:0;align-self:center;}\n      #rtp-bonus-btn-6ae5599669035{transition:background 0.2s ease;}\n      #rtp-bonus-btn-6ae5599669035:hover{background:#088a1f !important;}\n      @media (max-width:600px){\n        #rtp-bonusbox-6ae5599669035 .rtp-bonus-row{flex-direction:column;text-align:center;align-items:center;}\n        #rtp-bonusbox-6ae5599669035 .rtp-bonus-left{width:100% !important;}\n      }\n    <\/style>\n    <div id=\"rtp-bonusbox-6ae5599669035\" style=\"border:1.5px solid #0aad27;border-radius:10px;background:#f3fbf5;box-shadow:0 2px 8px rgba(0,0,0,0.06);margin:1.5rem 0;padding:18px 22px;\">\n      <div class=\"rtp-bonus-row\"><div class=\"rtp-bonus-left\" style=\"flex-shrink:0;width:180px;text-align:center;\"><img decoding=\"async\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Fintown-Logo.png\" alt=\"Fintown\" style=\"--smush-placeholder-width: 551px; --smush-placeholder-aspect-ratio: 551\/150;max-width:160px;max-height:60px;height:auto;width:auto;display:inline-block;vertical-align:top;\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" \/>\n        <div style=\"margin-top:6px;display:flex;align-items:center;justify-content:center;gap:8px;\">\n          <span style=\"position:relative;display:inline-block;font-size:24px;line-height:1;letter-spacing:2px;\">\n            <span style=\"color:#d6d6d6;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n            <span style=\"position:absolute;left:0;top:0;overflow:hidden;white-space:nowrap;width:56%;color:#f5a623;\">&#9733;&#9733;&#9733;&#9733;&#9733;<\/span>\n          <\/span>\n          <span style=\"font-weight:700;color:#1a1a1a;font-size:16px;\">(2.8)<\/span>\n        <\/div><\/div><div class=\"rtp-bonus-mid\">\n          <div style=\"font-weight:700;font-size:1.1em;line-height:1.2;margin-bottom:6px;\">New Investor Bonus<\/div>\n          <p>New investors receive 2% cashback on their first investment. A minimum of EUR 50 must be invested. The bonus is credited three days after the project has been fully funded.<\/p>\n        <\/div>\n        <div class=\"rtp-bonus-cta\">\n          <a id=\"rtp-bonus-btn-6ae5599669035\" href=\"https:\/\/bit.ly\/rethink-p2p-goes-fintown\" target=\"_blank\" rel=\"nofollow sponsored noopener\" style=\"display:inline-flex;align-items:center;gap:8px;background:#0aad27;color:#ffffff;padding:12px 22px;border-radius:8px;font-weight:700;font-size:1em;font-family:inherit;text-decoration:none;white-space:nowrap;\">Invest Now<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\r\n<hr \/>\r\n<h3><span style=\"color: #000000;\"><strong>Fintown Alternatives<\/strong><\/span><\/h3>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Already invested in Fintown? Or looking for similar platforms? Here are three Fintown alternatives from the P2P market.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Crowdpear:<\/strong> A regulated crowdfunding marketplace based in Lithuania. Focus on mortgage-secured real estate loans from the Baltic region. Compared to Fintown, Crowdpear offers a classical first-ranking mortgage as collateral, providing investors with a notably stronger layer of security. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/crowdpear-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Crowdpear review<\/strong><\/a>.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>InRento:<\/strong> A regulated crowdfunding marketplace from Lithuania that is specialised in rental properties. Similar to Fintown, InRento targets investors that are looking to diversify their portfolio with real estate-backed loans, with the added benefit of regular monthly interest payments. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/inrento-review\/\" target=\"_blank\" rel=\"noopener\"><strong>InRento review<\/strong><\/a>.\u00a0<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Profitus:<\/strong> A regulated P2P marketplace based in Lithuania. Focus on mortgage-secured business loans. Compared to Fintown, Profitus holds an ECSP licence and has maintained a notably strong loan portfolio performance with no capital losses for investors to date. More information in my <a href=\"https:\/\/rethink-p2p.de\/en\/profitus-review\/\" target=\"_blank\" rel=\"noopener\"><strong>Profitus review<\/strong><\/a>.<\/p>\r\n<p><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\">You can find other Fintown alternatives on the <\/span><a style=\"font-size: inherit; font-family: var(--text-font);\" href=\"https:\/\/rethink-p2p.de\/en\/p2p-platform-comparison\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>P2P Platform Comparison<\/strong><\/a><span style=\"font-size: inherit; color: var(--text-color); font-family: var(--text-font);\"> page.<\/span><\/p>\r\n<hr \/>\r\n<div class=\"su-tabs su-tabs-style-default su-tabs-mobile-stack\" data-active=\"1\" data-scroll-offset=\"0\" data-anchor-in-url=\"no\"><div class=\"su-tabs-nav\"><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Affiliate Links \/ Conflict of Interest<\/strong><\/span><span class=\"\" data-url=\"\" data-target=\"blank\" tabindex=\"0\" role=\"button\"><strong>Disclaimer<\/strong><\/span><\/div><div class=\"su-tabs-panes\"><div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Affiliate Links \/ Conflict of Interest&lt;\/strong&gt;\">This article contains affiliate links. If you register and\/or invest through one of these links, the operator receives a commission. The compensation has no influence on the opinion or the evaluation of the platform. Potential conflicts of interest can be looked up on the \u201c<a href=\"https:\/\/rethink-p2p.de\/en\/p2p-portfolio\/\" target=\"_blank\" rel=\"noopener\"><strong>P2P Portfolio<\/strong><\/a>\u201d page.<\/div>\n<div class=\"su-tabs-pane su-u-clearfix su-u-trim\" data-title=\"&lt;strong&gt;Disclaimer&lt;\/strong&gt;\">Investments in P2P loans involve risks and may result in the complete loss of the invested capital. Past performance is not a reliable indicator of future developments. The following content is provided for informational purposes only and does not constitute investment advice. Despite careful research, no guarantee is given for the accuracy, completeness, or timeliness of the information provided. No liability is accepted for any financial losses or investment decisions made based on the information presented here. For more details, see the full <a href=\"https:\/\/rethink-p2p.de\/en\/disclaimer\/\" target=\"_blank\" rel=\"noopener\"><strong>disclaimer<\/strong><\/a>.<\/div><\/div><\/div>\r\n<hr \/>\r\n<h2><span class=\"ez-toc-section\" id=\"FAQ_Fintown_Review\"><\/span>FAQ Fintown Review<span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1710946391438\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What is Fintown?<\/strong>\r\n<p class=\"schema-faq-answer\">Fintown is a P2P platform based in the Czech Republic, operational since February 2023, where investors can invest in rental properties from Prague and development projects. Returns range between 8% and 15% depending on the product. The platform is not regulated.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1710946424755\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 What returns can I expect from Fintown?<\/strong>\r\n<p class=\"schema-faq-answer\">Development loans offer 14% to 15%, while rental properties yield between 8% and 12%. An additional bonus of up to 1% is available for total investments above \u20ac10,000. My personal total return over almost two years until my investment exit stood at 10.64%.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1710946530508\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 How are investments secured on Fintown?<\/strong>\r\n<p class=\"schema-faq-answer\">There is neither a mortgage nor a classic buyback guarantee. Instead, the Vihorev Group provides a corporate guarantee. Since CEO Maxim Vihorev is simultaneously the owner of both the platform and the guaranteeing group, there is a potential conflict of interest when it comes to enforcing legal claims.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1710946571276\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\"><strong>\u2705 How liquid are investments on Fintown?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">This depends on the chosen product. Flexi allows withdrawal after just one month, while Rental ties up capital until the minimum term is reached. Early exit is only possible at high fees of 10% to 30% of capital. There is no secondary market.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1775123997159\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 Is there a bonus for signing up with Fintown?<\/strong>\r\n<p class=\"schema-faq-answer\">Yes. New investors registering via my partner link receive 2% cashback on their first investment. The cashback is paid out 3 days after successful financing.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":36684,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"template-centered.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-20225","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fintown Review 2026: 12% Return with Rental Properties!<\/title>\n<meta name=\"description\" content=\"Fintown Review 2026: 12% Return From Rental Properties! Detailed Analysis \u2795 Cashback Bonus for New Investors!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rethink-p2p.de\/en\/fintown-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintown Review 2026: 12% Return with Rental Properties!\" \/>\n<meta property=\"og:description\" content=\"Fintown Review 2026: 12% Return From Rental Properties! Detailed Analysis \u2795 Cashback Bonus for New Investors!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rethink-p2p.de\/en\/fintown-review\/\" \/>\n<meta property=\"og:site_name\" content=\"re:think P2P\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/fb.me\/rethinkp2p\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-28T15:49:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/07\/Fintown-Review-P2P-Lending-2026-.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"15 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/fintown-review\\\/\",\"url\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/fintown-review\\\/\",\"name\":\"Fintown Review 2026: 12% Return with Rental Properties!\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/fintown-review\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/rethink-p2p.de\\\/en\\\/fintown-review\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/rethink-p2p.de\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/Fintown-Review-P2P-Lending-2026-.jpg\",\"datePublished\":\"2024-03-18T05:00:00+00:00\",\"dateModified\":\"2026-09-28T15:49:56+00:00\",\"description\":\"Fintown Review 2026: 12% Return From Rental Properties! 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