Individual portfolio

Basic Product Parameters:

• Real investment with an individual annual return and continuous pay out
• The minimum investment amount is CZK 2,500,000
• The duration of the investment is 12 to 60 months
• The client is the owner of the land for the entire duration of the investment
• The administrative fee is 7.5% of the value of the investment
• Combination of individual return with a guaranteed minimal annual return of 17%
• Additional individual remuneration to APF when reaching an annual return higher than 17%
• The guaranteed return is agreed on the basis of a concluded preliminary contract of sale (PCoS)
• Payment of the guaranteed returns is governed by the preliminary contract of sale and is stipulated as follows:
  • in the case of a duration of investment of 12 months, payment on the date of the settlement of the sale price of the land
  • in the case of duration of investment of 24 or more months, payment of the return of 17% of the total sale value of the land each 12 months from the date of acquiring the land (entry in the Real Estate Cadastre)
  • last payment on the date of settlement of sale price (sale price without paid returns)
  • individually following agreement with the client
• Diversification of the land portfolio according to the strategy chosen by the client
• These conditions are valid from 1.12.2022 for new clients of Agrární půdní fond s.r.o.

The implementation of the transaction is governed by the relevant product’s valid General Terms and Conditions of Agrární půdní fond s.r.o.

Purchase of investment land with gradual repayment of the purchase price

• Purchase of investment land with gradual repayment of the purchase price
• The minimum purchase price of the land is CZK 200,000
• The selection of the investment land is carried out by APF from the assets of the APF Group
• The maximum repayment period is 60 months
• Minimum required first instalment of 20% of the purchase price of the land, of which 10% is APF’s contractual fee
• Equal monthly or quarterly instalments with the possibility of an extraordinary top-up of the purchase price
• Upon payment of the purchase price, the purchase contract is concluded and the land is transferred to the client’s ownership
• The client is entitled to withdraw from the intention to conclude a purchase contract and thus take possession of the land after payment of the purchase price. In this case, APF will pay the full purchase price back to the client (not the contractual fee). The return of the paid purchase price is conditional upon the client’s full repayment of the purchase price including the contractual fee.
• In the event of a breach of the repayment schedule by the client, 50% of the advance payments paid will be forfeited as a contractual penalty. APF is no longer entitled to compensation in this case.
• APF is entitled to unilaterally terminate the contractual relationship in the event of non-payment of two consecutive monthly instalments by the client.
• After the transfer of ownership of the land in favour of the client, the client may choose to transfer the land to IZP, DIZP or IP products according to the amount of the purchase price of the land. The terms and conditions of each product are governed by APF’s General Terms and Conditions in force at the time of transferring the land to the relevant product.
• APF is entitled to manage, negotiate leases or mortgage the relevant land in favour of third parties until the purchase price is concluded. Prior to the transfer of title, APF undertakes to ensure that the lien on the relevant land is extinguished.
• APF is not entitled to sell the land in question to a third party during the term of the contract. In the event of non-compliance with this condition, APF is obliged to return the purchase price paid to the client in full, including the contractual fee.
• The contractual relationship will be settled by a separate agreement on a future purchase contract concluded between APF and the client.