{"id":7252,"date":"2022-05-31T19:42:35","date_gmt":"2022-05-31T19:42:35","guid":{"rendered":"https:\/\/ifg.local\/articles\/crowdtolive-review-halal-property-purchase-investment-platform\/"},"modified":"2023-09-21T10:06:27","modified_gmt":"2023-09-21T10:06:27","slug":"crowdtolive-review-halal-property-purchase-investment-platform","status":"publish","type":"post","link":"https:\/\/www.islamicfinanceguru.com\/articles\/crowdtolive-review-halal-property-purchase-investment-platform","title":{"rendered":"CrowdToLive Review | Halal Property Purchase & Investment Platform – IslamicFinanceGuru"},"content":{"rendered":"

There are two great ways to invest your money \u2013 in property or though crowdfunding. But only if there was a way to do both? Luckily for you, CrowdToLive<\/a>* has done just that, by combining these and providing investors with a way to diversify their portfolio in bricks and mortar.<\/p>\n

<\/p>\n

CrowdToLive is a low-cost sharia-compliant property crowdfunding platform <\/strong>that connects investors to those wanting to get on the property ladder. If you are looking to get onto the property ladder then check out their offering to you here<\/a>.<\/p>\n

In this article, we\u2019ll discuss:<\/p>\n

    \n
  1. What is crowdfunding<\/li>\n
  2. What is shared ownership<\/li>\n
  3. What is CrowdToLive<\/li>\n
  4. What they offer investors<\/li>\n
  5. CrowdToLive v traditional shared ownership<\/li>\n
  6. CrowdToLive v Buy to Let<\/li>\n
  7. Who runs CrowdToLive<\/li>\n
  8. Pros and Cons<\/li>\n
  9. How to invest<\/li>\n
  10. Is this model sustainable? Final thoughts<\/li>\n<\/ol>\n

    We\u2019re briefly going to go over some basics before we dive into our analysis \u2013 just so we\u2019re all on the same page.<\/p>\n

    1.   What is crowdfunding<\/h1>\n

    Crowdfunding is a public<\/strong> way of raising money<\/strong> from many people<\/strong> for a specific goal<\/strong>. This is mainly done online and especially through crowdfunding websites. Once all the money is pooled together, the capital is used to finance the project or goal.<\/p>\n

    CrowdToLive does exactly this when they are raising funds to purchase a property (more on that later).<\/p>\n

    We have a detailed article on crowdfunding here<\/a>, including a list of platforms on which you can invest.<\/p>\n

    2.   What is shared ownership<\/h1>\n

    Many people can\u2019t afford to buy a home on the open market. It\u2019s an expensive commitment.<\/p>\n

    CrowdToLive is one of the alternative solutions, which uses a shared ownership model when it purchases a property. However, it\u2019s slightly different from the traditional model discussed below \u2013 we\u2019ll explain it in more detail. CrowdToLive purchase the property under the Musharakah structure.<\/p>\n

    A shared ownership scheme means you buy a share of a property and pay rent to an organisation for the remaining share. For\/not-for-profit organisations and the government offer these type of ownership schemes.<\/p>\n

    This is a great option for those on a low income, little capital or no help from The Bank of Mum and Dad.<\/p>\n

    Shared ownership is one of the many alternatives to a mortgage that you can read about here<\/a>. It is also unambiguously and unanimously seen as a halal way to buy a property (and to invest).<\/p>\n

    Now we all understand the basics, let\u2019s dive in.<\/p>\n

    3.   What is CrowdToLive<\/h1>\n

    CrowdToLive is a property crowdfunding platform<\/strong> that connects a Champion<\/strong> (the person that wants to raise equity financing) to a pool of investors<\/strong>, enabling them to join together and purchase a property.<\/p>\n

    You can either chose to be a Champion<\/strong> if you\u2019re seeing to raise finance or be an investor<\/strong> to seek profitable returns.<\/p>\n

    Champions will reach out to CrowdToLive, who will advertise projects to potential investors. Once the investment fulfils its goals, CrowdToLive then provides:<\/p>\n