Investing in property with Niriam is quite simple, however there are few steps that occur in order for you to have a piece of the pie! - Register - Choose a property - Invest the desired amount and watch it grow over time.

Once the process is complete, investors will begin to receive their rental payments. The tentative dates for all steps in the process are provided in each listing.

All properties on Niriam go through a careful vetting and selection process to ensure the highest potential for returns, both from rental income and property value growth. With more than 25 years of combined experience in real estate and finance, our team has built a strong network of investors, banks, brokers, developers, and asset managers. This gives us access to exclusive investment opportunities, which we analyze and select for their potential. In addition, we rely on trusted third-party data providers to keep our research and analytical tools accurate, reliable, and aligned with current market conditions.

Once the property is fully funded, title deeds and share certificates proving your ownership will be provided within a few weeks. The notarial deed will be issued by the authorized government agency and will show LTD as the owner. The share certificate will be issued by Niriam and will certify your ownership in LTD. You will receive a notification once the documents have been provided.

If the property reaches more than 80% funding, we may request the seller to extend the fundraising period by up to two weeks in order to attract additional investments. This is entirely subject to the seller’s approval. If this does not happen and the funds remain insufficient, the investments in that property will be canceled and the amounts will be returned to your Niriam wallet. You can then choose either to withdraw the money to your primary registered bank account or reinvest it into another property on Niriam.

Fractional ownership lowers the entry barrier and makes real estate accessible to a much broader pool of investors, increasing demand and capital inflows. It enables straightforward diversification—investors can allocate capital across different markets and property types instead of concentrating it in a single asset. Digital platforms and the ability to trade on secondary markets (including via tokenization) significantly improve transaction liquidity and transparency. As regulations and technology mature, this model combines greater security, efficiency, and improved market access.

A property is listed on Niriam in order to raise funds for the purchase. It's usually listed for 30 days, however they tend to get fully funded quicker!

What if Niriam doesn't find a tenant? Will there be rental income? Like in the traditional real estate market, income will not accumulate while the apartment is not rented out. However, this situation is unlikely: Niriam picks the most attractive locations with high rent demand. Our certified partners, which are management companies, lease out properties on Booking.com and other platforms. The real estates listed on the Niriam app have a nearly 90% occupancy rate.

Fractional ownership means that ownership of a property is divided into multiple shares, and each investor holds a proportional interest in the asset. Investors receive rights to rental income and participation in capital appreciation in proportion to their share, without bearing full responsibility for property management. It is typically implemented through SPV structures or digital platforms that maintain the ownership register and manage distributions. Maintenance and operational duties are usually delegated to professional property managers.

Once enough funds are raised, the funding is closed and the deal moves to its final stages.

At Niriam, our fee structure is designed to ensure transparency and alignment with your investment goals. Here's a simplified breakdown: Entry and Annual Fees: Acquisition Fee: 2% at the time of investment Annual Administration Fee: 0.5% each year for managing your investment. Compliance Costs: Initial KYC and AML Fee: 0.2% at the time of investment. Annual KYC and AML Fee: 0.2% from the second year onwards. Exit Strategy: Exit Fee: 2% at the time of sale. Performance Fee: 5% only on the appreciation profits, ensuring we are motivated to maximize your returns. Example: If a property is bought for 1M Euro and sold at 1.3M Euro, then the 5% performance fee is only charged on the 300k profit, which in this case would be 15k Euro.

Transaction costs are additional fees that are added to the purchase price of the property in order to complete the legal transfer of the asset from the seller to the buyer. These fees include but are not limited to: DLD Transfer & Registration Fees, Trustee Fees, Brokerage Fees, Property Insurance, Valuation Fee etc... For a detailed list of transaction costs, please refer to our projections for each individual property.

Bali offers one of the world's highest APRs for residential rental properties: up to 25% per year. Forbes has ranked the island as the fourth best place to invest globally. But for what reason? People from all over the world come here to enjoy a unique lifestyle. Excellent infrastructure, surfing spots, cheap food, and warm weather all year round attract over 18 million tourists annually, which is expected to increase to 35 million. Gorgeous landscapes, from seashores to rice fields and mountains, have made Bali the best travelers' choice, according to Tripadvisor. Bali attracts people with money. The island's comfortable infrastructure and international community lure entrepreneurs, investors, and digital nomads ready to pay. Soon, Bali will become even more enticing when it opens Paramount Theme Park, Formula 1 racetrack, and other notable attractions. Due to these reasons, the Bali residential real estate market is growing rapidly, and the trend is expected to continue for at least 10 years. About Dubai, you all know it for its potential for the growth of the price of real estate. Investing in Bulgarian real estate offers a combination of relatively low entry prices, a stable market, tax breaks, and potential value growth.

All investors will receive their title deeds and share certificates within a few weeks of the funding closing as proof of ownership of the property.

Each property owned by Niriam investors is assigned a Property Manager who is licensed by the Real Estate Regulatory Authority (RERA) and approved by Niriam. The LTD signs a Management Agreement with this manager, and if a change occurs, Niriam will inform investors and share details about the new manager. To ensure full transparency, every property on the platform comes with a 3D walkthrough, high-quality photos, and inspection reports. Since most properties are already rented out, arranging physical visits is usually impractical and not feasible, especially given the number of investors per property. For this reason, property viewings cannot be organized.

Niriam controls the platform and manages all investments on behalf of investors until the property is sold and the capital is distributed to investors. The company ensures that all digital and operational processes run smoothly, in full compliance with regulations, while carefully selecting, evaluating, and professionally managing assets. In addition to financial administration, Niriam removes all operational burdens from investors, so they do not have to deal with tenants, leasing, maintenance, or any technical issues.

Household issues occur in any home, from leaky faucets to fridge malfunctioning. During every property sale, Niriam fills up a maintenance reserve fund to fix those problems without extra costs for property owners or tenants. Certified management companies fix all maintenance problems arising in properties. We will open an insurance program for investors to secure properties from potential larger-scale damages. Property owners will be able to insure their real estate if necessary.

We are listing properties in Bali, Dubai, and Bulgaria because the real estate market here is growing due to robust objective factors. The probability of sudden price drops or bubbles is extremely low. However, it is never zero, and we understand that. That's why we enable diversification by listing multiple properties in different jurisdictions. Niriam investors can minimize risk by investing in various properties worldwide.

A Limited Liability Company (LTD) is created in the country in order to incorporate and ensure that all investors in the property are legally registered to the property through their ownership of shares in the LTD. The LTD listed as the owner on the title deed.

It’s important to remember that real estate investing is a long-term journey rather than a quick win. That’s why we strongly recommend holding your shares until the end of the suggested Investment Term, typically 5 years, as this is when investors are most likely to maximize their returns. In addition to scheduled exit windows, you can also exit through a governance vote. If a buyer is found for the property, existing investors will vote on whether to sell. If the majority approves, the property will be sold in full, and you’ll receive your share of the proceeds based on your ownership stake. In short, real estate should always be viewed as a long-term investment, and we encourage investors to approach it with that perspective.