e‑Finance Bonds
"We don't build castles in the air; we have been building and owning real estate for more than 20 years."
The bonds of the e-Finance Group are investment securities intended for citizens of the Czech Republic, whose base prospectus for the bond program is approved annually by the Czech National Bank.
Retail Bonds
The e-Finance Group is a real estate investment group investing for more than 20 years in properties located in attractive areas of the Czech Republic, such as commercial and administrative buildings, hotels, and residential properties.
The portfolio of completed and leased properties of the e-Finance Group already exceeds the value of CZK 1,98 billion, and the future value of real estate projects currently under preparation and construction exceeds CZK 2,64 billion. Our current investment portfolio of properties owned by e‑Finance can be viewed here.
Why e-Finance?
According to the audited financial statements for the period 2024
for income properties
external sources on the value of the portfolio
on the investment property market
from bonds for the public
After the implementation of planned investments
commercial and residential properties
The e-Finance group is currently issuing the following bond issues for citizens with a guaranteed annual yield:
One-year bonds with a yield of 7%
Investment due on March 1, 2027
- investment from CZK 50,000
- annual interest 7%
- one-year bonds
- bond can be repaid early at the end of the interest period
- bond issuer is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Two-year bonds secured by Račice Castle with yield up to 8 %
Investment due on October 1, 2027
- investment from CZK 50,000
- annual interest 8% for the first yield period (October 1, 2025 to September 30, 2026)
- annual interest 7% for the second yield period (October 1, 2026 to September 30, 2027)
- bonds are secured by Račice Castle properties
- bond can be repaid early at any time
- the issuer of the bond is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Three-year bonds secured by Račice Castle with a high yield of up to 9 %
Investment due on November 1, 2028
- investment from CZK 50,000
- annual interest 9% for the first yield period (October 1, 2025 to October 31, 2026)
- annual interest 8% for the second yield period (November 1, 2026 to October 31, 2027)
- annual interest 7% for the third yield period (November 1, 2027 to October 31, 2028)
- bonds are secured by Račice Castle real estate
- bond can be repaid early at any time
- the issuer of the bond is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Three-year bonds secured by EFI Hotel & Properties shares with a high yield of up to 9 %
Investment due on November 1, 2028
- investment from CZK 50,000
- annual interest 9% for the first yield period (October 1, 2025 to October 31, 2026)
- annual interest 8% for the second yield period (November 1, 2026 to October 31, 2027)
- annual interest 7% for the third yield period (November 1, 2027 to October 31, 2028)
- bonds are secured by shares of the hotel and real estate group EFI Hotels & Properties, a.s.
- the bond can be repaid early at any time
- the issuer of the bond is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Four-year anti-inflation bonds e‑Finance CZ
Investment due on October 1,2029
- investment from CZK 50,000
- annual interest INFLATION + 1% is paid out every year
- the bond can be repaid early at the end of the interest period
- the bond issuer is the business corporation e-Finance Group
- information by phone 515 555 555 or by email info@e-finance.eu
Bond Program e‑Finance CZ
The company e-Finance CZ issues bonds intended for citizens and companies within the framework of the e-Finance CZ bond program.
You can order bonds using the form below.
Interest Yield
The bonds bear appreciation, which is always specified in the final terms for the particular bond issue. Appreciation may be determined by a floating or fixed rate. The floating rate is derived from changes in the underlying consumer price index. The fixed rate is set at the same level for all yield periods or a specific rate is determined for each yield period. Interest will be paid to the bondholder once a year.
Form of Bonds
The bonds are issued in paper form, in the name of the holder and are freely transferable by endorsement, with the transfer not subject to approval and not subject to any fees. The subscription of the bond is also carried out without any fees.
Use of Proceeds from Bonds
The Issuer intends to invest the funds obtained from the bonds primarily in the development and financing of the business activities of the Issuer, its parent company and sister companies, particularly in the areas of construction, purchase, revitalization, rental, operation and sale of real estate, purchase of shares in business corporations whose main economic activity is the management of their own real estate, establishment of business corporations whose main economic activity is the management of their own real estate, management of shares held by the Issuer, the parent company or sister companies in business corporations, development and financing of business corporations in which the Issuer, the parent company or sister companies own a share.
Bond Redemption
Bonds are usually one-year, two-year, three-year or four-year, with the bond holder entitled to request an extraordinary (early) redemption with a notice period according to the terms of the specific issue.
Subscription and Purchase of Bonds
First, you will conclude a bond subscription and purchase agreement, then pay the issue price of the subscribed bonds either by transfer to the account specified in the agreement or in cash (cash only up to the equivalent of CZK 250,000), after which the bonds will be handed over to you. Bonds can also be sent by mail as an insured valuable shipment. The nominal value of one bond and the minimum investment amount is CZK 50,000. The bond subscription agreement can be concluded directly at the headquarters of e Finance in Brno at Bratislavská 234/52 street, or by correspondence, or by filling out the order form below.
Approval by the CNB
The base prospectuses of individual bond programs were approved by the Czech National Bank as the competent authority pursuant to Regulation (EU) 2017/1129.
secured bonds
bonds secured by shares of EFI Hotels & Properties, a.s.
unsecured bonds
The Czech National Bank approves these prospectuses only insofar as they comply with the standards of completeness, comprehensibility and consistency imposed by Regulation (EU) 2017/1129. This approval should not be construed as an endorsement of the quality of the securities that are the subject of these prospectuses. Investors should make their own assessment of the suitability of investing in these securities. We recommend that potential investors read the prospectuses before making an investment decision in order to fully understand the potential risks and rewards associated with a decision to invest in the securities.
Complete information
secured bonds
bonds secured by shares of EFI Hotels & Properties, a.s.
unsecured bonds
Bond pre-order
Request for information
Questions and Answers
Our strategy is to invest in real estate in the Czech Republic, either to increase its value through renovation and subsequent sale, or for the purpose of holding and renting the properties. We are also involved in the development of apartment buildings and family houses. Specific projects we are working on, including photo documentation, can be found HERE.
The account number can only be changed in person upon presenting an ID, or by sending a written notice by post with a notarized signature. A sample notice of account number change can be downloaded HERE.
There are many differences, which is why every investor should carefully study the bond's terms and prospectus (download HERE).
I want to send a business card to this page:
Bonds issued
Redeemed issues
Secured bonds
e-Finance Property SE bonds
Bonds e-Finance CZ
e-Finance Property Bonds
eFi Palace bonds
Information
Are you interested in working with us?
Find the job that's right for you
