Secured bonds backed by collateral of the Račice Castle premises
Secured by a lien on real estate
The bonds are secured by a lien on the entire exclusive Račice Castle complex, comprising land plots with an area of over 50,000 m2, real estate properties, and Račice Castle itself.
Investment Proposal Račice Castle
The investment teaser for the Cas Račice-Pístovice complex is a document presenting a project for the reconstruction of a historical monument into a modern multifunctional facility. It offers an opportunity to invest in bonds with attractive returns, secured by exclusive real estate. You can download it 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
Annual yield
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
How much do you want to invest?
e-Finance CZ Bonds with Annual Interest of 9%, 8%, and 7%
The company e-Finance CZ is issuing, as of October 1, 2025, the bond issue e-Finance CZ 69 within the e-Finance CZ bond program. The e-Finance CZ 69 bonds can be ordered from August 8, 2025.
Interest Yield
The bonds carry a fixed yield of 9% p.a. for the first interest period (October 1, 2025 to October 31, 2026), 8% p.a. for the second interest period (November 1, 2026 to October 31, 2027), and 7% p.a. for the third interest period (November 1, 2027 to October 31, 2028). The stated interest rate is fixed for the entire period and will not change regardless of any potential decrease in bank interest rates. Interest will be paid to the bondholder on November 1, 2026, November 1, 2027, and November 1, 2028.
Form of Bonds
The bonds are issued in paper form, registered by name, and are freely transferable by endorsement. The transfer does not require approval and is not subject to any fees. Likewise, subscription to the bond is carried out without any fees.
Use of Proceeds from Bonds
The projects in which the Issuer intends to invest include primarily financing the plans of the companies e-Finance Zámek Račice , s.r.o., and e-Finance Apart Hotel, s.r.o. ("Project Companies"), from the Issuer's group ("Group"), for the purpose of refinancing the acquisition of the Račice Castle and Lipová Mountain Resort properties, reconstruction of buildings or renovation of historically valuable elements, renovation of furnishings, acquisition of movable property, operational financing, and refinancing of provided resources.
Bond Repayment
The bonds mature on November 1, 2028, while the bondholder is entitled to request an extraordinary redemption with a three-month notice period.
Subscription and Purchase of Bonds
First, you conclude a bond subscription and purchase agreement, then you 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 registered office of e-Finance Group in Brno at Bratislavská 234/52, by correspondence, or by completing the order form below.
Bond Security
The bonds are secured by a pledge on the entire exclusive area of Račice Castle, including land plots with an area of over 50,000 m2, real estate, and Račice Castle itself.
Download: Expert appraisal of Račice Castle, castle grounds, and real estate
The mortgaged area of Račice Castle, which covers over 50,000 m2, consists of:
- THE MAIN BUILDING of the castle, where tour rooms and circuits are located (1. Piano Nobile, 2. Castle cellars and castle service facilities), as well as 18 rooms for tourist-type guest accommodation during the main season. The main building also features, among other things, a magnificent courtyard.
- THE FORECASTLE, where in 2021 three newly renovated apartments in RETRO-LUX style were opened to the public. In 2022, renovation of additional apartments in the same style is planned here. The forecastle also offers tourist accommodation in 3 apartments and 6 rooms.
- THE BELL TOWER with beautiful historical bells. The bell tower is also awaiting sensitive renovation, thanks to which visitors will be able to enjoy breathtaking views of the surrounding forests.
- THE GAMEKEEPER'S LODGE, which has undergone complete renovation. The lodge offers 11 luxurious apartments, a restaurant with fireplace and bar, and a sauna with relaxation room.
- SURROUNDING FORESTS, which directly invite visitors for hiking and cycling trips.
You can download the publication about the mortgaged premises titled Zámek Račice – ILLUSTRATED HISTORY, created in collaboration with renowned architect doc. Ing. Arch. Ivo Boháč, PhD. and his students from the Faculty of Architecture at Brno University of Technology, for free HERE.
Approval by the CNB
The base prospectus of the bonds has been approved by the Czech National Bank as the competent authority pursuant to Regulation (EU) 2017/1129.
Complete CNB decision on approval of the base prospectus for the bond offering programThe Czech National Bank approves this prospectus only in terms of compliance with the standards regarding completeness, comprehensibility, and consistency required by Regulation (EU) 2017/1129. This approval should not be understood as an endorsement of the quality of the securities that are the subject of this prospectus. Investors should perform their own assessment of the suitability of investing in these securities. We recommend potential investors read the prospectus before making an investment decision, in order to fully understand the potential risks and returns associated with the decision to invest in the securities.
Complete Information
Download: Investment Presentation of Račice Castle
Download: Expert Appraisal of Račice Castle, the Castle Grounds, and the Property
Download: e-Finance CZ 2024 Prospectus
Download: Final Terms of Bond Issue e-Finance CZ 69.pdf
The issue terms are also available at the issuer's registered office at Bratislavská 234/52, Brno, where they are available free of charge in brochure form and on electronic data carrier CD.
Bond pre-order
Request for information
Currently, e-Finance offers the following types of bonds:
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 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
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.
A bond cannot be co-owned without specifying a person who will exercise the rights of the owner. However, if you wish to split the investment, it is possible for each spouse to sign a subscription agreement for half of the invested amount.
No, these are not government-issued bonds.