Start With Just €100
Begin with a low entry point and expand your participation over time
You decide how much to allocate to each opportunity, subject to the holding period and the terms of the property.
Niriam is built to make real estate participation clear, simple, and accessible regardless of your experience level.
Everything takes place in a transparent, secure digital environment, allowing you to begin with an entry point of €100 and increase your participation over time in a way that suits you.
How it works
Periodic proceeds, if any, are handled in accordance with contractual terms and property activity; no guarantee of timing or amount is implied.
All distributions are automatically credited to your Niriam wallet.
*No fees from Niriam* — withdraw your funds at any time with zero platform charges
Minimum withdrawal: €100 (standard bank transfer fees may apply from your bank)
Independent Verification & Full Transparency
Before being listed, each property undergoes a structured review process, including:
- Legal verification to confirm the property ownership framework and supporting documentation.
- Financial review of historical rental activity, valuation references, and relevant market context.
- Technical inspection to assess the physical condition and general maintenance status of the property.
- Insurance arrangements designed to address property-related risks, liability considerations, and unforeseen events.
Relevant documentation is made available to users in a clear and accessible format to support informed and independent decision-making.
Comprehensive Protection & All-Inclusive Pricing
Each property listed on Niriam is covered by property-level insurance arrangements addressing physical damage, liability considerations, and certain unforeseen events, in accordance with applicable policy terms.
The following cost categories may apply in connection with property participation arrangements:
- Property management and operational services
- Insurance-related costs
- Platform administration and maintenance
- Legal, accounting, and compliance-related expenses
Applicable costs are transparently disclosed. Any net amounts, if applicable, are calculated after the relevant costs are accounted for, in accordance with the applicable contractual terms.
Participation Approaches
Niriam offers several property categories so users can choose opportunities that match their goals and comfort level. All properties undergo legal, financial, and technical verification before being listed. With an entry point of €100, you can explore different strategies whether you're starting small or gradually building a broader portfolio.
Rental-Focused Participation
Designed for participants interested in properties with established rental activity and recurring tenant arrangements.
Key Features:- Properties with demonstrated rental demand and occupancy patterns
- Longer-term tenant arrangements where applicabl
- Reduced operational involvement through centralized administration
- Periodic allocation of net amounts, if any, in accordance with contractual participation terms
Long-Term Value Participation
Designed for participants interested in properties located in areas undergoing urban development or structural change, where long-term market dynamics may evolve over time.
Key Features:- Properties situated near planned infrastructure or development initiatives
- Assets positioned within areas experiencing gradual urban transformation
- Exposure to locations with evolving supply and demand dynamics
- Participation structured with a longer-term horizon in mind, without guaranteed outcomes
Balanced Participation
Designed for participants seeking exposure to properties with established locations and stable operational characteristics, without reliance on a single performance factor.
Key Features:- Properties located in central, well-established districts with consistent usage patterns
- Developments with defined tenant profiles and ongoing professional administration
- Assets managed through standardized operational processes
- Participation structured to balance multiple property-related factors, without guaranteed outcomes
Renovate & Lease Participation
Designed for participants interested in properties requiring renovation, where value may be influenced by physical improvements and subsequent tenant use.
Key Features:- Properties offered with lower initial condition requirements within established markets
- Assets undergoing renovation to improve usability and rental readiness
- Units typically vacant at the outset, allowing for refurbishment and repositioning
- Participation structured around renovation and leasing activities, without guaranteed outcomes
Renovate & Transfer Participation
Designed for participants interested in properties intended for refurbishment followed by a transfer or disposal process, based on predefined contractual conditions.
Key Features:- Properties typically requiring renovation prior to further use or transfer
- Assets initially vacant or suitable for refurbishment and repositioning
- Coordinated renovation and transfer processes managed through defined operational workflows
- Participation structured around renovation and subsequent transfer activities, without guaranteed outcomes
Commercial Asset Participation
Structured participation linked to commercial properties influenced by location characteristics and broader market conditions:
Key Features:- Properties positioned within established commercial zones
- Assets supported by surrounding demand drivers and usage patterns
- Locations influenced by ongoing or planned infrastructure development
- Participation structured around commercial property dynamics, without guaranteed outcomes
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Defined Transfer Periods (After 12 Months)
Following predefined contractual milestones, participants may submit requests to transfer their contractual participation rights. Such requests are subject to applicable contractual conditions and the availability of matching counterparties.
Where the contractual conditions for an agreed property transfer or disposal event are met, Niriam may facilitate the relevant process in accordance with the applicable terms governing the participation arrangement.
Any resulting amounts, if applicable, are allocated proportionally based on contractual participation rights, as defined in the relevant agreements.
This framework is designed to support structured participation while maintaining operational consistency, ensuring that all transfer-related processes follow the same legal, financial, and technical standards applied across the platform.
The ability to transfer participation rights is not guaranteed and depends on contractual conditions and available demand. -
Property Sale Upon Reaching Target Performance
In certain situations, a property may be considered for transfer or disposal in accordance with predefined contractual conditions.
Where applicable contractual criteria are met and subject to prevailing market conditions, Niriam may facilitate a property transfer process in line with the agreed terms governing the participation arrangement.
Prior to any such process, relevant legal, financial, and technical reviews are carried out to ensure alignment with property documentation and applicable regulatory requirements.
If a transfer or disposal is completed, proceeds are allocated in accordance with each participant’s contractual participation rights, as defined in the applicable agreements.
All relevant updates regarding the process, documentation, indicative timelines, and any resulting allocations are communicated to users through official platform communications. -
Decision-Making Process
Significant property-related actions, including potential transfer or disposal processes, are communicated to all participants with advance notice. While Niriam is responsible for day-to-day administration and operational coordination in accordance with predefined contractual conditions, participants are provided with full transparency regarding:
• The contextual basis for initiating the process
• Relevant market context and valuation references
• Indicative timelines, where applicable
• Allocation methodology in accordance with contractual participation rights
Important Risk Information
Real estate participation through contractual rights carries inherent risk. Market conditions may affect outcomes:
- Market Risk: Property values and rental income can fluctuate based on market conditions
- Transferаvailability Risk: The ability to transfer contractual participation rights depends on available counterparties and applicable contractual conditions; transfers are not guaranteed
- Rental Risk: Vacancy periods or tenant defaults may temporarily affect distributions
- Regulatory Risk: Changes in local laws or tax regulations may impact returns
- Currency Risk: For international properties, exchange rate fluctuations may affect your returns
Niriam mitigates these risks through thorough verification, insurance coverage, and professional management, but cannot eliminate them entirely. All participation arrangements should be considered within a diversified approach.
Past performance does not guarantee future results.
Proceeds or cash flows related to property outcomes may be subject to taxation depending on local law and contractual roles; participants should consult tax advisors.
Why Niriam Works for Everyone
Trusted Access to Global Real Estate
Niriam provides an accessible entry into global real estate participation. Participants can shape their engagement according to their goals and preferred level of risk.
Tailored Strategies for Every Investor
With a range of strategies from rental-focused properties to appreciation-driven and renovation-based opportunities users can shape their portfolio according to their goals and preferred level of risk.
Simplifying Access to Real Estate
The platform simplifies every step: registration, property selection, share allocation, and ongoing management. Users always have a clear, documented view of what they own and how each property is being managed.