Raizers needs sixteen days to raise 280,000 € to split a Carpentras house into two homes

28/10/2026 – ⏱ 2 min · By Realty Investor Editorial Team

Neither of the two homes will go on sale until the works are finished, and the loan pays nothing until October 2028

This article is for informational purposes only and does not, under any circumstances, constitute investment advice or a recommendation.

Sixteen days. That is how long Raizers took to raise the 280,000 € to split a house in Carpentras (Vaucluse, France) into two homes, at a pace of 12 € per minute. 112 investors took part, with an average ticket of 2,500 €.

It is the lowest per-minute pace of the Raizers closings we have covered this month. Earlier in the month it placed 250,000 €, a similar amount, in seven days to finish a home in Bolnuevo, and yesterday it closed 1,130,000 € in Haute-Savoie at 21 € per minute.

It is a Provençal house with a ground floor and an attic on avenue Jean-Henri Fabre. The developer will split it into two terraced homes, each with a courtyard and two parking spaces, with a full refurbishment aiming at a D or C energy rating. The two lots add up to 241 m², valued at 506,100 €.

There is no sale or reservation: marketing does not start until the works are finished, with Century21 Carpentras, and the information sheet itself places that timing "in the long term" among the points to watch. The prior authorisation has been obtained and its validity has already expired.

The operation is a loan: investors lend the money to the developer through the platform, which repays it with interest within the agreed term, here twenty-four months at a target rate of 11 % per year. Nothing is paid along the way: the repayment schedule pays nothing in the first year and settles 65,005.91 € of interest together with the principal in October 2028. The security is a first-ranking mortgage, with the developer's personal guarantee and the obligation to repay with every lot sold.

Two figures from the file are worth remembering. The 55 % LTV the sheet publishes is calculated against those 506,100 € of expected sales, not against the 225,000 € the house costs to buy: against the purchase price, the loan amounts to 124 %. And the borrower, EVANOAA, was incorporated in October 2025 with 1,000 € of capital; this is its first operation, and its manager's first split into two homes.

Investing in real-estate crowdfunding carries the risk of losing part or all of the capital: the money is locked up until maturity, returns are not guaranteed and there is no deposit guarantee fund cover. Here repayment depends on selling two homes that do not yet exist. Non-sophisticated investors have four calendar days to withdraw their investment offer without penalty.

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