Frequently asked questions

Brick or paper?
Czechs want a brick. Even though it is fashionable today to invest in real estate through securities, at LUSQ we believe that the customer prefers actual ownership of an apartment to a real estate fund or a bond. In a crisis, paper can be just paper. A brick will remain a brick. And an apartment in the Land Registry is an apartment in the Land Registry.
What is LUSQ?
LUSQ is a unique real estate service in the Czech environment, which was the first to make it possible to buy an investment apartment without the need for a personal viewing, not to worry about anything, and only to collect the Guaranteed Yield. The service combines the extensive experience of the founders from real estate, law, finance, and online services, bringing users a simple path to the guaranteed appreciation of free funds.
Who is behind the company?
LUSQ’s ranks include experienced Czech experts from relevant fields such as property management, real estate law, and real estate financing. They bring digitalization to traditional sectors like finance and real estate. See also the About Us section.
How does LUSQ work?
LUSQ monitors the real estate market and selects a city, neighborhood, street, entrance, and apartment. We buy and completely renovate the apartment, then offer it to an investor. The investor buys it and rents it back to us = we become your tenants, paying you net rent guaranteed every month. We subsequently sublet, repair, maintain, handle tenants, deal with HOA (SVJ) meetings, do utility settlements, and oversee everything at our own expense. From the fifth year onwards, we split any rent increase 50/50. The investor buys the apartment (registered in the Land Registry as the owner) and receives guaranteed money in their account on the 8th of every calendar month. The investor then holds the asset as property values grow in line with or faster than the market.
What is LUSQs motivation to select apartments only in good locations?
In order to pay the investor the agreed monthly sum and eventually profit from rent increases, we must be able to occupy the apartment, collect rent, raise rent over time, and have tenants who do not damage it. This is only possible in good locations where working (creditworthy) people want to live. Consequently, creditworthy individuals in these locations tend to buy apartments for personal ownership using mortgages, which further drives up the market value of the apartment.
What properties does LUSQ offer?
LUSQ buys properties that generate attractive yields. Typical examples are smaller apartments with layouts from 2+kk to 3+kk that rent well and deliver the highest appreciation over time.
Can I buy an apartment online?
Unfortunately, Czech law does not allow a purely online purchase for apartments in personal ownership. Nor is it our preferred way to start a partnership. We favor a long-term relationship with investors, which relies on personal acquaintance and mutual trust. Therefore, our standard procedure involves a non-binding personal consultation with our CEO, during which we jointly evaluate whether our product aligns with your expectations and goals.
In which locations can I buy an apartment?
We currently focus on northern and southern Bohemia due to relatively low apartment prices, a stable economy, and sufficient job opportunities bolstered by proximity to Western European economies. Furthermore, we are preparing apartments in new developments in regional capitals under cooperative ownership with secured financing.
What condition are the properties in?
Unless it is a brand-new building, we thoroughly renovate every property after purchase. In practice, we execute a complete interior reconstruction. As a result, it will not require any further investment for a long time, and tenants will flock to it. The renovation is so rigorous that we can guarantee zero upcoming maintenance expenses for you.
How does the purchase of an investment apartment take place?
You can see our available properties on the LUSQ website. Simply email or call us, and we will welcome you for a non-binding consultation in our offices. We also offer personal viewings of both the location and the apartment.
What form of ownership am I buying?
All investment apartments in the LUSQ portfolio are purchased directly into your personal ownership.
What are the advantages of buying in personal ownership?
The main advantage of personal ownership is that you are recorded in the Land Registry as the sole owner. You can finance the purchase using a conventional mortgage from any bank and dispose of the property as you wish. Simply put: whatever happens, the apartment remains yours.
What are the prices of your apartments?
We offer apartments at prices approximately 10-20% above the open market price. This is because we buy apartments from the open market at standard prices (not from foreclosures, etc.). Furthermore, high-end reconstruction costs and our company margin—covering the full package of services and guarantees—are reflected in the price. With current housing growth trends, the market typically catches up within two years, after which you profit directly from market growth.
How can I sell the apartment?
It is simple: you can call us and we will handle everything for you. Alternatively, you can notify us of your intent and sell the apartment independently (e.g., through a familiar broker). There are virtually no restrictions.
How much money do I need to have ready?
In most cases, 30% of the purchase price is sufficient. The rest can be financed through a mortgage from your bank or arranged via a mortgage broker. If you do not have one, we can secure financing for you.
Can I view properties before buying?
Yes, properties can be viewed in person. Usually, investors visit in person for their first apartment purchase, while subsequent purchases are often completed directly "from the office".
How does LUSQ Estimated Yield work?
The LUSQ Estimated Yield is the monthly amount earned by the property owner (guaranteed yield) plus the expected monthly growth in the property’s value. The Guaranteed Yield is the net return before tax—meaning after deducting contributions to the repair fund and other secondary costs. The stated amount actually arrives in your bank account, and you pay nothing further regarding the operation of the apartment.
When and where does my money go?
The LUSQ Guaranteed Yield is paid monthly directly to the bank account specified in your contract, always on the 8th day of the month.
Do I have to pay tax on the yield?
Generally, rental income is subject to a 15% income tax. The actual taxable base depends on individual tax-deductible items, such as mortgage interest costs if financing is used.
Who rents the property?
LUSQ rents the apartment directly from you and sublets it further. LUSQ selects only creditworthy and respectable tenants using a verified scoring model. As a result, we achieve nearly 100% occupancy, nearly 100% rent collection, and very low repair or maintenance costs.
What if the apartment is not currently rented? Do I still get paid?
LUSQ assumes the risk of vacancy for any reason. You receive your Guaranteed Yield even if the property is unoccupied.
Where can I find all essential information and documents about the property?
Simply contact us through our contact channels and we will happily send you everything in advance, give you time to consider, and offer a non-binding personal consultation.
What does LUSQ Property Management do for me?
LUSQ Property Management provides all services that an investment apartment owner would normally handle independently: maintenance, tenant placement, rent collection, utilities, communication with HOAs (SVJ) and energy suppliers, repairs, and much more. In short: everything. You will only know you own the apartment via the Land Registry and your monthly bank statement. Otherwise, no one disturbs you with operational matters. The only exception is our CEO, who sends an annual summary report to all investors and invites each investor to lunch once a year to discuss future plans or questions.
What costs does the service include?
The difference between the rent collected from the subtenant and the Guaranteed Yield paid to you covers all service costs. The owner pays nothing extra.
Can I handle facility management and the tenant myself?
Of course, the owner can manage the property as they see fit. It is simply necessary to agree on handing over the property and ending cooperation with LUSQ.
Can I sell the property?
The property belongs to the owner, who holds full ownership rights. You can sell, mortgage to a bank, or gift the property at any time. You can sell directly or through LUSQ.
How long will it take for me to get my money back from the sale?
Investment apartments are in high demand. Most sales occur within weeks, at most a few months. LUSQ will recommend an optimal sales price and approach, though the final choice remains with the investor.
Does LUSQ guarantee me a minimum property value?
LUSQ does not guarantee real estate price trends. LUSQ buys properties in areas where property prices are projected to rise. Short-term fluctuations can occur, though property prices have historically risen in the long run. Guaranteeing property values would not be serious on our part, as it would require forming massive reserves that would multiply property purchase prices.
How and when can I terminate the LUSQ service?
You can terminate LUSQ services anytime within the first four years with a low exit fee designed to cover administrative costs. From the fifth year onwards, you can terminate cooperation anytime by mutual agreement without an exit fee.
Can I live in the property myself, or are there other restrictions?
Of course. The apartment belongs to the owner, who can handle it fully as they wish. However, if LUSQ cannot collect rent because you live in the apartment yourself, LUSQ cannot continue paying you the guaranteed rent. The same applies to any similar situations where you handle the apartment in a way that prevents LUSQ from subletting and managing it.

Want to know more?

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Call us

+420 771 135 501

Email us

info@lusq.cz

Our address

LUSQ s.r.o. (ARROWS ETL Global – budova AVIATICA)
U Trezorky 921/2
Praha 5 - Jinonice
158 00

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