Invest in Lodz Student Housing Bond
6,6 % interest paid quarterly from day 1
first-rank mortgage security
6,6 %
yield p.y.
€ 2.500
Fixed premium
~7,6 %
Effective return
Lodz Student Housing Bond
A real estate bond in the growing student city of Łódź (Poland), with quarterly interest from day one and maximum security for investors.
6.6% fixed interest per annum,
paid quarterly
6.6% fixed net interest per annum, paid quarterly
€2,500 fixed premium after 8 years,
ultimately 7.6% return
€ 2,500 fixed premium after 8 years, ultimately 7.6% net return
First mortgage on the total construction value
Funds raised are managed by external parties to maximise their use.
Documentation and contact person
in English
Flemish developer with 12 years of real estate experience in Lodz (Poland)
Why this property bond differs from most similar options
Many real estate bonds are complex, lack transparency or offer low interest rates. In addition, they often lack hard collateral, such as a first mortgage. Lodz Student Housing Bond was set up with one central objective: maximum clarity and maximum investor security.
Typical real estate bonds
3–5% gross return
Often no mortgage as security
Complex, difficult-to-read terms and conditions
Focused solely on the local market
Structures that are difficult to understand
Lodz Student Housing Bond
6.6% fixed interest per annum
Paid quarterly
€2,500 fixed final premium per bond after 8 years
First mortgage on total project
All funds are managed externally
Interest from day 1 thanks to internal interest buffer
Full documentation in English
Approval by external authorities
Recommended
This is not a traditional ‘good faith bond’, but a structured real estate bond with hard collateral on the underlying properties.
Why Łódź is the new hotspot for student accommodation
Łódź is a rapidly growing student city in Poland, with roughly the same number of students as Ghent, but significantly fewer high-quality student rooms. This creates a structural opportunity for those who enter the market today.
Market fundamentals
As many students as Ghent, but less high-quality student housing
Structural demand for modern student rooms
Low vacancy rates and high rental security
Stable cash flow from rentals
Upward added value due to growing demand
Well-known parties such as XIOR have been investing in this for years
Urban development and infrastructure
Łódź is rapidly transforming from an old textile city into a modern student and tech city
New metro lines under construction within the city
High-speed rail line that will connect Łódź to Warsaw in just over half an hour
Major infrastructure projects that will make the city more liveable and easier to reach
Growing presence of tech companies and international students
Property prices are still significantly lower than in Western Europe, which provides additional growth potential
Łódź today is what Ghent was 15 years ago: a former textile city undergoing rapid transformation, but still offering the investment opportunities of an early market.
12 modern student units according to Belgian standards
The Lodz Student Housing Bond is financing a new construction project comprising 12 student units in Łódź.
6.6% fixed interest per annum,
paid quarterly
Entire plot owned by Belgian family with 12 years of experience in Lodz
Connected to the district heating network
Stable and predictable energy costs
Built according to Belgian quality standards
No major renovations expected for the first
8 years thanks to new construction
Attractive location near the main shopping street and several universities
Advantages of the building and location
Excellent rentability thanks to location, comfort and modern finishings
This combination makes the project particularly attractive to investors who wish to invest in student accommodation in Poland, specifically in Łódź, with a balance between return and risk.
First-rank mortgage,
independent escrow and trustee
The Lodz Student Housing Bond is structured from the investor's perspective.
The securities are tangible, legally anchored and clearly explained.
Mortgage with minimum coverage of 130% on the land and the entire new build
Bondholders take precedence over banks, suppliers and shareholders
Investors have first claim on the underlying bricks and mortar
1
First-rank mortgage
Maximum Certainty
Whereas many bonds primarily require trust, Lodz Student Housing Bond builds in legal certainty, with a transparent structure and clear rights for the investor.
1ste rang hypotheek, notaris-escrow en trustee
Dit project wordt geleid door David, afkomstig uit een Vlaamse bouwfamilie met een lange geschiedenis in kwaliteitsvastgoed.
Familie Van de Kerkhove realiseerde meer dan 11.000 woningen
Plus 8.000 prefabwoningen als pionier in de sector
Actief in Vlaanderen van de jaren '40 tot de jaren '80
Vlaamse bouwtraditie sinds de jaren '40
Maximale Zekerheid
Realisatie van exclusieve projecten in België en de Zwitserse Alpen
Bouw en beheer van luxe chalets en een boutique hotel in Zwitserland
Internationale vastgoedervaring
Sinds 2012 actief in Lodz
Meer dan 4.000 m² vastgoed (appartementen, winkels, hotels) in eigen portefeuille
Sterke en duurzame contacten met stadsdiensten en lokale partners
12 jaar lokale expertise in Łódź
Langetermijnvisie
Ambitie om kwalitatieve nieuwbouw en professionele studentenhuisvesting te ontwikkelen in Łódź, steeds met een lange termijn visie en eigen betrokkenheid bij de stad en de markt.
Yield per bond
Key data per bond
6.6% fixed interest per annum, paid quarterly
Fixed final premium of €2,500 after 8 years
Total repayment per bond after 8 years: €27,500
≈ 7,6%
Effective return
per year (including the final premium)
Comparison with other investment products
Local bonds
± 2,8%
Studenthousing
± 2–3,5%
German real estate funds
± 3–6% gross
Belgian property funds
± 2–4%
Lodz Student Housing Bond
± 7,6%
Conclusion: Lodz Student Housing Bond ranks at the top of the market in terms of return, with the added benefits of a first-rank mortgage, transparent structure and clear securities.
How can I invest in the Lodz Student Housing Bond?
The process has been deliberately kept simple and transparent so that you can get started safely and comfortably.
Fill in the form below and receive the complete information note in English.
Request further information
Step 1
Simple, secure, and transparent – with clear steps and guidance in English.
An English-speaking representative is available to assist you with all your questions.
Contact with English-speaking representative
Step 2
All documents will be delivered to you and can be signed digitally.
Acceptance of the terms and conditions
Step 3
The deposit is made into an escrow account in the name of an independent solicitor-trustee, who acts in the interests of the bondholders and communicates in English and French. Not to the developer.
Pay into the escrow account
Step 4
After the trustee has checked the registration, you will receive confirmation and the following official documents: the registration or subscription document, the bond terms and conditions, and the information memorandum explaining the structure, collateral and risks.
You will also receive a translated, informative version of the notarial deed showing that the mortgage securities have been correctly established, a document with the issuer's payment schedule, stating: the quarterly interest payments and the bond's maturity date.
Receive your official confirmation
Step 5
Thanks to the interest buffer, you will receive interest from day one.
Payment of your first instalment will commence in the next quarter.
Step 6
Interested? Request more information now.
Lodz Student Housing Bond
Fixed return of 6.6% per annum,
effective ± 7.6% including final premium
First-rank mortgage on plot and new-build property
Independent escrow and trustee
English-language documentation and reporting
Investment in a growing student city with low vacancy rates and high demand for student accommodation
Approval by external authorities
Would you like to read through all the details, terms and conditions and figures at your leisure? Leave your details here and receive the full information sheet in English.
Lodz Student Housing Bond
A real estate bond with maximum security for
investors in the growing student city of Łódź.
info@lodzhousing.be
+32 xxx xx xx xx
België
Contact
© 2025 Lodz Student Housing Bond. All rights reserved.
This is a promotional page. Always read the full information note before investing.
Your deposit will be paid into the escrow account of an independent Polish solicitor.
The funds will only be released when:
2
Independent escrow
At least 50% of the target capital has been raised
The mortgage has been correctly registered
The trustee (solicitor) confirms in writing that all securities have been correctly established
Thanks to this escrow mechanism, investors' funds remain protected until the project has been definitively launched, the developer cannot use the funds without complying with all agreements, and there is a clear and enforceable repayment mechanism if the project does not go ahead.
The developer provides an internal interest buffer.
You receive interest from day one, even during the entire construction phase.
No ‘dead period’ during which your money yields nothing.
3
Interest rate buffer
An independent Polish solicitor represents all bondholders.
He monitors the mortgage and compliance with the securities.
Communication with this party is possible in French and English.
4
Trustee
The solicitor-trustee works together with the notary, who is responsible for establishing the mortgage securities.
The solicitor-trustee verifies that these securities have been correctly and legally established before any release of funds.
All key information, terms and conditions, and reports in English
Includes certified English translation of the Polish notarial deed
5
Complete documentation in English
Fully digital process
Signing in person at the notary is permitted, but not mandatory
6
No trip to Poland necessary
Strong (international) demand for high-quality student accommodation
The returns are guaranteed, with a fixed term of 8 years and paid out every quarter.
net 6,6 % yield
paid quarterly from day 1