Rontgen.lt Reviews

Based on checking the website, Rontgen.lt is a crowdfunding platform specializing in short-term business loans secured by real estate.

They aim to open up real estate investment, traditionally reserved for professionals, to a broader audience, with investments starting from as little as €100. While the platform emphasizes transparency, careful project selection, and a simple investment process, it operates on an interest-based model, which, from an Islamic perspective, falls under the category of Riba interest. Riba is strictly prohibited in Islam due to its inherent unfairness and potential for exploitation, as it extracts wealth without commensurate productive effort or risk-sharing.

This makes Rontgen.lt, and similar interest-bearing investment platforms, impermissible for a Muslim to engage with.

Instead, seeking Shariah-compliant alternatives that promote ethical wealth generation, risk-sharing, and community benefit is paramount.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Understanding the Riba Interest Aspect of Rontgen.lt

Rontgen.lt explicitly states that investors will “earn interest” palūkanos on their investments.

This is the core issue that makes the platform impermissible for Muslims.

Islam has a clear stance against Riba, which encompasses any fixed or predetermined return on a loan or investment where the return is not tied to the actual profit or loss of an underlying productive activity.

Why Riba is Prohibited in Islam

The prohibition of Riba is a fundamental principle in Islamic finance, rooted in numerous verses of the Quran and sayings of the Prophet Muhammad peace be upon him.

• Justice and Fairness: Riba is seen as unjust because it guarantees a return to the lender regardless of the borrower’s success or failure. This means the lender takes no risk, while the borrower bears all the risk. In Islam, wealth should be generated through productive effort and shared risk.
• Economic Inequality: Riba tends to concentrate wealth in the hands of a few and exacerbates economic disparities. It can lead to a society where the rich get richer simply by virtue of their capital, while the poor struggle with debt.
• Discourages Real Economic Activity: When wealth can be generated through interest, there’s less incentive for people to engage in real economic activities like trade, manufacturing, or agriculture, which are beneficial for society.
• Moral Hazard: Riba can lead to excessive debt and financial instability, as individuals and businesses are encouraged to borrow beyond their means, creating a fragile economic system.
• Spiritual Purity: Engaging in Riba is considered a major sin in Islam, impacting an individual’s spiritual well-being and their relationship with Allah. It’s seen as a form of exploitation that goes against the communal and ethical spirit of Islamic teachings.

The Contrast with Permissible Investments

Permissible investments in Islam are based on profit-and-loss sharing principles Musharakah, Mudarabah or ethical trading Murabaha, Ijarah. In these models: Ecosa.com.au Reviews

• Risk Sharing: Both the investor and the entrepreneur share the risk of the venture. If the venture makes a profit, both share. if it incurs a loss, both bear it proportionally.
• Tangible Assets: Investments are tied to real, tangible assets or productive activities, not just the lending of money for a guaranteed return.
• Ethical Considerations: Investments must be in businesses that are Shariah-compliant, avoiding sectors like alcohol, gambling, or pornography.

Understanding the Rontgen.lt Model: What it Offers

While the interest-based model makes it impermissible, understanding how Rontgen.lt functions can highlight the characteristics to look for—and avoid—in financial platforms.

Rontgen.lt positions itself as a streamlined gateway to real estate-backed investments through crowdfunding.

Core Offering and Accessibility

• Crowdfunding Real Estate: The platform pools funds from multiple investors to provide short-term business loans. These loans are specifically secured by real estate, reducing the risk for investors, at least in a conventional sense.
• Low Entry Barrier: One of Rontgen.lt’s key selling points is its accessibility. You can start investing with as little as €100, which makes real estate investment, traditionally requiring significant capital, available to a broader audience.
• Focus on Secured Loans: The emphasis on real estate as collateral is a significant feature. This means that if a borrower defaults, the underlying property can be seized and liquidated to recover the investment, theoretically offering a layer of security.
• Short-Term Investments: The platform highlights short-term investment periods, making it potentially attractive for those looking for quicker returns, though the exact duration isn’t specified for all projects.

Transparency and Project Vetting

• Detailed Project Information: Rontgen.lt claims to provide clear, transparent, and understandable information related to each investment. This includes details like annual interest rates palūkanos, investment period, risk class, and the purpose of the investment e.g., development of residential/commercial properties.
• Professional Review: They state that they are “real estate professionals” who carefully review and evaluate every project, offering only selected investments to their users. This suggests a vetting process to ensure project quality and viability.
• Regulatory Oversight: Rontgen.lt is a licensed crowdfunding platform supervised by the Bank of Lithuania, which is a positive indicator for conventional financial regulation and compliance within the EU framework.

Why Rontgen.lt is Not Permissible for Muslims

As established, the fundamental reason Rontgen.lt is impermissible for Muslims is its reliance on Riba interest. This is not a minor detail but a core operational principle of the platform.

Direct Contradiction to Islamic Financial Principles

• Guaranteed Interest: The platform explicitly promises “annual interest” metinės palūkanos ranging from 7.5% to 8.5% on projects. This guaranteed return on a loan, regardless of the actual profit or loss of the underlying real estate development, is the definition of Riba.
• Debt-Based Funding: The model is based on lending money for a return, rather than investing in a profit-and-loss sharing partnership. Even with real estate collateral, the primary mechanism is a loan, not an equity partnership.
• Lack of Profit-Loss Sharing: There is no indication that investors share in the actual profits or losses of the real estate projects. Their return is fixed, which goes against the Islamic principle of risk-sharing.

Consequences of Engaging with Riba

• Spiritual Harm: Engaging in Riba is considered a grave sin in Islam, invoking severe warnings in the Quran and Sunnah. It can lead to a lack of blessings barakah in one’s wealth and life.
• Ethical Compromise: It compromises a Muslim’s commitment to ethical financial practices and the broader Islamic economic framework, which seeks to establish justice, fairness, and mutual cooperation.
• Erosion of Barakah: Wealth accumulated through Riba is generally believed to lack barakah, or divine blessings, even if it appears to grow in the short term. This can lead to unforeseen difficulties or a lack of true contentment.

Ethical and Permissible Alternatives to Rontgen.lt

For Muslims seeking to invest their wealth in real estate or other ventures, there are numerous Shariah-compliant alternatives that adhere to Islamic financial principles, fostering economic justice and personal barakah.

Halal Investment Principles

• Risk Sharing Musharakah/Mudarabah:
  • Musharakah: A partnership where all parties contribute capital and/or labor, and share profits and losses according to a pre-agreed ratio. This is ideal for real estate development, where investors become equity partners.
  • Mudarabah: An investment partnership where one party provides the capital Rabb al-Mal and the other provides the expertise and management Mudarib. Profits are shared according to an agreed ratio, but losses are borne solely by the capital provider, unless the Mudarib is negligent.
• Asset-Backed Financing Ijarah/Murabaha:
  • Ijarah Leasing: A contract where an asset like real estate is leased to a client for a fee. The ownership remains with the financier, and the client benefits from its use. This is a common way to finance property.
  • Murabaha Cost-Plus Financing: A contract where the financier buys an asset and then sells it to the client at a mark-up. The client pays in installments. This is often used for property purchases.
• Ethical Screening: Ensuring the underlying business activities are permissible halal and do not involve prohibited industries like alcohol, gambling, or conventional finance.

Specific Halal Investment Avenues

1. Islamic Crowdfunding Platforms: 439sportswear.com Reviews

   • Equity-based Crowdfunding: Platforms where investors take an equity stake in a business or real estate project, sharing in its profits and losses. These are structured as Musharakah or Mudarabah.
   • Murabaha-based Crowdfunding: Some platforms facilitate financing for specific purchases where the platform buys the asset and sells it to the beneficiary with a markup, paid in installments.
   • Sukuk Islamic Bonds: These are Shariah-compliant certificates representing ownership in tangible assets, rather than debt. They provide returns based on the performance of the underlying assets.

2. Halal Real Estate Investment Funds:

   • Dedicated funds that invest exclusively in Shariah-compliant real estate projects. These funds are structured to avoid Riba and other prohibited elements. They often focus on income-generating properties or ethical development projects.
   • These funds are managed by experts who ensure all transactions and rental agreements comply with Islamic principles.

3. Direct Real Estate Partnerships:

   • Engaging directly with trusted individuals or groups in Musharakah partnerships to develop, buy, or manage real estate. This involves drawing up a clear, Shariah-compliant partnership agreement.
   • This approach requires due diligence on partners and projects but offers direct involvement and adherence to Islamic principles.

4. Halal Stock Market Investing:

   • Investing in companies listed on stock exchanges that meet Shariah-compliant criteria. This involves screening for sectors avoiding conventional finance, alcohol, entertainment, etc. and financial ratios e.g., low debt-to-equity.
   • Many Islamic index funds and ETFs are available that track Shariah-compliant stocks.

5. Ethical Business Ventures:

   • Investing directly in or partnering with small and medium-sized enterprises SMEs that operate in halal sectors, such as technology, sustainable agriculture, or halal food production.
   • This often involves a Mudarabah or Musharakah structure, providing capital for profit-and-loss sharing.

Key Considerations for Halal Investments

• Due Diligence: Always conduct thorough research on any platform or investment vehicle to ensure it is genuinely Shariah-compliant and regulated by reputable Islamic financial bodies.
• Transparency: Look for platforms that are transparent about their financial structures, project details, and Shariah compliance certificates.
• Expert Guidance: Consult with knowledgeable Islamic finance scholars or advisors if you are unsure about the permissibility of an investment.
• Long-Term Vision: Focus on investments that align with Islamic principles of ethical wealth creation and contribute positively to society, rather than just seeking quick returns at any cost.

Rontgen.lt Pros & Cons Focus on Cons due to Impermissibility

Given the Riba aspect, a full “Pros and Cons” list in the conventional sense is not appropriate for a Muslim audience. Instead, we’ll highlight the features that might be considered “pros” in a conventional context but ultimately fall short due to the impermissible interest model, alongside the definitive “cons” from an Islamic perspective. Ictrading.com Reviews

Conventional Features Not Permissible for Muslims

• Low Entry Threshold: Investments start from €100, making it accessible to a wider range of individuals who might not have substantial capital for traditional real estate investments.
• Real Estate Security: Loans are secured by real estate, which offers a tangible asset as collateral, potentially reducing conventional risk for investors if the borrower defaults.
• Short-Term Projects: The focus on short-term business loans could appeal to investors looking for quicker turnover on their capital.
• Regulatory Oversight: Being supervised by the Bank of Lithuania provides a level of regulatory assurance, ensuring compliance with EU crowdfunding regulations.
• User Testimonials: The website features positive testimonials from users, indicating a conventionally satisfactory experience for those who have invested.

Definitive Cons from an Islamic Perspective

• Riba Interest Based: This is the primary and overriding con. The core mechanism of earning “annual interest” directly contravenes Islamic financial law, rendering the platform impermissible for Muslims.
• Lack of Profit-Loss Sharing: Investors are guaranteed a fixed return, meaning they do not share in the actual risks or rewards of the underlying real estate projects, which is contrary to the spirit of Islamic partnerships Musharakah/Mudarabah.
• Ethical Compromise: Engaging with an interest-based platform, even if the underlying asset is real estate, means participating in a system deemed unjust and exploitative by Islamic teachings.
• Spiritual Implications: Investing in Riba can lead to a lack of blessings barakah and spiritual impurity in one’s wealth, affecting overall well-being.
• No Shariah Compliance: There is no indication of Shariah review or compliance, which is crucial for Muslims seeking ethical investment opportunities.

Rontgen.lt Alternatives Shariah-Compliant Focus

Since Rontgen.lt operates on an interest-based model, which is impermissible in Islam, the focus here is entirely on providing Shariah-compliant alternatives.

These alternatives are designed to align with Islamic ethical and financial principles, offering pathways to build wealth righteously.

1. Wahed Invest Global Halal Investment Platform

• Overview: Wahed Invest is a global robo-advisor that offers diversified portfolios of Shariah-compliant investments, including Sukuk Islamic bonds, global equities, and real estate income funds.
• How it Works: Users select a risk profile, and Wahed automatically invests their funds into a curated portfolio of halal assets. All investments undergo rigorous Shariah screening.
• Why it’s an Alternative:
  • Fully Shariah-Compliant: Every asset in their portfolio is screened by Shariah scholars.
  • Diversification: Offers diversification across various asset classes, not just real estate.
  • Accessibility: Low minimum investment thresholds, making it accessible to many.
  • Professional Management: Managed by experts who ensure adherence to Islamic finance principles.

2. Manzil Invest Canadian-based Halal Financial Services

• Overview: Manzil offers Shariah-compliant mortgages, investment funds, and ethical financial planning services primarily for the Canadian market. They are expanding their offerings.
• How it Works: For investments, they focus on income-generating assets and avoid conventional interest-based structures. Their mortgage product, for instance, uses an Ijarah lease-to-own model.
  • Comprehensive Halal Solutions: Beyond just investments, they provide full financial solutions aligned with Islamic principles.
  • Community-Focused: Often emphasize community benefit and ethical growth.
  • Transparency: Committed to transparent Shariah-compliant processes.

3. Yielders UK-based Halal Property Investment Platform

• Overview: Yielders is a platform that allows individuals to invest in pre-vetted UK properties, generating rental income. They use a crowdfunding model based on Shariah principles.
• How it Works: Investors collectively buy shares in a property, becoming co-owners. Returns are generated from rental income and potential property appreciation, not interest.
  • Direct Property Ownership: Investors have a tangible share in the underlying property.
  • Rental Income: Returns are derived from legitimate rental income, which is halal.
  • Crowdfunding Model: Utilizes crowdfunding but within a Shariah-compliant equity-based structure Musharakah.
  • Risk Sharing: Investors share in the profits rental income, capital gains and potential losses property value depreciation.

4. Halal Stock Screening Apps/Platforms e.g., Zoya, Islamicly

• Overview: These apps and platforms provide tools to screen individual stocks on global exchanges for Shariah compliance. They analyze business activities and financial ratios like debt to determine permissibility.
• How it Works: Users can search for companies and receive an immediate Shariah compliance rating, along with details on why a stock is considered halal or haram.
  • Empowers Individual Investing: Allows Muslims to build their own Shariah-compliant stock portfolios.
  • Global Reach: Can screen stocks from various markets worldwide.
  • Affordable: Many offer free basic screening with premium features for more in-depth analysis.
  • Direct Ownership: Investing in stocks means owning a share of a real business.

5. Direct Investment in Ethical Businesses e.g., through Private Equity/Venture Capital Funds

• Overview: For accredited investors or those with higher capital, participating in private equity or venture capital funds that specifically invest in halal, ethical businesses can be a powerful alternative.
• How it Works: These funds raise capital to invest in unlisted companies, typically in growth sectors, with a view to generating returns through profit-sharing or eventual exit strategies.
  • Direct Impact: Supports the growth of ethical, productive businesses.
  • High Growth Potential: Can offer significant returns if the businesses succeed.
  • Equity-Based: Focuses on equity participation and profit-loss sharing.
  • Real Economic Contribution: Funds are channeled into actual productive ventures that contribute to society.

Key Considerations When Choosing an Alternative

• Shariah Board/Advisory: Verify that the platform or fund has a reputable Shariah board or a qualified Shariah advisor overseeing its operations and product offerings.
• Regulatory Status: Ensure the platform is regulated by the relevant financial authorities in its operating jurisdiction.
• Transparency: Look for platforms that clearly disclose their investment methodologies, fee structures, and the underlying assets.
• Risk Profile: Understand the inherent risks associated with any investment, even if it’s Shariah-compliant.
• Personal Goals: Match the investment alternative to your personal financial goals, risk tolerance, and investment horizon.

By focusing on these Shariah-compliant alternatives, Muslims can actively participate in wealth creation and investment while upholding their religious principles, ensuring their financial dealings bring barakah and contribute to a just economic system.

How to Cancel Rontgen.lt Subscription Not applicable due to impermissibility

Since Rontgen.lt is an investment platform primarily dealing with interest-based loans, it doesn’t operate on a “subscription” model in the traditional sense like a streaming service or SaaS product.

Instead, users make individual investment commitments to specific projects. Prim-rose.com Reviews

Therefore, the concept of “canceling a subscription” doesn’t directly apply.

However, if an individual has already invested and wishes to disengage, the process would typically involve the following though, for Muslims, the primary action should be to avoid engaging with such platforms in the first place:

Disengaging from an Rontgen.lt Investment

1. Review Investment Terms: Any investment made on Rontgen.lt would be subject to the specific terms and conditions agreed upon for that particular project. These terms dictate the investment period, repayment schedule, and any clauses regarding early withdrawal or sale.
2. No Early Withdrawal: It is highly unlikely that Rontgen.lt, or any similar crowdfunding platform, offers an option for early withdrawal of invested capital before the project term ends. Investments are typically locked in for the duration specified e.g., 12 months for the Neries krantinės II project mentioned on their homepage.
3. Secondary Market If Available: Some crowdfunding platforms offer a secondary market where investors can sell their investment units to other interested investors before the project matures. It’s crucial to check Rontgen.lt’s specific policies on this. If a secondary market exists, selling your investment would depend on finding a buyer and might involve a discount or premium depending on market conditions.
4. Completion of Project Term: The most straightforward way to “end” an investment is to simply wait for the project’s investment period to conclude. At this point, the invested capital plus the accrued interest which, again, is impermissible for Muslims would be repaid to the investor’s account on the platform.
5. Withdrawing Funds: Once the funds are repaid to your Rontgen.lt account, you would then initiate a withdrawal request to transfer the money to your designated bank account. The website likely has a “Withdrawal” or “My Funds” section for this.

Important Note for Muslims: If a Muslim has unknowingly invested in an interest-based platform like Rontgen.lt, the immediate action should be to cease any further investments. Upon receiving any interest payments, these funds should be purified by donating them to charity, specifically for the poor and needy, without expecting any reward from Allah for this action. The principal amount can be kept as it is the original capital.

How to Cancel Rontgen.lt Free Trial Not Applicable

The concept of a “free trial” is typically associated with subscription services or software, where users get temporary access to premium features before committing to a paid plan. Based on the Rontgen.lt website, which focuses on real estate investment crowdfunding, there is no mention or indication of a “free trial” period or any service that would necessitate one.

Understanding Rontgen.lt’s Engagement Model

• Account Creation: Users are prompted to “REGISTER” and “CREATE AN ACCOUNT.” This process involves personal identification.
• Direct Investment: Once an account is set up and verified, users directly proceed to browse and select investment projects. The minimum investment is €100. There isn’t a preliminary “trial” phase where you can invest without committing capital.
• No Tiered Access: The platform appears to offer full access to its project listings and features upon account creation, without different “tiers” or “premium features” that would be locked behind a paywall and thus require a trial to experience.

Therefore, for Rontgen.lt, there is no “free trial” to cancel. Rapidpaints.co.uk Reviews

Engagement begins directly with the act of creating an investor account and making an investment.

Rontgen.lt Pricing Focus on Investment Returns, not Service Fees

Rontgen.lt doesn’t charge a “price” for its service in the traditional sense, as it’s not a subscription or a product. Instead, its “pricing” refers to the returns offered to investors and any fees that might be levied on those returns or on the borrowers. From the website, the primary “pricing” element highlighted is the annual interest rate metinės palūkanos offered on investments.

Investment Returns Impermissible for Muslims

• Annual Interest Rates: The homepage prominently displays “Metinės palūkanos: 7.5% – 8.5%” for featured projects like “Neries krantinės II.” This indicates the fixed annual return investors can expect on their capital.
• Nature of Return: As discussed, this is explicitly interest Riba, which is the guaranteed return on a loan, making it impermissible in Islam. Investors are promised this return regardless of the actual profit or loss of the underlying real estate development project.
• Variable Rates: While specific projects show ranges e.g., 7.5% – 8.5%, the platform seems to offer varying interest rates depending on the project’s risk class and duration. The “Rizikos klasė: B” Risk class: B for the example project suggests a risk-based pricing model for interest.

Potential Fees Not Explicitly Detailed for Investors on Homepage

While the homepage focuses on investor returns, crowdfunding platforms typically have fee structures that might include:

• Originator Fees: Fees charged to the project developers/borrowers for listing their projects and securing funding through the platform. These are usually a percentage of the raised capital or an upfront fee.
• Service Fees for Investors: Some platforms might charge a small percentage of the interest earned by investors as a service fee, or a fee for withdrawals. However, Rontgen.lt’s homepage does not explicitly detail these for investors.
• Default/Recovery Fees: In case of loan default, there might be fees associated with the recovery process from the collateral.

Crucial Point for Muslims: The core “price” that defines Rontgen.lt’s value proposition is the “interest” it offers. Since this is Riba, the platform is fundamentally impermissible, regardless of any other minor fees or charges. A Muslim should avoid any platform where the primary mechanism of return is interest.

Rontgen.lt vs. Shariah-Compliant Platforms A Comparative Perspective

Directly comparing Rontgen.lt with other conventional crowdfunding platforms would highlight features like interest rates, security of collateral, and regulatory oversight. Globalconnection21.com Reviews

However, for a Muslim audience, the vital comparison isn’t about which platform offers better interest or more secure loans, but rather which platforms align with Islamic principles.

Therefore, this comparison focuses on the fundamental divergence: interest-based vs. Shariah-compliant.

Rontgen.lt Interest-Based Crowdfunding

• Core Principle: Loans with fixed, guaranteed interest returns Riba.
• Investment Mechanism: Investors lend money to borrowers, who pay back principal plus interest. Real estate acts as collateral for these loans.
• Risk Profile Conventional: Relatively low for investors due to fixed returns and collateralization, but still subject to borrower default and asset liquidation risks.
• Regulatory Status: Supervised by the Bank of Lithuania under EU crowdfunding regulations.
• Permissibility for Muslims: Impermissible Haram due to Riba.

Shariah-Compliant Crowdfunding/Investment Platforms e.g., Wahed Invest, Yielders

• Core Principle: Profit-and-loss sharing, asset-backed transactions, ethical investments.
• Investment Mechanism:
  • Equity/Musharakah: Investors become co-owners of a business or property, sharing in actual profits and losses.
  • Murabaha/Ijarah: Asset-based transactions where the platform buys an asset and sells/leases it to the client with a halal markup/rental fee.
  • Sukuk: Ownership in tangible assets or specific projects, yielding returns based on asset performance.
• Risk Profile Islamic: Investors share the commercial risk. If the underlying venture fails, capital can be lost, aligning with the principle of sharing both profit and loss.
• Regulatory Status: Typically regulated by national financial authorities and additionally subject to Shariah compliance oversight by a dedicated Shariah board or scholars.
• Permissibility for Muslims: Permissible Halal as they adhere to Islamic financial principles.

Key Differences in Practice

Feature	Rontgen.lt Conventional, Interest-Based	Shariah-Compliant Platforms e.g., Wahed, Yielders
Return Mechanism	Fixed annual “interest” palūkanos on loans.	Share of actual profits from underlying assets/businesses. rental income.
Investor’s Role	Lender creditor aiming for a guaranteed return.	Partner/Co-owner equity holder or lessor, sharing in venture’s fate.
Risk Bearing	Borrower bears all business risk. investor’s return is fixed.	Both investor and entrepreneur share commercial risk profit & loss.
Underlying Contract	Loan agreement with interest.	Partnership Musharakah/Mudarabah, Sale Murabaha, Lease Ijarah, Sukuk.
Ethical Vetting	Focus on conventional risk assessment and financial viability.	Rigorous Shariah screening of business activities and financial ratios.
Religious Permissibility	Impermissible Haram due to Riba.	Permissible Halal as Riba is avoided, and ethical principles are upheld.

For a Muslim seeking to invest, the choice is clear.

While Rontgen.lt might offer seemingly attractive fixed returns and security in a conventional framework, its core mechanism of Riba makes it fundamentally incompatible with Islamic teachings.

The focus should always be on platforms that operate on profit-and-loss sharing, asset-backed principles, and rigorous Shariah compliance, ensuring one’s wealth is accumulated and grown in a blessed and permissible manner. Atunushome.com Reviews

Frequently Asked Questions

What is Rontgen.lt?

Rontgen.lt is a crowdfunding platform based in Lithuania that facilitates short-term business loans secured by real estate.

It allows individuals to invest in real estate development projects starting from €100, earning a fixed annual interest rate on their investments.

Is Rontgen.lt permissible for Muslims?

No, Rontgen.lt is not permissible haram for Muslims. The platform operates on an interest-based model, explicitly stating that investors earn “annual interest” palūkanos. Earning or paying interest Riba is strictly prohibited in Islam.

Why is Riba interest prohibited in Islam?

Riba is prohibited in Islam because it is considered unjust, exploitative, and economically destabilizing.

It generates wealth without proportionate risk-sharing or productive effort, leading to economic inequality and discouraging real economic activity, which goes against the Islamic principles of justice and fairness. Youvision.co.uk Reviews

What are the main types of investments offered by Rontgen.lt?

Rontgen.lt primarily offers investments in short-term business loans that are secured by real estate.

These investments are directed towards real estate development or similar projects.

What is the minimum investment amount on Rontgen.lt?

The minimum investment amount stated on the Rontgen.lt website is €100.

Does Rontgen.lt offer a “free trial”?

No, Rontgen.lt does not offer a “free trial.” Users create an account and then directly proceed to make investments in projects, starting with a minimum of €100.

How does Rontgen.lt claim to secure investments?

Rontgen.lt claims to secure investments by backing the loans with real estate collateral. Britelitewindows.co.uk Reviews

This means that if a borrower defaults, the underlying property can be used to recover the investment.

Who regulates Rontgen.lt?

Rontgen.lt is a licensed crowdfunding platform supervised by the Bank of Lithuania, operating under the regulatory framework of the EU Crowdfunding Regulation.

What kind of returns does Rontgen.lt promise?

Rontgen.lt promises fixed annual interest rates on investments, with examples on their homepage showing rates ranging from 7.5% to 8.5%.

Are the returns on Rontgen.lt guaranteed?

In a conventional sense, the returns are fixed and promised as “interest.” However, like any investment, there is always a risk of borrower default, even with collateral, although the platform aims to mitigate this.

From an Islamic perspective, even if conventionally guaranteed, the nature of the return as Riba makes it impermissible. Molisandco.com Reviews

What are some Shariah-compliant alternatives to Rontgen.lt for real estate investment?

Shariah-compliant alternatives include platforms like Yielders for direct property co-ownership based on rental income, Islamic real estate investment funds, or direct partnerships Musharakah/Mudarabah in real estate projects where profits and losses are shared.

Can I invest in stocks ethically instead of Rontgen.lt?

Yes, you can invest in stocks ethically by using Shariah screening tools and platforms like Zoya or Islamicly to identify companies that comply with Islamic principles, avoiding those involved in impermissible activities or excessive debt.

What is the concept of “Purification of Wealth” if I accidentally earned Riba?

If a Muslim has unknowingly earned Riba, the principle of purification dictates that the interest portion of the wealth should be donated to charity, specifically for the poor and needy, without expecting any spiritual reward for this act. The principal capital can be retained.

Does Rontgen.lt charge any fees to investors?

The Rontgen.lt homepage does not explicitly detail service fees for investors, but focuses on the annual interest rates as the return.

Platforms typically have fees for borrowers or a small percentage from investor earnings, but this information isn’t prominently displayed for investors. Oponeo.co.uk Reviews

How can I “cancel” an investment on Rontgen.lt?

Typically, you cannot “cancel” or withdraw an investment early from Rontgen.lt before the stated project term ends.

Your investment is usually locked in for the duration.

Some platforms might offer a secondary market for selling investments, but you would need to check Rontgen.lt’s specific policies.

What is the typical investment period on Rontgen.lt?

The example project on the Rontgen.lt homepage shows an “Investicijos laikotarpis” Investment period of 12 months, indicating a focus on short to medium-term investments.

Are there any user reviews for Rontgen.lt?

Yes, the Rontgen.lt website features several positive user testimonials, indicating a 5/5 rating based on customer experience investing through their platform. Thefeltbox.co.uk Reviews

What kind of projects does Rontgen.lt finance?

Rontgen.lt finances various business loans, primarily those secured by real estate, including projects for residential or commercial development.

Is the investment process on Rontgen.lt complicated?

Rontgen.lt claims a “simple and clear” investment process involving account registration, electronic identification, selecting an investment, and then receiving investment returns and interest according to a payment schedule.

What role does collateral play in Rontgen.lt investments?

Collateral, specifically real estate, is used to secure the business loans offered through Rontgen.lt.

This means that if a borrower defaults on the loan, the collateralized property can be liquidated to recover the funds for investors.

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