Investment Returns

The expected ROI varies depending on the specific property and market conditions. We provide relevant information on each property in their respective Details Page to help you make an informed assessment on potential returns.

There are a few ways to potentially earn returns on your Urby investment:

Selling on the Secondary Market: If your shares increase in value, you can sell them at a higher price than you paid.

Homeowner Buybacks: For Co-owned homes, you may earn a profit when homeowners repurchase their shares from our listing partner..

Property Sales: You may receive a share of any proceeds from property sales.

Please note that these returns aren’t guaranteed, as real estate investments come with risks, and past performance does not predict or guarantee future results.

FastTrack: 6–12 months.

Co-owned: 5–10 years depending on the homeowners.

You can easily monitor the performance of your shares and potential returns on your Urby Dashboard. We provide clear and up-to-date information to help you track your investment’s growth over time.

No, there are no guarantees on returns when investing through Urby. While your investment is backed by real estate, which can be more stable than other investments, property values can still go up or down.

This means your returns could change depending on market conditions and the specific properties. Like any investment, there are risks involved, and returns are not guaranteed.

Newly issued PSC will always be initially priced at RM 10 per share, excluding any discounts that may be applied during promotional campaigns. The issue price per share is revised on a monthly basis depending on the amount of unsold shares and the anticipated demand for the shares in that month.

The number of PSCs issued is based on the estimated amount of funds required to complete the upcycling project:

• FastTrack homes: this includes costs and fees related to acquiring, renovating, and selling of the property, as well as the cost of this capital.
• Co-owned homes: this includes the amount of capital provided to the homeowner to execute their renovation, as well as the cost of this capital.

Gains from Profit Share Contracts are typically reported net of taxes, meaning any applicable taxes have already been accounted for in the returns you receive. This is in line with local tax regulations. It’s important to consult a tax professional to understand how these may apply to your individual situation.

]

• Sale Proceeds - The amount of money paid by a buyer for the property. This may be verified through the published SPA document.
• Debt - If applicable, the remaining loan amount owed to the bank for financing the original property purchase. This may be verified through the published financing documentation.
• Ownership % - The % of the property that the Lister owns. This may be verified through the published ownership documentation.
• Taxes - Pre calculated amounts withheld to meet either Real Property Gains Tax or Income Tax obligations owed by the Lister to the government.
• Fees -

• Management fees charged by the listing partner for managing the entire upcycling process.
• Admin fees charged by legal and corporate secretarial service providers for transaction document processing.

• Savings - Cost savings that were achieved during the upcycling process. 
• Buy Back Proceeds - For a Co-owned property, the amount of money paid by the homeowner to buy out the Lister’s share of the property. This may be verified through the published Buy Back Schedule.
• # of PSCs - The amount of PSCs of the specific property held by the Urby user in their individual portfolio.
• PSCs Issued - The total amount of PSCs issued by a Lister against a listed property. This may be verified through the published Property Specific Profit Share Contract.

Assuming the following data:

PSC Redemption Value:

[(A-B)*C -D-E+F] * (G/H)

((1,250,000 - 750,000) * 40% - 7,500 - 50,000 + 2,500) * / (1,000/15,000)

= RM 10,741

Assuming the PSCs were purchased at an average price of RM 10 for a RM 10,000 aggregate cost, the return on investment for the user would be equal to:

(10,741-10,000) / 10,000

= 7.4%