There's still time to cast your vote for EstateGuru for this year's Alt Fi People's Choice Award. It would be a great honor if you support us in the award ceremony of. Estateguru war die letzte Plattform, mit der ich in Erfahrungen gemacht habe. Das Unternehmen aus Estland setzt auf Immobilienfinanzierungen in Estland. EstateGuru ist europäischer Marktführer für alternative Finanzierungen. Das estnische FinTech hat nun auch eine Niederlassung in.
Wie ich 11% Rendite mit 67 Immobilienprojekten geschafft habeDie Immobilien Crowdinvesting Plattform EstateGuru ermöglicht das Immobilieninvestment ab 50 Euro. Die Projekte stammen aus Osteuropa. Invest in short-term, property backed loans in Europe. No fees, no barriers. See more! Drei Jahre Estateguru sind zu Ende. 67 Projekte sind erfolgreich zurückgezahlt. Fast 50 laufen aktuell. Wie habe ich 11 % Rendite erreicht?
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Our unique value proposition is to connect various real estate market participants into one single marketplace by creating seamless, cross-border and digital financial solutions.
This is something that other financial institutions struggle to provide. EstateGuru has offered its investors a stable EstateGuru was created as a result of the last financial crisis when a group of real estate experts from Estonia had an idea.
What if they broke down the barriers ensuring that investing in secured property loans was only available to the wealthy and well-connected?
In EstateGuru was born. Our service is used by both institutional and retail investors across the globe to build diversified investment portfolios and gain access to one of the safest asset classes - real estate backed loans.
At all times, continuous liquidity and flexible funding is vital for all businesses. Therefore, EstateGuru and other alternative lenders are increasing their market share in property funding.
Market-leading returns - average historical annual return for platform's retail investors has been Successful cooperation with multiple institutional investors, most prominent being Varengold bank from Germany;.
This helps enable us to cost-efficiently expand our business to new markets using agile processes;. The success fees typically range between 2. Our current annual administration fee is in the range of 0.
This feature has great potential for those who are looking to withdraw money early from a loan they bought via EstateGuru.
There are a few hundred loans for sale on this market, and most of them are actually sold at a premium.
However, there are a few things you need to keep in mind when using the EstateGuru Secondary Market. In some ways, it may be better to look for new loan offerings, as the secondary market may be more expensive.
Buyers cannot sell their claims within 30 days from the purchase on the Secondary Market. Investments on the Secondary Market are not automated included in the auto invest feature, so you will have to sort through them if you are interested.
The platform is currently translated into six languages, which helps investors from other countries to access the site. The platform is also expanding in new territories to help diversification, and offer credit to new borrowers.
EstateGuru is a compelling option for P2P investors that want to create a short-duration loan portfolio that focuses on a limited geographic region.
The platform is easy to use, and it is pretty easy to qualify for the platform as an investor. The initial required investment is low, but there are some drawbacks to just depositing the minimum.
All of the questions should be answered within a few days. You can contact the EstateGuru support via email at info estateguru.
People can borrow at competitive rates from private investors, and circumvent the major banks. There has been a monopoly on lending for a long time, and this has created a situation that is making P2P lending very attractive for everyone involved.
It is important to remember that there are many ways to make debt-based investments, and P2P lending is only one of them.
The world of corporate bonds has seen a shock over the last few months, and there could be some good deals emerging in that space.
While market-wide downturns are rare, they do happen. When an economy is highly focused on a few sources of debt, a faltering global financial system can create chaos at every level.
The crisis in was an example of this, and it may happen again. In the event of a massive global sell-off, you will be happy that you have a well-diversified portfolio.
Always make sure that any debt or equity investment comes after your liquid investments, which are what ensures that there is always money to pay your bills.
You should have liquid capital to cover your living expenses for at least six months before you consider buying riskier investments.
EstateGuru is a legit European P2P lending company and has a longer track record than some of the other real estate P2P lending platforms.
It has been fairly safe for its investors so far and also delivers a high rate of return. Whenever you decide to invest your money, diversification is extremely important.
The vast majority of the loans on the platform are in the Baltic region, but there are plans to grow in the UK, Portugal, Ireland, and Spain, which is a positive development for investors.
Once we release a project to our investor pool, the funding round starts. As soon as a project is fully funded which can take as little as a few minutes the contracts are signed and the money is released to the loan applicant.
Our team of real estate investment experts personally investigate every loan application to ensure that each project we get involved with is viable, secure and represents a good investment.
Load money to your account, select your Auto Invest amounts per project and our technology takes care of the rest. Auto Invest is the best way to diversify your investment portfolio without spending hours on admin.
Clearly see your portfolio, account balance and opportunities and easily make new investments, withdrawals, and deposits.
You can take your EstateGuru account with you anywhere, on any device. Make sure you never miss a great investment opportunity with the ability to manage your dashboard on the go.
Getting in on the best deals is all about timing and knowledge, so we let you fine-tune the amount of information we send you down to the minutest detail.
I have been to Estonia and Latvia. Amazing people and both beautiful countries, but how do I know if a location is good or not for a real estate project?
BTW, I know that the best real estate projects may be in town centers, near hospitals, universities, big malls and airports.
One more reason why I invest on this website. Late loans are scarce and recovery is fast in most cases. One feature that I value a lot when investing in loans online is the chance of investing in loans on autopilot.
So if I invest less than I keep the auto-invest with limited powers and then I buy the rest of the loans manually.
A development loan is a loan used to develop real property. The property backed loan is used to release equity capital and increase the operating capital of the real estate company.
A short-term loan used to meet current obligations before securing permanent financing, enhancing value or also selling an asset.
EstateGuru only lends against the current value of the collateral not the future value. Can it happen that a certain stage loan that is not the first is just a loan that is helping to repay the previous one that is about to default?
Loans used for refinancing are separate and are called business loans with a subtype other — used for refinancing purposes.
This info is always brought out in the loan description as well. However, a refinancing loan is not done with the purpose of saving a defaulted loan — normally it is to give the borrower a little more time to ensure their business plans are fulfilled successfully.
If a loan is about to default and we see no perspective in saving it, then a refinancing loan is not something we practice these cases.
Risk level between the stages does not differ and the stage should not be the main indicator. Each project is worth to take a look and each criterion has to be analyzed separately.
There is no maximum stage number, it all depends on the project. The main risk evaluation is presented with LTV loan to value.
All stages of the loan are secured with the same collateral, hence the investors are all in the same position, no matter whether you have invested in the first or the last stage.
In my opinion, the numbers about their loans are good so far. More than loans were financed and new loans are added weekly.
Cash drag on EstateGuru is not a problem at the moment and money is invested quite fast. It is also not reasonable to compare it with the liquidity of P2P Lending tools since real estate deals are much bigger and complex than personal loans.
Here is a EstateGuru statistics table:. Latvia loans might have the best numbers so far, but more data is needed to draw conclusions.
Occasionally, a personal guarantee is acquired from the borrower which is an additional security for the investors. In the unlucky event of a total default, the property will be sold and EstateGuru with its lenders has the first rights.
Are there enough loans for me? Cash drag is a serious issue for some P2P lending platforms. EstateGuru is coping very well with this since the growth of the loans on offer is pairing with the grown of the investors.
Too many investors often ends up in some cash drag. Too many loans can bring to loans not reaching complete funding. The guarantees to which I am accustomed as a p2p investor here has a different form.
Here I have a property behind my loan that is solid stuff, potentially even more reliable than a small loan originator guarantee.
Auto invest does not conflict with manual investing. There is a way to filter out loans on this list on the top right corner: To invest in a loan is a matter of seconds, but I always spare some extra time to go through the details, acknowledge about the collateral, perform a web search with the name of the business, check the registers and then proceed.
It would be suspicious for me if, for example, the borrowers were the same 3 or 4 refinancing their loans in a loop. Here is an example of a typical loan I can partecipate on EstateGuru: An appraisal report of the collateral is available to download but it can be in foreign languages.
However, the main information from the valuation report valuator, collateral value, property details are presented in the loan description separately as well.
Once I decide the loan is right for me, I write the amount, in euros, I want to invest and then I review and confirm the operation.
Real estate investing can be risky but what I like to do is to take all the measures to make it safer. So, yes, safer investing is possible even here on EstateGuru.
EstateGuru is a large company with critical mass born in The advantage here is that loans are all property-backed , but for me is not enough and I want also avoid the remote chance of waiting for the collection.
It means that theloan amount is smaller compared to the value of the same loan collateral. One more smart thing to do is not be overexposed on few loans, but invest in more loans of different types in different countries.
Most loans are in Estonia, but I find it great to diversificate on all countries whenever I can. Interest rate is not that important because in any case, it is very high, so I will overweight diversification over maximum yield.
Where are the loans? Most of them have a background in real estate and banking. They have teams in 3 countries including the UK.
I met a few of them at the P2P conference in Riga and I was impressed.