EstateGuru
Estonia · Immobiliare · Fondata 2014
Nostro punteggio
Rendimento medio
9,32%
media della piattaforma
Regolamentazione: ECSPR licence (Estonia)
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Il nostro giudizio
EstateGuru shows better than any other platform we cover what property collateral does and does not do. Every loan is secured by a mortgage, EUR 70 million of principal has been recovered from defaulted loans, and the platform kept publishing default and recovery data through its worst years. But by its own measure 27.45% of loans defaulted in 2023 and 20.14% in 2025, and loans in Germany and Finland are still being worked out years later, with properties selling at around half their valuations. Since 2023 it lends only in Estonia, Latvia and Lithuania, where it reports 97% of EUR 275 million lent as repaid or performing — but the lesson stands: a mortgage changes how a loss happens and how long it takes, it does not prevent one.
Leggi la nostra recensione completa di EstateGuruRegolamentazione, rendimenti, costi, rischi e il nostro verdetto, in dettaglio (in inglese).Cosa funziona
- Every loan secured by a mortgage held for investors by a separate collateral agent, most of them first-rank
- ECSPR crowdfunding licence from Finantsinspektsioon since 8 May 2023, on a platform operating since 2014
- Publishes yearly default rates, recovered amounts and recovery times, including the bad years
- Working secondary market for performing loans; the seller fee fell from 3% to 1% in November 2025
Cosa non funziona
- Default rates of 27.45% (2023), 13.45% (2024) and 20.14% (2025), counted by number of loans
- German and Finnish loans are in multi-year work-outs with acknowledged capital losses, and recovered loans averaged a 5.14% return against the 9.32% headline
- Defaulted loans sell only at a deep discount, if at all, and EG Grow loans cannot be sold, so money in a bad loan is locked until the property is sold
- More fees than before: a 0.083% monthly AUM fee, EUR 3 per withdrawal, 1% on secondary market sales and an inactivity fee
A chi si rivolge
Investors who want Baltic property-backed loans, check each loan's LTV and borrower themselves, and size the position for the chance that part of it is locked for a year or more.
Come si compone il punteggio
Come si calcola questo punteggioOgni dimensione è valutata da 0 a 10 su dati documentati, poi moltiplicata per il suo peso e sommata. Si arrotonda solo alla fine.
Dato tratto da: estateguru.co · 21 set 2026 · €966m lent; 160,133 active investors; 9.32% average historical return
Monitoraggio condizioni
Rileggiamo ogni giorno le condizioni pubbliche di questa piattaforma e registriamo ciò che cambia.
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