EstateGuru Review

Description

EstateGuru offers real estate loans as an investment opportunity. Across Europe, investors can support the construction and maintenance of real estate projects while earning returns around 10%. The average Loan To Value ratio is 59%. EstateGuru is one of the most popular platforms for real estate investments among the p2p community. The platform until 2022 usually considered to be reliable and has proven to deliver returns. 🚩 However, the situation of defaulted loans is getting out of control! As of February, 2nd 2023, the default rate has reached 32.85%. There are more than 92 Mio € in recovery. Worst performing countries: 🇩🇪 Germany: 68,068,401€ (81.61%), 🇫🇮 Finland: 15,353,172€ (33.97%), 🇱🇹 Lithuania: 9,876,152€ (19.88%)

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Rating

⭑⭑⭑⭑ ⭒

4.1

based on 4 ratings

Key Facts

Investment Structures	Direct (peer-to-peer)
Originator Types	Peers
Investing Into	Real Estate
HQ Country	Estonia

Investments

Interest Rates	8.00% – 13.00%
Number of Originators	0
Number of Countries	7
Currencies	EUR
Minimum Investment	50 EUR

Statistics

Platform is sharing daily statistics data.

Average Net Annual Return

Total Loans Funded

Loans Outstanding

Loan Status

Loans Defaulted

Investors

Average Amount Per Investor

Earnings

Features

Auto-Invest	Available as: Automated Investment Strategies
In January 2022, EstateGuru replaced the former auto-Invest feature with automated investment strategies. Instead of requiring a minimum investment of 250€, the strategies work already with a minimum of 50€ per investment. There are two presets for the strategies: "conservative" and "balanced". They differ in the strength of collateral (Loan To Value), the selection of countries and other risk adjustments. For more advanced investors, EstateGuru now offers individual strategy configuration possiblities.
Manual-Invest	Available
Secondary Market	Available
The secondary market is available but needs to be consented and activated by the investor. There is currently a survey running whether the secondary market should be made available also for auto-invest.
Instant Cash-Out	Available as: Instant Exit Program
In October 2021, EstateGuru launched the instant exit programm. Next to the secondary market, investors can quickly liquidate their loans by returning them to EstateGuru. BE WARNED that a 35% discount is due to be taken from EstateGuru. In almost every case it would make more sense to sell a loan via the secondary market. Latest at high discounts of 10-15% you should find a buyer.

Risk & Security

Buyback Guarantee	Not available

Payment Guarantee	Not available

Rating System	Not available

Due Diligence	Available
EstateGuru has a due diligence process for every loan project. Each loan is secured with a mortgage. In case, the borrower cannot pay back the loan, the property would be seized.
Skin in the Game	Not available

Collaterals	Property, Inventory
Maximum Loan To Value (LTV)	75.00%

Sign Up Bonus

The investor gets 0,5% added to their account for investments during the first three months.

Disclosure

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