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 is usually considered to be reliable and has proven to deliver returns.

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Rating

⭑⭑⭑⭑⭑
4.8
based on 5 ratings

Key Facts

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

Investments

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

Statistics

Average Net Return 9.97%
Total Loans Funded 571,753,828 EUR
Loans Outstanding 250,505,256 EUR
Loans Current 185,537,578 EUR
Loans Late 49,246,525 EUR
Loans 1 To 15 Days Late n/a
Loans 16 To 30 Days Late n/a
Loans 31 To 60 Days Late n/a
Loans 60 Plus Days Late n/a
Loans Defaulted (In Recovery) 14,026,808 EUR
Loans Defaulted (Recovered) 1,694,345 EUR
Loans Defaulted (Written Off) n/a
Investors 132,070
Average Amount Per Investor 5,545 EUR
Principal Returned 320,707,599 EUR
Interest Earned 44,864,694 EUR
Late Fees Earned n/a

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.

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