EstateGuru Review: Peer to Peer Lending
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by canythould43 . Updated: 1 year

Estateguru is a European global marketplace in which solvent companies come to request financing by providing real estate (apartments, villas, housing developments, plots ...) as a mortgage guarantee .
In Estateguru we can invest in two ways: manual and automatic (Autoinvest). Manual investment is the most common method on this platform: we will observe the available projects, analyze the parameters of the investment in the property and decide the amount to invest from 50 euros.
In platforms focused on real estate loans, generally with fewer loans and greater amount of them compared to other marketplaces, the option of self-investing to manage our portfolio is not critical as critical, although in the case of Estateguru, it will help us do not miss out on new investment opportunities.
Since September 2019 we finally have secondary market in Estateguru! , so that we can finally sell our shares to other users whenever we want and buy new operations at very interesting prices. Keep in mind that there is a 2% commission for sales in the secondary market (purchases have no commission).
My Current Results With Estateguru
My Current Results With Estateguru
My Current Results With Estateguru
The default rate has increased significantly when compared to the beginning of 2022, due to new defaults in Germany and Finland. German and Finnish default and late projects received the most attention last year.<br />With €11,8M produced in December. Estonia was the best performing market in terms of volume, in December (€5,3M), and also in 2022 overall (€69,2). Finland followed with €2,2M (€22,0M for the last two years), while Latvia produced €23,6M (annual growth of 19%) in 2022 and €2,0M in December. The Lithuanian yearly volume was the same at €34,5M (including €2,0M in December) and German origination dropped over two times to €33,7M (€0,2M in December)
During the first month of 2023, the platform saw €9,6M worth of funded projects. Estonia and Lithuania each accounted for 1/3 of the total volume, followed by Latvia and Finland. No new projects are being introduced in Germany for the time being, while Estateguru put all focus on recoveries. <br /><br />Repayments were at €7,8M. ¡The average return was 8,0%, with a total of 46 loans (including stage loans) repaid.