{"id":7318,"date":"2020-01-09T22:22:00","date_gmt":"2020-01-09T22:22:00","guid":{"rendered":"https:\/\/savingsforfreedom.com\/?p=7318"},"modified":"2020-07-18T22:21:29","modified_gmt":"2020-07-18T22:21:29","slug":"estateguru-platform-pros-cons","status":"publish","type":"post","link":"https:\/\/savingsforfreedom.com\/blog\/2020\/01\/09\/estateguru-platform-pros-cons\/","title":{"rendered":"Estateguru: Platform Pros and Cons"},"content":{"rendered":"\n<\/a>\n\n\n\n

EstateGuru is a online marketplace focused on real estate peer-to-peer lending. Founded in 2013 by Kaspar Kaljuvee<\/a>, Marek P\u00e4rtel<\/a> & Marko Arro<\/a>, EstateGuru facilities the financing of development loans, bridge loans, renovation loans and business loans based on real estate collateral in Baltic countries such as Estonia, Latvia, and Lithuania. In 2019 EstateGuru expanded operations to Finland, Germany, Portugal and Spain, but these deals represent a small part of the overall loan portfolio. <\/p>\n\n\n\n

EstateGuru is based in Tallinn, Estonia and is growing quickly as one of the largest real estate P2P investment platforms in Europe. All loans are backed by real estate collateral (with a average LTV below 60%) and EstateGuru has a good lending track record with investors achieving average returns over 12% to date.<\/p>\n\n\n\n

In 2020, EstateGuru launched a Seedrs equity crowdfunding campaign to raise capital for further expansion and growth.<\/p>\n\n\n\n

The risk profile of the loans can vary considerably and it is, as always recommend to perform a careful due diligence and selection before investing. EstateGuru is not a P2P platform that should be left alone through the use of the auto invest feature.<\/p>\n\n\n\n

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EstateGuru Platform Pros & Cons<\/h2>\n\n\n\n
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EstateGuru Pros<\/h2><\/div><\/div>
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EstateGuru Track Record<\/h4><\/div><\/div>
Since 2013, EstateGuru has a great loan performance and recovery record<\/div><\/div><\/div><\/div><\/div>\n\n\n\n
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Risk Assessment Info<\/h4><\/div><\/div>
High quality information is provided by EstateGuru on loans and collateral<\/div><\/div><\/div><\/div><\/div>\n\n\n\n
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Secured Loans & Collateral<\/h4><\/div><\/div>
All the loans are backed with a mortgage with LTVs around 60%<\/div><\/div><\/div><\/div><\/div>\n\n\n\n
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High Interest Rates<\/h4><\/div><\/div>
Typically between 10 and 14%<\/div><\/div><\/div><\/div><\/div>\n\n\n\n
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Platform Transparency<\/h4><\/div><\/div>
Annual financial reports and platforms statistics are shared regularly<\/div><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n
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EstateGuru Cons<\/h2><\/div><\/div>
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Auto Invest Tool<\/h4><\/div><\/div>
Investments over \u20ac250 per loan are required to unlock basic options<\/div><\/div><\/div><\/div><\/div>\n\n\n\n
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Limited Diversification<\/h4><\/div><\/div>
Takes time to build a large, diversified portfolio outside the Baltic countries<\/div><\/div><\/div><\/div><\/div>\n\n\n\n
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Secondary Market Fee<\/h4><\/div><\/div>
To sell your loans, you pay a 2% selling fee on EstateGuru secondary market<\/div><\/div><\/div><\/div><\/div>\n\n\n\n
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Withdraw Fee<\/h4><\/div><\/div>
Since June 2020, EstateGuru requires a \u20ac1 fee for withdrawns<\/div><\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n

You should be aware in EstateGuru there\u2019s no buyback guarantee. However, as presented above, the platform offers multiple reasons to trust and in reality EstateGuru is one of the best options<\/strong> to invest in real estate backed loans in Europe. The platform keeps growing and working to diversify their loans offers to additional countries. However, you must perform a adequate due diligence on each individual loan before investing. Loan risk if totally different from loan to loan, making it sometimes complex to build a risk diversified portfolio with small investment amounts. <\/p>\n\n\n\n

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Sign-Up Bonus<\/h4><\/div><\/div>
Earn 0.5% on all investments<\/strong> over the first 3 months in cashback<\/div><\/div>
EstateGuru Sign-Up Bonus
Thank you for supporting Savings4Freedom!<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n\n

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What to learn more about Estateguru?<\/h2>\n\n\n\n
\"EstateGuru<\/a>
Check all articles about Estateguru<\/figcaption><\/figure><\/div>\n\n\n\n
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EstateGuru Alternatives and Competitors<\/h2>\n\n\n\n
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\"Real<\/a><\/figure>\n<\/div>\n\n\n\n
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