- Real Estate Crowdfunding
- Many projects available
- Up to 12% of annual return
My return on investment
My total deposit on EstateGuru: 900 EUR
2019 – My return on investment: + 2,27%
- February: + 1,43%
- January: + 0,84%
2018 – My return on investment: + 8,03%
- December: + 0,89%
- November: + 0,83%
- October: + 0,85%
- September: + 0,73%
- August: + 0,68%
- July: + 0,69%
- June: + 1,10%
- May: + 0,88%
- April: + 0,58%
- March: (started stracking) + 0,79%
Comments on the performance (Update: February 2019)
I first invested 300 EUR in February 2018. Then I deposited 400 EUR in March 2018 and finally 200 EUR in October 2018. I plan to invest even more.
I decided to invest in EstateGuru to diversify my portfolio, and I’m satisfied about the performance that I’m obtaining (+8,03% in the latest 10 months of 2018). Investing on EstateGuru we receive a lower return compared to the one that we could obtain investing in P2P lending platform, but I think that diversification is one of the most important characteristic for a portfolio.
How to add funds
Remember that in order to register on EstateGuru you must be 18 or older. You will need to provide an identification document (ID card/passport). As you can see from the image below, once you are registered you can deposit through Bank Transfer or LHV Bank Link. Money will be available on your balance within 2 or 3 working days.
You can invest from european countries and Switzerland, Liechtenstein, Norway and Iceland.
My advice is to set up, as soon as possibile, the Auto-Invest function, that automatically invest your money in loans that satisfies the conditions you impose at the time of setup.
Below you can see an example of Auto-Invest setup. I imposed, just for example, to invest on investment with a period up to 12 months and type Full Bullet (you will get your entire principal amount at the end of the loan). You should choose your setup according to your objectives.
I suggest you to invest in many different projects and loans, in order to diversify your portfolio and reduce the risk. I personally prefer to invest on Bullet loan.
We also have the possibility to use the Advanced Settings on the Auto-Invest function, but in order to use it we need to invest at least 250 EUR per loan.
The minimum investment on a single loan is 50 EUR.
The range of interest offered by EstateGuru is 9% to 12%.
Loans are not covered by the BuyBack Guarantee. Howewer, at the moment the defaulted loans are 0% of the total loans.
EstateGuru do not act as Tax Substitute. This means that we receive the total gross profit from our investments and we will have to pay taxes on this profit (in Italy the tax rate is 26%).
At the moment is not available the Secondary Market, that would allows investors to sell other investors their investments before they reach their maturity.
EstateGuru provides many information about loans:
- LTV % – Loan To Value (ratio between the loan and the value of the asset purchased)
- Bullet/Full Bullet
- Collateral Value
- Mortgage Rank
- Loan Type
- Loan Period
You can find all the information in the page of every loan. Always check them before investing.
Loans on the platform
Below I insert examples of the Loans that are available on EstateGuru. As you can see, the interest rate offered is 9 to 12%. The availability of loans is very high.
This is a part of my portfolio. The first four loans have reached their maturity, and you can read the Actual Return I obtained from each one of them (minimum: 10.43%, maximum: 11.50%). Then we have the open investment, and all the information about them (Next payment amount, Period left, Interest Rate %, Initial Principal, Principal Repaid, Revenue Earned).
Finally, EstateGuru provides the investor these useful graphs,that gives us a clear idea about the composition of our portfolio. The first one tells us in which countries we invested our money. The second one classifies our portfolio considering the Mortgage Rank. The last one tells us in which type of loans we invested.
If you don’t understand the meaning of one or more terms, I wrote an article that explain all the terms that I use. Check it out clicking here.