Estateguru Review: ⭕️ +10,2% My 19,386€ Experience (is it safe?)

Estateguru Crowdfunding Review
4.8
(2158)

This is my Estateguru Review based on my direct experience on the platform.

Thinking of investing in real estate online, from your computer? Well, I did it and it worked.

I’ve also made a global summary of what investors think about this tool.


What is EstateGuru?

EstateGuru Crowdfunding is a marketplace for short-term, property-backed loans. It was funded in 2013 in Tallin, Estonia, and since then It has funded 638 M€ in loans.

On Estateguru property developers can borrow funds from international investor and investors can invest in secured property loans.

Thinghs to know:

  • Estateguru is one of the oldest and largest property crowdlending websites in Europe.
  • Estateguru performance was excellent until 2022, then some loan defaults happened
  • The wise investor can still be extremely profitable on Estateguru by selecting the best loans beforehand.

Estateguru in short:

  • Where is it: Estonia
  • Birth: 2013
  • Pricing: Free to register + 0,5% on transactions
  • Currency: €
  • Minimum investment per loan: 50€
  • Interest: 7,5% – 13%
  • Loan duration: 1 year on average
  • Secondary market: Active (2% fee)
  • Guarantee: Property backed
  • Auto-invest feature: yes 
  • Minimum investment per loan: 50€

❗️EstateGuru Reviews on Trustpilot

73% of Estateguru users who have left a comment on Estateguru on Trustpilot wrote: it is “excellent” and that they are satisfied with the service.  14% of reviewers consider Estateguru to be “very good”.
Only 5% of people who have left a review on Estateguru say it is “bad”.
So I went to read all the negative opinions about Estateguru and here I report what I found.

Estateguru reviews Trustpilot
This is a screenshot from the opinion website Trustpilot that collects users opinions on Estateguru real estate.

Pros and Cons of Estateguru

Before investing with Estateguru, it’s important to understand:

  • advantages and disadvantages
  • promised returns Vs reality
  • real risks of the platform

On the Estateguru website you could read: “Earn up to 12% on property backed loans”.

This is exactly what it is: the average return of the Estateguru loans, not a guarantee return for the money invested.

The more realistic picture is around 9% return per year, or at least, this is what I was able to get so far.

Pros of investing with Estateguru are:

  • very easy-to-use platform
  • auto investment feature
  • secondary market for early exit
  • high historical returns (up to 12%)
  • decent performance until 2022
  • no data breach recorded

Cons of investing with Estateguru:

  • Geographical diversification still limited
  • It is subject to the typical risks of real estate crowdfunding
  • The recovery of the late loans is currently slower compared to the past

Even if the average user is happy, there are some who were heavy on German loans in 2022 and they are suffering temporary losses.

Are there users who reported Estateguru negative feedbacks?

Let’s find out.


Estateguru Bad Reviews

90% of the bad reviews EstateGuru gets on Trustpilot are from users that have failed to comply with the KYC (know your customer regulation).

From my experience I can say that it is not at all difficult to fill in the KYC questionnaire correctly.
Another defect that is raised by some users is that the site is sometimes slow. This is quite true sometimes.

I am happy to show you my own portfolio with very few late and defaulted loans:

my portfolio Estateguru screenshot
I am happy of my Estateguru performance so far and the way I pick loans is working properly in terms of safety

Estateguru Reddit reviews

Most Redditors consider Estateguru an interesting investing tool.

estate guru review opinion revenueland

Most discussions are about “is it too good to be true”?

12% returns make one suspect that this is not possible. In fact, the risks are those typical of an investment of this type.


Estateguru comments on financial forums

Estateguru is mentioned in many investment-specific forums.
The people who write on these forums are often experts who offer opinions as advanced users.
The opinions of these users are generally good but they often focus on specific aspects which are not of much interest to users who are deciding whether to start investing with Estateguru.
Often on forums people compare Estateguru with the big real estate crowdfunding platforms in the UK.


⭕️ Benefits of using EstateGuru

The main advantage of using the real estate crowdfunding are the high interest rates in relation to a reasonable risk.

Returns on Estateguru

EstateGuru average return for investors is 12,04% yearly [for the last 8 years].

This is not bad from an investor point of view for property backed loans.

stats-estateguru
173.000 investors (2022) and growing.

Indeed, there are other platforms with high rates but not yet as established as Estateguru.

Track record

Estateguru was born in 2013 and has a loan book of more than 2000 real estate loans. The track record is quite clean and most loans have been successfully repaid during the years.

Why to invest on Estateguru?

So what pushed me towards EstateGuru was not only the will to know it better and write a review about it.

I wanted to invest in real estate in crowdfunding and I wasn’t able to find the right platform to do it.


How to invest on EstateGuru?

Here is how do I invest on Estateguru here and get the best loans step-by-step.

How to setup estetguru revenueland

There are two ways of investing in loans on Estateguru

  • Manual investing
  • Auto Invest setting

🔴 How to setup the Estateguru Auto invest©️

The Estateguru Autoinvest is the only way to automate the investment process and buy loans without any manual intervention.

There are two levels of auto invest:

  • It is possible to buy loans fractions for 50€

Here are my settings.

Beware that they don’t differ much if not for the minimum investment allowed.

estateguru autoinvest setup

As you can see I value safety and diversification over maximum returns.

  • Repaiment period ➡️  max 60 months
  • Refinancing loans? ➡️ No thanks
  • LTV? ➡️ Up to 65-70%
  • Interest rate? ➡️ +8% is reasonable

How to invest manually on Estateguru©️

  • Everytime a new loan is published on the website, I can receive an email.
  • It the mail I find most of the details about the loan and an image.
  • If I open the email I get to the website and I can examine the project .

What are the most important things I check on a new loan?

How do I decide if to invest or not?

Here is my workflow:

Open the email wishing two days after receiving. Good loans get funded soon. Especially small ones.

project on Estateguru crowdfunding

How to get the best Estateguru loans?

The first things I check are:

  • Country (I try to diversify on more contries when possible)
  • Type of loan (I prefer bridge and development most to the times)
  • LTV (Loan to Value, the lower the better)

If it looks interesting I click on it and I visit the website.

Here is how a new project looks on Estateguru:

Estateguru opinions loan

The things I check on a real estate project are:

  • Borrower (I prefer borrowers that have already lended money successfully on Estateguru, or older businesses when possible)
  • Location (I prefer loans in town centers or nearby)
  • Description (I prefer projects that are no for purpose of refinancing previous loans)
  • Schedule type (Bullet and annuity loans are the best)
  • Stages (In my opinion late stages can be safer, but there is no proof yet)
  • Collateral (I avoid land)

How to find out the location of a Estateguru loan?

location-estateguru-loans-2

I have been to Estonia and Latvia. Amazing people and both beautiful countries, but how do I know if a location is good or not for a real estate project?

Easy answer: I can’t.

I have to trust the Estateguru team that so far has been doing a great job.

BTW, I know that the best real estate projects may be in town centers, near hospitals, universities, big malls and airports.

To check if the location is good for me I click on the map tab on the bottom right, the way I do in the above image.

A Google Maps image is shown.

I want more.

I click on  ❐ “enlarge” and I get a full screen view of the location.

Now I select ↖️ “satellite” view and I can see if the project is in the middle of the woods, near strategic places or in city centers:

tallin-estateguru-loan

95% of Estateguru loans are repaid perfectly on time, so these are very advanced settings and most investors do not need to worry about it.

Even late loans are  recovered within few months on average.

One more reason why I invest on this website.

 


Which are the best Estateguru loans©️

My goal is to avoid the less performing, even if I have proof that it doesn’t make a big difference. Late loans are scarce and recovery is fast in most cases.

I’ve studied the loan book, the public statistics, plus what’s on sale on the secondary market.

Here is what I’ve found out.

  • The least performing loans in Estonia are the Business loans type. 8 loans are late now out of 493 outstanding.
  • The least performing loan type in Finland are the business loans. 2 loans are late now out of 29 outstanding.
  • The least performing loan type in Lithuania are the development loans. 4 loans are late now out of 99 outstanding.
  • The least performing loan type in Latvia are the business/bridge loans. 5 loans are late now out of 181 outstanding.

2,8% of all loans is defaulted and on its way to be recovered.

The data above is getting old and I promise to update it soon.


Secondary market estateguru (How to sell loans)©️

The secondary market on Estateguru is improving day by day.

Since investors can sell their loans applying a discount up to 10%, there might be nice deals around…

Here is one of the possible estate guru secondary market search settings:

estateguru-secondary-market-search

How did I start on Estateguru?

My first time workflow on Estateguru was:

  1. I visited their website
  2. Collected information
  3. Wrote them some email to find out more
  4. Checked the team professional profiles
  5. Checked the old statistics

And then:

  1. Decided it was right for me
  2. I got verified
  3. Transferred the capital I wanted to invest
  4. Activated the Autoinvest and also bought loans manually
  5. Added more capital

Today,  I cash in the interests and sometimes I keep buying new loans (also) manually.


🔦 Worst things on EstateGuru

Estateguru pros and Cons

There are two things that may be improved.

  • Autoinvest should not be limited
  • Projects should be in many more countries

Geographical limitation

The second thing “I won’t call home about” concerning this tool is the low Geographic diversification.

The loans available are distributed in 7 countries which seems ok.

But..

But the reality is not so diversified.

At today, 60% of the outstanding loans are originated in Estonia and Latvia.

Only approximately 40% of loans are from borrowers in:

  • Finland
  • Germany
  • Portugal
  • Spain
  • Lithuania
  • Spain
  • Sweden

⚠️ Due to bad statistics, I avoid German, Finnish and Lithuanian loans. This is something that changes over time.


Collateral effect of the limited auto invest on Estateguru

Manual loan picking

Honestly, I like to pick out loans here.

I keep the auto-invest with limited powers and then I buy the rest of the loans manually.


Know what you buy – EstateGuru loans definitions

(This section is more suitable for advanced investors, skip down to “how to use” if you feel falling asleep while reading…) There are only 3 loan types here:

  • Development loans

A development loan is a loan used to develop real property. It may also include excavation, infrastructure such as storm sewers and roads, and the holding costs of the property.

  • Business loans

The property backed loan is used to release equity capital and increase the operating capital of the real estate company.

  • Bridge loans

A short-term loan used to meet current obligations before securing permanent financing, enhancing value or also selling an asset.

estateguru-best-loans
Here is an example of the 3 classes of loans available

 

🎥 Video Estateguru Crowdfunding on YouTube 

Here is a recent video where it is clearly explained how it works and what are the advantages on Estateguru.

Video of how it works Estateguru on Youtube:

How EstateGuru Works?

This is a video on Estateguru how it works.


🔎 EstateGuru default

In my opinion, the numbers about their loans are good so far. More than 800 loans were financed and new loans are added weekly. Cash drag on EstateGuru is not a problem at the moment and money is invested quite fast. It is also not reasonable to compare it with the liquidity of P2P Lending tools since real estate deals are much bigger and complex than personal loans. Here is a EstateGuru statistics table:

real estate crowdfunding statistics and defaults
Funded and repaid loans are all included in this data table (old data)

From this data, I’d say it is rather safe (for my risk appetite) investing in most of these loans. Latvia loans might have the best numbers so far, but more data is needed to draw conclusions.

Occasionally, a personal guarantee is acquired from the borrower which is an additional security for the investors. In the unlucky event of a total default, the property will be sold and EstateGuru with its lenders has the first rights.

estateguru-growth

Are there enough loans for me? Cash drag is a serious issue for some P2P lending platforms. EstateGuru is coping very well with this since the growth of the loans on offer is pairing with the grown of the investors. Too many investors often ends up in some cash drag. Too many loans can bring to loans not reaching complete funding.

EstateGuru Statistics
The last number is the most significant. The team is proactively recovering late loans.

Note: in the past months real estate market is experiencing a bad period. Inflation and geopolitical challenges in the Baltics have impacted some Estateguru loans, especially in Lithuania, Germany and Finland.

I managed to protect my portfolio by avoiding most loans from these countries and by sticking to the common sense rules I wrote about above.


EstateGuru tutorial 🛠  How to filter loans The primary market?

The most asked question is: Can I use auto-invest but also spot and buy loans by myself?

Yes.

Auto invest does not conflict with manual investing. When I want to  participate in a loan it is enough that I head to the “primary market” section:

estateguru loans manually
This is inside EstateGuru loans list. Scrolling down we can see all previously funded loans. No secrets and full transparency. I like this.
choose loans on estateguru revenueland

There is a way to filter out loans on this list on the top right corner: To invest in a loan is a matter of seconds, but I always spare some extra time to go through the details, acknowledge about the collateral, perform a web search with the name of the business, check the registers and then proceed.

To be honest I haven’t found any suspicious thing so far with any of the projects I was involved. It would be suspicious for me if, for example, the borrowers were the same 3 or 4 refinancing their loans in a loop.

how to use estateguru

Here is an example of a typical loan I can partecipate on EstateGuru: An appraisal report of the collateral is available to download but it can be in foreign languages. However, the main information from the valuation report (valuator, collateral value, property details) are presented in the loan description separately as well.

Once I decide the loan is right for me, I write the amount, in euros, I want to invest and then I review and confirm the operation. When the loan is fully invested it goes into the next steps but from now on, I don’t have to worry much about it.

If a loan does not get funded the money is given back immediately to investors.


🛡 Is EstateGuru safe?

Is EstateGuru safe?
There are not safe investments in this world Click To Tweet

Real estate investing can be risky but what I like to do is to take all the measures to make it safer.

So, yes, safer investing is possible even here on EstateGuru. EstateGuru is a large company with critical mass born in 2013.

⚠️ I never forget that Estateguru loans can default, get delayed and experience issues.

EstateGuru is currently holding €145,596,978 in collateral.

The advantage here is that loans are all property-backed, but for me is not enough and I want also avoid the remote chance of waiting for the collection.

The main number I check to make safer investments on EstateGuru is LTV.

The lower the better.

It means that theloan amount is smaller compared to the value of the same loan collateral. This means that there is a higher “buffer” on top of the loan amount, should the collateral property be sold.

One more smart thing to do is not be overexposed on few loans, but invest in more loans of different types in different countries. Most loans are in Estonia, but I find it great to diversificate on all countries whenever I can.

Interest rate is not that important because in any case, it is very high, so I will overweight diversification over maximum yield. The total default rate on the platform from all loans is: 2,5% and picking out my loans carefully I aim to lower this percentage even more.

So far I have zero late loans on this website.

default-rate-estateguru
These figures include the total issued EG loans (data above needs update)

Question about safety on EstateGuru: What is the maximum Loan to Value? EG only offers ‘conservative’ loans. 

All loans are secured by physical assets at a maximum LTV ratio of 75%, and an average of 58%.

This gives a substantial cushion of at least 42% should the value of the property fall. Lately I noticed an average LTV higher than usual, but never above 70%.

estateguru-default-rete
These figures do not include repaid loans

estateguru-loans-country

Where are the loans? Geographic diversification is improving and there are 7 countries so far: I’ve also spotted loans in Portugal and Germany lately.


Who are the people behind it?

who works at estateguru
This is the team estateguru, the fifth from the left is the CEO.

On the “about us” page there are details about them, an email button and a working link to their LinkedIn account. Most of them have a background in real estate and banking. They have teams in 3 countries including the UK.

I met a few of them at the P2P conference in Riga and I was impressed. They don’t avoid answering questions and they seem to be a team focused on making it work.

Lately I had the chance of asking a few direct questions to the COO Mhikel (the third on the right). It’s a cool interview with the questions an average investor would ask.


🔓 Who can invest with EstateGuru?

  1. Are you at least 18 years old?
  2. Do you have a bank account in any of the EEA member states or in Switzerland?
Well, you can lend through EstateGuru.
You will be asked for an ID document to start investing.
 
 

How much to invest in real estate crowdfunding like EstateGuru?

Diversification is important, so I never invest more of 50% of my assets in P2P lending and real estate crowdfunding.

On average, 50% invested this way is already a really high portfolio share for any ordinary investor with an ordinary risk appetite. Real estate crowdfunding is very rewarding, I love it, but it is not 100% risk-free. I’d try to use more websites for RE crowdfunding. Another one that I like is Crowdestate (14% average return on the past 163 projects). Reinvest24 offers a different formula (equity crowdfunding) for long term investors.


EstateGuru for beginners?

I don’t give investment advice.  This is at the base of this blog. I freely share what I do because I know a lot of people struggle to find a balanced and informed way to invest in autonomy.

If I should take into account the ease of use, EstateGuru is one of the best websites I’ve interacted with, so far.

I found very easy to transfer money, to get verified and to invest in loans. Should I evaluate customer service and investor relation, this aspect was also covered nicely. Subscribing is free and doesn’t bring any obligation to get verified immediately or to invest.


EstateGuru alternatives and competitors

The 5 most popular alternatives to EstateGuru (12%) are:

Amongst the non-real estate websites I find Robocash P2P a good investing platform to associate to this one (read the Robocash review).

estateguru p2p alternatives revenueland

Who is the “real estate guru” platform in Europe?

CrowdEstate Vs EstateGuru

CrowdEstate is small but fast-growing in 3 countries and offers very high yields. It may be a more aggressive alternative / complementary choice to EG.

It is important to note that aside from the secured loans, Crowdestate’s range of loan types is higher and they also offer unsecured loans and loans that are secured with other securities, other than real estate.

Hence, the difference in returns. I had the pleasure to meet some of the staff, they made quite an impression on me.

Housers Vs EstateGuru

Housers is the most popular choice for sure. I don’t use Housers, I don’t like the statistics so far, some users complain about some defaults.

Yields are lower than 10% with a 10% performance charge. Normally I like to learn from others mistakes (like I successfully do with Bondora), here I don’t find a way to get a nice risk/reward ratio for my taste.

Bridgecrowd Vs EstateGuru

Bridgecrowd is a great tool, but it is in GBP and it is designed for large investors.

Real Estate crowdfunding

Now it’s your turn.

What is your opinion on Estateguru?

Write it in the comments.

Go to EstateGuru website to see the properties



Conclusions and Recap ⭐️⭐️⭐️⭐️⭐️

EstateGuru is one of my successful DIY investing tools with zero default so far.

11% interest on average per year with such a good transparency is ok for me.  

What I try to do is to compare the P2P tools and find out the best ones, then make good use of it without excess and controlling greed.

Now, forget about me and visit EstateGuru on your terms.

P.S. Have I missed something? What is your ESTATEGURU REVIEW?


Estateguru FAQs and dictionary

EstateGuru Vs. Crowdestate

Both powerful, old and profitable. Estateguru is very transparent and reliable. Crowdestate is a bit more exciting with some higher yield projects and proportional risk.

Estateguru Vs. Mintos

Mintos is bigger and popular. Estateguru allows diversification and it can be a good supplement to Mintos.

What is Estateguru default rate?

16% of the total number of loans issued. Recovery rate is quite high on Estateguru. Transparency about the projects and the collateral is also high.

Where can I get the 0,5% invitation code for Estateguru?

🛡 Using a safe promo code like EGU61231 after registration, Estateguru will add the 0,5% of what you invest to your account for the first 3 months. This is the link I used to register and get my extra 0,5%.

What is the difference between business, bridge and development,loan?

A short but complete explanation is here.

What is the difference between full bullet and bullet loans?

Bullet is better than Full bullet.
Full bullet schedule indicated that both interest and principal are being paid at the end of the loan. Bullet repayment means that interest is being paid periodically and principal amount is being paid at the end of the loan.

How is Estateguru doing on Trustpilot?

Estateguru reviews on Trustpilot are rather good. Most complains are about delayed payments that are quite normal in the real estate business.

How are loans secured on Estateguru?

All loans on offer are property backed. First rank mortgage is offered on 96% of the loans.

How safe is Estateguru?

Investing cannot be 100% but Estateguru is doing a good job to make real estate crowdfunding a bit safer. If a borrower does not repay the loan Estateguru may try to sell the collateral property and refund the investors.

How much does it cost to deposit money into my EstateGuru account?

EstateGuru deposits and withdrawals are free, but banks (and Trustly) may charge to transfer money.

How is my money invested on EstateGuru secured?

All the loans are backed with a mortgage.

What happens to my money if EstateGuru goes into bankruptcy?

EstateGuru is a facilitator of real estate investments.
All investment contracts are signed between the borrower and the investor, EstateGuru only facilitates this transaction. Client funds are separated from EstateGuru’s funds. Should EstateGuru go bankrupt, client funds can still be accessed.

Can it happen to see also refinancing loans in the list of loans or it now fits under other names?

Refinancing loans are categorized under business loans, and it is always shown in the project description when the loan is a refinancing.

After how long you declare a loan defaulted?

EstateGuru has the legal right to start preparing the documentation package for ending the loan contract after a periodic interest payment of a loan has been overdue for 45 days.

How often are interest paid to investors?

It depends on the repayment schedule. For bullet loans, its periodically (mostly each month). For full bullet loans, interest is paid at the end of the loan period.

What difference between loans “Funded” and “Fully invested”?

Funded means that the project has already been approved at the notary and investors start getting interest for it. If a project is fully invested, the borrower has 15 days + 10 working days extension (if necessary) to set up a security for the project.

What difference between “bullet” and “full bullet” Estateguru?

Bullet repayment schedule means that loan interest is being paid periodically and principal amount is being paid at the end of the loan period. Full bullet schedule indicated that both interest and principal are being paid at the end of the loan period.

How does EstateGuru make money?

Estateguru makes money out of commissions charged to developers and investors. In addition to this they also charge to sell loans on the secondary market.

Who owns EstateGuru?

EstateGuru is owned by the founders plus a 30% share in the hands of angel investors and private funds.

How secure is EstateGuru?

EstateGuru is legal and regulated by an official financial market institution.
Estateguru raised a red flag in Germany because its loans there experienced far too many defaults. The company is investigating.

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51 thoughts on “Estateguru Review: ⭕️ +10,2% My 19,386€ Experience (is it safe?)

  1. Horia Manole says:

    Hi,

    Thank you for your review.
    Do you know if there are plans to release a secondary market?

    Regards,
    Horia

  2. Horia Manole says:

    Thank you,

    I am in the process of doing research for choosing one of the RE P2P platforms, and so far I’m liking EstateGuru’s size and history. On the other hand, Flender’s bonus is no joke – that alone can add up to a half year’s worth of interest income, if I read correctly.

    Regards,
    Horia

  3. Loans says:

    Investing in loans is rather scary, let’s be honest, we don’t know these companies. Estateguru has a decent track record but I won’t go beyond 10k anyway for now

  4. Vladimir says:

    Great tips, it makes sense, unfortunately I am already done with my EG portfolio and I have a little of everything (auto invest active at 250€)

  5. Neville says:

    Followed your newsletter suggestions revenueland. Few business, few Estonian, yes first rank. I get 11% and only one late loan after 6 months. I’ll keep you updated

  6. Inversor says:

    thanks. I have 71 projects on Estateguru and only 2 are late following your indication. 11,73% return yearly. excellent

  7. Seb says:

    I am not so sure whether the “refinancing” option actually works properly.

    I have identified several business loans with sub-type ‘Other’ or ‘working capital’ in which the loan amounts are used to refinance another EstateGuru loan. Hence, financing the money owed to other EstateGuru investors.
    I dislike these type of loans but I cannot properly identify them via a filter in the auto-invest function and cannot deactivate business loans.
    Do you have an idea what to do (besides manual investing) and I would be curious what’s your opinion on these type of loans?
    Also they require 250€ min. investment before I can edit my search criteria.

    • True from Revenue Land says:

      Welcome Seb. The word “refinancing” is not the most beautiful word when we talk about loans. I also spotted a few of these but to be honest not many. Estateguru performance is good and also improving from last year but you (advanced investor) do the right thing picking only the best loans. I do the same and I proudly have zero late loans on EG. The EG auto-invest is very basic and there is no way to add complex filters yet. Yes, 250€ is still the min. Unfortunately there’s no way around. Manual investing is the way to go if you are “picky”. What I do is a mix of manual and ai. I normally prefer specific bridge and development loans and if you’ll give a second look to the table above you’ll find out more. BTW, I will update that table very soon with more data.

  8. Jay says:

    Hi guys,

    I do have a question relating to P2P Lending and Real Estate Crowdfunding when it comes down to doing taxes and such. I am new to this all, but this would be cleared up much more quick with guys like yourself, who have been around for a long time.

    The most plain question, where do you pay your taxes? You invest in for example Estonia, Spain, Finland, Romania, you name it – but where do you have to pay dividends and income tax? I might start investing on 4 platforms, EstateGuru, Crowdestate, Mintos and Bondora. I have saved a fair amount over the last 10 years, but never actually done something with it, rather than putting it in the bank. Doing so with these platforms, I probably will stop working, as even an average of 8.5% would be sufficient to live a decent life from.

    However, as I am nomadic, but don’t want to get in trouble, I just want to know where you guys do your taxes when investing? If I would start for instance an LLC in Bulgaria, which is a low tax country in Europe – the corporate tax (10%), dividend (5%) and income tax (10% flat) are all there.

    However, are there any duties to be paid in for instance Estonia, when the platform is registered there? Or if I have done my taxes, do I need to provide a statement to the platform in case something will backtrack them?

    Thanks a lot for the input!

    Jay

    • Sal from Revenue Land says:

      Hi Jay. Tax is delicate and subject to too many factors. It’s good to search for optimizations within the law in the way you want to do it.
      Let’s start at the bottom. From what I know there are no taxes to pay in countries where platforms are registered.
      If you are nomadic I might know a website that seems to share quite reliable information (write me).
      I wrote something shallow about digital nomads investing and taxation some time ago along with something more specific about p2p taxation in Europe.
      Don’t trust what I write and what you find on the web, every situation may need to be evaluated by a specialist.
      Moreover, the platforms you mentioned are among the best, but I would not invest 100% of my assets in P2P. It is safer diversify into more asset classes.

      • Jay says:

        Hi Sal, thanks for getting back to me. I just stumled upon your response actually. Is it not possible for the responses, to send out a push message to emails? I know my email is hidden here, which is a good thing – but I nearly missed out on your valuable info, without receiving a push message in my email that you had responded to my question.

        Could you please provide me with the website please? I have no idea how to write you other than here.. and as mentioned, I didn’t receive a push message in my email that there was a supply.

        I hope it’ll make my way! Thanks in advance :).

  9. Krista N. says:

    I am also adding money to Estateguru. During the recession that is about to come I feel much safer with property backed loans.

  10. Simon says:

    Great review.
    I’ll adjust my auto invest right today to the settings you explain.
    You are right, business loans are the most sensitives.
    God bless you for this information.

  11. Russian Investor says:

    Never buy refinancing loans if not protected by first rank mortgage. This is my 2 cent

  12. Drap says:

    Dear, you have the limits of the auto invest showed inverted. advanced auto invest start from 250. I know, because I have set it.

        • Sal from Revenue Land says:

          It is enough to avoid investing in German and Finnish loans to have a much lower delay/default rate.
          Moreover, when I invest in high interest loans I know well that there is risk.
          Risk and delays are part of the game.
          I understand your disappointment, but I believe you’d better avoid the crowdfunding industry and P2P lending if you can’t wait for late credits to be recovered.
          I consider Estateguru a long term investment platform because it is normal that a percentage of loans run into problems.
          Still, it is one of the best investments of my life after 7 years investing.

  13. Merrell says:

    The autoinvest minimum amount will be lowered from 250 to 50€ until February. I am testing it and very happy in general about EG. Great review BTW

  14. Socrates says:

    Estateguru is the worst crowdfunding platform ine Europe ! Too many defaults and lates projects. Don’t trust them, it’s all Fake like this positive review…

    • Sal from Revenue Land says:

      Socrates, I can’t agree with you.
      If you only had read this review before investing, you would have made better choices.
      It is enough to avoid investing in German and Finnish loans to have a much lower delay/default rate.
      Moreover, when I invest in high interest loans I know well that there is risk.
      Risk and delays are part of the game.
      I understand your disappointment, but I believe you’d better avoid the crowdfunding industry and P2P lending if you can’t wait for late credits to be recovered.
      I consider Estateguru a long term investment platform because it is normal that a percentage of loans run into problems.
      Still, it is one of the best investments of my life after 7 years investing.

        • Sal from Revenue Land says:

          I know some users are disappointed and that is mostly because they had lots of German loans. It is good to make sure we focus on the best performing loans. The German loans were too big and suspect form day 1, no surprise. So I understand and respect your disappointment but there are ways to make it very profitable and a bit safer.
          We all know these are high risk investment, that is why they pay good interests.

  15. Latestmodap says:

    This is an interesting article. I have been following your blog for a while and I think you have some great insights. Keep up the good work!

  16. Sebastian Mickle says:

    What do you think of their recently added policy and disclaimer that claims repeatedly that no matter how good the LTV (presumably even when a member of the board ensures the loan) the loan is a risk and could quite possibly return nothing back to the lender despite the efforts from the team to collect on collateral?
    In recent months i have seen my extremely diversified portofolio end up with 18 defaults originating in nearly every country they opperate in (the majority have fantasticly low LTV). That constitutes just over half of my investments, very curious how this will turn out and the reaslns behind it.

  17. Les says:

    How do you feel about investing in Stage loans? I’ve got a lot of cash drag and looking for a relative safe way to expand my auto invest strategy without incurring a lot of risk. Thanks

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