Estateguru historical statistics
Since founding Estateguru in 2014, we've helped property developers all over Europe borrow money quickly and easily, giving them access to reliable capital when they need it most. In parallel, our investors have earned market-leading returns on short-term property-backed loans.
€768,786,288
Total loans funded
Average loan to value (LTV)
Number of loans funded
Average loan size
Historical return
Average loan term of issued loans
Average loan term of repaid loans
Loan portfolio
Our loan portfolio shows great historic stability and steady growth, while the recovery data and default rates remain industry-leading.
|
Repaid
|
€439,821,738 58.91 % |
|
In Default
|
€127,421,841 17.07 % |
|
Funded
|
€122,652,278 16.43 % |
|
Fully Recovered
|
€37,528,961 5.03 % |
|
Partially recovered outstanding amount
|
€9,252,785 1.24 % |
|
Late
|
€8,238,905 1.10 % |
|
Partially recovered repaid amount
|
€1,698,949 0.23 % |
|
Written Off
|
€40,121 0.01 % |
Total recovered amount
Average return of fully recovered loans
Average term from default to fully recovered
Fully recovered rate (portfolio)
Total written off
Historical default
Monthly loan repayment amounts
Historical loans by country
Estonia
|
€327,945,370 42.66% |
Lithuania
|
€140,709,689 18.30% |
Germany
|
€103,807,532 13.50% |
Latvia
|
€99,906,703 13.00% |
Finland
|
€86,119,759 11.20% |
Portugal
|
€4,383,035 0.57% |
Spain
|
€4,164,200 0.54% |
Sweden
|
€1,750,000 0.23% |
Historical performance
Loan funded amount is shown as a total cumulative number as of 31 December of the corresponding year. All other numbers are shown as current and are subject to change as repayments and recoveries occur.
| Loans funded | Outstanding loans | Late | Default | Partially recovered | Written Off | Fully recovered | Partially repaid | Repaid | Actual return* | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2023 |
€89,955,910
1,233
Loans
|
€68,524,306
962
Loans
|
€3,684,005
55
Loans
|
€2,135,897
42
Loans
|
€164,413
4
Loans
|
€0
0
Loan
|
€122,860
3
Loans
|
€5,401,170
242
Loans
|
€9,923,259
167
Loans
|
9.71%
|
| 2022 |
€183,004,568
1,769
Loans
|
€43,046,482
556
Loans
|
€3,019,768
41
Loans
|
€45,035,270
301
Loans
|
€2,078,802
25
Loans
|
€0
0
Loan
|
€5,267,262
48
Loans
|
€12,618,948
243
Loans
|
€71,938,036
798
Loans
|
9.00%
|
| 2021 |
€202,797,652
1,072
Loans
|
€11,081,490
82
Loans
|
€1,535,132
7
Loans
|
€71,536,702
170
Loans
|
€5,752,328
35
Loans
|
€0
0
Loan
|
€4,381,740
17
Loans
|
€7,407,542
75
Loans
|
€101,003,918
763
Loans
|
10.03%
|
| 2020 |
€120,305,673
824
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€8,334,472
21
Loans
|
€190,845
3
Loans
|
€0
0
Loan
|
€10,861,483
45
Loans
|
€347,155
5
Loans
|
€100,571,718
754
Loans
|
10.86%
|
| 2019 |
€80,370,394
583
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€250,000
4
Loans
|
€874,368
8
Loans
|
€0
0
Loan
|
€7,175,602
48
Loans
|
€478,852
8
Loans
|
€71,591,573
525
Loans
|
11.00%
|
| 2018 |
€53,004,608
354
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€129,500
3
Loans
|
€192,030
5
Loans
|
€28,280
1
Loan
|
€5,857,419
36
Loans
|
€364,970
5
Loans
|
€46,432,438
311
Loans
|
11.27%
|
| 2017 |
€22,992,923
147
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€11,840
1
Loan
|
€3,428,164
21
Loans
|
€0
0
Loan
|
€19,552,927
126
Loans
|
11.08%
|
| 2016 |
€11,932,010
77
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€210,431
2
Loans
|
€0
0
Loan
|
€11,721,581
76
Loans
|
11.55%
|
| 2015 |
€4,403,450
23
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€224,000
1
Loan
|
€0
0
Loan
|
€4,179,450
22
Loans
|
13.91%
|
| 2014 |
€19,100
1
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€19,100
1
Loan
|
11.79%
|
*Actual Return is calculated as weighted average of the returns of the repaid loans in that origination year (Vintage). The return is calculated with the given formula. Actual return of the loan: ActualReturn = ( (MonthlyIncomeAmount - WrittenOffAmount) / LoanActualDays) * 365) /(InitialPrincipalSum + WrittenOffAmount) *100 MonthlyIncomeAmount - The total amount of all the BONUS+INDEMNITY+PENALTY+INTEREST payments. WrittenOffAmount - The total sum of any PRINCIPAL write offs. LoanActualDays - The number of days between the loan start date and the loan end date (the date when the loan was repaid) InitialPrincipalSum - The amount of PRINCIPAL invested into the loan during investment.
What are loans used for?
We offer three types of short-term loans, each serving a specific niche need for our borrowers. Investors can choose which loan types they wish to support.
|
Development loan
|
€321,353,642 41.80% |
|
Bridge loan
|
€304,754,708 39.64% |
|
Business loan
|
€142,677,938 18.56% |
Collateral types
Each Estateguru investment opportunity is backed by real estate. We are currently holding €516,991,318 in collaterals, of which 97.88% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.
|
Residential
|
€427,520,465 55.61% |
|
Land and buildings under construction
|
€188,143,967 24.47% |
|
Commercial
|
€153,121,856 19.92% |