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.
€840,132,225
Total amount 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
|
€ 528,716,367 72.40 % |
|
Funded
|
€ 87,082,986 11.92 % |
|
In recovery
|
€ 57,257,384 7.84 % |
|
Recovered
|
€ 40,340,822 5.52 % |
|
Delayed
|
€ 8,590,707 1.18 % |
|
Partially recovered outstanding amount
|
€ 6,824,626 0.93 % |
|
Partially recovered repaid amount
|
€ 1,395,756 0.19 % |
|
Written Off
|
€ 103,087 0.01 % |
Total recovered amount
Average return of recovered loans
Average term from default to recovered
Recovered rate (portfolio)
Total written off
Monthly loan repayment amounts
Historical loans by country
Estonia
|
€359,629,825 42.81% |
Lithuania
|
€156,844,832 18.67% |
Latvia
|
€114,728,288 13.66% |
Germany
|
€103,807,532 12.36% |
Finland
|
€93,379,148 11.11% |
Portugal
|
€5,850,000 0.70% |
Spain
|
€4,164,200 0.50% |
Sweden
|
€1,750,000 0.21% |
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 | Delayed | In recovery | Partially recovered | Written Off | Recovered | Partially repaid | Repaid | Actual return* | |
|---|---|---|---|---|---|---|---|---|---|---|
| 2024 |
€61,944,578
673
Loans
|
€44,467,282
503
Loans
|
€4,242,007
59
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€1,409,412
71
Loans
|
€11,825,877
111
Loans
|
9.91%
|
| 2023 |
€99,357,269
1,313
Loans
|
€29,327,184
400
Loans
|
€3,511,149
39
Loans
|
€3,640,693
63
Loans
|
€987,424
25
Loans
|
€0
0
Loan
|
€2,283,213
34
Loans
|
€6,555,312
177
Loans
|
€53,052,294
765
Loans
|
9.47%
|
| 2022 |
€183,004,568
1,769
Loans
|
€11,591,395
172
Loans
|
€631,752
6
Loans
|
€49,326,656
331
Loans
|
€2,329,031
45
Loans
|
€0
0
Loan
|
€8,773,764
100
Loans
|
€6,880,553
140
Loans
|
€103,471,416
1,136
Loans
|
9.06%
|
| 2021 |
€202,797,652
1,072
Loans
|
€3,456,124
19
Loans
|
€205,800
1
Loan
|
€72,965,682
177
Loans
|
€5,240,918
33
Loans
|
€62,966
1
Loan
|
€6,296,546
29
Loans
|
€4,412,599
48
Loans
|
€110,058,218
819
Loans
|
9.90%
|
| 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.
EU Regulations require publishing of a default rate calculated as follows: the number of loans that defaulted over the course of the year divided by the number of non-defaulted loans at 1 Jan of that year. The current figure is for the year 2023.
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
|
€346,817,694 41.28% |
|
Bridge loan
|
€342,235,839 40.73% |
|
Business loan
|
€151,100,292 17.98% |
Collateral types
Each Estateguru investment opportunity is backed by real estate. We are currently holding €487,777,799 in collaterals, of which 97.97% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.
|
Residential
|
€469,480,631 55.88% |
|
Land and buildings under construction
|
€209,164,150 24.90% |
|
Commercial
|
€161,509,044 19.22% |