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.
€699,602,971
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
|
€364,959,717 53.21 % |
|
Funded
|
€155,551,943 22.68 % |
|
In Default
|
€99,952,976 14.57 % |
|
Late
|
€31,630,514 4.61 % |
|
Fully Recovered
|
€26,403,330 3.85 % |
|
Partially recovered outstanding amount
|
€6,013,057 0.88 % |
|
Partially recovered repaid amount
|
€1,395,906 0.20 % |
|
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
|
€291,163,327 41.62% |
Lithuania
|
€128,308,544 18.34% |
Germany
|
€103,807,532 14.84% |
Latvia
|
€89,444,994 12.79% |
Finland
|
€77,445,914 11.07% |
Spain
|
€4,164,200 0.60% |
Portugal
|
€3,518,460 0.50% |
Sweden
|
€1,750,000 0.25% |
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 |
€20,704,225
393
Loans
|
€20,347,049
386
Loans
|
€109,452
2
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€122,224
12
Loans
|
€113,000
4
Loans
|
8.41%
|
| 2022 |
€183,004,568
1,769
Loans
|
€102,915,250
1,164
Loans
|
€17,773,023
142
Loans
|
€29,252,244
149
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€398,800
2
Loans
|
€7,193,461
184
Loans
|
€25,471,790
307
Loans
|
8.60%
|
| 2021 |
€202,797,652
1,072
Loans
|
€31,858,939
220
Loans
|
€13,693,056
60
Loans
|
€61,034,274
124
Loans
|
€3,036,990
5
Loans
|
€0
0
Loan
|
€1,874,900
5
Loans
|
€5,640,793
69
Loans
|
€85,559,899
654
Loans
|
10.06%
|
| 2020 |
€120,305,673
824
Loans
|
€430,705
6
Loans
|
€54,983
1
Loan
|
€8,734,472
22
Loans
|
€1,695,005
2
Loans
|
€0
0
Loan
|
€8,656,500
41
Loans
|
€837,307
8
Loans
|
€99,896,701
749
Loans
|
10.96%
|
| 2019 |
€80,370,394
583
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€735,986
7
Loans
|
€1,070,698
10
Loans
|
€0
0
Loan
|
€6,039,616
43
Loans
|
€932,522
10
Loans
|
€71,591,573
525
Loans
|
11.03%
|
| 2018 |
€53,004,608
354
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€196,000
4
Loans
|
€192,030
5
Loans
|
€28,280
1
Loan
|
€5,790,919
35
Loans
|
€364,970
5
Loans
|
€46,432,438
311
Loans
|
11.28%
|
| 2017 |
€22,992,923
147
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€18,333
1
Loan
|
€11,840
1
Loan
|
€3,208,164
20
Loans
|
€201,667
1
Loan
|
€19,552,927
126
Loans
|
11.16%
|
| 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
|
€293,308,879 41.93% |
|
Bridge loan
|
€273,188,202 39.05% |
|
Business loan
|
€133,105,890 19.03% |
Collateral types
Each Estateguru investment opportunity is backed by real estate. We are currently holding €533,391,790 in collaterals, of which 97.85% is backed by a first-rank mortgage. This graph shows the types of collaterals as a proportion of the total.
|
Residential
|
€384,869,718 55.01% |
|
Land and buildings under construction
|
€168,767,755 24.12% |
|
Commercial
|
€145,965,498 20.86% |