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.
€717,889,443
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
|
€379,412,993 54.14 % |
|
Funded
|
€146,160,559 20.86 % |
|
In Default
|
€125,064,486 17.85 % |
|
Fully Recovered
|
€27,238,830 3.89 % |
|
Late
|
€16,057,594 2.29 % |
|
Partially recovered outstanding amount
|
€5,823,795 0.83 % |
|
Partially recovered repaid amount
|
€985,168 0.14 % |
|
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
|
€299,976,080 41.79% |
Lithuania
|
€131,647,968 18.34% |
Germany
|
€103,807,532 14.46% |
Latvia
|
€92,897,289 12.94% |
Finland
|
€79,909,604 11.13% |
Spain
|
€4,164,200 0.58% |
Portugal
|
€3,736,770 0.52% |
Sweden
|
€1,750,000 0.24% |
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 |
€39,059,065
671
Loans
|
€35,965,993
632
Loans
|
€1,054,806
16
Loans
|
€200,447
4
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€872,199
53
Loans
|
€965,621
19
Loans
|
9.41%
|
| 2022 |
€183,004,568
1,769
Loans
|
€87,373,951
1,028
Loans
|
€9,924,514
93
Loans
|
€42,392,090
243
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€567,800
4
Loans
|
€8,910,612
264
Loans
|
€33,835,601
400
Loans
|
8.77%
|
| 2021 |
€202,797,652
1,072
Loans
|
€22,792,586
149
Loans
|
€4,821,697
39
Loans
|
€72,817,009
171
Loans
|
€3,036,990
5
Loans
|
€0
0
Loan
|
€1,874,900
5
Loans
|
€7,041,927
100
Loans
|
€90,313,743
702
Loans
|
9.99%
|
| 2020 |
€120,305,673
824
Loans
|
€40,529
1
Loan
|
€256,578
3
Loans
|
€8,789,455
23
Loans
|
€1,695,005
2
Loans
|
€0
0
Loan
|
€8,656,500
41
Loans
|
€487,905
9
Loans
|
€100,379,701
752
Loans
|
10.96%
|
| 2019 |
€80,370,394
583
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€735,986
7
Loans
|
€899,769
9
Loans
|
€0
0
Loan
|
€6,419,616
44
Loans
|
€723,451
9
Loans
|
€71,591,573
525
Loans
|
10.98%
|
| 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
|
€301,447,367 41.99% |
|
Bridge loan
|
€280,330,040 39.05% |
|
Business loan
|
€136,112,036 18.96% |
Collateral types
Each Estateguru investment opportunity is backed by real estate. We are currently holding €531,435,121 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
|
€396,984,768 55.30% |
|
Land and buildings under construction
|
€172,342,502 24.01% |
|
Commercial
|
€148,562,173 20.69% |