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.
€749,146,123
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
|
€411,035,430 56.89 % |
|
In Default
|
€132,860,853 18.39 % |
|
Funded
|
€128,453,235 17.78 % |
|
Fully Recovered
|
€32,952,711 4.56 % |
|
Late
|
€11,871,699 1.64 % |
|
Partially recovered outstanding amount
|
€4,358,691 0.60 % |
|
Partially recovered repaid amount
|
€980,272 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
|
€317,912,508 42.44% |
Lithuania
|
€136,977,704 18.28% |
Germany
|
€103,807,532 13.86% |
Latvia
|
€97,218,327 12.98% |
Finland
|
€83,266,704 11.11% |
Spain
|
€4,164,200 0.56% |
Portugal
|
€4,049,148 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 |
€70,315,745
1,055
Loans
|
€57,115,253
920
Loans
|
€2,168,966
31
Loans
|
€1,364,226
23
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€0
0
Loan
|
€3,696,697
203
Loans
|
€5,970,603
81
Loans
|
10.07%
|
| 2022 |
€183,004,568
1,769
Loans
|
€56,806,077
756
Loans
|
€4,823,780
39
Loans
|
€46,546,153
295
Loans
|
€302,303
1
Loan
|
€0
0
Loan
|
€3,266,713
22
Loans
|
€16,516,871
299
Loans
|
€54,742,671
656
Loans
|
9.02%
|
| 2021 |
€202,797,652
1,072
Loans
|
€14,531,905
95
Loans
|
€4,878,953
13
Loans
|
€75,547,449
202
Loans
|
€2,989,990
4
Loans
|
€0
0
Loan
|
€2,414,885
12
Loans
|
€6,503,558
75
Loans
|
€95,832,111
748
Loans
|
9.94%
|
| 2020 |
€120,305,673
824
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€8,537,538
24
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€10,861,483
45
Loans
|
€334,934
5
Loans
|
€100,571,718
754
Loans
|
10.86%
|
| 2019 |
€80,370,394
583
Loans
|
€0
0
Loan
|
€0
0
Loan
|
€735,986
7
Loans
|
€874,368
8
Loans
|
€0
0
Loan
|
€6,689,616
45
Loans
|
€478,852
8
Loans
|
€71,591,573
525
Loans
|
10.96%
|
| 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
|
€314,713,644 42.01% |
|
Bridge loan
|
€294,054,591 39.25% |
|
Business loan
|
€140,377,888 18.74% |
Collateral types
Each Estateguru investment opportunity is backed by real estate. We are currently holding €556,797,908 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
|
€413,073,187 55.14% |
|
Land and buildings under construction
|
€184,707,692 24.66% |
|
Commercial
|
€151,365,244 20.21% |