Real estate investing through crowdfunding.

Stock.estate is the crowd-lending platform specialized in identifying, vetting and financing real estate opportunities. Our mission is to democratize real estate investing by making top-tier opportunities accessible to everyone, regardless of their financial background. We are authorized by ASF (Romania) and registered in the ESMA (EU) and CONSOB (Italy) register.

Our platform features meticulously curated, high-return projects, providing a diverse portfolio to minimize risk and maximize potential earnings. We ensure transparency with real-time updates and uphold the highest security standards to protect our investors.

Our strength lies in our high-quality investment verification, commitment to transparency. With Stock.estate, real estate investing is simple, secure, and profitable.

At Stock.estate, we pride ourselves with our meticulous property verification process. Our aim is to provide the finest real estate investment opportunities to our community, and to achieve this, every potential property must pass through an extensive set of criteria and filters. We generate a comprehensive analysis for each property, focusing on several key factors:

1. Liquidity Index: We assess the ease with which a property can be sold, should it become necessary or profitable to do so.
2. Vacancy Index: We evaluate the ease of finding a tenant for the property.
3. Price Growth Expectation: We estimate the potential price growth for a property of its kind in its specific location.
4. Company's Solidity: We examine the financial stability and structure of the company involved in the project.
5. Business Plan: We scrutinize the operation's business plan to determine its feasibility and potential for success.
6. Track Record: We look into the developer's past completed operations to gauge their experience and competence.
7. Market Potential: We assess the property's market potential given current and forecasted real estate trends.
8. Team Expertise: We consider the expertise and cohesion of the team responsible for the project.

The money invested will be returned to each investor's digital wallet, along with a 2% cashback bonus from stock.estate. This bonus is a gesture of gratitude for supporting the campaign and for having their funds tied up in the project during the fundraising period.

Yes, STOCKESTATE CROWDFUNDING S.R.L. is licensed by the Romanian Financial Supervisory Authority (ASF), under the number PJR28FSFPR/400002, since 29.08.2023, as per the register of crowdfunding service providers of the European Securities and Market Authority (ESMA) and the Register of the Italian Authority CONSOB.

Every real estate operation inherently carries some level of risk, which can vary. No operation can be considered 100% safe.

At Stock.estate, we prioritize the security of the investments of our users. Therefore, we prefer to propose operations that entail reduced risk, even if the prospects of gain might be slightly less. Our team carefully verify each operation, constantly monitoring it throughout its duration.

As a result, the likelihood of losing the entire capital is low, especially considering that we diversify with properties located in attractive areas and only after carefully evaluating the most current market trends. Moreover, most projects are backed by real estate guarantees.

Stock.estate performs an in-depth economic, fiscal, and accounting analysis of the companies that propose a project to our investors. In the documents section of each project, you will find a Key Investment Information Sheet, specifically created to ensure total transparency.

Regarding the operational part, the transfer of funds is carried out through the payment institution MangoPay - an authorized Electronic Money Institution (EMI). The capital is deposited in a digital wallet that is not accessible to the project's proposing company until the fundraising is complete.

Additionally, every real estate developer has the option to provide loan insurance or offer a guarantee to investors. This will be present in the documents section and in the contracts that will be digitally generated by the platform. Usually, guarantees are mortgages, bank guarantee letters or pladges of shares.

There is no one-size-fits-all answer. It all depends on how much you can invest - typically, the more you invest, the higher your earnings will be. In percentage terms, a project in real estate lending crowdfunding can earn you an average annual return between 10% and 20% in Eur.

On the stock.estate platform, there are two primary scenarios that may unfold if a developer defaults on their loan:

Unguaranteed Project:

• If the project lacks a guarantee, investors must pursue legal action against the developer to recover their investment.
• The lending contract serves as the foundation for this claim, requiring investors to provide evidence to the court. This evidence may include the loan agreement, communications with the developer, and any relevant information.

Guaranteed Project:

• The specific terms of these guarantees are detailed in the loan documents and contracts generated by the platform. Common forms of guarantees include mortgages, bank guarantee letters, or pledges of shares.
• In guaranteed projects, there is a third party called a collateral agent who is responsible for managing the guarantees. The collateral agent is vested with the power to enforce the guarantees on behalf of the investors, which can involve taking possession of the developer's assets, pursuing legal action, or taking other necessary steps to recover the outstanding loan amount.

Don't worry! What's important is that the payment order is made before the campaign closes. Even if your bank transfer takes an additional 24-48 hours to process, your investment will still be valid.